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SBI Credit Cards

Check your SBI Credit Card eligibility

Get exclusive benefits, offers, and more with SBI Credit Cards

Note: It will not affect your score

Best SBI Credit Cards in India 2022

SBI Elite Credit Card

Annual fee      :

4999₹

Reward Type  :

LifeStyle

Joining Fee    :

4999₹

SimplyCLICK SBI Credit Card

Annual fee      :

499₹

Reward Type  :

Shopping

Joining Fee    :

499₹

SimplySAVE SBI Credit Card

Annual fee      :

499₹

Reward Type  :

Shopping

Joining Fee    :

499₹

Air India SBI Platinum Credit Card

Annual fee      :

1499₹

Reward Type  :

Travel

Joining Fee    :

1499₹

Air India SBI Signature Credit Card

Annual fee      :

4999₹

Reward Type  :

Travel

Joining Fee    :

4999₹

IRCTC SBI Platinum Credit Card

Annual fee      :

300₹

Reward Type  :

Travel

Joining Fee    :

500₹

Pulse SBI Credit Card

Annual fee      :

1499₹

Reward Type  :

Shopping

Joining Fee    :

1499₹

Apply for other SBI Credit Cards

SBI Credit Card Documents Required

SBI Card Documents Required

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

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
  • You must have a good credit score.

Quick Links To Handle Your SBI Credit Card

There are various procedures associated with the State Bank credit card. Here are some quick links to handle your State Bank credit card

Types of Credit Cards Offered by SBI

SBI offers multiple types of credit cards like

Shopping: These are credit cards that are especially made for shopping be it online or offline with great benefits in the form of reward points or cash backs. The cards provided by SBI in this category are

Simply CLICK SBI Credit Card

SBI SimplyCLICK credit card is tailor made for the online generation with great rewards on online purchases. With fuel surcharge waiver, easy payment of bills and a plethora of other benefits, this is one the best cards out in the market.

STYLEUP Contactless Credit Card

STYLEUP Contactless credit card is tailor made for people who are ardent shoppers staying in sync with the latest fashion trends. With fuel surcharge waiver, and 10 times rewards for fine dining this is one the best co-branded cards out in the market.

SimplySAVE SBI Credit Card

SimplySAVE SBI Credit Card is tailor made for the online generation with great rewards on shopping, dining and watching movies. With fuel surcharge waiver, easy payment of bills and a plethora of other benefits, this is one the best cards out in the market.

Lifestyle: These are credit cards which provides benefits for dining, movie tickets, etc. This is also called fun credit cards as they give benefits for more experience-oriented services. For example, a credit card will give more rewards for dining or give 2 complementary tickets each month. The cards provided by HDFC in this category are.

SBI Elite Credit Card

SBI Elite Credit Card credit card is what privilege means. With 5 times reward points for dining and shopping while providing fuel surcharge waiver, easy payment of bills. You get access to Trident hotel and complementary international and Indian airport lounges. This is one the best elite cards available in the market.

Travel:
These are credit cards made for people who love to travel and get benefits in form of reward points or miles which can be redeemed for attractive gifts or free tickets. The cards provided by American Express in this category are

Air India SBI Signature Credit Card

The Air India SBI Signature Credit Card is designed to provide maximum benefits for those who wish to travel frequently by air, it also gives the option to convert reward points into Air India miles. The users also get exclusive access to 600 airport lounges across the world.

The rewards this card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

Yatra SBI Credit Card

Yatra SBI Credit Card is one of the best travel credit cards with discounts for buying tickets, redeemable rewards points for spending every Rs.100 and providing fuel surcharge waiver with easy payment of bills. This is one the best travel cards available in the market.

Mumbai Metro SBI Credit Card

The Mumbai Metro SBI Credit Card is designed to provide maximum benefits for those who wish to travel frequently the metro in Mumbai, it gives a good discount up to 20% and earn rewards for the same. The users also get rewarded on their daily shopping when they pick up groceries at all outlets.

