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SBI Credit Card

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.

Top SBI Credit Card on Bajaj Markets

  • Joining Fees
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST
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BPCL SBI Card

  • Benefits
    The BPCL SBI Card is launched in collaboration with Bharat Petroleum. It lets you save huge on your fuel spends. Additionally, it offers welcome gift vouchers, premium security, contactless advantage and much more.
  • Annual Fee
    ₹499 + GST
  • Renewal Fee
    ₹499 + GST
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SimplySAVE SBI Card

  • Benefits
    The SimplySAVE SBI Card is designed to help you save big time on your everyday expenditure. Hence it offers rewards points and discounts at most of your transactions. The SimplySAVE SBI Card comes with reward points on movies, dining, and even grocery shopping. It is accepted worldwide so you can plan your travel without any worries.
  • Annual Fee
    ₹500 + GST
  • Renewal Fee
    ₹300 + GST
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IRCTC RuPay Card

  • Benefits
    The IRCTC RuPay Card is specially designed to let you save on your railway ticket bookings. Launched in collaboration with IRCTC, the Credit Card offers amazing discounts and reward points to make your travel worry-free. The IRCTC SBI Card brings you great offers on travel, golf, dining and other entertainment options from RuPay.
  • Annual Fees
    ₹4999 + GST
  • Renewal Fees
    ₹4999 + GST
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SBI Card ELITE

  • Benefits
    The SBI Card ELITE, as the name suggest, is the crème de la crème of Credit Cards. It is a top-notch Credit Card that brings you the best of everything including e-gift vouchers, ELITE Rewards, International Lounge access, complimentary Club Vistara membership, Domestic airport lounge access, premium security and much more.
  • Annual Fees
    ₹500 + GST
  • Renewal Fees
    ₹500 + GST
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SimplyCLICK SBI Credit Card

  • Benefits
    The SimplyCLICK SBI Credit Card offers amazing discounts on your daily purchases and comes pre-equipped with amazon vouchers, gets you fuel surcharge waivers, cash on the go, premium security and much more.
  • Annual Fees
    ₹2999 + GST
  • Renewal Fees
    ₹2999 + GST
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SBI Card PRIME

  • Benefits
    The SBI Card PRIME is one of the most premium Credit Card that you can own in India. It brings you a host of rewards points and discounts that make it live up to its name. The SBI Card PRIME comes with exclusive PRIME benefits, milestone benefits, complimentary Club Vistara membership, airport lounge access, premium security and much more.
  • Annual Fees
    ₹499 + GST
  • Renewal Fees
    ₹499 + GST
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Lifestyle Home Centre SBI Card

  • Benefits
    The Lifestyle Home Centre SBI Card is one of the best shopping credit cards which is launched in association with Landmark Stores. This card is specially designed for people who love shopping, especially at Lifestyle, Spar, Home Centre and Max stores or online portals. The card offers huge discounts and rewards on these stores which can be redeemed for Landmark Rewards and Landmark Points. With the accumulated Landmark Rewards or Points, you can buy various products from the Landmark Stores.
  • Annual Fees
    ₹1499 + GST
  • Renewal Fees
    ₹1499 + GST
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Max SBI Card SELECT

  • Benefits
    The Max SBI Card Select is specially designed for the shopaholics who love shopping at Landmark Stores including Max Fashion. The card is a co-partnered shopping credit card with the SBI and Max, offering a wide range of rewards and benefits across varied categories such as bonus reward points, milestone rewards, welcome gifts and a lot more.
  • 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.
  • 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.
  • Annual Fees
    ₹1499 + GST
  • Renewal Fees
    ₹1499 + GST
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SBI BPCL Octane Credit Card

  • Benefits
    The BPCL SBI Card OCTANE is a premium fuel credit card by SBI which is launched in collaboration with the Bharat Petroleum Corporation Limited. The card comes with an exclusive range of features and benefits across different categories which include fuel, shopping, travel, reward points, and milestone benefits. With this SBI credit card, you can get a value back of 7.25% on fuel transaction made at select Bharat Petroleum Gas stations. This, besides, the card gives 10x accelerated rewards on multiple categories such as groceries, dining, movies, and a lot more.

How to Apply for 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.

How to Apply for SBI Credit Card?

SBI Credit Card

Benefits of SBI cards

Cards issued by State Bank of India offer several benefits:

1. Interest savings

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.

2. Auto bill payment

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.

3. Enjoy card insurance benefits

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.

4. Ease of account access

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.

5. Cash facility

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.

Eligibility and Documents Required for SBI Credit Cards

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

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.

SBI Credit Card Rewards Programme

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

Features and Benefits of SBI Credit Card

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:

1. Travel Offers From IRCTC

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.

2. 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.

3. Trident Privilege Membership

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.

4. 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.

5. Insurance

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.

6. Airport Lounge Access

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

7. Save on Interest

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.

