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SBI, one of the popular banks in India, offers a wide range of credit products to its customers. With competitive interest rates on loans and credit cards, SBI is a name to reckon in the credit market.
The customers can enjoy numerous benefits on tailor-made SBI
For everyone, the needs are plenty, and it could differ for each of us depending on the lifestyle. Clearly understanding the customer’s spending habits, SBI offers varied credit cards in the following categories.
1. Shopping Card
2. Cashback Card
3. Rewards Card
4. Travel Card
5. Life Time Free Card
6. Business Card
7. Lifestyle Card
8. Entertainment Card
From the above listed credit cards, you can choose the one that suits your priorities and spending behaviour. You can save a huge amount through offers and rewards provided in each category.
Individuals who want to apply for an SBI credit card must meet the following eligibility criteria.
To apply for an SBI credit card, you must fall into the age limit set by the bank. The applicant should be minimum of 21 years old and maximum of 60 years. Anyone falling under this age limit can apply for a credit card with SBI. Add-on credit cardholder should be 18 years old and above.
You must have a regular income to avail an SBI credit card. The income criteria differ according to the features and specifications of the card. You can get an SBI credit card with the minimum of INR 18,000 per month. However, income may vary for other cards based on specifications and features.
The customer should show a proof of steady source of income to avail a credit card from SBI. You can either be a salaried employee working in an established company or a self-employed professional managing your own business.
Nationality: The applicant should be a resident of India or Non-Resident Indian.
The applicant must check the following things while applying for an SBI credit card.
Income of the Applicant: Your income plays an important role while applying for a credit card. This is a proof to the bank that you will be able to pay your credit card bill.
You can also get an SBI credit card against a fixed deposit.
Age of the Applicant: Using a credit card becomes a huge responsibility. An individual gets a steady source of income only after a certain period of years. Hence, the banks are certain about age criteria in giving a credit card as they expect a proper payment every month.
Credit History of the Applicant: Credit history is a clear proof of how an individual manages his/her credit related activities. A good credit history is highly preferred by the lender for offering a credit card.
Nationality Criteria of the Applicant: The applicant should be a resident of India or Non-Resident Indian.
How to Apply for SBI Credit Card?
If you want to apply for an SBI credit card, the process is simple, and you can follow the steps given below to get it.
To apply for an SBI credit card, you need to submit the following documents.
SBI cardholder can get interest free credit period of up to 50 days, however, it is subject to change according the scheme and card. You won’t get an interest free period if the previous month’s balance is not cleared in full on or before due date. Similarly, interest free period is not applicable for withdrawing cash from ATM.
Annual Membership Fee: The cardholder will have to pay annual membership fee for primary and add-on cards as set by the bank. The charges may vary for different cards depending on the schemes. Annual fees will not be refunded to the cardmember at the time of closure of the credit card.
Cash Advance Fees: The cardholder can use the credit card to withdraw money from ATMs in India and abroad any time. For each transaction, a fee of 2.5% of amount withdrawn or INR 300 will be charged, and it will be added in the next monthly bill. ATM transactions do not get interest free period unlike other purchases.
Late Payment Charges: Late payment charges are applicable if minimum amount due is not paid on or before the due date. Following are the late payment charges applicable
The credit limit on the SBI credit cards are determined by the bank at its sole discretion. The available credit limit is communicated to the cardholder at the time of card delivery.
The customer who wants to increase the credit limit can write to the bank asking for increase in the credit limit. While requesting for the increase, the cardholder needs to submit the financial documents such as salary slip, bank statement, income tax returns etc. However, the credit limit increase is determined at the sole discretion of the bank.
You can get in touch with the SBI credit card customer care 24X7 by contacting the following numbers.
You can call the toll-free number 18601801290, 39020202 from your mobile and Landlines in India.
You can also write to SBI on their website in ‘Grievance Redressal’ page and you can post your queries related to credit cards. You may have to enter your name and contact details for further assistance.
You can use the following methods to pay your SBI credit card bills.
SBI Account Holders:
You can register with the bank for net banking facility to make your credit card payments online. After the registration, you can submit a written standing instruction to automatically debit a pre-determined amount from your account. This can help you pay the bills on time and avoid paying interest on late payment.
NEFT: You can pay your credit card bill from any other bank account by using the NEFT facility. The instructions may vary slightly in different banks, but, in most cases you need to add your credit card number as the payee account number to make the payment through NEFT. Any payments made during the working hours on a weekday are credited on the same day while the payments made after working hours are credited on the next business day.
