By Ankur Mittal
Updated On September 26, 2022

The Credit card issuing institution, SBI Cards, and Payment Services Limited, was launched by the largest public section 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 1.2 crore individuals and hence SBI Card has become the second-largest card issuer in the country, HDFC Bank being the largest. The SBI Card headquarters are situated in Gurugram, Haryana, and the card issuer has its 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 got many business-related awards, including the ‘Most Trusted Brand Gold Award’ and a lot more.

sbi credit cards

A lot of individuals want to have an SBI Credit Card but are not aware of all the offerings by the company. From the basic to the super-premium category, SBI Card issues more than 70 credit cards with different exciting privileges and benefits. This article will help you understand all the cards offered by SBI, their features, and why you should have one.

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.

Table of Contents

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.

Rewards Rate

2 Reward Points on every Rs. 100 you spend on retail purchases, 5X Reward Points on dining spends, departmental stores, and grocery purchases (reward rate of 2.5%)

Joining Fees

Rs. 4,999 (plus taxes)

Invite Only
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%)

Joining Fees

Rs. 10,000 (plus applicable taxes)

Welcome Benefits

Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.

Rewards Rate

10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail.

Joining Fees

Rs. 2,999 (plus applicable taxes)

Welcome Benefits

NA

Rewards Rate

5% cashback for every online transaction and 1% cashback on other offline transactions and utility bill payments

Joining Fees

Nil

Welcome Benefits

Get an Amazon e-voucher worth Rs. 500 as welcome benefits after paying the annual fees.

Rewards Rate

1 Reward Point every Rs. 100 spent on offline spends (reward rate is 0.25%), 10X RPs on online spends at partner merchants (Amazon, BookMyShow, Apollo24x7, etc.) (reward rate is 2.5%), 5X RPs on other online spends (reward rate = 1.25%)

Joining Fees

Rs. 499 + GST

SBI SimplySAVE Credit Card

Welcome Benefits

2,000 Reward points (worth Rs. 500) on spending Rs. 2,000 or more in first 60 days of card set-up.

Rewards Rate

1 Reward Point for Rs. 100 spent (reward rate = 0.25%), 10X RPs for spends made in movies, grocery, dining, & departmental stores (reward rate = 2.5%)

Joining Fees

Rs. 499 (plus applicable taxes)

SBI Card PULSE

(4.5/5)
sbi card pulse credit card

Welcome Benefits

A Noise ColorFit Pulse Smart Watch worth Rs. 5,000, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.

Rewards Rate

10 Reward Points per Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs per Rs. 100 spent elsewhere.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

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

Rewards Rate

25 reward points for every Rs. 100 spends at BPCL fuel stations (reward rate = 6.25%), 10 RPs for every Rs. 100 spends on groceries, departmental stores, and movie ticket purchases (reward rate = 2.5%), and 1 reward point for every Rs. 100 spent for all other expenditures (reward rate = 0.25%) except mobile wallet uploads and fuel purchases at non-BPCL stations.

Joining Fees

Rs. 1,499 (plus applicable taxes)

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).

Rewards Rate

1 Reward Point per Rs. 100 (reward rate = 0.25%), 5x RPs on dining, movies, departmental stores, and groceries (reward rate = 1.25%), 13X RPs at BPCL pumps (reward rate = 3.25%)

Joining Fees

Rs. 499 (plus applicable taxes)

Air India SBI Signature credit card

Welcome Benefits

You will get 20,000 reward points in the form of a welcome benefit.

Rewards Rate

30 RP for every Rs. 100 spent on tickets booked for self and 10 RPs for every Rs. 100 spent on tickets booked for others through airindia.com and 10 RPs for every Rs. 100 spent on tickets booked for self and others through Air India Booking office or call centers

Joining Fees

Rs. 4,999 (plus applicable taxes)

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 for every spend, including fuel transactions.

