HDFC Bank 
SBI Card 
IDFC Bank 
Axis Bank 
ICICI Bank 
HSBC 
YES Bank 
AmEx
IndusInd Bank 
By Ankur Mittal
Updated On
The credit card issuing institution, SBI Cards and Payment Services Limited, was launched by the most prominent public sector bank in India, the State Bank of India, in October 1998. The company is solely aimed at providing its clients with the best credit card services. SBI credit cards have been issued to around 1.86 crore individuals as of January 2024, and hence, SBI cards have become the second-largest card issuer in the country, with HDFC Bank being the largest. The SBI Card headquarters are situated in Gurugram, Haryana, and the card issuer has branches across more than 100 cities in the country. Being operated under the most trusted bank in India, the card-issuing company SBI Cards and Payment Services Limited has received many business-related awards, including the ‘Most Trusted Brand Gold Award’ and a lot more.
A lot of individuals want to have an SBI credit card but need to be made aware of all the company’s offerings. From the basic to the super-premium category, SBI Card issues more than 50 credit cards with different exciting privileges and benefits. This article will help you understand all the best SBI credit cards, their features, and why you should have one.
A lot of individuals want to have an SBI credit card but need to be made aware of all the company’s offerings. From the basic to the super-premium category, SBI Card issues more than 50 credit cards with different exciting privileges and benefits. This article will help you understand all the best SBI credit cards, their features, and why you should have one.
Table of Contents
- SBI SimplyCLICK Credit Card
- Cashback SBI Card
- SBI SimplySAVE UPI Rupay Credit Card
- SBI Card PULSE
- BPCL SBI Card Octane
- SBI Prime Credit Card
- Club Vistara SBI Card PRIME
- BPCL SBI Credit Card
- SBI ELITE Credit Card
- Club Vistara SBI Credit Card
- IRCTC Rupay SBI Credit Card
- Titan SBI Credit Card
- Reliance SBI Card
- SBI Card MILES PRIME
- Air India SBI Signature Credit Card
- Air India SBI Platinum Credit Card
- Etihad Guest SBI Premier Credit Card
- Etihad Guest SBI Credit Card
- IRCTC SBI Card Premier
- IRCTC SBI Platinum Credit Card
- Yatra SBI Credit Card
- Paytm SBI Credit Card Select
- Paytm SBI Credit Card
- Aditya Birla SBI Card SELECT
- Aditya Birla SBI Credit Card
- Doctor’s IMA SBI card
- FABindia SBI Card SELECT
- FABINDIA SBI Card
- Lifestyle Home Centre SBI Card
- Lifestyle Home Centre SBI Card Prime
- Apollo SBI Credit Card
- Max SBI Card SELECT
- SBI Shaurya Credit Card
- SBI Shaurya Select Credit Card
- OLA Money SBI Credit Card
- Delhi Metro SBI Credit Card
- Mumbai Metro SBI Card
- SBI Tata Platinum Card
- SBI Unnati Credit Card
- Nature’s Basket SBI Card
- Nature’s Basket SBI Card Elite
List Of Best SBI Credit Cards in India
SBI Card issues a large number of credit cards, and therefore you may find it difficult to check the benefits and features of all the cards in one place. To make it easier for you, we have made a list of all the best SBI Credit Cards in India. We have also filtered out some of the Top SBI Credit Cards later in this article. To know more about all the cards offered by SBI Card, keep reading so that you can compare on the basis of your needs and apply online wisely.
(5/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Amazon Gift Card Worth Rs. 500
(4.7/5)
Joining Fee
Rs. 999 + GST
Renewal Fee
Rs. 999 + GST
Best Suited For
Shopping | Food
Reward Type
Cashback
Welcome Benefits
NA
(4.6/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.
(4.5/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.
(4.8/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel | Fuel | Food
Reward Type
Reward Points
Welcome Benefits
6,000 Bonus Reward Points Worth ₹1,500
(4.4/5)
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.
