In India, when people look to start an official finance account for themselves, they consider SBI Bank once. This is because SBI Bank is a major financial institution in India and has many financial tools to cater to everyone’s needs. When it comes to credit cards, SBI Bank has issued more than 70 credit cards with different variants in the market. Not just a pool of options to opt from but with many different features and privileges to choose from.
In the case of a professional person with a great deal of knowledge about credit cards, you will always see them making their choices on credit cards proactively. However, this is not the case for beginners. Beginners are not usually sure as to what card will be the best one for them. Here the best option is to take different cards you show interest in and start comparing them.
The most important part of the whole getting a credit card process is that you are taking your time getting to know your card. The benefits it has, all pros and cons, and under what conditions, etc. This major psychological view here is all the needs and wants a person has, are they getting fulfilled by the benefits or not.
Here is a list of credit cards by the SBI which are the best fit for beginners –
1 .Cashback Credit Card –
SBI Bank Cashback Credit Card is one of the best-suited credit cards for beginners. This credit card is entirely based on cashback so all the amount you have accumulated with all of your expenses, gets managed in your next month’s bill. This credit card is super easy to use and you will be able to see all the cashback points and everything managed cleanly in your bill. This card is best for the Shopping and you can earn up to 5% cash back on all your online and offline expenses.
2.SimplyCLICK Credit Card –
SBI Bank SimplyCLICK Credit Card is an entry-level credit card best opted for when you like to shop a lot. With this credit card, you will get 1 reward point on every Rs. 100 spent on your offline spends.
You will get an Amazon gift voucher worth Rs. 500 as your welcome gift and milestone benefits which includes a voucher from ClearTrip worth Rs. 2,000 with the terms and conditions. Fuel surcharge waiver and Zero Liability protections are add-on benefits.
3.BPCL Credit Card –
SBI Bank BPCL Credit Card is very useful too if you travel a lot on your vehicle. This is an entry-level fuel credit card. Here, you get 2,000 activation bonus reward points worth Rs. 500 which covers your joining cost.
You will get 1 reward point on every Rs. 100 spent and 5 RPs on dining, movies, departmental stores, and groceries. The best part is you will be able to earn 13X RPs at all the BPCL outlets on all your fuel expenses. A fuel surcharge waiver is another benefit of this credit card.
4.Paytm Credit Card –
SBI Bank Paytm Credit Card is another co-branded credit card that is very well suited for people using Paytm. This credit card will give you 3% cashback on every Rs. 100 spent on all the Paytm Malls, movies, and travel.
You can also earn 2% cashback on every Rs. 100 spent through Paytm with the card along with 1% cashback on every Rs. 100 spent for online/offline purchases. Fuel surcharge waivers and Zero Liability Protection coverage are one of the add-on benefits.
Choosing the credit card which is the best suited for you is a tough task as a beginner. It is best to compare the cards which you have selected and choose the one which will be the most beneficial for you. The best credit cards from SBI bank for beginners or entry-level are all mentioned above. The best advice at this point is to go through the credit cards and their terms and condition of usage thoroughly.