SBI Credit Cards

SBI Credit Card Annual & Renewal Fees

SBI Card fees vary by card. The table below shows the annual and renewal fees. Some cards may offer a renewal fee waiver based on annual spending.

Note: Fees are subject to applicable taxes, card-specific terms and changes by SBI Card. Verify the latest fee before applying.

SBI Bank Credit Card Eligibility Criteria

SBI Card eligibility requirements may vary depending on the card and applicant profile. Common criteria include:

• As a primary cardholder, you must be in the age group of 21 to 60 years
• You must either be a self-employed or a salaried professional
• Your income source must be regular
• Banking Relationship: An existing banking relationship is not mandatory for applying
• A good credit score, preferably in the range of 750-900
• Location: The applicant’s residential address must be within an area serviced by SBI Card

Documents Required to Apply

You may need to submit the following documents when applying online:

• PAN Card: Required for digital KYC.
• Aadhaar Card: With the first 8 digits masked, or another valid government-issued address proof.
• Income Proof: Salary slips, ITR or other income documents, if required based on the card and eligibility criteria.

How to Apply for an SBI Credit Card Online?

You can apply online in a few simple steps:

• Visit the Credit Cards section and select a card that matches your spending needs.
• Click Apply Now and enter the required details in the online application form.
• Review your information and submit the application for assessment.
• If required, the SBI Card team may contact you to verify your details.
• Once the necessary checks are completed and the application is approved, the card will be issued.

You can also start the application directly through the SBI Card online application page.

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’

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.

Suggested Read: Best Credit Cards For Utility Bill Payments

SBI Credit Cards – Interest Rate, Fees & Other Charges

Late Payment Charges

Other Fees & Charges

SBI Credit Card Interest-Free Period

The interest-free credit period can range from 20 to 50 days for eligible retail purchases, subject to the applicable terms and merchant claim submission. The actual period depends on factors such as your billing cycle and transaction date.

The interest-free period is suspended if any balance from the previous month's bill remains unpaid. To retain the interest-free benefit on eligible purchases, pay the previous statement balance in full by the due date.

Cash withdrawals do not have an interest-free period. Finance charges apply from the date of the cash withdrawal until the amount is paid in full.

How to Contact SBI Credit Card Customer Care?

You can contact SBI Card customer support through phone, email, WhatsApp, SMS, the ILA chatbot or postal correspondence, depending on the type of assistance you need.

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

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.