The rewards this card offers makes it a desirable option, provided that all credit card dues are paid consistently every month.

IRCTC SBI Platinum Credit Card

RBL Website

IRCTC SBI Platinum Credit Card is one of the best travel credit cards with 10 value back for buying tickets and providing fuel surcharge waiver with easy payment of bills. Get reward points for spending money which is easily redeemable. This is one the best travel cards available in the market.

Air India SBI Platinum Credit Card

You can earn 15 Reward Points per INR 100 on all Air India spends which includes tickets booked on the Air India website, booking offices and through the mobile app. Air India SBI Platinum card also provides the option of converting the reward points into air miles.

You can earn 5000 and 10,000 bonus reward points on achieving annual spends of INR 2 lakhs and INR 3 lakhs.

The user can enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India

How to Apply For An 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’

Online Apply Through The Bank’s Website

  • Go to the SBI card apply page.
  • Choose the credit card that you want to apply for and click “Apply Now”
  • Enter the details required and click ‘Send OTP’
  • Enter the OTP received for verification
  • Enter professional details and current residential address
  • Proceed with the necessary steps and submit the application

Offline

  • You can also apply for the SBI bank credit card offline by contacting customer care or 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.

Fees and Charges of SBI Bank Credit Cards

The credit card fees and charges will differ according to the card. The list shown below consists of the general fees and charges

Joining or Annual fees

Varies with the card

Finance Charges

Up to 3.5% per month| 42% per annum

Late payment charges

Nil to 1300 depending on the balance

Few other charges may vary across cards

SBI Credit Card Benefits & Features

Credit cards have many uses apart from the rewards you get from spending using your credit cards. The following is list of uses that credit cards can provide you


1. Sign on bonuses: Some of the credit cards from SBI provide sign on bonus or gifts as a thank you for signing with the bank. This is a great reward which will offset any joining fees paid already and get even more.

2. Rewards: Reward points are offered for any transaction that is made using your SBI credit card. These reward points can be accumulated to obtain a great gift, or the points can be redeemed for cashback. Either way customer is the winner.

3. Frequent flyer miles: This is useful for people to travel by plan frequently. They get “miles” as reward for using your SBI credit card to pay for airline ticket. With enough points you can avail discount on future tickets or you may be able to get tickets for free. Also, with some credit cards you get access to airport lounges which could be a life saver in case of delayed flights.

4. Cashback: Some SBI credit cards also provide cashback on certain spends like 5% cashback for shopping online, 5% cashback for using your credit card to pay utility bills. This is a great way to save money on your spends.

5. Keeping vendors in check: Credit cards help in keeping vendors in check. Customers have the option to cancel payment or even if already paid the ability to revert payment if they feel the product they bought is below par. This way the vendors who provide the products will stay honest and provide better quality goods.

6. Insurance: Many credit cards come with insurance like travel insurance which can be availed. Many card holders don’t even realize they are protected and don’t utilize these facilities. It is bet to read the terms and conditions before you get a credit card and also know every feature available.

7. Universal acceptance: Unlike debit cards credit cards have universal acceptance. If you go to any foreign country, you can spend money by using your credit card and not go searching for a currency exchange center or ATM.

8. Instant Loan: Your credit limit is a source of loan which can be accessed immediately without requiring any approvals. This can be very useful in case of emergencies. There is also the option to convert your credit card bill to an EMI if you cannot pay back the bill immediately.

9. Credit score improvement: When you pay your credit card bill on a regular basis it will improve your credit score. As different credit or credit mix also forms a part of credit score, a credit card will help improve your score from that aspect as well.

Thus, credit cards provide a card holder a plethora of benefits.

