State Bank of India offers multiple credit cards to meet the financial needs of individual cardholders. SBI cards offer rewards for travel, shopping, dining, and more. You can also enjoy benefits like cashback and low-interest rates, among others. If you are looking for a new credit card, take a look at the features and benefits of SBI cards to choose one that best suits you.
Key Features of SBI Credit Cards
SBI cards are categorised as premium cards, shopping and travel cards, classic cards and exclusive cards. Each card is unique and has special offers like free movie tickets, concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment and many more.
SBI Lifestyle Credit Cards
SBI Card ELITE
Highlights: Enjoy lifestyle benefits on using this card
Joining Fee: Rs.1,499 plus taxes
Renewal Fee: Rs.1,499 plus taxes
Features and Benefits
- Up to 50,000 Bonus Reward Points each year.
- Earn five Reward Points per Rs.100 spent on Dining, Departmental stores and Grocery spends.
- Two Reward Points per Rs.100 spent on other expenses (except fuel).
- Low foreign currency mark-up charge of 1.99%.
Doctor's SBI Card in Association with (IMA)
Highlight: A comprehensive credit card designed specifically to provide benefits to doctors and medical practitioners.
Joining Fee: Rs.4,999 plus taxes
Renewal Fee: Rs.4,999 plus taxes
Features and Benefits
- The only credit card to be associated with the Indian Medical Association.
- Professional indemnity insurance coverage of Rs.20 lakh.
- 5x Reward Points on purchases made on National Doctor’s Day (1 July).
- 5x Reward Points on medical supplies, international spends, and travel bookings.
- 1x reward point on every Rs.100 spent.
- Get a welcome gift worth Rs.1,500 from Yatra.
SBI Card Pulse
Highlight: Avail this credit card to enjoy benefits to help you get fitter
Annual Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- Make a Sound ColorFit Pulse 2 Max Smart Watch, valued at Rs. 5,999, upon completion of the enrollment fee
- Receive a complimentary one-year membership to FITPASS PRO, which is awarded annually upon card renewal.
- Receive a complimentary one-year Netmeds First Membership, which is awarded annually upon card renewal.
- Get 10 Reward Points for every Rs. 100 spent on dining, movies, chemists and chemists.
- Earn two reward points for every rupee you spend on other purchases.
- Earn an E-Voucher worth Rs. 1,500 upon reaching an annual retail spend of Rs. 4 lakh.
SBI Card Elite Advantage
Highlights: Enjoy lifestyle benefits on using this card
Joining Fee: Rs.4,999 + GST
Renewal Fee: Rs.4,999 + GST
Features and Benefits
- Earn up to Rs. 12,500 worth of Bonus Reward Points annually.
- Get 5 times the reward points for dining, shopping at department stores, and groceries.
- Get 2 Reward Points for every Rs. 100 spent on other purchases.
- Receive a free Rs. 1 lakh credit card fraud liability cover.
SBI Rewards Cards
SBI Card PRIME
Highlights: Credit card by SBI which offer benefits on shopping, dining, travelling, etc.
Joining Fee: Rs.2,999 + GST
Renewal Fee: Rs.2,999 + GST
Features and Benefits
- 20 Reward Points for every Rs.100 spent on your birthday.
- Ten Reward Points for every Rs.100 spent on movies, groceries, dining, and purchases at departmental stores.
- Waiver of annual fees when you spend a minimum of Rs.3 lakh in a year.
- Complimentary Trident Privilege Red Tier membership.
- Get an E-Welcome Gift voucher worth Rs.3,000 from brands like Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.
- E-Gift Voucher worth Rs.7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs.5 Lakhs.
Apollo SBI Card
Highlights: Enjoy cashback and discounts on Apollo services using the credit card for both online and offline spends
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST from second year onwards
Features and Benefits
- Up to 10% off selected Apollo services.
- 3x Reward Points for every Rs.100 spent on any Apollo service.
- Annual Fee Waiver on spending Rs.1,00,000 or more in a year.
- Get complimentary Apollo Gold Tier Membership.
