By Ankur Mittal
Updated On January 10, 2022

The Credit card issuing company, 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 customers with the best credit card services. SBI Credit Cards have been issued to more than 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.

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.

sbi credit cards

Why SBI Credit Card?

The SBI Card functions under the State Bank of India, which is the largest and one of the most – trusted financial institutions in India, and hence it becomes quite easy for individuals to trust the card issuer more than others. Moreover, it offers a wide range of cards from entry-level to premium and super-premium, so the customers have a lot of options to choose from. Everyone can definitely find an SBI credit card that best fits their needs. Low-income individuals often find it difficult to find a credit card with a low annual fee and exciting benefits, but SBI Card issues a lot of basic cards with great features. Moreover, like every other major card issuer, SBI Card provides various facilities like internet banking, mobile banking, etc to its customers in order to make credit card-related tasks, like bill payment, managing transactions, etc.

The SBI Credit Cards provides you with benefits in all the categories, including travel, dining, movies, shopping, golf, insurance, fuel, and many more. So, it becomes convenient for the customers to choose an SBI Card according to their spending habits and requirements. In short, we can say that the biggest reason why you should go with an SBI Credit Card is that it earns you maximum benefits with minimum fees & charges as compared to other credit card issuers in the Indian market.

List Of Best SBI Credit Cards in India

SBI Card issues a large number of credit cards and hence 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 are here with the list of all the SBI Credit Cards in India. We have also filtered out some of the Top SBI Credit Cards later in this article. Keep reading to know more about all the cards offered by SBI Card so that you can compare them on the basis of your needs and apply online wisely.

Welcome Benefits

E gift voucher worth Rs. 5,000 from any one of  Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.

Rewards Rate

2 Reward Points on every Rs. 100 on all spending except fuel (reward rate of 0.5%), 5X Reward Points on dining, departmental stores, and grocery spends (reward rate of 2.5%)

Best Suited For

Movies | Travel | Shopping |

Movie & Dining

Get free movie tickets every month (max benefit capped at Rs. 6,000 per year and Rs. 250 per ticket, offer valid for at least 2 tickets per bookings per month), dining offers with up to 25% discount at partner restaurants (with American Express variant only)

Reward Redemption

Reward Points redeemable for gift vouchers on sbicard.com or SBI mobile app or for paying the card’s outstanding balance, 1 Reward Point = Rs. 0.25

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 Reward Points on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery, and departmental stores.
  • Up to 50,000 Bonus Reward Points worth Rs. 12,500 every year on achieving the stipulated spend-based milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 complimentary domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card.
  • A lower foreign currency mark-up fee of 1.99% of the transaction amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).

See additional details for SBI ELITE Credit Card

SBI AURUM Credit Card

Invite Only

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Movies | Travel | Dining | Shopping |

Movie & Dining

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

Reward Redemption

Reward Points are redeemable for gift vouchers, hotel reservations, flight tickets, etc. on dedicated AURUM Rewards portal

Joining Fees

Rs. 10,000 (plus applicable taxes)

Product Details

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

See additional details for SBI AURUM Credit Card

Welcome Benefits

Gift voucher worth Rs. 3,000 from any one of Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com

Rewards Rate

10 Reward Points per Rs. 100 on dining, groceries, departmental stores and movie spends, 2 RPs per Rs. 100 on all other retail spends

Best Suited For

Travel | Shopping |

Movie & Dining

5X Reward Points (10 Reward Points) on dining and movie spends, dining offers with up to 25% discount at partner restaurants (with American Express variant only)

Reward Redemption

Reward Points redeemable for gift vouchers on sbicard.com or SBI mobile app or for paying the card’s outstanding balance, 1 Reward Point = Rs. 0.25

Joining Fees

Rs. 2,999 (plus applicable taxes)