(4.4/5)
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
1 complimentary Premium Economy class ticket as a gift voucher on payment of the joining/renewal fee.
(4.6/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Fuel
Reward Type
Reward Points
Welcome Benefits
2,000 Activation Bonus Reward Points worth Rs.500 on payment of joining fee (credited after 20 days of the payment of joining fee).
(4.5/5)
Joining Fee
Rs. 4,999 + GST
Renewal Fee
Rs. 4,999 + GST
Best Suited For
Movies | Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
(4.2/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
1 economy class air ticket e-voucher as a complimentary gift and Club Vistara Base membership
(3.8/5)
Joining Fee
Rs. 500 + GST
Renewal Fee
Rs. 300 + GST
Best Suited For
Travel
Reward Type
Reward Points
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.
(4.4/5)
Joining Fee
Rs. 2999 + GST
Renewal Fee
Rs. 2999 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
12000 Reward Points (Worth ₹3,000)
(4.3/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Reliance Retail Vouchers Worth Rs. 500 and Discount Vouchers of Rs. 3,200
(4.6/5)
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Reliance Retail Vouchers Worth Rs. 3,000 and Discount Vouchers of Rs. 11,999
(4.3/5)
Joining Fee
Rs. 4,999 + GST
Renewal Fee
Rs. 4,999 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You will get 20,000 reward points in the form of a welcome benefit.
(4.1/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
5,000 reward points after paying the joining fee (credited within 15 days from the date of payment)
(4.2/5)
Joining Fee
Rs. 4,999 + GST
Renewal Fee
Rs. 4,999 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
5,000 Etihad Guest Miles, 2 Free Wifi vouchers on first Etihad Airways booking, complimentary Etihad Guest Gold tier status post first card transaction,
(3.9/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
2,500 Etihad Guest Miles, Etihad Guest Silver tier status, 1 complimentary wifi voucher on first booking for Etihad Airways
(4.3/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
1,500 Reward Points
(3.9/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get e-gift vouchers from Yatra.com worth Rs 8250/- on paying the membership fee
(4.4/5)
Joining Fee
Rs 1,499 + GST
Renewal Fee
Rs 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
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.
(3.9/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Complimentary membership to Paytm First worth Rs. 899.
(4.5/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
6000 Rewards Points on card issuance.
(4.1/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Travel | Shopping
Reward Type
Reward Points
Welcome Benefits
Activation bonus of 2,000 Rewards Points.
(4.5/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
Get a complimentary travel gift voucher from Yatra.com worth Rs. 1500. Voucher will be redeemed online at the time of purchase.
(3.9/5)
Joining Fee
Rs. 3,000 + GST
Renewal Fee
Rs. 3,000 + GST
Best Suited For
Shopping
Reward Type
Reward Points
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
(3.7/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fabindia Vouchers worth Rs. 1,500; direct access to platinum tier Fabfamily membership.
(3.6/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Fabindia gift vouchers worth Rs. 500 & Fabfamily Gold Tier membership.
(4.5/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
2,000 bonus reward points worth Rs. 500 on card activation and Rs. 100 cash back on your first ATM cash withdrawal within 30 days of card activation.
(3.8/5)
Joining Fee
Rs. 2,999 + GST
Renewal Fee
Rs. 2,999 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
12000 RPs worth Rs. 3000. Rs. 100 cash-back on first withdrawal using ATM (within 30 days of receiving the card)
(3.5/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
500 Reward Points and complimentary Apollo Gold Tier Membership
(3.7/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Earn 6000 bonus reward points on paying annual fees.
(4.5/5)
Joining Fee
Rs. 250 + GST
Renewal Fee
Rs. 250 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
1,000 bonus Reward Points
(4.5/5)
Joining Fee
Nil
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.2/5)
Joining Fee
Nil
Renewal Fee
Rs. 499 + GST
Best Suited For
Travel
Reward Type
Reward Points
Welcome Benefits
You get a flight voucher worth Rs. 300 and an EaseMyTrip voucher worth Rs. 2000.
