SBI Credit Card

SBI Credit Cards 2025 – Complete List with Joining Fees & Renewal Fees

Want to Explore Credit Cards from other Banks? Check features, compare benefits and apply for the best Credit Card through CreditMantri!

How to apply for SBI Credit Cards?

Apply online on SBI Card Website -

• Go to the official SBI Card website at www.sbicard.com.
• Check the features, compare benefits and rewards program of various cards offered. Choose the one that best suits your needs.
• The SBI Credit Card page has the ‘Apply Now’ button next to the cards so that you can conveniently apply instantly.
• It will ask for your personal details and financials, like PAN number, Aadhaar number, etc. Fill latest and accurate info in the respective fields.
• Submit necessary documents such as identity proof (e.g., PAN Card), address proof (e.g., Aadhaar Card), and income proof (e.g., salary slips or income tax returns) as requested by the SBI Card representative.
• Wait for the verification process to be completed.
• Receive your SBI Credit Card at your registered address once the verification is successful.

SBI Credit Card Online Apply Through CreditMantri

• Check the various SBI credit cards available
• After choosing the card you want to apply for, click ‘Check Eligibility. (If you want more details about the card, click ‘Know More’).
• You will be redirected to the application page.
• Enter the basic details asked and click submit. An OTP will be dispatched to your mobile.
• Enter this OTP for verification.
• Click on ‘view eligible SBI Bank offers and apply’

Apply for SBI Credit Card Offline at the Branch

• You can also apply for the SBI bank credit card offline by going to the nearest SBI bank branch and completing the physical application form there. Ensure that you keep all the needed documents with you.

SBI Credit Card Documents Required to Apply

You must submit the following documents along with the SBI credit card application form:

• Identity Proof: PAN card, Aadhaar card, passport, driving license, voter’s ID card, Overseas Citizen of India card, job card issued by NREGA, Person of Indian Origin card, letters issued by the UIDAI, or any other government sanctioned photo ID proof.
• Address Proof: Aadhaar card, passport, driving license, voter’s ID card, ration card, property registration document, job card issued by NREGA, utility bill not older than 3 months, and any other address proof approved by the government.
• Income Proof: Latest bank statement not more than 3 months old, latest bank statement not more than 3 months old, ITR with audited financials and computation of income.

The list is indicative and the documents will vary with the individual.

SBI Bank Credit Card Eligibility Criteria

• As a primary cardholder, you must be in the age group of 21 to 70 years
• You must either be a self-employed or a salaried professional
• Your income source must be regular
• A good credit score of 700 and above will get you the best cards

What are the Benefits & Features of SBI Credit Cards?

• Lower Interest Options: Enjoy lower interest rates by transferring outstanding balances from other credit cards to your SBI Credit Card or converting high-value purchases into easy EMIs.
• Encash Facility: Access funds quickly through the Encash facility, enabling you to withdraw cash up to or beyond your credit limit, with disbursement typically within 48 hours.
• ATM Cash Services: Withdraw cash conveniently from over 1 million ATMs worldwide, ensuring funds are always within your reach.
• Contactless Payments: Make payments securely and instantly with the contactless feature, allowing you to tap your card or smartphone at enabled terminals.
• Insurance Coverage: Benefit from insurance options that provide coverage against health emergencies, accidents, card loss, or theft, offering added security in unpredictable situations.
• Utility Bill Payments: Simplify utility bill payments with features like Auto Pay and Fast Pay, ensuring timely payment for services like electricity, mobile, and telephone.
• Easy Access Channels: Manage your account anytime through user-friendly digital platforms, including the SBI Card mobile app and website, offering 24/7 access to card-related services.
• Add-on Cards: Share your card’s benefits with family members by providing free add-on cards for parents, spouses, children, or siblings aged 18 years and above.

SBI Credit Cards – Interest Rate, Fees & Other Charges

SBI Credit Card Interest Rates

SBI Credit Card Late Payment Charges

SBI Credit Cards – Other Fees & Charges

Top 10 SBI Credit Cards 2025– Must Have Credit Cards

1. SimplyCLICK SBI Card – Perfect for online shopping enthusiasts with rewards on e-commerce platforms like Amazon and Flipkart.

2. SimplySAVE SBI Card – Ideal for everyday shopping, offering rewards on grocery, dining, and department store purchases.