Product Details

  • Gift voucher worth Rs. 3,000 as a welcome gift on card issuance.
  • 10 Reward Points on every spend of Rs. 100 on dining, movies, groceries and departmental store spends.
  • 2 Reward Points per Rs. 100 on all other retail spends with the card.
  • E-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on spending Rs. 5 lakh in a year.
  • A Pizza Hut e-voucher worth Rs. 1,000 on spending Rs. 50,000 in a calendar quarter.
  • Renewal fee waived off on an expenditure of Rs. 3 lakhs or more in the previous year.
  • 4 complimentary international airport lounge access every year (max 2 per quarter).
  • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
  • Complimentary Club Vistara Silver Membership.
  • Complimentary Trident Privilege Red Tier Membership.
  • 20 Reward points per Rs. 100 spent on birthday (max cap of 2,000 Reward Points on birthday spends).

See additional details for SBI Prime 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 on every Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs on every Rs. 100 spent elsewhere.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

The Reward points can be redeemed against a host of options on the Rewards catalogue or against statement balance at a rate of 1 RP = Re. 0.25.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • Complimentary Noise ColorFit Pulse Smart Watch as a welcome gift.
  • Complimentary FitPass Pro membership.
  • Complimentary Netmeds First membership.
  • 10 Reward Points on every health-related spend of Rs. 100 & on movies & dining.
  • 2 Reward Points on every other spend of Rs. 100.
  • Complimentary Priority Pass membership for the first two years.
  • Complimentary airport lounge access at selected Indian airports.
  • Get e-gift vouchers worth Rs. 1,500 every year on achieving the milestone spend.
  • Spend-based waiver of the renewal membership fee.
  • Air accident insurance coverage worth Rs. 50 lakhs.

See additional details for SBI Card PULSE

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

Reward Points redeemable for gift vouchers on sbicard.com or SBI mobile app or for paying the card’s outstanding balance, 1 Reward Point = Rs. 0.25

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • Amazon gift voucher worth Rs. 500 as a welcome benefit.
  • E-voucher from ClearTrip worth Rs 2,000 on annual spends of Rs 1,00,000 and Rs 2,00,000 each.
  • 10X Reward Points on online spendings at partner merchants including popular websites like Amazon, BookMyShow, Apollo24x7, etc.
  • 5X Reward Points on all other online spends using your SBI SimplyClick Credit Card.
  • 1 Reward Point per Rs. 100 on all offline spends except fuel.
  • Annual fee waiver of Rs. 499 on the annual spending of Rs 1,00,000.
  • 1% fuel surcharge waived off for transactions between Rs. 500 and Rs. 3,000 (max waiver of Rs. 100 per month).

See additional details for SBI SimplyCLICK Credit Card

SBI SimplySAVE Credit Card

Welcome Benefits

2,000 Reward points on expenditure of Rs. 2,000 within 60 days of card issuance

Rewards Rate

1 Reward Point per Rs. 100 spent (reward rate = 0.25%), 10X RPs on grocery, dining, movies, and departmental store spends (reward rate = 2.5%)

Best Suited For

Shopping |

Movie & Dining

10X Reward Points on movie and dining spends

Reward Redemption

Reward Points redeemable for gift vouchers on sbicard.com or SBI mobile app or for paying the card’s outstanding balance, 1 Reward Point = Rs. 0.25

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • 2,000 Reward Points worth Rs. 500 as a welcome gift on spending Rs. 2,000 within 60 days of card issuance.
  • 1 Reward Point per Rs. 100 spent with the card.
  • 10X Reward Points (10 Points per Rs. 100) on spends on dining, movies, departmental stores and grocery categories.
  • Annual renewal fee reversed on expenditure of minimum Rs. 1 lakh in the preceding year.
  • 1% fuel surcharge waived off at all filling stations across India for transactions between Rs. 500 and Rs. 3,000 (max waiver capped at Rs. 100 per month).

