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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 2024

Bank

Annual fee      :

4999₹

Reward Type  :

LifeStyle

Joining Fee    :

4999₹

Bank

Annual fee      :

499₹

Reward Type  :

Shopping

Joining Fee    :

499₹

Bank

Annual fee      :

499₹

Reward Type  :

Shopping

Joining Fee    :

499₹

Bank

Annual fee      :

1499₹

Reward Type  :

Travel

Joining Fee    :

1499₹

Bank

Annual fee      :

4999₹

Reward Type  :

Travel

Joining Fee    :

4999₹

Bank

Annual fee      :

300₹

Reward Type  :

Travel

Joining Fee    :

500₹

Bank

Annual fee      :

499₹

Reward Type  :

Fuel

Joining Fee    :

499₹

Bank

Annual fee      :

1499₹

Reward Type  :

Shopping

Joining Fee    :

1499₹

Bank

Annual fee      :

1499₹

Reward Type  :

NA

Joining Fee    :

1499₹

Bank

Annual fee      :

2999₹

Reward Type  :

NA

Joining Fee    :

2999₹

Bank

Annual fee      :

2999₹

Reward Type  :

NA

Joining Fee    :

2999₹

Bank

Annual fee      :

499₹

Reward Type  :

NA

Joining Fee    :

499₹

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

You don't need a genie when you've got SBI Credit Card!

Fulfill all your wishes

Get cashbacks

Flexipay EMI

Encash facility

Contactless payments

Apply Now

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

SimplyCLICK 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 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 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

SBI Credit Card How to Apply ?

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

Interest Rates

2.75% per month to 3.50% per month

Add-on Card Fees

Nil

Minimum Finance Charges

Rs. 25

Cash Payment Fees

Rs. 250 plus taxes

Payment Dishonor Fees

2% of the payment amount or Rs. 500, whichever is higher.

Card replacement Fees

Rs. 100 to Rs. 250 (Rs. 1,500 for Aurum Card)

Cheque Payment Fees

Rs. 100

Rewards Redemption Fees

Rs. 99 (On gifts, statement credit, and selected vouchers)

Rent Payment Transaction Processing Fee

Rs. 199

Late Payment Fees

Upto Rs. 500

Nil

From Rs. 501 to Rs. 1,000

Rs. 400

From Rs. 1,001 to Rs. 10,000

Rs. 750

From Rs. 10,001 to Rs. 25,000

Rs. 950

From Rs. 25,001 to Rs. 50,000

Rs. 1,100

More than Rs. 50,000

Rs. 1,300

Forex Charges

3.5% of the transaction amount applicable on all SBI credit cards except Elite and Aurum.

1.99% of the transaction amount applicable on SBI Elite and Aurum credit card variants.

Cash withdrawal fees

2.5% of the cash amount withdrawn or Rs. 500, whichever is higher

Processing Fees for 60 days

2% or Rs. 199, whichever is higher.

Processing Fees for 180 days

Nil

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 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.

Encash Facility on SBI Card

The Encash facility is a preapproved facility given to cardholders. They can get instant cash using the Encash facility. After checking your eligibility, the funds will be transferred to your State Bank of India account within 48 working hours. You can repay it in easy instalments of up to 48 months.The Encash offer is given in excess of the existing credit limit of the user, however the Encash inline is given within the existing credit limit. The transfer of funds will be done through NEFT or National Electronic Funds Transfer. Encash attracts an interest rate and also a processing fee.

SBI 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 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 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 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.

SBI 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 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

Reliance Retail Partners with SBI Cards to Launch Co-branded Credit Card1 Nov 2023

Reliance Retail has joined with SBI card to launch a co-branded credit card. The card comes in two variants - Reliance SBI Card and Reliance SBI Card Prime, and it comes on the RuPay platform. It is best suited for lifestyle and will comes with rewar...

Read more

Reliance Retail has joined with SBI card to launch a co-branded credit card. The card comes in two variants - Reliance SBI Card and Reliance SBI Card Prime, and it comes on the RuPay platform. It is best suited for lifestyle and will comes with rewards for transactions done at various Reliance Retail outlets that include fashion, lifestyle, jewellery, grocery, pharma, and consumer electronics. Cardholders can use the credit card in Reliance's key retail brands like Reliance Fresh Signature, Reliance Smart, Smart Bazaar, Reliance Digital, Reliance Trends, JioMart, Ajio, Reliance Jewels, Urban Ladder, Netmeds, and much more. The annual fee of Reliance SBI Card Prime is Rs. 2,999 plus applicable taxes while that of Reliance SBI card is Rs. 499 plus applicable taxes. Cardholders can enjoy renewal fee waiver on achieving the annual spend milestone of Rs. 3,00,000 on Reliance SBI Card Prime and Rs. 1,00,000 on Reliance SBI Card. Further, they can also benefit from various other offers given by SBI Card.