Joining Fees

Rs. 2,999 (plus applicable taxes)

Air India SBI Platinum Credit Card

Welcome Benefits

5,000 reward points after paying the joining fee (credited within 15 days from the date of payment)

Rewards Rate

15 reward points for every Rs. 100 spent on Air India ticket bookings for self on airindia.com, 5 RPs for every Rs. 100 spent on Air India ticket bookings for others on airindia.com and 5 RPs for every Rs. 100 spent on Air India ticket bookings for self or others via Air India call centers or booking offices, Get 2 Reward points per Rs. 100 you spend.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

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

Rewards Rate

3 CV (Club Vistara) Points per Rs 200 you spend.

Joining Fees

Rs 1,499 (plus applicable taxes)

Etihad Guest SBI Premier Card

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,

Rewards Rate

6 Etihad Guest Miles per Rs. 100 you spend on Etihad.com, 4 Etihad Guest Miles on every Rs. 100 you spend on international purchases, and 2 Etihad Guest Miles for every other spend (except fuel purchases). A max of 40,000 Miles per year can be earned.

Joining Fees

Rs. 4,999 (plus applicable taxes)

Etihad Guest SBI Card

Welcome Benefits

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

Rewards Rate

3 Etihad Guest Miles per Rs. 100 you spend on Etihad.com, 2 Etihad Guest Miles per Rs. 100 you spend on International transactions, 1 Etihad Guest Mile on other Rs. 100 spends.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

1,500 Reward Points

Rewards Rate

For every Rs. 125 spent on dining and standing instructions related to utility spends, you will get 3 Reward Points, and 1 Reward Points on every Rs. 125 you spend on other non-fuel retail purchases

Joining Fees

Rs. 1,499

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

Joining Fees

Rs 500 plus applicable taxes

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.

Joining Fees

Rs. 500 (plus applicable taxes)

Welcome Benefits

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

Rewards Rate

6 Reward Points per Rs. 100 spent on Movies, Groceries, Entertainment, Departmental Stores, Dining
1 Reward Point per Rs. 100 on all other spenings.

Joining Fees

Rs 499/- plus applicable taxes

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.

Joining Fees

Rs 1,499 plus GST

Paytm SBI Card

(3.9/5)

Welcome Benefits

Complimentary membership to Paytm First 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.

Joining Fees

Rs 499 + GST

Welcome Benefits

6000 Rewards Points on card issuance.

Rewards Rate

Get 20X Reward Points for every Rs. 100 you spend on Aditya Birla Stores 10X Reward Points for every Rs. 100 on Entertainment, Dining, and Hotels and 2X Reward Point per Rs. 200 spent on other categories.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

Activation bonus of 2,000 Rewards Points.

Rewards Rate

10 RP for every Rs. 100 spent on Aditya Birla Stores, 5 Reward Points for every Rs. 100 spent on Dining, Entertainment, and Hotels and 1 Reward Point for every Rs. 200 spent on other categories.

Joining Fees

Rs. 499 (plus applicable taxes)

Welcome Benefits

Complementary access to Connoisseur, Nature’s Basket loyalty program and Nature’s Basket Gift Voucher worth Rs. 5,000.

Rewards Rate

20 Reward Points on every Rs. 100 spent at Nature’s Basket. 10 Reward Points on every Rs. 100 spent at Dining, movie, entertainment and international spends. 2 Reward Points on every Rs. 100 spent on all other retail purchases.

Joining Fees

Rs. 4,999 (plus applicable taxes)

Welcome Benefits

Gift voucher worth Rs. 1,500 from Nature’s Basket and complimentary access to ‘Epicure’ Nature’s Basket Loyalty Program

Rewards Rate

2x Reward Points on Nature’s Basket, 5 Reward Points on dining, movies, entertainment, and international spends, 1 Reward Point on every Rs. 100 spent on all other spends.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Welcome Benefits

Get a complimentary travel gift voucher from Yatra.com worth Rs. 1500. Voucher will be redeemed online at the time of purchase.

Rewards Rate

1 Reward Point per Rs. 100 spent with a reward rate of 0.25% and 5 Reward Points per Rs. 100 spent on medical supplies, travel bookings and international spends with a reward rate of 1.25% and 5 reward points  on all spends on Doctor’s Day.

Joining Fees

Rs. 1,499 (plus taxes applicable)

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

Joining Fees

Rs 500 + GST

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.

Joining Fees

₹ 499

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.