See additional details for SBI SimplySAVE Credit Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Fuel |

Movie & Dining

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

Reward Redemption

Reward points redeemable against gift vouchers on sbicard.com or on SBI mobile app, for purchases at BPCL petrol stations and against cash (card’s statement balance). 4 reward points = Re. 1.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • 6,000 Bonus reward points as a welcome benefit on realization of the annual membership fee.
  • 25 reward points per Rs. 100 on fuel purchases at BPCL refill stations (maximum 2,500 reward points per month).
  • 10 reward points on every Rs. 100 spent on groceries, departmental stores and movie ticket purchases (maximum 7,500 reward points per month).
  • 1 reward point for every Rs. 100 spent on all other retail purchases, except mobile wallet uploads and expenditures on non-BPCL fuel stations.
  • 1% fuel surcharge waived on all petrol stations across India (on transactions up to Rs. 4,000, with maximum amount waived capped at Rs. 100 per statement cycle).
  • 4 complimentary domestic lounge access every year (1 per quarter).
  • Gift Vouchers worth Rs 2,000 from Aditya Birla Fashion or Yatra or Urban Ladder or Hush Puppies or Bata on annual expenditure of Rs. 3,00,000 or above.
  • Renewal fee waived off if Rs. 2,00,000 were spent in the previous year.

See additional details for BPCL SBI Card Octane

Welcome Benefits

2,000 Bonus Reward Points and BookMyShow voucher worth Rs. 250

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%)

Best Suited For

Fuel |

Movie & Dining

BookMyShow voucher worth Rs. 250 as a welcome gift, 5X Reward Points on movie and dining spends

Reward Redemption

Reward Points redeemable against gift vouchers on sbicard.com or on SBI mobile app, for purchases at BPCL petrol stations and against cash (card’s statement balance). 4 Reward Points = Re. 1.

Joining Fees

Rs. 499 (plus applicable taxes)

Product Details

  • BookMyShow voucher worth Rs. 250 and 2,000 Bonus Reward Points as a welcome gift on payment of the joining fee.
  • 1 Reward Point per Rs. 100 spent with the card.
  • 5X Reward Points on departmental stores, groceries, dining, and movie spends.
  • 13X Reward Points on fuel spends at BPCL filling stations.
  • 1% fuel surcharge waived off at all filling stations across India for transactions up to Rs. 2,000 (max waiver capped at Rs. 100 per month).
  • Annual renewal fee waived off on expenditure of Rs. 50,000 in the preceding year.

See additional details for BPCL SBI Credit Card

Air India SBI Platinum Credit Card

Welcome Benefits

5,000 reward points on payment of the joining fee

Rewards Rate

15 reward points per Rs. 100 on Air India ticket bookings for self on airindia.com, 5 RPs per Rs. 100 on Air India ticket bookings for others on airindia.com and 5 RPs per Rs. 100 on Air India ticket bookings for self or others via Air India call centers or booking offices.

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

Reward points earned can be converted into Air India Air Miles. 1 Reward point = 1 AirMile

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

  • 5,000 reward points as a welcome gift on payment of the joining fee.
  • 2,000 reward points as anniversary gift every year the card membership is renewed.
  • Up to 15,000 bonus reward points every year on achieving the stipulated spend milestones.
  • 15 reward points per Rs. 100 on Air India ticket bookings for self on airindia.com.
  • 5 reward points per Rs. 100 on Air India ticket bookings for others on airindia.com.
  • 5 reward points per Rs. 100 on Air India ticket bookings for self or others via Air India call centers or booking offices.
  • 2 complimentary domestic airport lounge access per quarter.
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card to the bank.
  • 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000 (max waiver capped at Rs. 250).