3. BPCL SBI Card Octane – A top choice for fuel savings with accelerated rewards on fuel spends and surcharge waivers.

4. SBI Card PRIME – A premium lifestyle card offering milestone benefits, free memberships, and airport lounge access.

5. Apollo SBI Card – Offers health-related benefits with discounts at Apollo hospitals and pharmacies.

6. IRCTC SBI Platinum Card – Designed for train travelers, providing rewards on railway bookings and other perks.

7. Fabindia SBI Card SELECT – A lifestyle card with exclusive rewards and discounts on purchases at Fabindia stores.

8. SBI Card PULSE – Tailored for fitness enthusiasts, offering fitness-related benefits and subscriptions.

9. Paytm SBI Card – Perfect for digital payments with cashback and rewards on Paytm transactions.

10. SBI Card ELITE – A luxury credit card offering premium benefits like concierge services, travel privileges, and entertainment discounts.

Disclaimer: The card features, benefits, process to apply, and all other information specified above are as of when this page was written and are subject to change. For exact information, contact the bank or refer to the official website.

How to pay my SBI Credit Card Bill? Online & Offline Payment Options

Online Payment Options:

NEFT (National Electronic Funds Transfer):

• Add your SBI Credit Card as a beneficiary on your savings account.
• You need to put the IFSC code as SBIN00CARDS
• In the account number field, enter the 16-digit SBI credit card number
• Initiate an NEFT transfer of the bill amount.

Paynet (Online Payment):

• Visit the SBI Card Paynet page.
• Log in to your SBI Card account or proceed as a guest.
• Make the payment through your bank’s net banking service.

UPI (Unified Payments Interface):

• You can pay using any of the UPI Apps on your smartphone.
• For the receiver’s UPI ID field, enter the 16-digit SBI Credit Card number
• Enter payment amount and complete transaction with the PIN.

SBI Card Mobile App:

• Log in to the SBI Card mobile app.
• Select the 'Pay Now' option from the menu.
• You can pay using Netbanking, Debit Card, or UPI option. You can pay the total amount outstanding, minimum amount due, or any other amount you want to pay.

Using a Debit Card:

• Access the SBI Card Paynet page.
• Select the ‘Debit Card’ payment option and provide the required details.
• Complete the transaction to settle your bill.

SBI YONO App:

• Log in to the SBI YONO app.
• Under ‘My Credit Cards’, it will show your SBI Credit Card and the payment due details.
• You can pay directly from your SBI savings bank account.

Standing Instructions:

• Set up automatic payments by enabling standing instructions through your bank’s net banking portal or submitting a mandate form to SBI Card.
• Ensure your bank account has sufficient funds to avoid late payment penalties.

Offline Payment Options:

At SBI Branch (Over the Counter):

• Visit any SBI branch and fill out the pay-in slip with your SBI Credit Card details and the payment amount.

Cheque Payment:

• Write a cheque payable to your SBI Credit Card account using your 16-digit card number as the account reference.
• Drop the cheque at an SBI drop box available at branches or ATMs.

SBI ATM:

• Use your SBI debit card in any of the SBI Bank ATMs.
• Select the ‘Bill Pay’ option and choose ‘SBI Credit Card.’
• Enter card details and the amount you want to pay.

SBI Credit Card Application Status - How to track online?

How to contact SBI Credit Card Customer Care?

For assistance with your SBI Credit Card, you can reach out through the following channels:

Customer Care Numbers:

• Toll-Free: 1800 180 1290
• Alternate Numbers: 1860 500 1290 or 1860 180 1290
• Local Helpline: Dial 39 02 02 02, prefixing your local STD code.

Note:Customer care executives are available from 8 AM to 8 PM, Monday to Saturday.

Email Support:

• General Queries: customercare@sbicard.com
• Transaction Disputes: chargeback@sbicard.com

SMS Services:

• Block Card: Send "BLOCK XXXX" (last 4 digits of your card) to 5676791.

WhatsApp Connect:

• Access Account Information: Register for WhatsApp Connect to receive updates and access your account.

Chatbot – ILA:

• Instant Assistance: Use ILA, SBI Card's Interactive Live Assistant, for information on products and services.

Postal Address:

• Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001

SBI Credit Cards – FAQs

Disclaimer: This page includes information that has been compiled from many sources and is only offered for informational purposes. Since this type of data might change over time, we cannot guarantee that the information supplied or included within it is accurate. It is anticipated that the user would confirm with the relevant source prior to taking any choices or actions.