- Maximum Surcharge Waiver of Rs.100 monthly.
- 1% fuel surcharge waiver across India.
Cashback SBI Card
Highlights: Enjoy cashback on using the credit card for both online and offline spends
Joining Fee: Rs.999 + GST
Renewal Fee: Rs.999 + GST from second year onwards
Features and Benefits
- 5% cashback on all online transactions without merchant restriction.
- 1% cashback on offline purchases.
- 1% fuel surcharge waiver on fuel transactions all over India.
- Waiver of annual fee when you spend a minimum of Rs.2 lakh in a year.
Aditya Birla SBI Card SELECT
Highlights: Use the credit card to avail benefits on shopping from Aditya Birla fashion and retail stores
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST from second year onwards
Features and Benefits
- Receive 6000 Reward Points, valued at Rs. 1500, upon paying the yearly fees.
- Earn 3000 Rewards Points as a Milestone Reward when you spend Rs.1.5 lakh annually.
- Earn 20 Reward Points for every rupee worth spend at the following Aditya Birla Fashion stores and online: Ted Baker, American Eagle, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, American Eagle, and Louis Philippe.
Aditya Birla SBI Card
Highlights: Use the credit card to avail benefits on shopping from Aditya Birla stores
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST from second year onwards
Features and Benefits
- Receive Rs. 500 in reward points when you pay your annual fees: 2000.
- Earn 2000 Rewards Points as a Milestone Reward when you spend Rs. 1 lakh annually.
- Earn ten reward points for every rupee that is spent at Aditya Birla Stores.
- Earn five reward points for every rupee 100 spend on lodging, entertainment, and dining.
OLA Money SBI Card
Highlights: Use the credit card to avail benefits related to Ola
Joining Fee: Nil
Renewal Fee: Rs.499 + GST from second year onwards
Features and Benefits
- Get 7% of all Ola rides as Reward Points.
- From the second year onwards, the Rs. 499 renewal cost is waived on the Rs. 1 lakh yearly expenditure.
- On all other purchases, earn 1% reward points.
SBI Card PRIME Advantage
Highlights: Use the credit card to avail benefits on shopping from lifestyle stores
Joining Fee: Rs.2,999 + GST
Renewal Fee: Rs.2,999 + GST
Features and Benefits
- Earn 20 Reward Points for every Rs. 100 spent on a Birthday Welcome e-gift Voucher from any of the following brands: Shoppers Stop, Yatra.com, Bata/Hush Puppies, and Pantaloons, worth Rs. 3,000.
- Get 20 Reward Points for every Rs. 100 paid on utility bill payments on a standing order; the maximum amount of Reward Points you may earn in a month is 3,000.
- Get 10 Reward Points for every Rs. 100 spent on dining, shopping at department shops, groceries and movies.
Paytm SBI Card SELECT
Highlights: Use the credit card to avail benefits through Paytm
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- Get a free Paytm First Membership.
- Additionally, add Rs. 750 to your Paytm Wallet as cashback.
- 1% cashback on all other purchases made through the Paytm App; 5% cashback on Paytm Mall, Movies and Travel; and 1% cashback on all other purchases made through millions of offline and online retailers.
Paytm SBI Card
Highlights: Use the credit card to avail benefits through Paytm
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Receive a free Paytm First Membership.
- 1% Cashback on all further purchases made across millions of offline and online retailers; 3% Cashback on Paytm Mall, Movies and Travel; 2% Cashback on all other Paytm App purchases
SBI Shopping Credit Cards
Reliance SBI Card
Highlights: Use the credit card to avail benefits related to Reliance retail
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Receive a Rs.500 Reliance Retail Voucher with payment of your membership costs.
- Waiver of renewal costs for yearly expenditures exceeding Rs.1 lakh in the preceding year.
- A Rs.500 Reliance Retail Voucher for yearly expenditures exceeding Rs.25,000 at participating Reliance Retail Stores
- 5 Reward Points for every Rs.100 spent at participating Reliance Retail Stores.