(3.7/5)
Joining Fee
Rs. 500 + GST
Renewal Fee
Rs. 500 + GST
Best Suited For
Travel
Reward Type
Reward Points
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
(3.7/5)
Joining Fee
Rs. 499 + GST
Renewal Fee
Rs. 499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
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.
(3.9/5)
Joining Fee
Rs. 3,000 + GST
Renewal Fee
Rs. 3,000 + GST
Best Suited For
Shopping
Reward Type
Reward Points
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
(3.8/5)
Joining Fee
Nil
Renewal Fee
Nil
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
NA
(4.5/5)
Joining Fee
Rs. 1,499 + GST
Renewal Fee
Rs. 1,499 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Gift voucher worth Rs. 1,500 from Nature’s Basket and complimentary access to ‘Epicure’ Nature’s Basket Loyalty Program
(4.5/5)
Joining Fee
Rs. 4,999 + GST
Renewal Fee
Rs. 4,999 + GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Complementary access to Connoisseur, Nature’s Basket loyalty program and Nature’s Basket Gift Voucher worth Rs. 5,000.
SBI Credit Card Benefits and Features
Although every credit card issued by the State Bank of India is different, we are here with a list of benefits that you may expect to get from an SBI Credit Card. You will indeed be provided with one or more of the benefits that are mentioned below:
- Welcome Benefits – On joining the card membership, you get a welcome benefit along with your SBI Card. The welcome benefits may be in the form of points, accelerated cashback, complimentary prime memberships, or anything, depending on what type of credit card you have. Sometimes you might need to spend a minimum threshold amount within a given time period to avail of the welcome benefits, and some cards offer you these privileges without any spending requirements.
- Reward Points/Cashback – The RPs/cashback offered by credit cards is one of the most attractive features of credit cards, and this is why many people get a credit card even if they don’t actually need it. Some of the SBI Cards offer RPs on all your spends, while others offer cash back. You get rewarded every time you spend. However, the reward rate may vary with the category.
- Milestone Benefits – Milestone benefits can be availed by the credit card holder on achieving the spend milestone as required. For example, a credit card may offer you 10,000 bonus RPs on spending Rs. 2 lakhs or more in a year. Some cards offer RPs, others offer gift vouchers, and some may also have other types of milestone benefits.
- Travel Benefits – Maintaining the increasing love for travel in today’s generation, SBI Card offers some travel credit cards with world-class privileges, including complimentary air tickets, complimentary airport lounge access, free memberships to airline programs, and many more. Such credit cards are best suited for frequent travellers.
- Entertainment Benefits – Some cards also come with exciting entertainment benefits, including complimentary movie tickets, exciting discounts on BookMyShow, up to 50% savings on dining, and many more.
- Other Benefits – Other than all the above privileges, some of the best SBI Cards also offer additional benefits, including golf privileges, insurance benefits, fuel surcharge waiver, zero liability protection, spend-based annual fee waiver, and many more.
Best SBI Credit Cards
In total, SBI has 72 cards in its portfolio, which range from basic to super-premium categories. You may wonder which is the best SBI credit card. Out of all these cards, the ten most popular SBI credit cards are as mentioned below:
SBI Premium Credit Card
Cashback SBI Credit Card
The Cashback credit card is newly launched by SBI Bank, and as you can tell by its name, it offers you cashback for almost every transaction made by you. The card charges an annual fee of Rs. 999, and you get up to 5% cashback on your online and 1% cashback on your offline spends and utility bill payments. You also get a 1% fuel surcharge waiver and can get the renewal fee of this card waived on spending Rs. 2 Lakhs or more in the previous year.
SBI ELITE Card
The SBI ELITE Credit Card is a premium card that offers 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 with movie benefits of up to Rs. 6,000 per year. Under its milestone privileges, you can earn up to 50,000 bonus RPs (equivalent to Rs. 12,500) every year. Moreover, the card offers the cardholders with complimentary airport lounge access, complimentary Club Vistara membership, and exclusive Trident Privilege membership to give them one of the best reward experiences.