Bill Desk: You can use the SBI Bill Desk web page which is set up to pay your credit card bills. Fill out the required details which also includes the credit card number and payment amount. The customers are then directed to SBI’s net banking portal to complete the credit card bill payment. The customers will receive an online transaction confirmation as well as a Transaction Reference Number after a successful transaction.
You can pay your SBI credit card bills by paying in cash at any one of the branches nearest to you. A processing fee per payment will be charged by the bank when you pay your credit card bill.
If you prefer to pay your credit card bills using cheques, then you can do so in the same way as you would pay your credit card bills by paying cash. You can also drop of the cheques mentioning your credit card number and other required details at the bank ATMs where there are drop boxes for this purpose. The payment will get cleared within 3 working days.
It is now easy to check whether you are eligible to get an SBI credit card at CreditMantri. You can follow the below steps to check your credit card eligibility.
1. Visit the CreditMantri website
2. Click on ‘Credit Cards’ option which will take you to the page where a credit cards from varied banks are listed.
3. You can sort the cards either by bank or categories such as entertainment, cashback, shopping, fuel, rewards, lifestyle and travel.
4. Click on ‘Check Eligibility’ which is displayed against the credit card you choose from the page.
5. You will now be directed to a page where you will have to fill up personal and contact details such as name, email id, mobile number, gender etc. Click on ‘Next’ to proceed to the next step.
6. You will now be asked to submit your income details and after which you will be shown credit cards that you are eligible for. You can choose any of them from the list and apply for it.
CreditMantri pre-screens your application and suggests the lender who suits your eligibility and is willing to lend to you. This increases the chances of approval rate and helps you get the right loan or credit card much easier.
1. What are the factors determining my SBI Credit Card Eligibility?
Here are the primary criteria that you have to fulfil to apply for an SBI credit card:
21 to 60 years
Minimum of Rs. 20,000 per month
Salaried or Self-Employed
Up to 50 days
ATM Cash Withdrawal Charges
3.0% of the amount withdrawn or Rs. 300 (whichever is higher)
2. Where can I apply for an SBI Credit Card?
You can apply for an SBI credit card on the SBI website or at your nearest bank branch.
3. Do I have to be an existing customer of SBI Bank to apply for their credit card?
No, not necessary; you don’t have to be an existing SBI customer to apply for their credit card. Even if you don’t have an account with SBI you can still apply for an SBI credit card.
4. What is the credit-free period available on an SBI Credit Card?
You can get a credit-free period of up to 50 days on your credit card bill.
5. Is there a joining fee to get an SBI credit card?
The joining fee differs for each card. The least joining fee is at Rs.499 for SBI SimplyCLICK Credit Card. The joining fee for the selected card shall be informed to you at the time of submitting the application.
6. Is SBI credit card available for foreign nationals staying in India?
No, SBI credit cards are available for Indian residents and NRIs only.
7. What are the documents required to apply for an SBI credit card?
Here are the basic documents required to apply for an SBI credit card:
8. How is the credit limit on my SBI credit card determined?
The credit limit on your SBI credit card is determined based on your monthly income and credit score.
9. How many variants for SBI credit cards are available?
SBI offers around 36 variants for credit cards to suit varying individual needs.
10. How can I figure out which SBI card I'm eligible for?
Visit the 'Simplyfier' section of sbicard.com to find out which SBI card is better suited for you. You will be suggested the right card based on your needs and spending habits.
11. I don't have any other credit card. Can I still apply for an SBI credit card?
Yeah, you can apply for an SBI card even though you don't own another credit card. Your credit card application shall be processed on the information you have provided and your credit score from a credit bureau.
10. I already have an SBI credit card and I want to get another SBI card. How can I apply for an additional SBI card or upgrade my existing SBI card?
You can log in to your SBI Card Online account if you want to update your existing SBI Card. If you are registered for an upgrade bid, you can see the 'Card Upgrade' icon on the left side of the screen. Alternatively, you can also contact the SBI Card Helpline to check whether you qualify for a pre-approved Card Upgrade offer. If you want to apply for an additional SBI Card, on the online application form for the SBI Card you want to apply for, you can pick 'Yes' for the 'Do you have an SBI Card' question and fill in the necessary information. SBI executives will call you to verify the required information before forwarding your application.
G praveen babu
thank you for good information... i wish you good career.
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