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Reward Points
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.
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.
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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:
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:
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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 Card | Reward Points / Cashback |
SBI Card ELITE |
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SBI Card PRIME |
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Paytm SBI Card SELECT |
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SimplySAVE SBI Credit Card |
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SimplyCLICK SBI Credit Card |
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BPCL SBI Card OCTANE |
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IRCTC SBI Card Premier |
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Club Vistara SBI Card PRIME |
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Etihad Guest SBI Premier Card |
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Air India SBI Signature Card |
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Cashback SBI Card |
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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.
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
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.
You will need to fulfil the following basic eligibility requirements to get approved for an SBI Credit Card.
You can find detailed information about SBI Credit Cards Eligibility Requirements here.
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.
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:
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.
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.
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:
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:
For more detailed steps to register/log to your SBI Card internet banking account, click here.
The SBI Credit Cardholders can contact customer care in case of any doubts/queries using the following contact details:
Read more about SBI Credit Card customer care.
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.
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:
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.
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.
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:
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.
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:
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.