Reliance SBI Card Prime
Highlights: Use the credit card to avail benefits related to Reliance retail
Joining Fee: Rs.2,999 + GST
Renewal Fee: Rs.2,999 + GST
Features and Benefits
- Upon payment of membership fees, receive a Rs.3,000 Reliance Retail coupon.
- Rs.1,500 worth of Reliance Retail Voucher on Annual Spends of Rs.75,000 at Participating Reliance Retail Stores
- 10 Reward Points for every Rs.100 spent at Participating Reliance Retail Stores
- Waiver of renewal costs on Annual Spends of Rs.3 lakh in the previous year.
FABINDIA SBI CARD SELECT
Highlights: Use the credit card to avail benefits related to FABINDIA
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- A gift card from Fabindia valued Rs.1500
- Present Voucher valued at Rs.1250 from well-known brands upon reaching quarterly spending milestones of Rs.2 lakh.
- Each Rs.100 bought at Fabindia outlets earns you 10 Reward Points.
- Every 100 spend on dining, entertainment, and movies earns you 3 reward points.
- Waiver of annual fees upon attaining Rs.2 lakh in spending each year
FABINDIA SBI Card
Highlights: Use the credit card to avail benefits related to FABINDIA
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- A gift card from Fabindia valued Rs.500
- Present Voucher valued at Rs.750 from well-known brands upon reaching quarterly spending milestones of Rs.1 lakh.
- Each Rs.100 bought at Fabindia outlets earns you 5 Reward Points.
- Every 100 spend on dining, entertainment, and movies earns you 2 reward points.
- Waiver of annual fees upon attaining Rs.1 lakh in spending each year
SPAR SBI Card PRIME
Highlights: Use the credit card to avail benefits related to SPAR Hypermarket
Joining Fee: Rs.2,999 + GST
Renewal Fee: Rs.2,999 + GST
Features and Benefits
- Receive 12,000 additional reward points, which are worth Rs.3,000, when your annual fees are paid.
- Get 15 Reward Points for every Rs.100 purchased at Lifestyle, Home Centre, Max, and Spar, as well as at online and retail landmark stores.
- For every Rs.100 spent at Dining & Movies, get 10 Reward Points.
- Benefits for reaching milestones totaling up to 58,000 RP, or Rs.14,500.
- Get 20,000 extra Reward Points for every Rs.5 lakh in total annual retail spending.
Lifestyle Home Centre SBI Card SELECT
Highlights: Use the credit card to avail benefits related to Lifestyle Home Centre
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- Receive 6000 additional reward points, which are worth Rs.1500, when your annual fees are paid.
- Get 10 Reward Points for every Rs.100 purchased at Landmark Stores both online and in-store.
- Cumulative milestone benefit of Rs.8,600, or 34,400 RP, is offered.
- Get 12,000 additional Reward Points for spending Rs.3 lakh on retail purchases in total each year.
Max SBI Card Select
Highlights: Use the credit card to avail benefits related to Max
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- Get 6,000 additional reward points, which are worth Rs.1,500, when you pay your annual fees.
- Get 10 Reward Points for every Rs.100 purchased at Landmark Stores both online and in-store.
- cumulative milestone incentive of Rs.8600, or up to 34400 RP.
- Get 12,000 additional Reward Points for spending Rs. 3 lakh on retail purchases in total each year.
SPAR SBI Card SELECT
Highlights: Use the credit card to avail benefits related to SPAR Hypermarket
Joining Fee: Rs.1,499 + GST
Renewal Fee: Rs.1,499 + GST
Features and Benefits
- Receive 6,000 additional reward points, which are worth Rs.1,500, when your annual fees are paid.
- Get 10 Reward Points for every Rs.100 purchased at Lifestyle, Home Centre, Max, and Spar, as well as at online and retail landmark stores.
- For every Rs.100 spent at Dining & Movies, get 10 Reward Points.
- Benefits for reaching milestones totaling up to 34,400 RP, or Rs.8,600.
- Get 12,000 extra Reward Points for every Rs.3 lakh in total annual retail spending.
