List Of Best SBI Credit Cards in India
SBI Card issues a large number of credit cards, and therefore, you may find it challenging 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. To learn more about the cards offered by SBI Card, continue reading to compare them based on your needs and apply online wisely.
- Joining Fee₹999 + GST
- Annual Fee₹999 + GST
- Best Suited ForShopping | Food
- Rewards TypeCashback
Rewards Rate
5% Cashback for Online Spends Up to ₹2,000 and 1% Cashback for Offline Spends Up to ₹2,000. Maximum Cashback of ₹4,000 in a Statement Cycle
Welcome Benefits
N/A
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
10X Reward Points on Partner Brands (Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, Swiggy, Yatra, Gyftr, and Tata Cliq), 5X Reward Points on Online Purchases, and 1 Reward Point/₹100 Spent on Other Purchases
Welcome Benefits
Amazon Gift Card Worth ₹500
- Joining FeeNIL (Limited Time Offer)
- Annual Fee₹499 + GST
- Best Suited ForShopping | Utility Bills
- Rewards TypeReward Points
Rewards Rate
3 Reward Points/₹100 Spent on PhonePe, 2 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
Welcome Benefits
PhonePe Gift Voucher Worth ₹500
- Joining Fee₹500 + GST
- Annual Fee₹500 + GST
- Best Suited ForShopping
- Rewards TypeCashback
Rewards Rate
5% Cashback for Spends on Flipkart and Cleartrip. 7.5% Cashback for Myntra Spends and 4% Cashback for Spends on Other Partners, Such as Zomato, Netmeds, PVR, and Uber
Welcome Benefits
Flipkart Gift Card Worth ₹250
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeNeuCoins
Rewards Rate
2% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1% Neu Coins on All Other Eligible Spends, Including UPI (RuPay Variant)
Welcome Benefits
499 NeuCoins
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForFuel
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
2,000 Reward Points Worth ₹500
- Joining FeeNIL (Limited Time Offer)
- Annual Fee₹1,499 + GST
- Best Suited ForShopping | Utility Bills
- Rewards TypeReward Points
Rewards Rate
10 Reward Points/₹100 Spent on PhonePe, 5 Reward Points/₹100 Spent Online, and 1 Reward Point/₹100 on Other Valid Spends
Welcome Benefits
PhonePe Gift Voucher Worth ₹1,500
- Joining Fee₹1,499 + GST (~₹1,769)
- Annual Fee₹1,499 + GST (~₹1,769)
- Best Suited ForTravel | Shopping
- Rewards TypeNeuCoins
Rewards Rate
5% NeuCoins on Spends Made With Tata Neu and Partner Tata Brands. 1.5% Neu Coins on All Other Eligible Spends Including UPI (RuPay Variant)
Welcome Benefits
1,499 NeuCoins
- Joining FeeRs. 1,499 + GST
- Annual FeeRs. 1,499 + GST
- Best Suited ForTravel | Fuel | Food
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
6,000 Bonus Reward Points Worth ₹1,500
- Joining Fee₹1,499 + GST
- Annual Fee₹1,499 + GST
- Best Suited ForTravel | Shopping | Health
- Rewards TypeReward Points
Rewards Rate
10 Reward Points/₹100 on Movies, Dining, Pharmacy & Chemist (2.5%) | 2 Reward Points/₹100 on Other Spends (0.5%)
Welcome Benefits
Noise ColorFit Pulse 4 Pro Smart Watch Worth ₹7,999 and Complimentary Fitpass Pro and Netmeds First Membership
- Joining FeeRs. 499 + GST
- Annual FeeRs. 499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
1 Reward Point/₹150 Spent (Reward Rate = 0.17%) and 10X RPs for Spends on Movies, Grocery, Dining, & Departmental Stores (Reward Rate 1.7%)
Welcome Benefits
2,000 Reward Points on Spending ₹2,000 in the First 60 Days
- Joining Fee₹1,499 + GST (~₹1,768)
- Annual Fee₹1,499 + GST (~₹1,768)
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
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
Welcome Benefits
2,500 IndiGo BluChips
- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForTravel
- Rewards TypeAir Miles
Rewards Rate
7 IndiGo BluChips/₹100 on the IndiGo App & Web. 3 IndiGo BluChips/₹100 on Hotel/Lodging & Travel MCCs. 2 IndiGo BluChip/₹100 on All Other Spends
Welcome Benefits
5,000 IndiGo BluChips & 1 6E Eats Voucher
- Joining Fee₹1,499 + GST
- Annual Fee₹1,499 + GST
- Best Suited ForTravel | Shopping | Health
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
Apollo 24/7 Gift Voucher Worth ₹1,500, Built-in Apollo Circle Benefits, and FITPASS PRO Membership
