By Ankur Mittal
Updated On September 10, 2021

State Bank of India (SBI) is the largest bank in India and 43rd largest bank globally. It is a multinational public sector bank with a 23% market share by assets and is also India’s fifth-largest employer with around 2.5 lakh employees (23% women representatives). The SBI is a descendant of three banks: the Bank of Calcutta (founded in 1806), the Bank of Madras (1843) & the Bank of Bombay (1840). The three banks were merged on January 27, 1921, and were named the Imperial Bank of India, which became the State Bank of India on July 1, 1955, under the control of the Government of India. The Indian government integrated 8 princely states’ banks into the subsidiaries of the SBI to expand the rural reach of the bank. The bank’s total revenue was US$28 billion (Rs. 2.005 trillion) in the financial year 2012-12. The bank currently has over 24 thousand branches in India and over 191 offices internationally, covering around 36 countries, including the USA, UK, Australia, Canada, South Korea, Nepal, Bangladesh, etc. The SBI Cards & Payment Services Limited company was launched in October 1998. It has more than 10 million credit card customers at present and is the second-largest card issuer in the country.

In total SBI Cards has 71 credit cards in its portfolio, of which the 10 most popular SBI credit cards are as mentioned below:

SBI AURUM Credit Card

Welcome Benefits

40,000 Reward Points and complimentary memberships of Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold and BBStar (6 months)

Rewards Rate

4 Reward Points per Rs. 100 spent (reward rate of 1%)

Best Suited For

Movies | Travel | Dining | Shopping |

Movie & Dining

Complimentary memberships of Zomato Pro and Eazydiner Prime and 4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)

Reward Redemption

Complimentary memberships of Zomato Pro and Eazydiner Prime and 4 movie tickets from BookMyShow every month (max cap of Rs. 250 per ticket)

Joining Fees

Rs. 10,000 (plus applicable taxes)

Product Details

  • 40,000 Reward Points as a Welcome Benefit (4 Reward Points = Re. 1).
  • Card renewal fee waived off on annual spends of Rs. 12,00,000.
  • You earn 4 Reward Points per Rs. 100 spent with the SBI AURUM Credit Card (Reward rate = 1%).
  • TataCliq Voucher worth Rs. 1,500 on monthly expenditure of Rs. 1 lakh.
  • Rs. 5,000 LUXE Voucher on annual expenditure of Rs. 5 lakh.
  • Rs. 10,000 Taj Voucher on annual expenditure of Rs. 10 lakh.
  • Complimentary Zomato Pro and Easy Diners memberships.
  • Complimentary membership of lifestyle subscription services including Amazon Prime, Discovery Plus, Lenskart Gold, BBStar (6 months).
  • Unlimited international airport lounge access and 4 domestic airport lounge access per quarter.
  • 1 domestic airport spa visit per quarter.
  • 4 BookMyShow movie tickets every month (max value of each ticket capped at Rs. 250).
  • 24×7 dedicated concierge service and secretarial access.
  • Foreign currency mark-up rate of 1.99% on foreign currency transactions greater than Rs. 1,000.

See additional details for SBI AURUM Credit Card

Welcome Benefits

Get a gift voucher worth Rs. 5,000 redeemable at Hush Puppies, Bata, Shoppers Stop, and Pantaloons.

Rewards Rate

Earn 2 reward points on Rs 100 on all spending, except fuel

Best Suited For

Movies | Travel | Shopping |

Movie & Dining

Movie tickets worth Rs 6,000 available for free every year subject to a maximum discount of Rs 250/- for 2 tickets per month.

Reward Redemption

Movie tickets worth Rs 6,000 available for free every year subject to a maximum discount of Rs 250/- for 2 tickets per month.

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

  • Gift Voucher worth Rs 5000 as Welcome Benefit
  • 2 reward points on every Rs 100 spent
  • Get up to 50000 reward points worth INR 12500/year as milestone benefits.
  • Earn 5x reward points for Dining, Grocery, and Departmental purchases.
  • Movie tickets worth Rs 6000 available for free every year
  • Complimentary membership of Trident Privilege Red Tier and Club Vistara Silver with 1 complimentary Upgrade Voucher
  • 2 complimentary domestic airport lounge visits per quarter.
  • 6 complimentary airport lounge visits allowed in a year subject to maximum 2 visits per quarter
  • Complimentary liability protection cover worth INR 1 lakh

See additional details for SBI ELITE Credit Card

Welcome Benefits

E-gift voucher worth Rs. 3,000

Rewards Rate

10 Reward Points on every Rs. 100 spent on Dining, Groceries, Departmental stores and Movies, 2 Reward Points on every Rs. 100 spent on all other retail spends except fuel.

Best Suited For

Travel | Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 2,999 (plus applicable taxes)

Product Details

  • Comes with a welcome bonus as an e-gift voucher worth Rs. 3000.
  • Get 10 reward points on every spend of Rs. 100 on dining, movies, groceries, and departmental stores with your SBI Prime Credit Card.
  • Get 20 reward points per Rs. 100 spent on utility bill payments’ standing instructions.
  • Joining Fee of Rs 3000/-
  • A pizza hut e-voucher worth Rs. 1000 on spending over Rs. 50,000 in a calendar quarter.
  • The renewal fee is waived off if you spend Rs. 3 lakhs or more in the previous year.
  • 4 complimentary international lounge access and 8 domestic lounge access per year.
  • Club Vistara silver membership.
  • 20 Reward points per Rs. 100 spent on your birthday.