See additional details for Air India SBI Platinum Credit Card

Air India SBI Signature credit card

Welcome Benefits

20,000 reward points worth Rs. 5,000

Rewards Rate

30 reward points per Rs. 100 on tickets booked for self and 10 RPs per Rs. 100 on tickets booked for others through airindia.com and 10 RPs per Rs. 100 on tickets booked for self and others through Air India Booking office or call centers

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

Reward points earned can be converted into Air India Air Miles. 1 Reward point = 1 AirMile

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

  • 20,000 bonus reward points as a welcome gift on payment of the joining fee.
  • Complimentary membership of the Air India Frequent Flyer program- Flying Returns.
  • Up to 1,00,000 bonus reward points annually on achieving the stipulated spends milestones.
  • 4 reward points on every Rs. 100 spent with the card on retail purchases.
  • 30 reward points per Rs. 100 on booking Air India tickets for self through airindia.com or Air India mobile app.
  • 10 reward points per Rs. 100 on booking Air India tickets for self or others through Air India booking office or Air India call centers.
  • Complimentary Priority Pass membership (lounge visits chargeable).
  • 8 complimentary domestic airport lounge visits every year (max 2 per quarter) through the Visa lounge access program.
  • Complimentary lost card liability cover worth Rs. 1 lakh.

See additional details for Air India SBI Signature Credit Card

Club Vistara SBI Card Prime

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

Club Vistara Points can be redeemed for booking award flights, class upgrades, or against any seat reservation under the Vistara Cash + Points program (1 CV Point = Rs. 0.2)

Joining Fees

Rs. 2,999 (plus applicable taxes)

Product Details

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

See additional details for Club Vistara SBI Card PRIME

Welcome Benefits

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

Rewards Rate

3 CV (Club Vistara) Points for Rs 200 spent

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

Reward Points directly transferred to Club Vistara account.  You can redeem the accumulated CV Points for flights on Air Vistara and partner airlines.

Joining Fees

Rs 1,499 (plus applicable taxes)

Product Details

  • Get 1 complimentary economy class air ticket as an e-gift voucher as a welcome benefit.
  • 1,000 Bonus Club Vistara Points on the spending of Rs 50,000 within the first 90 days.
  • E-voucher from Yatra worth Rs. 5,000 on annual spending of Rs 5 lakh.
  • 3 Club Vistara Points for every Rs 200 spent on every transaction.
  • Get 1 complimentary economy class air ticket on each annual spending of Rs 1.5 lakh, 2.5 lakh, 5 lakh.
  •  4 complimentary domestic lounge visits every year.
  • Complimentary membership to the Priority Pass lounge access program.
  • Comprehensive travel

See additional details for Club Vistara SBI Card

Etihad Guest SBI Premier Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

The Etihad Guest Miles earned redeemable for booking flights, hotels and renting cars from participating travel partners, and for purchasing products from etihadguest.com or its travel partner services. Etihad Miles can also be used to pay for purchases made using the credit card.

Joining Fees

Rs. 4,999 (plus applicable taxes)

Product Details

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

See additional details for Etihad Guest SBI Premier Card

Etihad Guest SBI Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

N/A

Reward Redemption

Etihad Guest Miles earned redeemable for booking flights, hotels and renting cars from participating travel partners, and for purchasing products from etihadguest.com or its travel partner services. Etihad Miles can also be used to pay for purchases made using the credit card.

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

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

See additional details for Etihad Guest SBI Card

Welcome Benefits

1,500 Reward Points

Rewards Rate

1 Reward Points on every Rs. 125 you spend

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

1 Reward Point = Re. 1.

Joining Fees

Rs. 1,499

Product Details

  • Get up to 3 Reward Points on every Rs. 125 you spend with your IRCTC SBI card premier.
  • Get a welcome bonus of 1,500 Reward Points.
  • Up to 5,000 bonus Reward Points on achieving the milestone spend.
  • Get complimentary railway lounge access every year.
  • Exclusive benefits at more than 900 hotels all over the world.
  • Up to 10,000 miles every night on hotel stays.
  • Spend-based renewal fee waiver.
  • 1% fuel surcharge waiver.
  • Exclusive insurance benefits.

