Salaried employees must live within their means. Hence, choosing a credit card needs more careful research on usage and credit card offers. With a wide array of credit cards offered by the State Bank of India (SBI), a salaried individual has a plethora of options to choose the best credit card based on the credit needs and profile. CreditMantri has put together the top 5 SBI credit cards matching the needs of salaried employees. If you are one of the five following personality types, these cards would certainly appeal to you.  

1. Money Savers

If you want to increase your wealth by saving, here are the following SBI credit cards that can save you a lot of money on spending.

  1. SBI Unnati Credit Card Features
    • Annual Fee of Rs. 499 is waived off for the first four years.
    • Rs. 500 cashback on the spend of Rs. 50,000
    • 1% of fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000
    • 1 reward point on the spend of every Rs. 100
  2. SimplySAVE SBI Credit Card Features
    • 10 reward points on every spend of Rs. 100
    • 2000 bonus reward points on spends of Rs. 2000 with the first 60 days
    • 1% of fuel surcharge waiver for each transaction between Rs. 500 and Rs. 3000
    • Annual fee reversal on spend of Rs. 90,000 and above

2. Travel Enthusiasts

Individuals who are frequent travellers can benefit from the following SBI credit cards.

  1. Air India SBI Signature Card
    • 20,000 reward points as a welcome gift
    • 5000 reward points as an anniversary gift
    • Up to 30 reward points on booking Air India tickets
    • Up to 1,00,000 reward points on annual spends
  2. IRCTC SBI Platinum Card
    • 350 bonus points as a welcome gift
    • Up to 10% value back as reward points for railway ticket purchases
    • 1% transaction charges waiver on railway ticket bookings on the IRCTC website
  3. • 1% fuel surcharge waiver

3. The Shopaholics

The following cards are designed to benefit the frequent shopping goers.

  1. SimplyCLICK SBI Card
    • Rs. 500 worth amazon card as a welcome gift
    • Up to 10X reward points on online spends
    • Rs. 2000 E-voucher for annual spends of Rs. 1,00,000 and 2,00,000 each
  2. STYLEUP Contactless Card:
    • Rs. 500 worth FBB gift voucher as a welcome gift
    • 10% discount on all Fashion Apparel, Accessories, Backpacks, Footwear and School Bags at FBB and Big Bazaar Stores
    • 2000 reward points on card anniversary
    • 10X reward points on Big Bazaar, FBB and dining spend

4.  Premium Users

  1. SBI Card Elite 
    • Rs. 5000 worth e-Gift Voucher as a welcome gift
    • Rs. 6000 worth free movie tickets
    • Up to 50,000 bonus points worth Rs. 12,500
    • Complimentary membership to Club Vistara and Trident Privilege Program

5. For Accumulating Gift Vouchers and Rewards

  1. SBI Card Prime
    • Welcome e-Gift Voucher worth Rs. 3,000
    • Spend linked Gift Vouchers worth Rs. 11,000
    • 10 Reward Points per INR 100 spent on Dining, Groceries, Departmental stores, and Movies
    • Complimentary International and Domestic Airport Lounge access
  2. Tata Platinum Card
    • Welcome and anniversary gift voucher up to Rs. 3,000 from popular brands
    • Spends linked gift vouchers worth up to Rs. 6000
    • 3X Reward Points on Departmental Stores, Dining, Grocery, and International Spends
    • Spend at selective outlets & get up to 5% Value back

    There are so many other SBI credit cards offered in collaboration with the other banks. You can choose as per your income and requirement.

The Last Word

While choosing the credit card that is right for you, do a thorough analysis of the features and benefits. Compare the credit cards with your needs and wants. By doing all that, you can benefit enormously from a credit card.


1. Who is eligible for SBI credit cards?

A. SBI credit cards can be available to all the existing customers of the bank as well as other customers who are preapproved for an SBI credit card.

2. Is a credit card issued for free?

A. No. Customers have to pay nominal fees as joining fees and annual fees for availing of the benefits of the SBI credit cards. 

3. What are the eligibility criteria for SBI credit cards?

A. Customers have to meet several eligibility criteria for SBI credit cards. Some of the basic eligibility criteria required for SBI credit cards are,

  • Minimum age of the applicant to be 18 years and the maximum age to be 65 years at the time of application 
  • The minimum credit score of the applicant should be 750
  • The applicant has to be a resident of India having a regular source of income.