✔️ Which SBI Credit Card is good for a first-time credit card user?

The Paytm SBI credit card limit can range anywhere from ₹10,000 - ₹10 lakh depending on the applicant’s annual income.

SBI Card - Benefits, Eligibility, Documents of SBI Credit Card

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The State Bank of India (SBI) credit cards are specifically designed to cater to all your financial needs. With features such as attractive rewards, exciting cashbacks across various categories such as travel, grocery shopping, fuel spending, and advanced security measures, SBI credit cards can help you save more. When it comes to discussing the SBI credit card details, it is also necessary to understand the fees associated with this card.

The joining or annual fees can vary depending on the type of card you opt for. However, the finance charge is 3.5% for all unsecured credit cards. You will also be charged ₹100 to ₹250 in case you want to replace your card. Furthermore, the late payment fees can vary depending on your outstanding amount. Apply for an SBI credit card to get attractive rewards and benefits to make the most of your transactions.

SBI Credit Card on Bajaj Markets

BPCL SBI Card

Joining Fees

₹499 + GST
Renewal Fee

₹499 + GST

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BPCL SBI Card

Short-term Benefits

For a limited period, you will get an Amazon voucher worth ₹250 if you apply for this credit card online. Moreover, after paying the joining fee, you will receive 2,000 Activation Bonus Reward Points worth ₹500. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

This SBI credit card offers 4.25% Valueback in the form of 13X Reward Points at BPCL petrol stations anywhere in India. It extends 5X Reward Points on every ₹100 you spend at departmental stores and movies, or for groceries and dining expenses. On all other non-fuel purchases, you can earn 1 Reward Point for every ₹100 you spend.

SimplySAVE SBI Card

Annual Fee

₹499 + GST
Renewal Fee

₹499 + GST

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SimplySAVE SBI Card

Short-term Benefits

You can earn 2,000 Reward Points by spending ₹2,000 or more in the first 60 days. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

You can avail of interest-free cash withdrawals for up to 50 days. You can earn 10X Reward Points for every ₹150 you spend on departmental stores, movies, dining, and groceries. On all other purchases, you can earn 1 Reward Point for every ₹150 you spend. You also get to enjoy a 1% fuel surcharge waiver on fuel purchases worth ₹500 to ₹3,000 across all the petrol stations in the country. Your annual membership fee will be reversed if you’ve spent ₹1 Lakh or more using the SimplySAVE SBI Card during the previous year.

IRCTC RuPay Card

Annual Fee

₹500 + GST
Renewal Fee

₹300 + GST

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IRCTC RuPay Card

Short-term Benefits

If you make a single transaction worth ₹500 or more within 45 days of card issuance, you will receive 350 activation bonus Reward Points. Moreover, after paying the first annual fee, you will receive Yatra.com vouchers worth ₹8,250 as a welcome gift. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility. If you withdraw cash within 30 days of receiving this credit card, you will get a cash back of ₹100.
Long-term Benefits

The IRCTC RuPay SBI Card offers 1 Reward Point for every ₹125 you spend on all non-fuel purchases. You also get to enjoy a 1% fuel surcharge waiver on fuel purchases worth ₹500 to ₹3,000 across all the petrol stations in the country. Additionally, you can save transaction charges of 1% on railway ticket bookings on IRCTC’s official website.

SBI Card ELITE

Annual Fees

₹4999 + GST
Renewal Fees

₹4999 + GST

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SBI Card ELITE

Short-term Benefits

With the SBI Card ELITE, you get a welcome e-gift voucher worth ₹5,000 upon joining. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

The credit card offers 5X Reward Points on departmental stores, movies, groceries and dining expenses. On all other non-fuel purchases, you can earn 2 Reward Points for every ₹100 you spend. Your renewal fee will be waived if you spend ₹10 Lakhs or more during the previous year.

SimplyCLICK SBI Card

Annual Fees

₹500 + GST
Renewal Fees

₹500 + GST

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SimplyCLICK SBI Card

Short-term Benefits

You can get an Amazon.in gift card worth ₹500 by paying the one-time annual fee of ₹499 + taxes. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

Earn 10X Reward Points by spending on exclusive partner platforms like BookMyShow and Cleartrip. You can earn 5X Reward Points on all other online spends and 1 Reward Point for every ₹100 spent. Your renewal fee will be reversed if you spend ₹1 Lakh or more during the previous year.

SBI Card PRIME

Annual Fees

₹2999 + GST
Renewal Fees

₹2999 + GST

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SBI Card PRIME

Short-term Benefits

With the SBI Card PRIME, you get a welcome e-gift voucher worth ₹3,000 upon joining. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

The credit card offers 10X Reward Points on every ₹100 you spend at departmental stores and movies, or for groceries and dining expenses. On all other non-fuel retail purchases, you can earn 2 Reward Points for every ₹100 you spend. These perks make it one of the best SBI credit cards on offer. Your renewal fee will be waived if you spend ₹3 Lakhs or more during the previous year.