See additional details for SBI Prime Credit Card

Welcome Benefits

You get an amazon e-voucher worth Rs 500/- as a welcome benefit

Rewards Rate

1 reward point on every Rs 200/- spent excluding fuel transaction; 10x on Reward Points on online spend on e-commerce websites like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and UrbanClap; 5x Reward Points on every other online spend excluding fuel transaction

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • E-voucher from ClearTrip worth Rs 2000 on annual spends of Rs 1,00,000 and Rs 2,00,000
  • Amazon e-voucher worth Rs 500/- as welcome benefit
  • 10x reward points on online spending at partner e-commerce websites
  • 5x reward points on all other online spendings except fuel
  • Annual Fee Rs 499 plus applicable taxes
  • Annual fee waiver of Rs 499/- on the annual spending of Rs 1,00,000
  • 1% on fuel transactions between Rs 500 and Rs 3000

See additional details for SBI SimplyCLICK Credit Card

SBI SimplySAVE Credit Card

Welcome Benefits

2000 Reward points

Rewards Rate

1 reward point on every spend of Rs. 100. 10 Reward Points for groceries, dining, movies, and departmental store purchases

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 499

Product Details

  • 1 reward point on every Rs. 100 purchase using your SBI SimplySAVE Credit Card.
  • 10 times more reward points on groceries, movies, dining, and departmental store purchases.
  • Welcome gift of 2000 Reward Points.
  • Annual fee waived off on spending over 1 lakh rupees in the previous year​​​​​​​.
  • 1% fuel surcharge waiver.

See additional details for SBI SimplySAVE Credit Card

Welcome Benefits

6,000 bonus reward points as a joining benefit, and every year the membership is renewed (provided the annual fee is paid).

Rewards Rate

25 reward points per Rs. 100 spent at BPCL fuel stations and on lubricants and Bharat Gas purchases (on BPCL website or app), 10 reward points per Rs. 100 spent on groceries, departmental stores and movie ticket purchases, and 1 reward point per Rs. 100 for all other expenditures except mobile wallet uploads and fuel purchases at non-BPCL stations.

Best Suited For

Fuel |

Movie & Dining

10x reward points on every Rs. 100 spent on dining and movie tickets.

Reward Redemption

10x reward points on every Rs. 100 spent on dining and movie tickets.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • 6000 Bonus reward points as a welcome benefit.
  • 25 reward points per Rs. 100 on fuel purchases at BPCL refill stations (maximum 2500 reward points per month) and on lubricants and Bharat gas spends (app and website only).
  • 10 reward points on every Rs. 100 spent on groceries, departmental stores and movie ticket purchases (maximum 7500 reward points per month).
  • 1 reward point for every Rs. 100 spent on all other retail purchases, except mobile wallet uploads and expenditures on non-BPCL fuel stations.
  • 1% fuel surcharge waived on all petrol stations across India (on transactions up to Rs. 4000, with maximum amount waived capped at Rs. 100 per statement cycle).
  • 4 complimentary domestic lounge access every year (1 per quarter).
  • Gift Vouchers worth Rs 2,000 from Aditya Birla Fashion or Yatra or Urban Ladder or Hush Puppies or Bata on annual expenditure of Rs. 3,00,000 or above.
  • Renewal fee waived off if Rs. 2,00,000 were spent in the previous year.

See additional details for BPCL SBI Card Octane

Welcome Benefits

2,000 Reward Points

Rewards Rate

1 Reward Point per Rs. 100 spent on retail purchases, 5 Reward Points per Rs. 100 spent on dining, movies, departmental stores, and groceries, and 13 Reward Points per Rs. 100 spent at BPCL pumps.

Best Suited For

Fuel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • Get 1 Reward Point on every Rs. 100 you spend using your BPCL SBI Credit Card.
  • 5X Reward Points on departmental stores, groceries, dining, and movies.
  • 13X Reward Points on fuel at BPCL pumps.
  • Welcome bonus of 2,000 Reward Points.
  • Reward Points redeemable against fuel.
  • 1% fuel surcharge waiver.
  • Spend-based renewal fee waiver.

See additional details for BPCL SBI Credit Card

Air India SBI Signature credit card

Welcome Benefits

20,000 reward points as a welcome gift

Rewards Rate

4 Reward Points on every Rs. 100 spent

Best Suited For

Travel |

Movie & Dining

A minimum of 15% discount on dining across various cities in India

Reward Redemption

A minimum of 15% discount on dining across various cities in India

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

  • Get 4 Reward Points on every Rs. 100 spent on retail purchases.
  • Earn 10 Rewards Points on every Rs. 100 spent on Air India tickets and SuperSaver booklet purchases.
  • 30 Reward Points on every Rs. 100 spent on Air India tickets when booked for yourself through airindia.com or Air India mobile app, and 10 Reward Points on booking for others.
  • Earn 20,000 reward points as a welcome bonus.
  • Enjoy complimentary Priority Pass membership.
  • Get 8 complimentary domestic lounge visits every year through the VISA lounge access program.
  • Earn thousands of Reward points every year on the basis of your spends.

See additional details for Air India SBI Signature Credit Card

Air India SBI Platinum Credit Card

Welcome Benefits

5000 reward points

Rewards Rate

15 reward points on every Rs. 100 spent on booking Air India tickets from Airindia.com (for primary cardholder), 5 reward points on every Rs. 100 spent on booking flight tickets for add-on members and others, 2 reward points on every other Rs. 100 spent on this card

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • The joining fee of Air India SBI Platinum Card is ₹ 1499
  • Get 5000 reward points as a welcome gift.
  • 2,000 reward points as an anniversary gift every year.
  • Get up to 15,000 reward points in a year.
  • 15 reward points on every Rs. 100 spent on booking Air India tickets from Airindia.com for primary cardholders and 5 reward points for others.
  • 2 reward points on every other Rs. 100 spent on this card.
  • 8 complimentary domestic lounge access (2 per quarter).

See additional details for Air India SBI Platinum Credit Card

Club Vistara SBI Card Prime

Welcome Benefits

1 complimentary Premium Economy class ticket as a gift voucher on payment of the joining/renewal fee.