- Joining FeeRs. 500 + GST
- Annual FeeRs. 500 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
1 Reward Point on every spend of Rs. 125.
Welcome Benefits
350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
Reliance Retail Vouchers Worth Rs. 500 and Discount Vouchers of Rs. 3,200
- Joining FeeRs. 1,499 + GST
- Annual FeeRs. 1,499 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
Up To 10% Value Back As Reward Points On IRCTC Train Bookings (AC1, AC2, AC3, Executive Chair Car & Chair Car). Earn 3 Reward Points Per ₹125 Spent On Dining and Utility
Welcome Benefits
1,500 Reward Points
- Joining FeeRs. 1,499 + GST
- Annual FeeRs. 1,499 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
Get 2 Travel Credits for every ₹200 spent on travel and 1 Travel Credit for every ₹200 on other expenses.
Welcome Benefits
Get 1,500 Travel Credits on spending ₹30,000 within 60 days of issuance.
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
10 RPs/₹100 Spent on Dining, Groceries, Movies, and Departmental Stores (Reward Rate ~2.5%). 2 RPs/₹100 for All Other Eligible Spends (Reward Rate ~0.5%)
Welcome Benefits
Voucher Worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
6 RPs/₹100 Spent for All Non-Titan Spends
Welcome Benefits
12,000 Reward Points (Worth ₹3,000)
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
25 RPs/₹100 Spent at Landmark Stores. 10 RPs/₹100 Spent for Dining, Movies & International Spends. 2 RPs/₹100 Spent for Other Eligible Purchases
Welcome Benefits
12,000 Reward Points Worth ₹3,000
- Joining Fee₹1,499 + GST
- Annual Fee₹1,499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
15 RPs/₹100 Spent at Landmark Stores. 10 RPs/₹100 Spent for Dining, Movies & International Spends. 2 RPs/₹100 Spent for Other Eligible Purchases
Welcome Benefits
6,000 Reward Points Worth ₹1,500
- Joining Fee₹499 + GST
- Annual Fee₹499 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
10 Reward Points/₹100 Spent at Online & Retail Landmark Stores; 5 Reward Points/₹100 Spent on Dining and Movies; 1 Reward Point/₹100 Spent on Other Retail Purchases
Welcome Benefits
2,000 Bonus Reward Points Worth ₹500
Invite Only
- Joining FeeRs. 9,999 + GST
- Annual FeeRs. 9,999 + GST
- Best Suited ForMovies | Travel | Dining | Shopping
- Rewards TypeReward Points
Rewards Rate
4 Reward Points per Rs. 100 spent (reward rate of 1%)
Welcome Benefits
40,000 Reward Points and Complimentary Memberships of Club Marriott, Wall Street Journal, and Mint
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForShopping
- Rewards TypeReward Points
Rewards Rate
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
Welcome Benefits
Reliance Retail Vouchers Worth ₹3,000 and Discount Vouchers of ₹11,999
- Joining Fee₹2,999 + GST
- Annual Fee₹2,999 + GST
- Best Suited ForTravel
- Rewards TypeKrisFlyer Miles
Rewards Rate
5 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 5 KrisFlyer/₹200 Spend Abroad
Welcome Benefits
3,000 KrisFlyer Miles
- Joining Fee₹4,999 + GST
- Annual Fee₹4,999 + GST
- Best Suited ForMovies | Travel | Shopping
- Rewards TypeReward Points
Rewards Rate
10 Reward Points/₹100 Spent on Dining, Grocery, and Departmental Stores (~2.5%). 2 Reward Points/₹100 on All Other Spends (~0.5%)
Welcome Benefits
Vouchers Worth ₹5,000 from Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop
- Joining FeeRs. 2,999 + GST
- Annual FeeRs. 2,999 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
Get 4 Travel Credits for every ₹200 spent on travel and 2 Travel Credits for every ₹200 on other expenses.