SBI Rewards Credit Cards
SBI Card PRIME
The SBI PRIME Credit Card is among the best Reward 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 RPs 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.
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 a complimentary Paytm First membership with benefits worth up to Rs. 75,000. Under its milestone benefits, you can earn gift vouchers that are worth up to Rs. 6,000 on the basis of achieving the annual spend targets. 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.
Top Basic SBI 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 RPs (equivalent to Rs. 500), the card earns you RPs 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 a 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.
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 RPs on all your spends (accelerated RPs on partner brands & online shopping). The card gives you an opportunity to earn gift vouchers that are worth up to Rs. 4,000 every year on achieving the annual targets. More of its benefits include a spend-based annual fee waiver, fuel surcharge waiver, etc.
SBI 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 RPs (equivalent to Rs. 1,500) as a welcome bonus, and you get RPs 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.
SBI Travel Credit Cards
Club Vistara SBI Card PRIME
Club Vistara SBI Card PRIME comes with exclusive travel benefits and earns you Rewards in the form of Club Vistara Points that can be redeemed against travel-related spending like flight/hotel bookings, etc. As a welcome gift, you get one 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 access to airport lounges along with a Priority Pass membership to make your travel experiences even better.
Etihad Guest SBI Premier Card
The Etihad Guest SBI Premier Credit Card is another fantastic travel card issued by the SBI. You can earn rewards in the form of Etihad Guest miles, and it welcomes you with 5,000 EG miles & 2 free WiFi vouchers. You can earn 1,500 additional bonus miles every year on reaching the milestone spend. You can also 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 coverage, etc.
Air India SBI Signature Card
The Air India SBI Signature Credit Card is yet another of the most influential 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 RPs with this card, and you can earn up to 1,00,000 additional bonus RPs every year under its milestone benefits. The RPs are easily redeemable against Air India Air Miles. The travel benefits of the card include complimentary airport lounge access every year.
SBI Health Credit Card
SBI Card Pulse
The SBI Pulse Credit Card is a recently launched credit card that is targeted at providing its customers with exclusive health benefits. The card comes with a yearly fee of Rs. 1,499 and the cardholders get complimentary FitPass pro and Netmeds memberships as a welcome benefit. It provides you with accelerated rewards not only on pharmacy and medical-related spends but also on movies and dining.
SBI Credit Cards Reward Points and Cashback Benefits
All the SBI Credit Cards reward you with reward points or cash back on all your spends. The reward rate of different credit cards might vary and can be different for different categories. The following table summarizes the reward rate of some of the best SBI Credit Cards:
| Credit Cards | Reward Points/Cashback |
| SBI Card ELITE |
|
| SBI Card PRIME |
|
| Paytm SBI Card SELECT |
|
| SimplySAVE SBI Credit Card |
|
| SimplyCLICK SBI Credit Card |
|
| BPCL SBI Card OCTANE |
|
| IRCTC SBI Card Premier |
|
| Club Vistara SBI Card PRIME |
|
| Etihad Guest SBI Premier Card |
|
| Air India SBI Signature Card |
|
| Cashback SBI Card |
|
How To Earn and Redeem SBI Credit Card Reward Points?
On the rewards credit cards offered by the State Bank of India, you can earn RPs on almost all your spends. But, be aware of the fact that most credit cards offer accelerated RPs on select categories and fewer points on other spends. So, if you want to earn maximum points, make sure that you get a card that provides accelerated reward points in the categories where you spend the most. Other than the regular rewards, you can also earn bonus RPs in the form of welcome benefits, milestone benefits, etc.
The RPs you earn using your SBI cards can be redeemed by logging in to the official website here. You can redeem your earned RPs against various categories, including flight/hotel bookings, shopping, gift cards/vouchers, gadgets, and various other products at a rate of 1 Reward point = Re. 0.25.