Rewards Rate

4 CV (Club Vistara) points/Rs, 200 on all spends, including fuel purchases.

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 2,999 (plus applicable taxes)

Product Details

  • 1 Premium Economy Class ticket as a welcome benefit on payment of Annual / Renewal fee.
  • 4 Club Vistara Points on every Rs. 200 spent using the card (applicable on all spends including fuel purchases).
  • 3,000 CV points on the expenditure of Rs. 75,000 in the first 90 days of card issuance.
  • 1 Premium Economy class ticket each on annual spends of Rs. 1.5 lakhs, Rs. 3 lakhs, Rs. 4.5 lakhs & Rs. 8 lakhs.
  • 1 Hotel e-voucher from Yatra worth Rs. 10,000 on an annual expenditure of Rs. 8 lakhs.
  • Insurance cover for up to 6 Air Vistara flight cancellations per year, each limited to Rs. 3,500 and many other travel-related insurance benefits.
  • 8 domestic lounge access annually (max 2 per quarter).
  • Priority Pass membership with 4 complimentary lounge access (limited to 2 visits/quarter).

See additional details for Club Vistara SBI Card PRIME

Welcome Benefits

1 complimentary economy class air ticket e-voucher and Club Vistara Base membership

Rewards Rate

3 CV (Club Vistara) Points for Rs 200 spent

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs 1,499 (plus applicable taxes)

Product Details

  • 1000 Bonus Club Vistara points on the spending of Rs 50,000 within the first 90 days
  • Get 1 complimentary economy class air ticket in form of an E-gift voucher as a welcome benefit
  • E-voucher from Yatra. com worth Rs 5000 on annual spending of Rs 5 lacs
  • Annual fee of Rs 1499/- plus applicable charges
  • Earn 3 Club Vistara Points for every Rs 200 spent on every transaction
  • Get 1 complimentary economy class air ticket on each annual spending of Rs 1.5 lacs, 2.5 lacs, 5 lacs
  •  4 complimentary domestic lounge visits every year

See additional details for Club Vistara SBI Card

Etihad Guest SBI Premier Card

Welcome Benefits

5,000 Etihad Guest Miles, complimentary Etihad Guest Gold tier status post first card transaction, 2 Free Wifi vouchers on first Etihad Airways booking.

Rewards Rate

6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, 4 Etihad Guest Miles for every Rs. 100 spent for international purchases, and 2 Etihad Guest Miles on all other spends (except fuel purchases). A max cap of 40,000 Miles per year is applicable

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

  • 5,000 Etihad Guest Miles, complimentary Etihad Guest Gold Tier Status after first card transaction and 2 Complimentary Wifi Vouchers on first Etihad Airways booking using the card as a Welcome Benefit.
  • 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com.
  • 4 Etihad Guest Miles/Rs. 100 on international spends.
  • 2 Etihad Guest Miles for every Rs. 100 spent on all other expenditures (except fuel purchases).
  • Up to 10% discount on direct Etihad Airways bookings.
  • Up to 10% discount on travel rewards and miles redemption.
  • 1,500 Etihad Guest Miles on spends of Rs. 1,50,000 in a calendar quarter.
  • 1 Etihad Companion Voucher on the annual expenditure of Rs. 8,00,000.
  • Annual fee waived if Rs. 5,00,000 were spent in the previous year.
  • International lounge access with Priority Pass and Domestic lounge access with Visa Lounge Program.
  • 1% fuel surcharge waiver.

See additional details for Etihad Guest SBI Premier Card

Etihad Guest SBI Card

Welcome Benefits

2,500 Etihad Guest Miles, Etihad Guest Silver tier status, 1 complimentary wifi voucher on first Etihad Airways booking

Rewards Rate

3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com, 2 Etihad Guest Miles on every Rs. 100 spent on International spends, 1 Etihad Guest Mile on every Rs. 100 spent on other spends

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • 2,500 Etihad Guest Miles as a welcome gift.
  • Complimentary Etihad Guest Silver tier status.
  • 1 free wifi voucher on first Etihad Airways booking.
  • 3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com.
  • 2 Etihad Guest Miles per Rs. 100 on international spends.
  • 1 Etihad Guest Mile per Rs. 100 on all other spends (with a few exceptions).
  • 10% discount on business class ticket bookings directly from Etihad Airways.
  • 3% discount on economy class ticket bookings directly from Etihad Airways.
  • 1 companion voucher on achieving the milestone spends of Rs. 10,00,000.
  • 5,000 Etihad Guest Miles on annual spends of Rs. 5 lakh.
  • Annual membership fee reversal (2nd year onwards) on spends of a minimum of Rs. 3 lakh in the preceding year.
  • 8 complimentary domestic lounge visits every year (max 2/quarter).
  • Complimentary Priority Pass membership worth USD 99.
  • Personal overseas air accident cover worth Rs. 25 lakh.
  • Complimentary fraud liability insurance cover worth Rs. 50,000.
  • Complimentary insurance against loss of baggage worth USD 1,000.
  • 1% fuel surcharge waiver across all fuel stations in India for transactions between Rs. 500 and Rs. 4,000. Maximum waiver capped at Rs. 250 per month.

See additional details for Etihad Guest SBI Card

Welcome Benefits

1,500 Reward Points

Rewards Rate

1 Reward Points on every Rs. 125 you spend

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 1,499

Product Details

  • Get up to 3 Reward Points on every Rs. 1250 you spend with your IRCTC SBI card premier.
  • Get a welcome bonus of 1,500 Reward Points.
  • Up to 5,000 bonus Reward Points on achieving the milestone spend.
  • Get complimentary railway lounge access every year.
  • Exclusive benefits at more than 900 hotels all over the world.
  • Up to 10,000 miles every night on hotel stays.
  • Spend-based renewal fee waiver.
  • 1% fuel surcharge waiver.
  • Exclusive insurance benefits.

