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.
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.
Cards issued by State Bank of India offer several benefits:
SBI offers an attractive balance transfer feature that allows you to transfer the outstanding amount on your other cards to your SBI card at lower interest rates. Customers can make use of this feature to avoid paying for interest on multiple cards.
SBI credit cards come with a feature called Easy Bill Pay. This lets customers pay their utility bills like water, electricity, wifi and phone and other crucial recurring bills such insurance premiums automatically when they are due each month. This cuts out the hassle of having to make repeated bill payments each month.
SBI’s cards are all protected by CCP’s comprehensive insurance plan. Under this plan, you are protected in case of loss of your card, theft or fraud. The insurance plan covers several facilities like emergency travel, replacement of lost cards and much more.
SBI has a state of the art mobile app focused just on its cards that allows you to pay their bills, and check your outstanding balance from anywhere in a hassle-free manner. You can also access your account on the web instead of using the app.
SBI credit cards come with the SBI Encash functionality which helps you to turn your credit limit into hard cash. In case you need funds during an emergency, the SBI credit card can be used to transfer your credit limit to your savings account within 2 days. You can repay this amount in monthly instalments over 12, 24 or 36 months.
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
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.
The SBI Credit Card rewards programme is specially designed to help you earn reward points against your every purchase. You can earn SBI credit card reward points and redeem them on dining, movies, departmental stores, fuel, flight tickets, shopping, utility bill payments, and grocery spends. g
Apart from the general rewards, you also get access to accelerated rewards on your purchases. The bank also gives you access to exclusive SBI Credit Card offers from time to time to help you save more on your purchases. Some of the best SBI credit card rewards are:
1. SimplySAVE SBI Card: With an annual fee of ₹499 and renewal fee of ₹499, this card has features like:
10 reward points on online purchases done via partner stores including Amazon, BookMyShow, Cleartrip, FoodPanda, Lenskart, and UrbanClap.
1 reward point on spending ₹100 for other purposes.
2. BPCL SBI Card: This SBI credit card provides 2,000 points worth ₹500 after the joining fee is paid. Other rewards are:
5x points for a minimum spend of ₹100 in grocery and department store
13x points for using the card in BPCL petrol pumps
5x points for a minimum spend of ₹100 for dining and movies
1 point for every use of ₹100, in case of non-fuel purchases
3. SBI Card PRIME: Priced a bit higher at ₹2,999, the SBI Card PRIME is loaded with rewards such as:
20 points for ₹100 spending on birthday and utility shopping
10 points for ₹100 spending on movies, department stores, dining, and grocery
15 points for a minimum spend of ₹100 while using BigBasket
2 points for other purchases of ₹100
3. Yatra SBI Card: This special SBI credit card is quite special as it offers vouchers worth ₹8,250 once a user makes the joining payment. Other rewards associated with this card are:
6 points for spending a minimum of ₹100 on international purchases
6 points for ₹100 spend on movies, dining, and grocery
1 point for spending a minimum of ₹100 on other types of purchases
1 point of every ₹0.25 spent.
4. SBI Card ELITE: The ELITE card has a high first-year fee of ₹4,999. However, on paying the joining fee, the card comes with rewards such as free 1-year SonyLIV membership and e-vouchers worth ₹5,000 from various popular brands. A few other rewards are:
5 points for spending ₹100 or more on groceries, utilities, and dining
2 points for spending ₹100 or more on international purchases
2 points for a minimum spend of ₹100 for other purposes
You can use the SBI Credit Cards for making a vast range of expenses- from grocery shopping, and dining to spending on fuel and paying utility bills. Subsequently, knowing its features and benefits will help you get the maximum benefits. Some features and benefits of SBI Credit Cards are:
With your IRCTC RuPay Credit 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 Credit Card.
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.
The SBI Card ELITE and SBI Card PRIME allow you to enjoy complimentary Trident Privilege Red Tier Membership. Red Tier is the base tier of this programme and rewards you with 10 points for every spend of ₹100 at any participating Trident hotel.
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.
State Bank of India offers all-around protection in card loss, fraud, or theft. Get an SBI Credit Card and insure against all kinds of uncertain events.
There are different SBI Credit Cards, some of which offer complimentary domestic and international lounge access every calendar year.
You can transfer your outstanding amounts from other credit cards to your SBI Card at a reduced interest rate. With the exclusive balance transfer feature, you can get the opportunity to save more money with lower interest rates.
What’s more? The Flexipay option allows you to repay via easy EMIs in tenures ranging from 3, 6, 9, 12, and 24 months.
The SBI Encash option gives you quick access to funds over and above your credit limit. You can receive the fund in your account within 48 hours and repay in tenure ranging from 12 and 48 months. You can even use your new SBI Credit Card to withdraw money from any ATM in India.
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.
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.
State Bank of India offers the facility to upgrade your SBI Card to get maximum rewards and benefits. You can also apply for a free add-on SBI Credit Card and enjoy a shared credit card limit with the primary card.
Nearly all SBI Credit Cards offer these features and benefits. You can compare SBI Credit Cards by analysing their features and benefits and selecting a suitable one.
In addition to the features and benefits, some of the latest offers added to the SBI credit cards are:
5% cash back at ASUS (valid till 31 October 2022)
7.5% cash back at V-Bazar (valid till 27 October 2022)
Up to 10% cash back on certain Dyson products (valid till 30 September 2022)
10% discount on select products on Amazon.in for their Great Indian Festival (valid till 25 September 2022)
SBI has made it extremely easy for you to track the status of your credit card application. You can simply use the SBI website to accomplish this online. Follow these steps:
Visit the SBI cards website at www.sbicard.com
Click on ‘credit cards’
Select ‘Track application’
If you have your application number, enter it and click on ‘track’
You can also use your date of birth instead
If not, go to ‘retrieve application’
You can also track the status of your SBI credit card applications by calling the bank's toll-free customer care numbers:
1800 11 2211 (toll-free)
1800 425 3800 (toll-free)
080 2659 9990
Or, you may visit your nearest SBI branch and contact a bank executive for these details.
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 email@example.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.
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 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.