Latest Changing Regarding SBI Cards9 May 2023

SBI Card has made some revisions in credit card benefits and offers effective May 1, 2023. There are many credit cards given by SBI card and offers vary depending on the card type. Some of the latest changes include the following: Aurum cardholders w...

Read more

SBI Card has made some revisions in credit card benefits and offers effective May 1, 2023. There are many credit cards given by SBI card and offers vary depending on the card type. Some of the latest changes include the following: Aurum cardholders will no longer get the coupon of Rs. 500 from RBL Luxe upon achieving milestone spends of Rs. 5 Lakhs. Instead, they will receive the voucher from Tata CliQ Luxury starting on May 1st, 2023. The Aurum card will no longer provide the EazyDiner Prime and Lenskart Gold Membership benefits. SimplyClick SBI card and SimplyClick Advantage have altered the number of reward points from 5x to 1x from May 1, 2023. Other changes include a reduction of 10x reward points on Lenskart Online purchases with the SimplyClick SBI Card and SimplyClick Advantage credit cards (Still 10x reward points can be earned for purchases made online at Apollo 24/7, BookMyShow, ClearTrip, EazyDiner, and NetMeds) and revision of cash advance fees, processing fee per transaction for rent payment, cash payment fee, payment dishonor fee, cheque payment fee, amongst some others.

SBI Cards Comes Out With Offers For Akshaya Tritiya: Customers to save upto Rs. 5000 on Jewelers27 Apr 2023

SBI cards has come out with offers for its customers for Akshaya Tritiya. Cardholders can now save up to Rs. 5,000 by shopping with the SBI credit card. On transacting for a minimum amount of Rs. 20,000 on Caratlane, SBI credit card users can get an...

Read more

SBI cards has come out with offers for its customers for Akshaya Tritiya. Cardholders can now save up to Rs. 5,000 by shopping with the SBI credit card. On transacting for a minimum amount of Rs. 20,000 on Caratlane, SBI credit card users can get an instant discount of 5 percent subject to a maximum of Rs. 2,000 per card per channel. SBI Credit Card users transacting for a minimum amount of Rs 30,000 can receive a 5 per cent cashback subject to a maximum of Rs 2,500 per card account while shopping on Joyalukkas. On Tanishq, SBI Credit Card users transacting for a minimum amount of Rs 80,000 can get an instant discount of Rs 4,000 per card. There is a 5% cashback subject to a maximum of Rs. 2,500 per card per account on a minimum transaction amount of Rs. 25,000 on Reliance Jewels. SBI Credit Card users can get a flat cashback up to Rs 5,000 on transactions of Rs 1 lakh and above on TBZ. The transactions between Rs 50,000 and below Rs 1 lakh will receive a cashback of Rs 2,500.

SBI Card Set to Revise Cashback Benefits From May 1 - Check The Details Here12 Apr 2023

SBI Cards and Payments will revise some of the services on Cashback SBI cards from 1 May, 2023. The Cashback SBI card will not offer cashback on items like jewellery, school, educational services, utilities, insurance services cards, member financial...

Read more

SBI Cards and Payments will revise some of the services on Cashback SBI cards from 1 May, 2023. The Cashback SBI card will not offer cashback on items like jewellery, school, educational services, utilities, insurance services cards, member financial institutions, quasi cash, railways, and others. The maximum cashback that can be earned on online and offline spends in a statement cycle would be limited at Rs. 5000. The complimentary domestic airport lounge benefits will also be annulled.

SBI Revises Processing Fee on Rent Payments Made Through Credit Cards20 Feb 2023

State Bank of India Cards & Payment Services has revised the charges and fees of SBI Credit Card. The new charges will be levied on users from 17 March 2023. The SBI Processing Fee will be raised from Rs 99 plus applicable taxes to Rs 199 plus applic...

Read more

State Bank of India Cards & Payment Services has revised the charges and fees of SBI Credit Card. The new charges will be levied on users from 17 March 2023. The SBI Processing Fee will be raised from Rs 99 plus applicable taxes to Rs 199 plus applicable taxes. So, from March 17th 2023, SBI card customers who were paying their rent via credit card would be charged Rs 199 + applicable taxes up from Rs 99 + applicable taxes, according to an SMS and email sent to SBI Cards customers. Earlier in November 2022, SBI Cards had hiked the processing fee on rent payments made using credit cards to Rs 99 plus GST at the rate of 18%.

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