SBI Credit Cards

SBI Credit Cards 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 surely be provided with one or more of the benefits that are mentioned below:

• Welcome Benefits – On joining the card membership, you get 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 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 cardholder 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. There are some cards that 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 travelers.
• 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.

Popular SBI Credit Cards

In total SBI has 72 cards in its portfolio, which range from basic to super-premium categories. Out of all these cards, the 10 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 transactions 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 off 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 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 offer 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 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 acheiving 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 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 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 on achieving the annual targets. More of its benefits include 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 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 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 amazing 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 cover, etc.

Air India SBI Signature Card

The Air India SBI Signature Credit Card is yet another 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 an 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 rewards 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 Top SBI Credit Cards:

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 earn maximum points, make sure that you get a card that provides accelerated rewards points on 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 Club Vistara membership account within 15 days. And for the Air India SBI Signature Card, RPs 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.

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 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 are targets 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:

*spend within an 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:

You can check more detailed fees and charges of SBI Credit Cards here.

SBI Credit Cards Eligibility Criteria

You will need to fulfill 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 as identity proof, one address proof, and a proof of income.

• Identity Proof: PAN Card, Voter ID, Passport, Aadhar Card, Driving Licence, etc.
• 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 the 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 few simple steps as mentioned below:

• Visit the SBI Card’s official website,  https://www.sbicard.com/.
• 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 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 https://www.sbicard.com/en/eapply.page#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 know 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 internet banking account and got 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 activate 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.

More more detailed steps to register/login to your SBI Card internet banking account, click here.

SBI Credit Card Customer Care

The SBI Credit Cardholders can contact the customer care in case of any doubts/queries using the following contact details:

• You can contact SBI Card customer care via call on this 24*7 helpline number: 1800 180 1290.
• The customers can also contact the 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. There are some basic credit cards that are solely aimed at helping individuals build their credit score and save more on their spends. While other premium credit cards are for individuals who are already having 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 behavior. You should understand the reason why you need a credit card and then note down all the categories that make 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 and on reaching certain spend-based milestones.

• 500 worth Amazon gift vouchers as 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 1 reward point per Rs. 125 on retail spends and train ticket bookings through the IRCTC website. For frequent travellers, the card offers 4 complimentary railway lounge access and accommodation at over 5000 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 on 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 on 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 off on spending Rs. 2 Lakhs or above in the card anniversary year.

• 5% cashback on online payments
• 1% cashback on utility bill 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 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. It 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 at 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.

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