See additional details for IRCTC SBI Card Premier

Welcome Benefits

Earn 350 activation bonus on a single transaction of Rs 500 or more within 45 days of the activation of the credit card. Earn Rs 100 cashback on ATM cash Withdrawal for the first time.

Rewards Rate

Earn up to 10% Value Back as Reward Points while you book Railway Tickets on IRCTC. Earn 1 Reward Point for every Rs 125 spent. 1 Reward Point= Re. 1

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 500 plus applicable taxes

Product Details

  • Earn 350 bonus Reward Points on spending Rs 500 or more within the first 45 days.
  • Earn Up to 10% Value Back in the form of Reward Points on the IRCTC Website.
  • Get exclusive travel offers on ticket booking, hotels, tour packages etc. on IRCTC Website.
  • The benefit of fuel surcharge waiver of 1% at all fuel stations pan India.
  • Transaction charges waiver of 1.8% on railway ticket bookings via IRCTC.
  • Globally accepted across millions of outlets accepting VISA cards.

See additional details for IRCTC SBI Platinum Credit Card

Welcome Benefits

You get 350 reward points on a minimum transaction of Rs. 500 within 45 days after receiving the card. You also get Rs 100 cashback on your first ATM withdrawal within 30 days of card issuance.

Rewards Rate

1 Reward Point on every spend of Rs. 125.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

  • Get 1 Reward Point for every Rs. 125 spent on retail purchases, including railway tickets booked at www.irctc.co.in or IRCTC mobile app.
  • Get 350 bonus reward points on a transaction of over Rs. 500 within 45 days after the card set-up date as a welcome gift.
  • On buying AC1, AC2, AC3, and AC CC tickets through irctc.co.in, you get up to 10% value back as reward points.
  • Get 4 complimentary Railway lounge access every year.
  • You can save the 1% transaction charges on your railway ticket booking through irctc.co.in.

See additional details for IRCTC Rupay SBI Credit Card

Welcome Benefits

2000 Reward Points on spending Rs 2000 within the first 60 days of the card issuance. Moreover, you get free metro cash of Rs 50 on your Delhi Metro Smart card

Rewards Rate

10 reward points on every Rs 100 spent on Dining, Movies, Grocery, Departmental stores, and Utility bill payments. You get 1 reward point on every Rs 100 spent on other categories

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 500 + GST

Product Details

  • 2000 Reward Points on spending Rs 2000 within the first 60 days
  • 10 RP on every Rs 100 spent on Dining, Movies, Grocery, Departmental stores, and Utility bill payments
  • Auto top-up of Rs 200 on your Delhi Metro Smart card when your balance reaches Rs 100.
  • Renewal fee waiver on annual spending of Rs 1,00,000 in the previous year
  • 1% surcharge waiver on all fuel transactions at all fuel stations across India.

See additional details for Delhi Metro SBI Credit Card

Mumbai Metro SBI Card

Welcome Benefits

Get Rs. 50 as preloaded value on Mumbai Metro SBI Card. Get 2000 reward points on spending ₹ 2,000 within 60 days of card issuance.

Rewards Rate

Earn 10 reward points on every ₹ 100 spent on top-up. Earn 10 reward points on every ₹ 100 spent on dining, movies, grocery and departmental stores (up to 5000 RPs in a month). Earn 1 reward points on every ₹ 100 spent on other categories.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

₹ 499

Product Details

  • The joining fee of Mumbai Metro SBI Card is ₹ 499.
  • As welcome benefits, get 2000 reward points on spending ₹ 2,000 within 60 days and a preloaded value of ₹ 50 on your card.
  • Enjoy the auto top-up of ₹ 200 facility on reaching balance at ₹ 50.
  • 10 reward points on every ₹ 100 spent on top-up.
  • 10 reward points on every ₹ 100 spent on dining, movies, grocery and departmental stores (up to 5000 RPs in a month).
  • 1 reward points on every ₹ 100 spent on other categories.

See additional details for Mumbai Metro SBI Card

Welcome Benefits

Get e-gift vouchers from Yatra.com worth Rs 8250/- on paying the membership fee

Rewards Rate

6 Reward Points on every Rs. 100 spent on groceries, Movies, Entertainment, Departmental Stores, Dining
1 Reward Point on every Rs. 100 spent on all other categories

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 499/- plus applicable taxes

Product Details

  • E-gift vouchers from Yatra.com worth Rs 8250/- as welcome gift
  • Get Rs 1000 off on domestic flight bookings
  • Get Rs Rs. 4,000 off on international flight bookings
  • Annual fee of Rs 499 plus applicable taxes
  • Enjoy 20% off on domestic hotels
  • Annual fee waiver on annual spending of Rs 1 lac
  • Complimentary air accidental cover worth Rs 50 lacs
  • 1% fuel surcharge  waiver on fuel transactions across all petrol pumps in India

See additional details for Yatra SBI Credit Card

Welcome Benefits

Get a Complimentary Paytm First Membership is provided on card activation as welcome offer. Welcome Cashback of Rs 750 is provided to the card holder upon activation of the credit card in your Paytm wallet.

Rewards Rate

5% cashback on Paytm Mall, Movies, Travel. 2% cashback on all other purchases on Paytm App. 1% cashback on other online and offline spends.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 1,499 plus GST

Product Details

  • Complimentary Paytm First Membership is provided on card activation as welcome offer.
  • Welcome Cashback of Rs 750 is provided upon activation of the credit card.
  • Earn cashbacks on Paytm Mall and Paytm App as Reward.
  • Complimentary Domestic Airport Lounge access 4 times in year.
  • Complimentary Priority Pass worth US $99 under the International Lounge Program.
  • Fuel Surcharge Waiver of 1% can be availed at all fuel stations across India (Maximum waiver of Rs 250 per statement cycle).
  • Earn gift vouchers as a Milestone Benefit. Complimentary Paytm First membership voucher at renewal on achieving annual spends milestone of Rs 1 lac.
  • Cyber Fraud Insurance Cover worth Rs 2 Lacs.

