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 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.
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 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.
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 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.