Welcome Benefits
Get 3,000 Travel Credits on spending ₹60,000 within 60 days of issuance.
- Joining FeeRs. 4,999 + GST
- Annual FeeRs. 4,999 + GST
- Best Suited ForTravel
- Rewards TypeReward Points
Rewards Rate
6 Travel Credits for Every ₹200 Spent on Travel. 2 Travel Credits/₹200 Spent on All Other Purchases
Welcome Benefits
5,000 Travel Credits
- Joining Fee₹9,999 + GST
- Annual Fee₹9,999 + GST
- Best Suited ForTravel
- Rewards TypeKrisFlyer Miles
Rewards Rate
10 KrisFlyer Miles/₹200 Spent on Singapore Airlines Group and 8 KrisFlyer/₹200 Spend Abroad
Welcome Benefits
10,000 KrisFlyer Miles
- Joining FeeRs. 250 + GST
- Annual FeeRs. 250 + GST
- Best Suited ForShopping
- Rewards Type
Rewards Rate
1 Reward Points on every spend of Rs. 100 and 5x Reward Points on groceries, dining, CSD, movies, departmental stores, etc.
Welcome Benefits
1,000 bonus Reward Points
- Joining FeeNil
- Annual Fee₹1,499 + GST
- Best Suited ForTravel | Shopping
- Rewards TypeReward Points
Rewards Rate
10 RPs/₹100 Spent on Dining, Groceries, Departmental Stores (Including CSD Canteen), and Movies. 2 RPs/₹100 on All Other Spends
Welcome Benefits
N/A
- Joining Fee₹1,499 + GST
- Annual Fee₹1,499 + GST
- Best Suited ForHealth
- Rewards TypeReward Points
Rewards Rate
Earn 1 Reward Point/₹100 On Regular Spends (Reward Rate Of 0.25%) And 5 Reward Points/₹100 On Medical Supplies, Travel Bookings, And International Spends (Reward Rate Of 1.25%). Additionally, Earn 5 Reward Points/₹100 On All Spends On Doctor’s Day
Welcome Benefits
Yatra Gift Voucher Worth ₹1,500
SBI Credit Card Benefits and Features
Although every credit card issued by the State Bank of India is different, we are here with a list of benefits that you may expect to get from an SBI Credit Card. You will indeed be provided with one or more of the benefits mentioned below:
- Welcome Benefits – On joining the card membership, you get a welcome benefit along with your SBI Card. The welcome benefits may be in the form of points, accelerated cashback, complimentary prime memberships, or anything, depending on what type of credit card you have. Sometimes you might need to spend a minimum threshold amount within a given time period to avail of the welcome benefits, and some cards offer you these privileges without any spending requirements.
- Reward Points/Cashback – The RPs/cashback offered by credit cards is one of the most attractive features of credit cards, and this is why many people get a credit card even if they don’t actually need it. Some of the SBI Cards offer RPs on all your spends, while others offer cash back. You get rewarded every time you spend. However, the reward rate may vary with the category.
- Milestone Benefits – Milestone benefits can be availed by the credit card holder on achieving the spend milestone as required. For example, a credit card may offer you 10,000 bonus RPs on spending Rs. 2 lakhs or more in a year. Some cards offer RPs, others offer gift vouchers, and some may also have other types of milestone benefits.