See additional details for Paytm SBI Credit Card Select

Welcome Benefits

You get a flight voucher worth Rs. 300 and an EaseMyTrip voucher worth Rs. 2000.

Rewards Rate

1% Reward Points on all spends.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Nil

Product Details

  • Earn 1% Reward Point on all your spending.
  • Earn 7% Reward Points on all OLA rides.
  • No Joining fee charged
  • 5% cashback on flight bookings.
  • Up to 10% cashback on hotel bookings.
  • A spend-based waiver on the renewal fee is provided.

See additional details for OLA Money SBI Credit Card

Welcome Benefits

NA

Rewards Rate

1 reward point on every Rs 100 spent

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Nil

Product Details

  • Zero Annual Charged (For first four years)
  • 1 Reward Point on every Rs 100 spent
  • Rs 500 cashback on annual spending of Rs 50,000 within 15 days
  • 1% surcharge waiver on all fuel transactions between Rs 500 and Rs 3000

See additional details for SBI Unnati Credit Card

Welcome Benefits

You get exclusive shopping e-Gift vouchers worth Rs 3000 from any partner exclusive such as Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside

Rewards Rate

You can upto 3 Empower points on Dining, Departmental & Grocery shopping, and International spends. You get 1 Empower point on every Rs 100 spent on other retail categories. You earn 1 Empower point on every Rs 100 spent on retail stores

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

3,000 + GST

Product Details

  • Exclusive shopping e-Gift vouchers worth Rs 3000 from any partner exclusive
  • 3x points on Dining, Departmental & Grocery shopping, and International spends
  • 8 complimentary lounge access in India with Mastercard at select airports
  • Get an e-Gift voucher worth Rs 3000 from the following partner exclusives on annual spending of Rs 4 lakhs and 5 lakhs each
  • 2% value back on spends on Croma and croma.com & upto 5% value back on spends on Tata outlets
  • 1% surcharge waiver on fuel transactions at all fuel stations across India

See additional details for SBI Tata Platinum Card

Welcome Benefits

Complimentary Paytm First membership worth Rs 899.

Rewards Rate

3% Cashback on every Rs. 100 spent on all Paytm Mall, movies, and travel. You can earn 2% Cashback on every Rs. 100 spent on all other purchases on Paytm App on this card. You can also earn 1% Cashback on every Rs. 100 spent on any other offline/online transactions.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 499 + GST

Product Details

  • 3% Cashback on every Rs. 100 spent on all Paytm Mall, movies, and travel
  • 2% Cashback on every Rs. 100 spent on all other purchases on Paytm App
  • 1% Cashback on every Rs. 100 spent on any other offline/online transactions
  • Complimentary Paytm First membership worth Rs 899
  • Liability Protection cover of Rs 1,00,000 in case of fraudulent transaction
  • 1% surcharge waiver on fuel transactions between Rs 500 and Rs 3000

See additional details for Paytm SBI Card

Welcome Benefits

Fabindia Vouchers worth Rs. 1,500; direct access to platinum tier Fabfamily membership.

Rewards Rate

10 Reward Points per Rs. 100 spent on Fabindia stores, 3 Reward Points per Rs. 100 spent on dining, movies and entertainment, 2 Reward Points per Rs. 100 spent on all international spends, 2 Reward Points per Rs. 200 on all other spends.

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

N/A

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • Fabindia gift voucher worth Rs. 1,500.
  • Platinum tier Fabfamily membership.
  • Gift voucher worth Rs. 1,250 from popular brands on spends of Rs. 2 lakh in a calendar quarter.
  • 10 Reward Points per Rs. 100 spent on Fabindia stores.
  • 3 Reward Points per Rs. 100 spent on dining, movies and entertainment.
  • 2 Reward Points per Rs. 100 on all international spends.
  • 2 Reward Points per Rs. 200 on all other spends.
  • 4 complimentary domestic lounge access (max 1 per quarter).
  • Complimentary membership of the Priority Pass program valid for 24 months.
  • 1% fuel surcharge waived off on transactions of up to Rs. 3,000. Maximum waiver capped at Rs. 100/month.
  • The Reward Points can be converted into Fabfamily rewards which can be used for shopping on Fabindia stores. 1 Reward Point = 1 Fabfamily Reward = Re. 1.

See additional details for FABindia SBI Card SELECT

FABINDIA SBI CARD

Welcome Benefits

Fabindia gift vouchers worth Rs. 500 & Fabfamily Gold Tier membership.

Rewards Rate

5 Reward Points per Rs. 100 spent on Fabindia stores, 2 Reward Points per Rs. 100 spent on dining, entertainment & movies, 1 Reward Point per Rs. 100 spent on international spends, 1 Reward Points per Rs. 200 spent on all other categories.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs. 499

Product Details

  • Get up to 2 Reward Points on every Rs. 100 you spend.
  • 5 Reward Points on every Rs. 100 spent on Fabindia stores.
  • Gift vouchers worth Rs. 500 as a welcome gift.
  • Access to Fabfamily Gold Tier membership.
  • Gift vouchers worth Rs. 750 on achieving the milestone spend.
  • Spend-based renewal fee waiver.
  • 1% fuel surcharge waiver.

See additional details for FABINDIA SBI Card

Welcome Benefits

12000 RPs worth Rs. 3000. Rs. 100 cash-back on first withdrawal using ATM (within 30 days of receiving the card)

Rewards Rate

2 RPs on purchase made worth Rs. 100 at non-landmark retail shops.. 15 RPs on online & offline purchases at landmark shops. 10 RPs on every Rs. 100 spent at dining & movies.