SBI Bank Credit Card Customer Care

SBI has very good customer services in place to help users solve any queries regarding the credit cards. You can contact SBI Credit Card customer service through any of the following:

  • You can call through any of these numbers: 1800 180 1290 (SBI credit card customer care toll free number)
  • 1860 500 1290
  • 1860 180 1290
  • 39 02 02 02 (prefix: the local STD code)

SBI Bank Credit Card Application Status

Just as customers can apply for an SBI bank credit card online, they can also track the application status online. Customers can track the application status through the SBI website, by contacting the customer care, and visiting the SBI branch.

SBI Bank Credit Card Bill Payment

You should always make timely payment of your credit card bills. Defaulting on credit card bills will hurt your credit score and also lead to the accumulation of interest charges. There are multiple ways like netbanking, mobile banking, ATM funds transfer, autopay, NEFT, RTGS, cash, and cheque.

SBI Bank Credit Card Balance Enquiry

You should check your SBI Bank credit card balance status regularly. It helps you to stay within the credit limit and thus keep a low credit utilization ratio. It helps to plan your finances. SBI offers many methods to check the credit card balance, such as netbanking, SMS alerts, customer service, by visiting a branch, through ATM, mobile app, and monthly statements.

SBI Bank Credit Card Netbanking

SBI Net Banking services offered by SBI bank can be used by customers to make their payments on time and from the comfort of anywhere, use auto debit feature and stop worrying about late payments on their credit card buys, view credit card transaction details, check credit card limit and balance, transfer funds, and block the credit card in case of theft or loss of the card.

Closure or Cancellation of Your SBI Bank Credit Card

An SBI bank cardholder can terminate his/her SBI bank credit card by writing to the bank or by calling the SBI bank credit card customer care centers that are there for providing support to the customers.

Conclusion

SBI bank has credit cards well designed for every financial need of its users. So, apply for an SBI credit card through CreditMantri and enjoy the unlimited offers and privileges.

SBI Credit Card FAQ

1. What is the eligibility criteria for getting a SBI Credit Card?

You need to be above 21 years old and below 65 years old with a steady income of at least Rs.3,00,000 per annum as a self-employed or working in a reputed company.

2. How to do SBI credit card bill payment?

You can pay the bill on the SBI website by logging into their internet banking portal or you can download their mobile app which also has the option of SBI credit card bill payment. The offline method is where you can pay your bill at any SBI branch.

3. Why was my SBI credit card application rejected?

It could be any number of reason from low credit score, eligibility criteria etc. You should wait for the rejection letter which will have all the details and reason for rejection. If you have further queries you can contact SBI credit card customer care for further information.

4. How can I check my credit card usage?

You can check your credit card usage or balance through Net banking, Mobile banking, visiting the nearest branch, ATM, calling customer service or opt for monthly statements and SMS alerts.

5. What is the credit limit for SBI credit cards?

This is the amount of credit available for using at a specific point in time. If your maximum limit is Rs. 2 Lakhs and you spend Rs. 10,0000, the available credit limit will be Rs. 1 Lakh. The SBI card cash limit varies from one customer to another.

6. What is the maximum balance required in an SBI bank account?

There is nothing like a maximum balance in a savings bank account, except for the minors account and BSBDA-Small Account.

7. What is the minimum balance required for SBI?

An average balance of Rs. 10,000 for metro or urban areas, Rs. 5,000 for semi-urban locations, and Rs. 2,000 for rural locations is required for the SBI regular savings accounts.

How to Apply for SBI Credit Card on CreditMantri.com

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Latest & Update Sbi Credit Card News

State Bank of India To Charge Processing Fees For Rent Payments Made Through Credit Cards22 Nov 2022

The State Bank of India (SBI) will levy processing fees on rent payments made through credit cards. The bank has also hiked the processing fee on merchant EMI transactions. SBI has informed its customers about the hike in processing fees through an S...

Read more

The State Bank of India (SBI) will levy processing fees on rent payments made through credit cards. The bank has also hiked the processing fee on merchant EMI transactions. SBI has informed its customers about the hike in processing fees through an SMS and has said that the new charges will be applicable from November 15, 2022. Post the hike, SBI will charge a processing fee of Rs. 199 on merchant EMI transactions (which was Rs. 99 earlier) plus GST at the rate of 18%. Processing fee on rent payment transactions will be Rs. 99 + applicable taxes.