8. Immediate Funds

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.

9. 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.

 10. 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.

11. Additional Benefits

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)

How to Track Your Application Status

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:

 

  1. Visit the SBI cards website at www.sbicard.com

  2. Click on ‘credit cards’

  3. Select ‘Track application’

  4. If you have your application number, enter it and click on ‘track’

  5. You can also use your date of birth instead

  6. 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.

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.

FAQs on SBI Credit Cards

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

    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.

  • ✔️How many days does it take to get an SBI Credit Card?

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

  • ✔️Is SBI Credit Card free?

     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.

  • ✔️Is there any app for SBI Credit Cards?

    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.

  • ✔️Can I withdraw money through 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.

  • ✔️ What is the SBI Credit Card limit?

    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.

  • ✔️What is the minimum salary required for an SBI Credit Card?

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

  • ✔️ What is the interest rate of an SBI credit card?

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

SBI Credit Card Reviews

Sbi Credit Card Reviews

4out of 5

15 reviews

Good service!

SBI credit card has offers and reward points, but I have yet to redeem them; this is a domestic card with a credit limit of $50,000, which is more than enough for my needs. My statement arrived on schedule. This card was used for personal reasons. The card is really easy to use.

Awesome!

I've had my SBI credit card for over three months, and it comes with certain reward points and offers. This card was used for online shopping, gas surcharges, and grocery purchases. The credit limit on the card is adequate, and what I enjoy best about it is that it is a lifetime free card that is quite convenient to use.

Worth it!

I've had my SBI credit card for approximately two months, but I haven't had the opportunity to review the card's offerings. The card's limit is 38000 points, and I'm happy with that because it's a free card for life. My card statement was always delivered on schedule, and my online banking was also quite reliable.

Good enough!

For the past 3-4 years, I've been using the SBI credit card. It's a really convenient card, and it has the potential to improve my credit score. The credit limit is Rs.37,000, which is insufficient; nevertheless, this card offers extra benefits if I shop online through Flipkart. This is a charged card with a total cost of Rs.499 plus GST. I use the internet to pay my credit card bills.

Blown away!

SBI processed everything in a fairly basic manner, and then an executive arrived and completed the process. I'm not thrilled with my credit limit, which is very low, and I need to boost it. Annual fees are Rs. 499, and if I spend Rs. 20k in 2 months, I will receive 500 rs in reward points. Those points may be converted into cash back, which I use to pay my bills, and if I spend RS. 1L in a year, it's a free card from the second year onward.

Great!

I received my SBI credit card after only one month. But it was convenient because I used to get a lot of offers by text message. I used this card for shopping, gas, tickets, and a variety of other things. The bank agent arrived and took the documents; the card's limit is Rs.54000. This is a reloadable card with a yearly fee of 500 rupees.

No issues!

SBI provided a 499 plus GST annual fee chargeable card, but there was a waiver option if I spent 1L within a year, so I applied online and received it within a week. The credit limit is a meagre 57K. Online shopping has a lot of amazing deals and benefits. I'm not familiar with EMI conversion. I only need to contact customer service for any reason.

Happy!

I've had a State Bank of India account for three years and have opted to get a credit card from the same bank. The card's credit limit is sufficient for me. It would be wonderful if the bank provided the statement on time, and I used to pay my credit card bill online.

Not bad!

I only got the card a month ago, have done a few transactions, and have yet to receive my bill payment. The credit card is fine, but the credit limit of 37000 rupees is insufficient for me. Aside from that, everything else is fine.

Nice!

The SBI credit card has a credit limit of 75,000 rupees, and it is a chargeable card that costs Rs.500 each year plus 87 rupees in GST. The card has 500 Amazon reward points that can only be redeemed if I spend Rs.5000 on the card.

Big Savings on Fuel

With sky-rocketing fuel prices, I needed a Credit Card that could help me save on this ever increasing expense of mine. The INDIANOIL AXIS BANK Credit Card was just what I needed. Helped me save big-time.

All-rounder Card

Choosing the MY ZONE Card was a very good decision as I got many vouchers with it! Plus the online process of applying for this Credit Card on Finserv MARKETS was very smooth. Highly recommended if you are looking for an all-in-one card.

Best Card for Savings on Fuel

I have been using the INDIANOIL AXIS BANK Credit Card for quite some time now and I must say this is your go-to card if you are looking to save on your fuel expenses. I was also extremely satisfied with Finserv MARKETS portal as my application got approved in just a few clicks.

Great Offers!

I have the NEO Credit Card and it has proved to be a complete all-rounder for me! I got discounts on shopping, movie tickets, and it was extremely easy to convert my spends into smaller EMIs. Applying on Finserv MARKETS was very simple. I am totally satisfied with this card.

Quick & Easy Process

I have taken MY ZONE Credit Card from Finserv MARKETS. I have just started using it and the best part is that I got an approval real quick and the application was very easy to fill.