Joining Fees

Nil

Welcome Benefits

NA

Rewards Rate

1 reward point per Rs 100 you spend

Joining Fees

Nil

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

Joining Fees

3,000 + GST

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 RPs per Rs. 100 spent on dining, movies and entertainment, 2 RPs per Rs. 100 spent on all international spends, 2 RPs per Rs. 200 on all other spends.

Joining Fees

Rs. 1,499 (plus applicable taxes)

FABINDIA SBI CARD

Welcome Benefits

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

Rewards Rate

5 RPs per Rs. 100 spent on Fabindia stores, 2 RPs 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.

Joining Fees

Rs. 499

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.

Rewards Rate

5 Reward Points on every Rs. 100 spent at Online & Retail Landmark Stores (Lifestyle, Home Centre, Max and Spar) Dining & Movies. Earn 1 Reward point Rs. 100 spent on other retail purchases (except Fuel).

Joining Fees

Rs. 499 plus applicable taxes

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.

Joining Fees

Rs. 2,999 with applicable taxes

Welcome Benefits

500 Reward Points and complimentary Apollo Gold Tier Membership

Rewards Rate

3x Reward Points on Apollo Services, 2x Reward Points on dining, movies, and entertainment, 1 Reward Point on every Rs. 100 spent on all other spends.

Joining Fees

Rs. 499 (plus applicable taxes)

Shaurya SBI Credit Card

Welcome Benefits

1,000 bonus Reward Points

Rewards Rate

1 Reward Points on every spend of Rs. 100 and 5x Reward Points on groceries, dining, CSD, movies, departmental stores, etc.

Joining Fees

Rs. 250

Shaurya Select SBI Credit Card

Welcome Benefits

NA

Rewards Rate

2 Reward Points on every spend of Rs. 100, 5x Reward Points on dining, groceries, departmental stores, and movies.

Joining Fees

Nil

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.

Joining Fees

Rs 1,499 plus applicable taxes

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 71 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

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:

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.

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:

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

*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:

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 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 Unnati Credit Card – The SBI Unnati Credit Card has a zero joining fee and no annual fee for the first four years. After that, a nominal annual fee of Rs. 499 is charged. This card is a secured credit card, i.e, it is issued against a fixed deposit and no credit score is required in order to get this card. Some of the most exclusive benefits of this credit card are mentioned below:

  • 1 Reward Point for spends of Rs. 100.
  • Get a cashback of Rs. 500 on spending above Rs. 50,000 within a year.
  • 1% fuel surcharge waiver applicable on all fuel transactions.

Ola Money SBI Credit Card – This Ola Money SBI Credit Card has a zero joining fee. However, an annual fee of Rs. 499 is charged on this card, which is worth it as the card provides you with various exciting benefits. It is a co-branded credit card that is issued by SBI Card in partnership with Ola and hence is best suited for individuals who frequently avail ola rides. Following are some most exclusive advantages of this card:

  • 7% value back on Ola Rides.
  • 1% value back on all other spends.
  • Up to 10% cashback on flight/hotel bookings.
  • Spend-based annual fee waiver.

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.

Ola Money SBI Credit Card – As discussed earlier, the Ola Money SBI Card is a co-branded credit card offered by SBI Card. It is not really a cashback credit card but can be considered as one because 1 Reward Point that you earn using this card is equivalent to Re. 1. The cashback you earn is directly added to your Ola money wallet and hence you can use it to pay for Ola rides.

SBI Tata Platinum Credit Card – As suggested by its name, the SBI Tata Platinum Credit is a co-branded credit card that comes with an annual fee of Rs. 3,000 & a host of exciting privileges. It earns you RPs in the form of Empower points, where 1 Empower Point = Re. 1 for redemption against TATA merchant outlets. Following are the key features of this credit card:

  • Gift vouchers worth Rs. 3,000 as a welcome gift.
  • Upto 3 Empower points on every Rs. 100 you spend.
  • Complimentary access to domestic airport lounges every year.
  • Gift vouchers worth Rs. 3,00 every year under the milestone benefits.

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.

Quick Links

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 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).

  1. 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 https://www.sbicard.com/ 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.

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