See additional details for IRCTC SBI Card Premier

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

Redeem your RPs against booking railway tickets on IRCTC ‘s Website.

Joining Fees

Rs 500 plus applicable taxes

Product Details

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

See additional details for IRCTC SBI Platinum Credit Card

Welcome Benefits

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

Rewards Rate

1 Reward Point on every spend of Rs. 125.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

The RPs you earn are credited to your IRCTC Rupay SBI credit card.

Joining Fees

Rs. 500 (plus applicable taxes)

Product Details

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

See additional details for IRCTC Rupay SBI Credit Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

You can redeem the reward point accumulated on this card can be redeemed against the reward catalogue or statement cash.

Joining Fees

Rs 500 + GST

Product Details

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

See additional details for Delhi Metro SBI Credit Card

Mumbai Metro SBI Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Redeem reward points for paying outstanding balance, e-vouchers, gifts, purchasing electronics, homeware, accessories, lifestyle products, Disney+ Hotstar Premium memberships, livemint subscription and more. 1 RP = Rs. 0.25.

Joining Fees

₹ 499

Product Details

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

See additional details for Mumbai Metro SBI Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

1 Reward Point = Rs 0.25 redeemable through by visiting the SBI Card website or at www. yatra.com website

Joining Fees

Rs 499/- plus applicable taxes

Product Details

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

See additional details for Yatra SBI Credit Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

NA

Joining Fees

Rs 1,499 plus GST

Product Details

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

See additional details for Paytm SBI Credit Card Select

Welcome Benefits

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

Rewards Rate

1% Reward Points on all spends.

Best Suited For

Travel |

Movie & Dining

NA

Reward Redemption

The reward points are automatically credited to your OLA money wallet. Here, 1 Reward Point = Rs. 1.

Joining Fees

Nil

Product Details

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

See additional details for OLA Money SBI Credit Card

Welcome Benefits

NA

Rewards Rate

1 reward point on every Rs 100 spent

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

1 Reward Point = Rs 0.25 on redemption against a host of gifts and benefits at the SBI Card reward catalog.

Joining Fees

Nil

Product Details

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

See additional details for SBI Unnati Credit Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

1 Empower Point = Rs. 1 can be redeemed against the Tata Loyalty program- The Empower Program or you can simply redeem your reward points at TATA merchant outlets.

Joining Fees

3,000 + GST

Product Details

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

See additional details for SBI Tata Platinum Card

Welcome Benefits

Complimentary Paytm First membership worth Rs 899.

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

Redeem cashback on Paytm gift vouchers balance

Joining Fees

Rs 499 + GST

Product Details

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

See additional details for Paytm SBI Card

Welcome Benefits

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

Rewards Rate

10 Reward Points per Rs. 100 spent on Fabindia stores, 3 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.

Best Suited For

Shopping |

Movie & Dining

N/A

Reward Redemption

Reward Points can be converted into Fabfamily Rewards which can be used for shopping on Fabindia stores. 1 Reward Point = 1 Fabfamily Reward = Re. 1

Joining Fees

Rs. 1,499 (plus applicable taxes)

Product Details

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

See additional details for FABindia SBI Card SELECT

FABINDIA SBI CARD

Welcome Benefits

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

Rewards Rate

5 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.

Best Suited For

Shopping |

Movie & Dining

NA

Reward Redemption

The Reward Points can be converted into Fabfamily Rewards and can be redeemed against shopping at a rate of 1 Reward Point = 1 Fabfamily Reward = Re. 1.

Joining Fees

Rs. 499

Product Details

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

See additional details for FABINDIA SBI Card

Welcome Benefits

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

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

Earn 10 RPs on dining & movies

Reward Redemption

  • 1 Landmark Reward = 2.4 SBI Reward Point
  • 1 SBI Card Reward Point = Rs. 0.24
  • 1 Landmark Reward = Rs. 0.60
  • 4 Reward Points = Re. 1

Joining Fees

Rs. 2,999 with applicable taxes

Product Details

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

See additional details for Lifestyle Home Centre SBI Card Prime

Welcome Benefits

Earn 6000 bonus reward points on paying annual fees.

