SBI Card is one of the most popular credit card issuers in India, with a large share of the credit card market. Recently, it has started issuing RuPay Credit Cards, which can be linked with a UPI application. RuPay is gaining a lot of popularity in India, and SBI Card has responded by introducing its own range of RuPay Credit Cards, suitable for shopping, rewards, travel, and more. From small to large, with an SBI RuPay Credit Card, you can easily make payments to various businesses and vendors from your mobile.
RuPay was launched in 2014 and, since then, has expanded its foothold in India. With this, you can make secure and fast transactions across the country. With distinct benefits, indigenous making, and a rewarding structure, it’s quite beneficial to have an SBI RuPay Credit Card. Keep on reading to learn more about SBI RuPay Credit Cards in India.
Table of Contents
3 Reward Points/₹100 Spent on PhonePe, 2 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
PhonePe Gift Voucher Worth ₹500
1 Reward Point/₹150 Spent (Reward Rate = 0.17%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)
2,000 Reward Points on Spending ₹2,000 in the First 60 Days
1 Reward Point/₹100 on Non-Fuel Spends – 0.25% Rewards | 5 Reward Points/₹100 on Grocery, Dining, Departmental Store & Movie Spends – 1.25% Rewards | 13 Reward Points/₹100 on BPCL Fuel Spends – 3.25% Rewards
2,000 Reward Points Worth ₹500
Earn 10 RPs per ₹100 spent on AJIO & JioMart, 5 RPs per ₹100 spent at Other Reliance Retail Stores, 5 RPs per ₹100 spent on Dining & Movies, and 1 RP per ₹100 spent on Other Retail Purchases
Reliance Retail Vouchers Worth Rs. 500 and Discount Vouchers of Rs. 3,200
25 Reward Points/₹100 Spent at BPCL Fuel Stations (Reward Rate = 7.25%), 10 RPs/₹100 Spent on Groceries, Departmental Stores, and Movie Tickets, and 1 Reward Point for Every ₹100 Spent on All Other Expenditures
6,000 Bonus Reward Points Worth ₹1,500
10 Reward Points/₹100 Spent on PhonePe, 5 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
PhonePe Gift Voucher Worth ₹1,500
1 Reward Point on every spend of Rs. 125.
350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card
3 IndiGo BluChips/₹100 on the IndiGo App & Web. 2 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 1 IndiGo BluChip/₹100 on All Other Spends
2,500 IndiGo BluChips
10 RPs/₹100 Spent on Apollo 24|7 App and Stores (10% Return as Health Credits). 2 RPs/₹100 Spent on Dining, Movies & Entertainment, and Travel (2% Return). 1 RP/₹200 Spent on Other Purchases
Apollo 24/7 Gift Voucher Worth ₹1,500, Built-in Apollo Circle Benefits, and FITPASS PRO Membership
Earn 20 RPs per ₹100 spent on AJIO & JioMart, 10 RPs per ₹100 spent at Other Reliance Retail Stores, 5 RPs per ₹100 spent on Dining, Movies & Entertainment, and Flights, and 2 RPs per ₹100 spent on Other Retail Purchases
Reliance Retail Vouchers Worth ₹3,000 and Discount Vouchers of ₹11,999
Let us now compare popular RuPay Credit Cards from SBI Card.
| Features | SBI SimplySAVE Credit Card | IRCTC SBI RuPay Credit Card |
| Joining Fee | Rs. 499 + GST | Rs. 500 + GST |
| Renewal Fee | Rs. 499 + GST | Rs. 300 + GST |
| Best Suited For | Shopping | Travel |
| Welcome Benefits | Spend Rs. 2000 Within 60 Days of Card Issuance to Earn 2,000 Reward Points | 350 Reward Points on a Transaction of Rs. 500 Within 45 Days of Card Issuance |
| Movie & Dining | 10X Reward Points Per Rs. 150 Spent on Movie and Dining | N/A |
| Travel | N/A | 4 Railway Lounge Access in a Year |
| Rewards Redemption Fee | Rs. 99 | Rs. 99 |
The SBI SimplySAVE is an excellent credit card for beginners. It charges an annual fee of Rs. 499 and offers a welcome bonus of 2000 reward points. You can earn bonus reward points on purchases made at grocery stores, movie theatres, and departmental stores with the card, making it ideal for people who are new to credit cards and want to save money on everyday expenses. In addition to rewards, you can also get an annual fee waiver by spending Rs. 1 lakh or more with the card. However, the card has limited travel, dining, or entertainment privileges as it is designed primarily for beginners who are looking for an entry-level credit card.
SBI Card launched BPCL SBI Card Octane in December 2020. It is an upgraded version of the BPCL SBI Credit Card. While the Octane variant does offer better rewards and offers, it also carries a much higher annual fee of Rs. 1,499, whereas the other variant had a fee of only Rs. 499. BPCL SBI Card Octane gives you a 7.25% value back on fuel purchases at Bharat Petroleum fuel stations: 6.25% as reward points (25x reward rate), along with a 1% fuel surcharge waiver. You also receive 10x reward points for spending on dining and movie tickets, apart from the fuel benefits. As far as travel benefits are concerned, the card entitles you to 4 complimentary accesses to domestic airport lounges every year (maximum 1 per quarter).
Apply for a RuPay Credit Card with Card Insider. Compare different features of credit cards on our website and choose the card most suited to you. You can then click on the “Apply Now” button to apply for the card. Keep a few documents (PAN Card & Aadhaar Card) with you as they might be needed while filling out your credit card application.
The introduction of the Unified Payment Interface (UPI) has changed how we make day-to-day payments. From small amounts at the grocer to large purchases, we use UPI for everything, and now, with RuPay Credit Cards, you can easily link your card to UPI. This makes the SBI RuPay Credit Cards the most appealing. Whether you are someone who is looking for an entry-level credit card or if you are looking for a card to use through UPI with an SBI Credit Card, you are sure to find the best fit.
Rewards, safe and convenient transactions, and quick payments are all made easy with an SBI RuPay UPI Credit Card. Tell us your views on these RuPay Credit Cards offered by SBI Card.
Your credit card limit depends upon a lot of factors, including your credit score and credit history.
You can easily apply for an SBI RuPay Credit Card by clicking on the Apply Now button next to the card of your choice.