- Travel Benefits – Maintaining the increasing love for travel in today’s generation, SBI Card offers some travel credit cards with world-class privileges, including complimentary air tickets, complimentary airport lounge access, free memberships to airline programs, and many more. Such credit cards are best suited for frequent travellers.
- Entertainment Benefits – Some cards also come with exciting entertainment benefits, including complimentary movie tickets, exciting discounts on BookMyShow, up to 50% savings on dining, and many more.
- Other Benefits – Other than all the above privileges, some of the best SBI Cards also offer additional benefits, including golf privileges, insurance benefits, fuel surcharge waiver, zero liability protection, spend-based annual fee waiver, and many more.
Best SBI Credit Cards
In total, SBI has over 25 credit cards in its portfolio, which range from basic to super-premium categories. Which is the best SBI credit card? Out of all these cards, the most popular SBI credit cards are as mentioned below:
Cashback SBI Credit Card
The Cashback Credit Card has been launched by SBI Card, and as its name suggests, it offers cashback on 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.
SimplyCLICK SBI Credit Card
The SimplyCLICK SBI Credit Card is another shopping card issued by the SBI Card 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.
Tata Neu Plus SBI Credit Card
The Tata Neu Plus SBI Credit Card is a solid pick if you’re just getting started with credit cards, especially if you’re someone who shops often on the Tata Neu app or uses Tata brands like BigBasket and 1mg. With a low joining fee of ₹499 (which you basically get back as 499 NeuCoins), it’s easy on the wallet. You earn up to 7% back in NeuCoins on select purchases, plus 1% even on UPI payments if you go with the RuPay variant. There’s also a nice bonus of one free airport lounge visit every quarter, as long as you hit the ₹50,000 spend mark in the previous quarter.
All in all, it’s a budget-friendly card with good rewards if you’re already part of the Tata ecosystem.
BPCL SBI Card OCTANE
SBI Card issues the BPCL SBI Card OCTANE 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 ₹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 ₹2,000 every year under its Milestone benefits, and you get complimentary airport lounge access every year.
SBI Card Pulse
The SBI Pulse Credit Card is a health credit card designed to provide its customers with exclusive health benefits. The card comes with a yearly fee of ₹1,499, and the cardholders get complimentary FitPass Pro, Noise ColorFit Pulse 4 Pro Smart Watch Worth ₹7,999, 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.
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.
IRCTC RuPay SBI Credit Card
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 by the railways. You earn one reward point for every ₹125 spent on retail purchases and train ticket bookings through the IRCTC website.
- 350 Bonus reward points on making a transaction of ₹500 or more within 45 days of getting the card
- 1 reward point per ₹125 on retail and ticket bookings through the IRCTC website or application
- Get 10% back as reward points on purchasing AC1, AC2, and AC3 train tickets through IRCTC website
- 4 complimentary railway lounge access per year
SBI Card PRIME
The SBI PRIME Credit Card is among the best Reward cards issued by the SBI Card. 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.
SBI ELITE Card
The SBI ELITE Credit Card is a premium card that offers exclusive benefits across various categories, including travel, movies, and reward offers. It welcomes you with an e-gift voucher (worth ₹5,000) and provides you with movie benefits of up to ₹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 cardholders complimentary airport lounge access, giving them one of the best reward experiences.
Titan SBI Credit Card
The Titan SBI Credit Card is a sub-premium co-branded card designed for loyal Titan (Tata Brand) customers, offering exceptional value through cashback and vouchers across popular Titan brands like Fastrack, Helios, Tanishq, and Titan Eye+. Cardholders enjoy up to 7.5% cashback on Titan purchases and 6 Reward Points per ₹100 on other spends, including UPI transactions. It also includes complimentary domestic and international lounge access along with milestone rewards worth up to ₹15,000 annually in Titan gift vouchers.
Ideal for frequent shoppers and brand enthusiasts, this card combines lifestyle perks with retail savings, making it a strong pick for Titan loyalists. Those who often purchase jewelry via Tanishq can save alot with this card.