For the Club Vistara SBI Card, CV Points are automatically credited to the Club Vistara membership account within 15 days. And for the Air India SBI Signature Card, RPs are converted into Air India Air Miles within seven days of receiving your request. For the Etihad Guest SBI Premier Card, the Etihad Guest Miles can be redeemed at Etihadguest.com.
While redeeming your RPs, you should always keep in mind that there may be a reward redemption fee on your credit card, and hence make sure that the value of the RPs you are going to redeem is higher than the reward redemption fee. Moreover, make sure to redeem your earned RPs before they expire.
SBI Credit Cards Annual Fee
Different SBI credit Cards target different segments of individuals and hence come with different annual fees. The cards having higher annual fees are mostly the premium credit cards with world-class benefits, and the cards with a low annual fee are generally basic or entry-level credit cards that have fewer benefits. The annual fee of some of the top SBI Credit Cards is provided in the table below:
| Credit Card | Annual Fee | Renewal Fee Waiver Condition* |
| 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 |
| Cashback SBI Card | Rs. 999 | Rs. 2,00,000 or more |
*spend within card anniversary year
Other Fees and Charges
Apart from the annual fee, credit cards carry many other charges, including interest rate, cash advance fee, foreign currency markup fee, late payment fee, and many more. Some of the main fees and charges of SBI Credit Cards are given below:
| Interest Rate | 3.5% per month on all cards. |
| Cash Advance Charges | 2.5% of the withdrawn amount subject to a minimum of Rs. 300. |
| Foreign Currency Markup Fee | 1.99% on SBI Card Elite and 3.5% on all other cards. |
You can check more detailed fees and charges of SBI Credit Cards here.
SBI Credit Cards Eligibility Criteria
You will need to fulfil the following basic eligibility requirements to get approved for an SBI Credit Card.
- The salaried employees should be between 18 and 65 years of age.
- The age of self-employed individuals should be between 21 years and 60 years.
- Applicants should have a stable source of income (Salary requirements may differ on a card-to-card basis).
- The applicant should have a decent credit history.
You can find detailed information about SBI Credit Cards Eligibility Requirements here.
Documents Required:
The following are the documents that you need to apply for the SBI Credit Cards. You should have any one of the following identity proof, one address proof, and a proof of income.
- PAN Card
- Address Proof: 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.
- Income Proof: For salaried employees – salary slip of latest months., For self-employed individuals – Later ITR (Income Tax Return) / Form 16.
How To Apply Online For SBI Credit Cards?
There are a lot of ways to apply for SBI credit cards. You can choose online/offline as per your comfort and proceed further with your application. If you want to apply offline, you can simply visit your closest branch and fill in the physical application form. To apply online for SBI Cards, follow a few simple steps as mentioned below:
- Visit the SBI Card’s official website,
- Click on ‘Apply.’
- Choose the credit card you want to apply for and click on ‘Apply Now.’
- Fill in the online application form, check your details, and submit.
You can also contact the State Bank of India Credit Cards helpline number 39 02 02 02(with the STD code of your city) if you need any assistance in order to apply online or offline for SBI credit cards. Also, make sure to check the eligibility criteria and credit score required to apply for an SBI Credit Card.
SBI Credit Card Application Status:
If you have applied for an SBI credit card, then you can track your application status at SBI track-retrieve-form by entering your application number. Also, you can contact SBI credit card customer care to get all the information related to your card’s application status.
To learn more about how to check your SBI Card application status, click here.
How To Activate SBI Credit Card?
You can use several online as well as offline methods to activate your new SBI Credit Card. The following points will help you to understand the same:
- You can easily activate your SBI Credit Card via an SBI ATM. Just visit the ATM and click on the option ‘Create PIN Using OTP’ on the screen. Enter the OTP that you have received on your registered mobile number and activate your card.
- Also, activate an SBI Credit Card using internet banking. Log in to your Internet banking account and go to the ‘Manage PIN’ section under the ‘My Account’ tab.