SBI Card Partners With Aditya Birla Finance to launch a Lifestyle Credit Card5 Jul 2022

SBI Card has partnered with Aditya Birla Finance to launch a new credit card named Aditya Birla SBI Card, a highly rewarding lifestyle credit card that provides reward points on every spending across multiple industries such as fashion, travel, di...

Read more

SBI Card has partnered with Aditya Birla Finance to launch a new credit card named Aditya Birla SBI Card, a highly rewarding lifestyle credit card that provides reward points on every spending across multiple industries such as fashion, travel, dining, telecom, hotels, and entertainment. It also has exciting offers on both premium and mass brands owned by the Aditya Birla Group. The card arrives in two variants - Aditya Birla SBI Card SELECT & Aditya Birla SBI card available on the Visa platform. The card provides an added benefit of accelerated reward points on spending in hotels, a key benefit for travelholic. Through Aditya Birla SBI Card SELECT, cardholders can get 20 reward points on every Rs. 100 spent in Aditya Birla stores. Earn reward points of 10 for every Rs 100 swiped at dining, entertainment, and hotels. The joining or annual renewal fee for Aditya Birla SBI Card is Rs 499 and Aditya Birla SBI Card SELECT is Rs 1499.

SBI Bank Collaborates with Nature’s Basket to launch International Gourmet Cards24 Mar 2022

SBI card has announced its tie-up with one of the fast-growing premium grocery brand Nature’s Basket to launch a co-branded Nature’s Basket SBI Credit Card. This new card is an important addition to the SBI robust premium card portfolio. The co-brand...

Read more

SBI card has announced its tie-up with one of the fast-growing premium grocery brand Nature’s Basket to launch a co-branded Nature’s Basket SBI Credit Card. This new card is an important addition to the SBI robust premium card portfolio. The co-branded credit card is designed to address the consumer’s lifestyle-related spending like grocery and gourmet. The New card comes in two variants like Nature’s Basket SBI Card and ‘Nature’s Basket SBI Card Elite to enable the consumers to get maximum value on every swipe at Nature’s Basket stores and other lifestyle-related categories like travel, dining, and entertainment.

NPCI Collaborates with Yatra.com & SBI cards to Introduce contactless Credit cards4 Mar 2022

The National Payments Corporation of India has announced its new tie-up with SBI cards and Yatra.com to launch one of their best-selling co-branded ‘Yatra SBI contactless credit cards’ on the RuPay network. This card is exclusively made for travelers...

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The National Payments Corporation of India has announced its new tie-up with SBI cards and Yatra.com to launch one of their best-selling co-branded ‘Yatra SBI contactless credit cards’ on the RuPay network. This card is exclusively made for travelers and holiday lovers to get benefits on the first flight and hotel booking. This benefit is applicable 6 times a year. As a welcome gift, the card users will get Yatra.com vouchers worth Rs 8,250. With every swipe of Rs 100, the users will get 6 reward points. The added features of this travel delights are air accident insurance cover of Rs 50 lakh and for INR 1 lakh spend the consumer will get an annual fee waived.

SBI Card Partners with FabIndia to Introduce FabIndia SBI Credit Card 21 Jul 2021

SBI Card has partnered with leading Indian handcrafted products and apparel manufacturer FabIndia to launch FabIndia SBI Card, a contactless credit card. The card will offer a rewarding shopping experience to regular FabIndia customers and is availab...

Read more

SBI Card has partnered with leading Indian handcrafted products and apparel manufacturer FabIndia to launch FabIndia SBI Card, a contactless credit card. The card will offer a rewarding shopping experience to regular FabIndia customers and is available in two variants – FabIndia SBI Card and FabIndia SBI Card Select. Further details of the card – eligibility, features and benefits – can be found on the FabIndia website or SBI Card portal.

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