Rewards Rate

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

Best Suited For

Shopping |

Movie & Dining

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

Reward Redemption

Redeem your Reward points by converting them into Landmark Rewards and get a double benefit.

Joining Fees

Rs 1,499 plus applicable taxes

Product Details

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

See additional details for Max SBI Card SELECT

SBI Credit Cards Benefits & 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 – You get welcome benefits with an SBI Credit Card when you join the card membership. 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, you may get more rewards on selected categories and fewer on others.
  • Milestone Benefits – Milestone benefits of a credit card 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 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 – Keeping 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 waiver of the annual membership fee, and many more.

Popular SBI Credit Cards

In total SBI has 71 cards in its portfolio, of which 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 credit card that comes with exclusive benefits over an array of categories, including travel, movies, reward offers, etc. It welcomes you with an e-gift voucher worth Rs. 5,000 and provides you movie benefits of up to Rs. 6,000 per year. Under its milestone privileges, you can earn up to 50,000 bonus RPs (equivalent to Rs. 12,500) every year. Moreover, the card provides its customers with complimentary airport lounge access, complimentary Club Vistara membership, and exclusive Trident Privilege membership to give them one of the best reward experiences.

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 worth up to Rs. 6,000 on the basis of your total annual spends. Although the card is popular for its Reward programs, it also provides exclusive travel benefits that include complimentary Priority Pass membership and complimentary domestic lounge access.

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 worth up to Rs. 4,000 every year on the basis of your annual spends. More of its benefits include fuel surcharge waiver, spend-based annual fee waiver, etc.

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

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

Etihad Guest SBI Premier Card

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

Air India SBI Signature Card

The Air India SBI Signature Credit Card is one of the most significant travel cards issued by the SBI. Not only travel benefits, but the card is also popular due to its exclusive Reward Programs. As a welcome benefit, you get 20,000 bonus 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 newly launched credit card that is targeted at providing its customers with exclusive health benefits. It comes with an annual 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.

Reward Points & Cashback Benefits:

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

How To Earn & 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, you should be aware of the fact that most of the credit cards offer accelerated RPs on selected categories and fewer points on other spends. So, in order to earn maximum points, you must make sure that you get a credit 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, the earned CV Points are automatically credited to your Club Vistara membership account within 15 days. And for the Air India SBI Signature Card, the 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 you need to 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.

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 issues a lot of 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.

SBI Credit Cards Annual Fee

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

Other Fees & Charges

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

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 will simply have to visit your nearest branch and fill in the physical application form. To apply online for SBI Cards, you will have to follow a 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.

Documents Required:

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

SBI Credit Card Application Status:

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

Best SBI Cards With No Annual Fee

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 comes with 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 on every spend of Rs. 100.
  • Get a cashback of Rs. 500 on spending Rs. 50,000 within a year.
  • 1% fuel surcharge waiver on all fuel transactions.

Ola Money SBI Credit Card – This Ola Money SBI Credit Card comes with 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 that is issued by SBI Card in partnership with the digital payment services company, Paytm. It is a cashback credit card and comes with several exclusive privileges, including welcome benefits, airport lounge access, 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 Credit Card is a co-branded credit card issued 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 and 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 some of 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 domestic airport lounge access 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% fuel surcharge waiver at all fuel stations.

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 international lounge access per year.
    SBI Card PRIME: 4 complimentary international lounge access every year.
    Club Vistara SBI Card PRIME: 4 complimentary international lounge access every year.
    Etihad Guest SBI Premier Card: 4 complimentary international lounge access every year.

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

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

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 cash 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 issued 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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