KrisFlyer SBI Card Apex
The KrisFlyer SBI Card Apex is a premium travel credit card meant for frequent flyers with Singapore Airlines and its partner brands. It comes with a hefty joining fee of ₹9,999, but you do get 10,000 KrisFlyer Miles as a welcome bonus, which helps offset the joining charges. You earn 5% back (in miles) on Singapore Airlines Group spends, 4% on international transactions, and some sweet milestone benefits like bonus miles and KrisFlyer Elite Gold status if you hit ₹7.5 lakh in annual spends. Free airport lounge access is generous too – 8 international and 8 domestic visits every year.
All being said, there’s no forex markup discount and no renewal benefits, so it’s best suited for those who fly SQ often and can make the most of the perks in year one. Even those who make high spends would do well with this credit card.
SBI Credit Cards Reward Points and Cashback
All the SBI Credit Cards reward you with reward points or cash back on all your spends. The reward rates of different credit cards may vary and can differ across various categories. The following table summarizes the reward rate of some of the best SBI Credit Cards:
| Credit Cards |
Reward Points/Cashback |
| SBI Card ELITE |
- 10 Reward Points per ₹100 spent on dining, groceries, and department stores.
- 2 Reward Points on every other spend of ₹100.
|
| SBI Card PRIME |
- 20 Reward Points every time you spend ₹100 on your birthday
- 10 Reward Points per ₹100 spent on groceries, dining, and department stores.
- 2 Reward Points per ₹100 spent on all other retail purchases.
|
| SimplySAVE SBI Credit Card |
- 10 Reward Points per ₹100 spent on movies, dining, departmental stores, and groceries.
- 1 Reward Point on every other spend of ₹100.
|
| SimplyCLICK SBI Credit Card |
- 10 Reward Points on every online spend of ₹100 on Apollo 24×7, BookMyShow, Cleartrip, Dominos, IGP, Myntra, Netmeds, and Yatra.
- 5 Reward Points on every other online spend of ₹100.
- 1 Reward Point on every other spend of ₹100.
|
| BPCL SBI Card OCTANE |
- 25 Reward Points per ₹100 spent on BPCL fuel stations, Bharat Gas & Lubricants.
- 10 Reward Points per ₹100 spent on movies, groceries, dining, and department stores.
|
| IRCTC SBI Card Premier |
- 3 Reward Points on every ₹125 standing instructions of utility spends and dining.
- 1 Reward Point on every ₹125 spent on all other retail purchases.
|
| Cashback SBI Card |
- 5% cashback on online transactions
- 1% cashback on offline spends
|
How To Earn and Redeem SBI Credit Card Reward Points?
On the rewards credit cards offered by the State Bank of India, you can earn RPs on almost all your spends. But, be aware of the fact that most credit cards offer accelerated RPs on select categories and fewer points on other spends. So, if you want 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 = ₹0.25.
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.
SBI Credit Cards Annual Fee
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 |
₹4,999 + GST |
₹10 Lakh or More |
| SBI Card PRIME |
₹2,999 + GST |
₹3 Lakh or More |
| SimplySAVE SBI Credit Card |
₹499 + GST |
₹1 Lakh or More |
| SimplyCLICK SBI Credit Card |
₹499 + GST |
₹1 Lakh or More |
| BPCL SBI Card OCTANE |
₹1,499 + GST |
₹2 Lakh or More |
| IRCTC RuPay SBI |
₹500 + GST |
N/A |
| IRCTC SBI Card Premier |
₹1,499 + GST |
₹2 Lakh or More |
| Cashback SBI Card |
₹999 + GST |
₹2 Lakh or More |
| KrisFlyer SBI Card Apex |
₹9,999 + GST |
N/A |
*spend within the card anniversary year
Other Fees and Charges
Apart from the annual fee, credit cards incur various additional charges, including interest rates, cash advance fees, foreign currency markup fees, late payment fees, and more. Some of the main fees and charges of SBI Credit Cards are given below:
| Interest Rate |
3.75% Per Month (45% Each Year) on All Cards |
| Cash Advance Charges |
2.5% of the Withdrawn Amount or ₹500 (Whichever is Higher) |
| Foreign Currency Markup Fee |
1.99% on SBI Card Elite/Tata Neu Infinity/AURUM/SBI Card Miles ELITE and 3.5% on Other Cards |
| Card Replacement Fee |
₹100 to ₹250 (₹1,500 for Aurum) |
| Rewards Redemption Fee |
₹99 (Applicable only to physical products, statement credits, and vouchers for all cards except AURUM) |
You can check the more detailed fees for SBI credit cards here.
