SBI card offers a wide variety of credit cards to its customers whereby you can select the right credit card that satisfies your financial needs. These credit cards offered by banks come with several benefits and privileges. To avail of the SBI card eligibility requirements is one of the most important factors that need to be fulfilled. Find below the eligibility requirement for SBI Bank.
Table of Contents
- 1 Basic SBI Credit Card Eligibility
- 2 Documents required to apply for SBI Credit card
- 3 Minimum Eligibility for Top SBI Credit cards
- 4 Factors that Affect your SBI Credit card Eligibility
- 5 How to Improve your SBI Credit card eligibility
- 6 How to Apply for SBI Credit Card?
- 7 How to Track SBI Credit Card Application Status?
Basic SBI Credit Card Eligibility
SBI card has listed a standard age requirement for all its credit cards. The applicant’s age should range from 21 years to 60 years. The age criteria for the add-on cardholder is 18 years. Provided below is basic information related to eligibility requirements that every customer should know before applying for the SBI credit card.
18 to 65 years
Rs 2 lakhs per annum
21 to 60 years
Rs 18,000 per month
Documents required to apply for SBI Credit card
Mentioned below are some essential documents required by the applicants while applying for the SBI credit card.
|Identity Proof||Voter’s Id, Pan Card, Passport, Aadhaar Card, Driving Licence, or any other government-approved ID.|
|Address Proof||Aadhaar Card, Passport, Utility Bills (Electricity bills, water bills, etc), or any other government-approved ID.|
|Income Proof||Bank Statement or salary slip of last 3 months, last 2 years’ audited financial report, etc|
Minimum Eligibility for Top SBI Credit cards
Stated below are some of the top credit cards issued by the SBI cards and their income criteria.
|SBI Credit Cards||Net Income|
|SBI Aurum credit card||Invite-only|
|SBI Elite credit card||Minimum net salary of 60,000 per month as per ITR|
|Air India SBI Signature credit card||Minimum net salary of 60,000 per month as per ITR|
|Air India SBI Platinum credit card||Minimum monthly salary of 40,000 as per ITR|
|Etihad Guest SBI credit card||Minimum monthly salary of 40,000 per month per ITR|
|Club Vistara SBI credit card||Minimum monthly salary of 40,000 per month|
|IRCTC SBI Premier credit card||Minimum monthly salary of 40,000 as per ITR|
|Club Vistara SBI card Prime||Minimum monthly salary of 40,000 as per ITR|
|SBI Card Prime||Minimum monthly salary 32,000 as per ITR|
|SBI SimplyCLICK credit card||Minimum monthly salary 20,000 as per ITR|
|SBI SimplySAVE credit card||Minimum monthly salary 20,000 as per ITR|
|BPCL SBI Card||Minimum monthly salary 20,000 as per ITR|
|Yatra SBI Card||Minimum monthly salary 20,000 as per ITR|
|IRCTC SBI Premier credit card||Minimum monthly salary 20,000 as per ITR|
Factors that Affect your SBI Credit card Eligibility
Age-: The minimum and maximum age requirement of the most important criteria that need to be fulfilled while applying for an SBI credit card. Typically, in the case of a self-employed person, an applicant with an age between 21 years to 60 years and a salaried employee with an age of 18 years to 65 years.
Income-: Income of an applicant is another deciding factor that affects your eligibility to avail of an SBI credit card. The minimum income for a self-employed applicant is 2 lakhs per annum and 18,000 per month in the case of a salaried applicant.
Documentation-: While applying for an SBI credit card, the applicant shall have all the necessary pre-requisite documents to assess their credit cards application, such as Proof of Income, Proof of Address, and Proof of Identity.
Credit history-: Credit history is the next most essential factor for consideration. If you have no credit history, the card issuer may reject your application when the issuer looks at your application while accessing it.
Location-: Only a few locations and cities are excluded from the SBI card service network. Therefore, the applicant needs to make sure that the residential address comes under the SBI Card served location and is not banned to be eligible for an SBI credit card
How to Improve your SBI Credit card eligibility
There are multiple ways you can increase your eligibility to avail of an SBI credit card. Some of the ways are mentioned below to help you increase your eligibility.
- Make sure you have paid off your previous outstanding bills on time
- You can also avail SBI credit card by maintaining a healthy credit score of 750
- By adding a co-applicant when applying for an SBI credit card
- You can increase your chance by limiting the number to hard inquires on your credit file
- Applying for a secured credit card
How to Apply for SBI Credit Card?
- SBI Card customers can apply for SBI credit cards by visiting the nearest SBI branch to apply for a credit card
- The customer can also call an SBI card customer helpline at 39020202 (with STD code of your city) to apply for an SBI credit card.
- You can also apply online for the SBI credit card by visiting the official bank website at www.sbicard.com. You need to click on the ‘Apply’ button, choose your credit card, and enter your required details.
How to Track SBI Credit Card Application Status?
SBI Card customers can easily track their credit card application status online. You need to visit this page https://www.sbicard.com/en/eapply.page#track-retrieve-form to track your application and entering your credit card application reference number.
You can simply call this customer care number at 18605001290 or 1860 180 1290 to get the required card-related information.
Yes, you can use the SBI credit card for international transactions and will be charged up with foreign markup fee of 3.5% on the conversion amount.
The customers enjoy an interest-free period of 20-50 days on their SBI credit card.