- You can also activate your SBI Credit Card easily by chatting with the SBI Card chatbot ILA. Just visit the SBI Card’s official website, click on the ‘Ask Ila’ option and type ‘How to generate PIN for my credit card.’ You will be asked to enter a few details, and then you can activate your card easily.
- You can also contact the SBI Credit Card customer care and ask the bank executive to assist you in activating your credit card. They will ask you for a few details and will surely assist you with the same.
SBI Credit Cards Login/Netbanking
To avail of internet banking services on your SBI Credit Card, you will have to register your card for the same. Just follow a few simple steps as mentioned below:
- Visit the SBI Card’s official website.
- Click on ‘New User? Register Now’ option.
- Enter your credit card details and proceed.
- Set your username and password and confirm.
For more detailed steps to register/log to your SBI Card internet banking account, click here.
SBI Credit Card Customer Care
The SBI Credit Cardholders can contact customer care in case of any doubts/queries using the following contact details:
- You can contact SBI Card customer care via this 24*7 helpline number: 1800 180 1290.
- The customers can also contact bank officials via email from the SBI Card’s official website or through their internet banking account.
Read more about SBI Credit Card customer care.
How To Compare and Choose The Best SBI Cards?
As discussed earlier, different SBI Cards come with different offers and benefits in several categories. Some basic credit cards are solely aimed at helping individuals build their credit score and save more on their spends. Other premium credit cards are for individuals who already have a good credit score and who want a card to make their lifestyle extra luxurious. The first step that you need to follow before applying for a credit card is to analyze your spending behaviour. You should understand the reason why you need a credit card and then note down all the categories that make up most of your monthly spends. After ensuring the type of credit card you want, compare SBI Credit Cards on the basis of their features and fees & charges. The comparison should be done wisely so that you can make the right choice. The process may be lengthy and might need some calculation, but in the end, only you will be able to get the most out of your credit card.
SBI Lifetime Free Credit Cards
As of now, the State Bank of India doesn’t issue any credit card that is really lifetime-free, but a lot of basic & pocket-friendly cards are offered by the card issuer. Following are the two most affordable SBI credit cards:
SBI SimplyCLICK Credit Card
An entry-level offering by SBI Bank, the SimplyCLICK credit card comes at an affordable joining fee of Rs. 499 plus taxes. Those who love online shopping can earn up to 10x reward points at Cleartrip, Lenskart, Dineout, Netmeds, Apollo 24×7, BookMyShow, Amazon, and other popular merchants. Also, you get gift vouchers as a welcome benefit on reaching certain spend-based milestones.
- 500 worth of Amazon gift vouchers as a welcome benefit
- Cleartrip vouchers worth Rs. 2000 on reaching annual spends of Rs. 1 Lakh and Rs. 2 Lakh
- Up to 10x reward points on online spends at BookMyShow, Cleartrip, Amazon, and more
- Up to 5x reward points on other online spends
- 1 reward points per Rs. 100 on offline spends, except fuel
- Renewal fee waiver on spending Rs. 1 Lakh or more in the year
- 1% fuel surcharge waiver
IRCTC RuPay SBI Credit Card
This is a co-branded credit card by SBI and IRCTC offering some great rewards and benefits to cardholders. At a nominal joining fee of Rs. 500, it is perfect for those who regularly travel through railways. You earn one reward point per Rs. 125 on retail spends and train ticket bookings through the IRCTC website. For frequent travellers, the card offers four complimentary railway lounge access and accommodation at over 5,000 hotels across India.
- 350 Bonus reward points on making a transaction over Rs. 500 inside 45 days of getting the card
- 1 reward point per Rs. 125 on retail and ticket bookings through IRCTC website or application
- Get 10% back as reward points on purchasing AC1, AC2, and AC3 train tickets through IRCTC website
- 4 complimentary railway lounge access per year
- Accommodation at over 5000 hotels across India
Best SBI Credit Cards For Cashback
Paytm SBI Card Select
The Paytm SBI Card Select is a co-branded credit card issued by SBI in collaboration with the digital payment services company, Paytm. It is a cashback credit card and comes with several exclusive privileges, including airport lounge access, welcome benefits, complimentary Priority Pass membership, etc. Here are some of its key features:
- Complimentary Paytm First membership.