Best Suited For

Shopping |

Movie & Dining

Earn 10 RPs on dining & movies

Reward Redemption

Earn 10 RPs on dining & movies

Joining Fees

Rs. 2,999 with applicable taxes

Product Details

  • Rs. 2999 with applicable taxes are charged for a renewal fee.
  • Rs. 2999 plus GST are charged at the time of joining.
  • Get 12000 bonus reward points as welcome benefits.
  • Get 12000 reward points on the payment of the renewal fee.
  • Get a cumulative of 58,000 reward points worth Rs. 14,500 under milestone benefits.
  • Earn 15 reward points on every purchase at landmark stores like Lifestyle, Home Centre, etc.
  • Avail 10 reward points on every Rs. 100 spent at dining & movies.
  • Get 2 reward points per Rs. 100 on other retail purchases.
  • Earn bonus reward points of 20000 on overall retail spends of Rs. 500000.

See additional details for Lifestyle Home Centre SBI Card Prime

Welcome Benefits

Earn 6000 bonus reward points on paying annual fees.

Rewards Rate

Earn 10 Earn Reward Points on every Rs 100 spent on all Online and Offline Landmark stores. Earn 2 Reward Points on every Rs 100 spent on all other online and offline purchases.

Best Suited For

Shopping |

Movie & Dining

Get 10 Reward Points on every Rs 100 spent on dining and movies.

Reward Redemption

Get 10 Reward Points on every Rs 100 spent on dining and movies.

Joining Fees

Rs 1,499 plus applicable taxes

Product Details

  • Earn 6000 bonus reward points on paying annual fees.
  • Earn 10 Earn Reward Points on every Rs 100 spent on all Online and Offline Landmark stores.
  • Earn 2 Reward Points on every Rs 100 spent on all other online and offline purchases. Get Reward Points spent on dining and movies.
  • Redeem your Reward points by converting them into Landmark Rewards.
  • The benefit of fuel surcharge waiver of 1% at all fuel stations pan India.
  • Earn 6000 Bonus reward points as a renewal benefit.
  • Earn up to 12,000 Reward points as Milestone benefits on annual spending.

See additional details for Max SBI Card SELECT

Top 10 SBI Credit Cards

Premium Credit Card

SBI Card ELITE: The SBI ELITE Credit Card is a premium credit card that comes with exclusive benefits over an array of categories, including travel, movies, reward offers, etc. It welcomes you with an e-gift voucher worth Rs. 5,000 and provides you movie benefits of up to Rs. 6,000 per year. Under its milestone privileges, you can earn up to 50,000 bonus Reward Points (equivalent to Rs. 12,500) every year. Moreover, the card provides its customers with complimentary airport lounge access, complimentary Club Vistara membership, and exclusive Trident Privilege membership to give them one of the best reward experiences. To know more about the card, click here.

Rewards Credit Cards

SBI Card PRIME: The SBI PRIME Credit Card is among the best Reward credit cards issued by the State Bank of India. It welcomes you with a gift voucher worth Rs. 3,000 and gives you an opportunity to earn thousands of Reward Points every month on almost all your spends. You can earn e-gift vouchers worth Rs. 8,000 every year on the basis of your total annual spends. Not only this, but the card also gets you complimentary airport lounge access, complimentary Trident Privilege membership, and many more such exclusive benefits. To know more about the card, click here.

Paytm SBI Card SELECT: The Paytm SBI Card SELECT comes with exciting cashback offers to let its customers save more & more on their spends. As a welcome gift, you get Rs. 750 as cashback in your Paytm wallet, and complimentary Paytm First membership with benefits worth up to Rs. 75,000. Under its milestone benefits, you can earn gift vouchers worth up to Rs. 6,000 on the basis of your total annual spends. Although the card is popular for its Reward programs, it also provides exclusive travel benefits that include complimentary Priority Pass membership and complimentary domestic lounge access. To know more benefits of the card, click here.

Shopping Credit Cards

SimplySAVE SBI Credit Card: As the name suggests, the SimplySAVE SBI Credit Card allows its customers to save every time they spend. With a welcome benefit of 2,000 bonus Reward Points (equivalent to Rs. 500), the card earns you Reward Points on all your retail spends & accelerated Rewards on selected categories, such as dining, groceries, departmental stores, etc. The card provides you with several amazing saving opportunities, such as spend-based renewal fee waiver & fuel surcharge waiver. With this card, you can save up to Rs. 1,200 every year on your fuel transactions and Rs. 499 on getting your renewal fee waived off.

SimplyCLICK SBI Credit Card: The SimplyCLICK SBI Credit Card is another shopping card issued by the State Bank of India in order to let its customers save more on shopping. The card welcomes you with an Amazon gift card worth Rs. 500 and you earn Reward Points on all your spends (accelerated Reward Points on partner brands & online shopping). The card gives you an opportunity to earn gift vouchers worth up to Rs. 4,000 every year on the basis of your annual spends. More of its benefits include fuel surcharge waiver, spend-based annual fee waiver, etc. To know all about the card, click here.

Fuel Credit Card

BPCL SBI Card OCTANE: The BPCL SBI Card OCTANE is issued by the State Bank of India in partnership with BPCL to provide its customers with exciting reward offers, especially on fuel transactions. The card earns you 6,000 Reward Points (equivalent to Rs. 1,500) as a welcome bonus, and you get Reward Points every time you spend. On fuel transactions at BPCL pumps, you can save 7.25% every time. Other than all this, you can earn a gift voucher worth Rs. 2,000 every year under its Milestone benefits and you get complimentary airport lounge access every year. To know all benefits of the card, click here.