SBI Credit Cards Eligibility Criteria
You will need to fulfil the following basic eligibility requirements to get approved for an SBI Credit Card.
- The salaried employees should be between 18 and 65 years of age.
- The age of self-employed individuals should be between 21 and 60 years.
- Applicants should have a stable source of income (Salary requirements may differ on a card-to-card basis).
- The applicant should have a decent credit history.
Documents Required
The following documents are required to apply for an SBI Credit Card. You should have any one of the following identity proofs, one address proof, and a proof of income.
- PAN Card
- Aadhaar Card
- Income Proof: For salaried employees – salary slip of the latest months., For self-employed individuals – Later ITR (Income Tax Return) / Form 16.
How To Apply Online For SBI Credit Cards?
There are a lot of ways to apply for SBI credit cards. You can choose 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:
- Choose the card of your choice.
- Click on ‘Apply.’
- You shall be redirected to the official application.
- Fill in the online application form, check your details, and submit.
SBI Credit Card Application Status:
If you have applied for an SBI credit card, then you can track your application status at the 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.
How To Activate an SBI Credit Card?
You can use several online as well as offline methods to activate your new SBI Credit Card. The following points will help you to understand the same:
- You can easily activate your SBI Credit Card via an SBI ATM. Just visit the ATM and click on the option ‘Create PIN Using OTP’ on the screen. Enter the OTP that you have received on your registered mobile number and activate your card.
- Also, activate an SBI Credit Card using internet banking. Log in to your Internet banking account and go to the ‘Manage PIN’ section under the ‘My Account’ tab.
- You can also activate your SBI Credit Card easily by chatting with the SBI Card chatbot ILA. Just visit the SBI Card’s official website, click on the ‘Ask Ila’ option and type ‘How to generate PIN for my credit card.’ You will be asked to enter a few details, and then you can activate your card easily.
- You can also contact the SBI Credit Card customer care and ask the bank executive to assist you in activating your credit card. They will ask you for a few details and will surely assist you with the same.
SBI Credit Cards Login/Netbanking
To avail of internet banking services on your SBI Credit Card, you will have to register your card for the same. Just follow a few simple steps as mentioned below:
- Visit the SBI Card’s official website.
- Click on New User? Register Now option.
- Enter your credit card details and proceed.
- Set your username and password and confirm.
SBI Credit Card Customer Care
The SBI Credit Cardholders can contact customer care in case of any doubts/queries using the following contact details:
- You can contact SBI Card customer care via this 24*7 helpline number: 1800 180 1290.
- The customers can also contact bank officials via email from the SBI Card’s official website or through their internet banking account.
How To Compare and Choose The Best SBI Cards?
As discussed earlier, various SBI Cards offer different benefits and incentives across 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 designed for individuals who already have a good credit score and want a card to enhance their lifestyle. 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 selecting the type of credit card you want, compare SBI Credit Cards based on their features, fees, and 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.
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. This is because they can visit the comfortable airport lounges for free and take advantage of all the facilities 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 Aurum, come with unlimited airport lounge access, while other cards provide a limited number of complimentary lounge visits.
Discontinued SBI Credit Cards
SBI Card is no longer issuing the following credit cards.
1 comment
Amol Eknath Aher
Which is the most valuable & unique SBI credit card.