- Rs. 750 cashback in Paytm wallet as a welcome benefit.
- 5% cashback on movies, travel, and Paytm mall spends on the Paytm app.
- 2% cashback on other spends on the Paytm app.
- 1% cashback on all other spends.
- Complimentary domestic lounge access every quarter.
- Complimentary priority pass membership for the first two years.
Cashback SBI Card
A newly launched offering by the bank, the Cashback SBI Card has a joining fee of Rs. 999 and offers you decent cashback on almost every transaction made by you. You can earn up to 5% cashback online as well as 1% cashback on utility bills and offline payments. Not only this, you even get a 1% fuel surcharge waiver and can get the renewal fee waived on spending Rs. 2 Lakhs or above in the card anniversary year.
- 5% cashback on online payments
- 1% cashback on utility bills and offline payments
- Renewal fee waiver on spending Rs. 2 Lakhs or more in the previous year
- 1% fuel surcharge waiver
- Cashback is automatically credited to your card statement next month
Paytm SBI Card
Paytm SBI Card is a basic version of Paytm SBI Card Select. It comes with an annual fee of Rs. 500 and welcomes you with a complimentary Paytm First membership that is worth Rs. 899. Best suited for Paytm users, the card is one of the best choices for people who want to have a cashback credit card with a low annual fee and maximum saving benefits. Following are some of its main features:
- Complimentary Paytm First membership.
- Up to 3% cashback on all spends on the Paytm app.
- 1% cashback on all other spends.
- 1% waiver on fuel surcharge at all fuel pumps.
Complimentary Airport Lounge Access With SBI Credit Cards
When it comes to travel benefits provided by credit cards, complimentary airport lounge access is something that attracts customers the most. This is because they can visit the comfortable airport lounges for free and avail of all the facilities that are available there. In general, you have to buy an annual membership to access airport lounges and pay the usage fee every time you visit the lounge.
But, if you have a credit card providing complimentary access to airport lounges, you can enter the lounge without paying any such charges. SBI Card offers many credit cards with complimentary airport lounge access at domestic as well as international airports. Some of the top cards, like SBI Card Elite, come with unlimited airport lounge access, while other cards provide a limited number of complimentary lounge visits.
FAQs:
- 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.
- Four of the above 10 cards provide international airport lounge access, which are as follows:SBI Card ELITE: 6 complimentary access to international lounges 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).
Some of the best SBI Cards for shopping are as follows:
- SBI SimplySave Credit Card.
- LifeStyle Home Centre SBI Credit Card.
- Max SBI Card Select.
Yes, international transactions can be done with SBI Cards and 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 it, you get a cashback of Rs. 750 as a welcome gift and up to 5% cashback on all your spendings.
Best SBI Credit Cards for salaried individuals are:
- SBI SimplySAVE Credit Card.
- SBI SimplyCLICK Credit Card.
- Paytm SBI Card.
Yes, the SBI credit cards can be used to withdraw money with a cash advance fee of 2.5% of the amount withdrawn or Rs. 500 (whichever is higher).
- Yes, to apply online for SBI Credit Cards with your mobile phone, you can either call at 39 02 02 02 or you can apply on SBI Official Website as follows:Click on ‘Apply.’Choose the credit card you want to apply for.Fill in the application form.
The best SBI Credit Card for beginners is SBI Unnati Credit Card as it is given against a fixed deposit and can be issued to the people who don't even have a credit score.
In the premium category, the most popular SBI Credit Card is SBI Card ELITE and in the basic category, it is SBI SimplySAVE Credit Card & SimplyCLICK Credit Card.