Travel Credit Cards

Club Vistara SBI Card PRIME: The Club Vistara SBI Card PRIME comes with exclusive travel benefits and earns you Rewards in the form of Club Vistara Points, which can be redeemed against travel-related spends like flight/hotel bookings, etc. As a welcome gift, you get 1 premium economy class ticket and you can earn up to 4 economy class tickets every year based on your annual spends. Moreover, the card provides complimentary airport lounge access & Priority Pass membership to make your travel experiences even better. To know more about the card’s benefits, click here.

Etihad Guest SBI Premier Card: The Etihad Guest SBI Premier Credit Card is another amazing travel card issued by the SBI. The card earns you rewards in the form of Etihad Guest miles and welcomes you with 5,000 EG miles & 2 free WiFi vouchers. You can earn 1,500 additional bonus miles every year on achieving the milestone spend. The card also lets you save up to 10% on your flight bookings on Etihad Airways. More of its travel benefits include complimentary domestic/international airport lounge access every year, complimentary air accident insurance cover, etc. To know all the benefits of this card, click here.

Air India SBI Signature Card: The Air India SBI Signature Credit Card is one of the most significant travel cards issued by the SBI. Not only travel benefits, but the card is also popular due to its exclusive Reward Programs. As a welcome benefit, you get 20,000 bonus Reward Points with this card and you can earn up to 1,00,000 additional bonus Reward Points every year under its milestone benefits. The Reward Points are easily redeemable against Air India Air Miles. The travel benefits of the card include complimentary airport lounge access every year. To know all the advantages of the card, click here.

IRCTC SBI Card Premier: The IRCTC SBI Card Premier is among the popular travel cards issued by the State Bank of India. It doesn’t only provide Reward Points, but also lets you save on your railway/airline bookings through irctc.co.in. To give you luxurious travel experiences, the card provides you with complimentary railway lounge access every year. With this card, you can earn up to 7,500 bonus Reward Points every year based on your total annual spends. Moreover, the fuel surcharge waiver, insurance covers, and spend-based annual fee waiver are among its key features. To know more about the card’s benefits, click here.

Reward Points & Cashback Benefits:

Credit Card Reward Points / Cashback
SBI Card ELITE 10 Reward Points per Rs. 100 spent on dining, groceries, and departmental stores.
2 Reward Points on every other spend of Rs. 100.
SBI Card PRIME 20 Reward Points per Rs. 100 spent on standing instructions of Utility bill payments.
10 Reward Points per Rs. 100 spent on groceries, dining, and departmental stores.
2 Reward Points per. Rs. 100 spent on all other retail purchases.
Paytm SBI Card SELECT 5% cashback on movies, travel, and Paytm Mall through Paytm App
2% cashback on any other spends on the Paytm app.
1% cashback on all other online/offline purchases.
SimplySAVE SBI Credit Card 10 Reward Points per Rs. 100 spent on movies, dining, departmental stores, and groceries.
1 Reward Point on every other spend of Rs. 100.
SimplyCLICK SBI Credit Card 10 Reward Points on every online spend of Rs. 100 on Amazon / BookMyShow / UrbanClap / Lenskart / Cleartrip.
5 Reward Points on every other online spend of Rs. 100.
1 Reward Points on every other spend of Rs. 100.
BPCL SBI Card OCTANE 25 Reward Points per Rs. 100 spent on BPCL fuel stations, Bharat Gas & Lubricants.
10 Reward Points per Rs. 100 spent on movies, groceries, dining, and departmental stores.
1 Reward Point on every other spend of Rs. 100.
IRCTC SBI Card Premier 3 Reward Points on every Rs. 125 standing instructions of utility spends and dining.
1 Reward Point on every Rs. 125 spent on all other retail purchases.
Club Vistara SBI Card PRIME 4 Club Vistara Points on every retail spend of Rs. 200.
Etihad Guest SBI Premier Card 6 Etihad Guest Miles on every spend of Rs. 100 on Etihad.com.
4 Etihad Guest Miles on every international spend of Rs. 100.
2 Etihad Guest Miles on every other spend of Rs. 100.
Air India SBI Signature Card 4 Reward Points on every spend of Rs. 100.

Rewards Redemption

The reward points you earn using your SBI credit cards can be redeemed by logging in to the SBI Card website here. You can redeem your earned Reward Points against various categories, including flight/hotel bookings, shopping, gift cards/vouchers, gadgets, and various other products at the following rate:

Credit Card Reward Type Value of 1 Reward Point
SBI Card ELITE Reward Points Re. 0.25
SBI Card PRIME Reward Points Re. 0.25
Paytm SBI Card SELECT Cashback NA
SimplySAVE SBI Credit Card Reward Points Re. 0.25
SimplyCLICK SBI Credit Card Reward Points Re. 0.25
BPCL SBI Card OCTANE Reward Points Re. 0.25
IRCTC SBI Card Premier Reward Points Re. 1
Club Vistara SBI Card PRIME Club Vistara Points NA
Etihad Guest SBI Premier Card Etihad Guest miles NA
Air India SBI Signature Card Reward Points 1 Air India Air Mile

For the Club Vistara SBI Card, the earned CV Points are automatically credited to your Club Vistara membership account within 15 days. And for the Air India SBI Signature Card, the Reward Points are converted into Air India Air Miles within 7 days after receiving your request. For the Etihad Guest SBI Premier Card, the Etihad Guest Miles can be redeemed at Etihadguest.com.