Lifestyle Home Centre SBI Card

Annual Fees

₹499 + GST
Renewal Fees

₹499 + GST

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Lifestyle Home Centre SBI Card

Short-term Benefits

You can get 2,000 bonus Reward Points corresponding to ₹500 on paying the one-time annual fee. Additionally, you earn 2,000 Reward Points worth ₹500 on paying the renewal fees. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

Earn 5X Reward Points on every ₹100 you spend at online and retail landmark stores, dining, and movies. On all other retail purchases, you can earn 1 Reward Point for every ₹100 spent. You can also earn 8,000 bonus Reward Points with an overall annual retail expenditure of ₹2 Lakhs.

Max SBI Card SELECT

Annual Fees

₹1499 + GST
Renewal Fees

₹1499 + GST

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Max SBI Card SELECT

Short-term Benefits

You can get 6,000 bonus Reward Points corresponding to ₹1,500 on paying the one-time annual fee. Additionally, you earn 6,000 Reward Points worth ₹1,500 on paying the renewal fees. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

Earn 10X Reward Points on every ₹100 you spend at online and retail landmark stores, dining, and movies. On all other non-fuel retail purchases, you can earn 2 Reward Points for every ₹100 spent. You can also earn 12,000 bonus Reward Points with an overall annual retail expenditure of ₹3 Lakhs.

Central SBI Select Credit Card

Annual Fees

₹750 + GST
Renewal Fees

₹750 + GST

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Central SBI Select Credit Card

Benefits

Are you a shopaholic and love being a fashionista or someone who loves to keep their wardrobe updated with the latest in fashion? Yes, then gear up, as being fashionable is now more exciting and rewarding! Yes, you read that right! Bringing to you Central SBI Select Card which is thoughtfully designed to give you maximum rewards and benefits with a host of lifestyle features. The Central SBI Select Card can be used for daily as well as luxury purchases making it a great choice for frequent shoppers.

SBI FBB StyleUP Credit Card

Annual Fees

₹499 + GST
Renewal Fees

₹499 + GST

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SBI FBB StyleUP Credit Card

Benefits

Launched in association with Fbb, a retail fashion store of Future Group, the SBI FBB StyleUP Credit Card is one of the best credit cards for shopaholics. The card is thoughtfully curated for frequent shoppers, particularly those who prefer shopping at Big Bazaar and its partner stores. This co-branded credit card promises to make your shopping experience enjoyable by offering great discounts and accelerated reward points on every spend.

BPCL SBI Card OCTANE

Annual Fees

₹1499 + GST
Renewal Fees

₹1499 + GST

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BPCL SBI Card OCTANE

Short-term Benefits

You can get 6,000 bonus Reward Points corresponding to ₹1,500 on paying the one-time annual fee. You can also convert transactions of ₹2,500 or more into EMIs within 30 days of purchase through the Flexipay facility.
Long-term Benefits

Earn 10X Reward Points on every ₹100 you spend at departmental stores, groceries, dining, and movies. On all other non-mobile wallet upload and non-BPCL fuel spends, you can earn 1 Reward Point for every ₹100 spent. Additionally, you get gift vouchers worth ₹2,000 from different brands like Yatra and Aditya Birla Fashion if your annual spend exceeds ₹3 Lakhs.

Features and Benefits of SBI Credit Cards

Travel Offers From IRCTC

With your IRCTC RuPay SBI Card, you can save 1% on transaction charges on railway ticket bookings on www.irctc.co.in. In addition, you can earn up to 10% value back as reward points for ticket bookings through www.irctc.co.in and IRCTC mobile app. Avail of exclusive travel privileges by obtaining an IRCTC RuPay SBI Card.

Reward and Value Benefits

You can earn Reward Points (RP) every time you use the card to pay at grocery shops, departmental stores, movies, and dining with your SBI credit card. Moreover, you also get value back benefits on fuel purchases at BPCL petrol pumps.

Utility Bill Payment

With your SBI card, paying your utility bills has become easier. Now, with the help of advanced features like Auto Pay, Register & Pay, and Fast Pay, you can ensure timely bill payments.

Insurance

State Bank of India offers all-around protection against card loss, fraud, or theft. Get an SBI credit card and insure against all kinds of uncertain events.

Airport Lounge Access

There are different SBI credit cards, some of which offer complimentary domestic and international lounge access every calendar year.

Easy Access to Credit Card Information

If you are an SBI credit card holder, you can get details of products and services offered by SBI credit card anytime by logging in to sbicard.com. Additionally, you can get the details of your SBI credit card account on your registered mobile number via SMS using the missed call service.

Easy and Safe Payments

SBI offers a contactless payment option to make your shopping hassle-free. Avail a contactless SBI credit card today and enjoy the contactless chip technology which helps to save your time. In addition, the ‘SBI Card Pay’ allows you to make payments by using your Android smartphone and eliminates the need to carry cards.

Furthermore, you can make instant payments by scanning Bharat QR through SBI Card mobile app.