Complimentary Airport Lounge Access

Credit Card Complimentary Domestic Lounge Access Complimentary International Lounge Access
SBI Card ELITE 8 complimentary domestic lounge visits per year 6 complimentary international lounge visits per calendar year
SBI Card PRIME 8 complimentary domestic lounge access per calendar year 4 complimentary international lounge access every year through Priority Pass
Paytm SBI Card SELECT 4 complimentary domestic lounge access every year NA
BPCL SBI Card OCTANE 4 complimentary domestic lounge access every calendar year NA
IRCTC SBI Card Premier 8 complimentary domestic railway lounge access every year NA
Club Vistara SBI Card PRIME 8 complimentary domestic lounge access every year 4 complimentary international lounge access per year through Priority Pass
Etihad Guest SBI Premier Card 8 complimentary domestic lounge access every year 4 complimentary international lounge access per year
Air India SBI Signature Card 8 complimentary domestic lounge access every year NA
SimplySAVE SBI Credit Card NA NA
SimplyCLICK SBI Credit Card NA NA

Annual Fee

Credit Card Annual Fee Renewal Fee Waiver condition (spend within an anniversary year)
SBI Card ELITE Rs. 4,999 Rs. 10,00,000 or more
SBI Card PRIME Rs. 2,999 Rs. 3,00,000 or more
Paytm SBI Card SELECT Rs. 1,499 NA
SimplySAVE SBI Credit Card Rs. 499 Rs. 1,00,000 or more
SimplyCLICK SBI Credit Card Rs. 499 Rs. 1,00,000 or more
BPCL SBI Card OCTANE Rs. 1,499 Rs. 2,00,000 or more
IRCTC SBI Card Premier Rs. 1,499 Rs. 2,00,000 or more
Club Vistara SBI Card PRIME Rs. 2,999 NA
Etihad Guest SBI Premier Card Rs. 4,999 Rs. 5,00,000 or more
Air India SBI Signature Card Rs. 4,999 NA

Other Fees & Charges

Credit Card Interest Rate Foreign Currency Markup Fee
SBI Card ELITE 3.5% per month 1.99%
SBI Card PRIME 3.5% per month 3.5%
Paytm SBI Card SELECT 3.5% per month 3.5%
SimplySAVE SBI Credit Card 3.5% per month 3.5%
SimplyCLICK SBI Credit Card 3.5% per month 3.5%
BPCL SBI Card OCTANE 3.5% per month 3.5%
IRCTC SBI Card Premier 3.5% per month 3.5%
Club Vistara SBI Card PRIME 3.5% per month 3.5%
Etihad Guest SBI Premier Card 3.5% per month 3.5%
Air India SBI Signature Card 3.5% per month 3.5%

Documents Required

Identity Proof Address Proof (any of the following) Income proof
  • PAN Card
  • Aadhar Card
  • Voter ID
  • Passport
  • Driving Licence
  • Voter ID
  • Passport
  • Utility bills
  • Aadhar Card
  • Driving Licence
  • Rent agreement
  • Municipal or property tax receipt
  • House allotment letter issued by central or state government
  • For salaried employees - salary slip of latest months.
  • For self-employed individuals - Later ITR (Income Tax Return) / Form 16.

How To Apply?

  • You can visit your nearest SBI branch to apply for an SBI credit card.
  • You can also contact the SBI card helpline number 39 02 02 02(with STD code of your city) to apply for an SBI credit card.
  • The easiest way to apply for an SBI credit card is to apply online at https://www.sbicard.com/. Visit the page, click on ‘Apply.’ Choose your credit card and apply by filling in all the required details.

SBI Credit Card Application Status

If you have applied for an SBI credit card, you can easily track your application status at https://www.sbicard.com/en/eapply.page#track-retrieve-form by entering your application number.

Customer Care

Kind of information/help needed Helpline / Missed Call service / SMS service number
Grievance redressal 1860 500 1290 / 1860 180 1290 / 1800 180 1290 (toll free)
Balance Enquiry Send SMS BAL XXXX to 5676791 or give a missed call on 8422845512
Block your card Send SMS BLOCK XXXX to 5676791
To know available cash & credit limit Send SMS AVAIL XXXX to 5676791 or give a missed call at 8422845513
Summary of Reward Points Send SMS REWARD XXXX to 5676791 or give a missed call at 8422845514
Status of last payment Send SMS PAYMENT XXXX to 5676791 or give a missed call at 8422845515
To request for duplicate statement Send SMS DSTMT XXXX MM to 5676791
To subscribe to an e-statement Send SMS ESTMT XXXX to 5676791

Here, XXXX denotes the last four digits of your credit card number and MM denotes the month for which you need the duplicate statement.

FAQs:

  1. Though the eligibility criteria are not clearly mentioned for the SBI Cards, there is a portal called Simplyfier, where you can choose a credit card that is best suited according to your annual income, your monthly spends, and the benefits you want with your card.
  1. Four of the above 10 cards provide international airport lounge access, which are as follows:
    SBI Card ELITE: 6 complimentary international lounge access per year.
    SBI Card PRIME: 4 complimentary international lounge access every year.
    Club Vistara SBI Card PRIME: 4 complimentary international lounge access every year.
    Etihad Guest SBI Premier Card: 4 complimentary international lounge access every year.
  1. The Etihad Guest Miles can be redeemed at https://www.etihadguest.com/ or its partner services. The redemption can be done against flight/hotel bookings, car rentals, or to pay for your purchases.

Yes, you can use your SBI credit card for international transactions for which you will be charged a foreign currency markup fee. The foreign currency markup fee is 1.99% for the SBI Card ELITE & SBI Card AURUM, and it is 3.5% for all other SBI Credit Cards.

The best cashback credit card issued by SBI is Paytm SBI Card SELECT. With this card, you get a cashback of Rs. 750 as a welcome gift, and up to 5% cashback on your spends.

If your SBI credit card is lost/stolen, you need to report it to the bank as soon as possible by sending an SMS BLOCK XXXX to 5676791 to get your card blocked.

Yes, the SBI credit cards can be used to withdraw money with a cash advance fee of 2.5% of the cash amount withdrawn or Rs. 500 (whichever is higher).

  1. Yes, to apply for an SBI Credit Card with your mobile phone, you can either call at 39 02 02 02 or you can apply on https://www.sbicard.com/ as follows:
    Click on ‘Apply.’
    Choose the credit card you want to apply for.
    Fill in the application form.

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