Eligibility and Documents Required for SBI Credit Cards

1. Eligibility Criteria for SBI Credit Cards

SBI credit cards are specially designed to cater to your specific needs. However, there are certain specific eligibility criteria you will have to fulfil depending on the credit card type you want. These are as follows:

Age: Between 21 to 65 years
Employment status: Salaried or self-employed individuals
Income: Must have a regular source of income
Credit Score: 750 and above
Minimum annual income: ₹3 Lakhs

2. Documents Required for SBI Credit Cards

Following is a list of documents that you must submit along with the duly filled SBI credit card application form:

Proof of Identity: Passport, driving licence, PAN card, Aadhaar card, Voter's ID card, Overseas Citizen of India card, Person of Indian Origin card, job card issued by NREGA, letters issued by the UIDAI, ration card, or any other government-approved photo ID proof.
Proof of Address: Driving licence, Aadhaar card, Voter's ID card, utility bill not older than 3 months, ration card, property registration document, job card issued by NREGA, and any other address proof approved by the Government.
Proof of Income (for self-employed applicants): Business financial statements, latest tax returns, balance sheet, audit-proof, Profit and loss (P&L) statement
Proof of Income (for salaried applicants): Salary certificate, latest salary slip, employment letter.

Once you have applied for the best SBI credit card, you can easily check your SBI credit card application status via online and offline mediums.

How to Apply for an SBI Credit Card

The online application process for SBI credit cards is simple and hassle-free. You can complete the application procedure via the Bajaj Markets website or the app. Follow the steps mentioned below to apply for an SBI credit card online.

Step 1: Visit the Bajaj Markets SBI credit card page
Step 2: Click on the ‘Apply Now’ option on the SBI credit card page
Step 3: Enter information such as mobile number, date of birth, and employment details
Step 4: Click on ‘Check your Offer’ to know your eligibility
Step 5: Depending on your spending habits and requirements, select the best SBI credit card and complete the SBI credit card online application process by submitting the necessary documents.

SBI Credit Card Customer Care Number

If you have any queries related to your SBI credit card, you can call the SBI credit card customer care number on 1860 500 1290, 1860 180 1290, 3902 0202 (prefix local STD code) or 1800 180 1290 (toll-free).

You can also send your queries by clicking on the ‘Email Us’ option on the ‘Get in Touch’ page on the SBI official website. Their email ID is customercare@sbicard.com.

Alternatively, you can visit the nearest SBI branch or send your query by post or SMS. You can even contact customer care to check SBI credit card application status, block your lost SBI credit card, and other purposes.

About Credit Cards Services

Credit Cards Partners at Bajaj Markets

Non Partners Credit Cards

FAQs on SBI Credit Cards

SBI SimplyCLICK and SBI SimplySAVE are considered good for first-time credit card users. Both these credit cards come with a minimal annual and renewal fee and offer various attractive benefits.

It may take up to 21 days to get an SBI Credit Card post successful submission of accurate documentation and application form.

All SBI Credit Cards (except some) come with an annual fee. This fee tends to vary from one credit card type to another. You can use it to manage and avail yourself of services on your SBI Credit Card easily.

Yes, the State Bank of India has a special app for credit cards known as the ‘SBI Card Mobile App’. It is available on iOS and Android both. It can be used to easily manage and avail services on your SBI Credit Card.

Yes, you can use the credit card cash withdrawal feature to withdraw money on your SBI card. However, you will be able to withdraw only 80% of the credit card limit and be required to pay a finance charge of up to 3.35% every month until the advance amount is cleared in full.

The SBI credit card limit is the maximum amount you can borrow on your SBI credit card. On the other hand, the available credit limit on your SBI credit card is the amount that is currently available for purchases. You can keep a check on your SBI credit card usage via SMS. Simply type AVAIL XXXX (last 4 digits of your SBI credit card) and send it to 5676791 from your registered mobile number.

The minimum salary required to be eligible for an SBI credit card is ₹3 lakhs per year.

The interest rate of SBI Credit Card is 3.5% per month and 42% per year.

You can easily track your SBI credit card application status after applying for the credit card. You must first visit the SBI Cards website at sbicard.com. Next, click ‘Credit Cards’ and select ‘Track Application’. On the Track Application page, enter your application or reference number and click ‘Track’. The status of your credit card application will be displayed on the screen.

Alternatively, you can dial the SBI credit card customer care number at 1800-11-2211 (toll-free), 1800-425-3800 (toll-free), or 080-2659-9990.

The SBI credit card rewards program has been specifically designed to help SBI credit cardholders earn reward points against their spends. Depending on the credit card type, you can earn reward points by spending on departmental stores, movies, dining, and groceries. You can also earn 2X to 25X reward points by spending ₹100 - ₹150, and redeem the reward points against cash or items from the Rewards Catalogue.

For example, with the SimplySAVE SBI Card, you can earn 10X reward points on online purchases via partner stores, including BookMyShow and Amazon.