Lifestyle Home Centre SBI Card
Highlights: Use the credit card to avail benefits related to Lifestyle Home Centre
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Receive 2000 additional reward points, which are worth Rs.500, when your annual fees are paid.
- Get 5 Reward Points for every Rs.100 purchased at Landmark Stores both online and in-store.
- Cumulative milestone benefit of Rs.4,000, or 16,000 RP, is offered.
- Get 8,000 additional Reward Points for spending Rs.2 lakh on retail purchases in total each year.
Max SBI Card
Highlights: Use the credit card to avail benefits related to Max
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Get 2,000 additional reward points, which are worth Rs.500, when you pay your annual fees.
- Get 5 Reward Points for every Rs.100 purchased at Landmark Stores both online and in-store.
- cumulative milestone incentive of Rs.4000, or up to 16000 RP.
- Get 8,000 additional Reward Points for spending Rs.2 lakh on retail purchases in total each year.
SPAR SBI Card
Highlights: Use the credit card to avail benefits related to SPAR Hypermarket
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Receive 2,000 additional reward points, which are worth Rs.500, when your annual fees are paid.
- Get 5 Reward Points for every Rs.100 purchased at Lifestyle, Home Centre, Max, and Spar, as well as at online and retail landmark stores.
- Benefits for reaching milestones totaling up to 16,000 RP, or Rs.4,000.
- Get 8,000 extra Reward Points for every Rs.2 lakh in total annual retail spending.
SimplyClick SBI Card
Highlights: Use the credit card to earn reward points and enjoy various benefits
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
- 10x Reward Points on online shopping transactions on selected merchant websites, such as Apollo24X7, BookMyShow, Cleartrip, Eazydiner & Netmeds.
- 5x Reward Points on other online spends.
- Online voucher worth Rs.2,000 on total annual online spend of Rs.1 lakh and Rs.2 lakh.
- Annual fee reversed for yearly spend of Rs.1 lakh.
- Get 1% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000.
SimplySAVE UPI SBI Card
Highlights: Use the credit card to make UPI payments and earn reward points
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
- Ten Reward Points for every Rs.150 spent on groceries, dining, movies, and purchases made at departmental stores.
- One Reward Point for every Rs.150 spend on other purchases.
- Spend at least Rs.2,000 within 60 days of card approval to receive 2,000 bonus Reward Points.
- 1% fuel surcharge waiver at any petrol pump.
FBB SBI STYLEUP Card
Highlights: Use the credit card to avail benefits from FBB shopping
Joining Fee: Rs.499 + GST
Renewal Fee: Rs.499 + GST
Features and Benefits
- Year-round upfront discount* of flat 10% when you purchase school bags, backpacks, footwear, accessories, and fashion apparel at fbbonline.in, fbb, and Big Bazaar Store
- 10X Reward Points on all of your dining expenses as well as your purchases at Big Bazaar, Standalone FBB, and Food Bazaar stores.
- Earn one reward point for every rupee you spend on all other retail purchases (fuel excluded).
- Upon payment of annual fees, receive a welcome gift* of an FBB gift voucher worth Rs. 500 within 15 days.
- An annual anniversary gift* of 2,000 Bonus Reward Points
Central SBI Select+ Card
Highlights: Use the credit card to avail benefits on shopping from Central Stores
Joining Fee: Rs.2,999 + GST
Renewal Fee: Rs.2,999 + GST
Features and Benefits
- Central e-gift cards in the amount of Rs. 3000
- Free m-coupons for the first three months, each worth Rs. 500.Every voucher has a three-month expiration date.
- For every Rs. 100 spent at any Central Store, earn 20 Select Points.
- For every Rs. 100 spent on dining and movies, earn 10 Select Points.
- 2 Select Points for each additional Rs. 100 spent at retail
Central SBI Select Card
Highlights: Use the credit card to avail benefits on shopping from Central Stores
Joining Fee: Rs.750 + GST
Renewal Fee: Rs.750 + GST
Features and Benefits
- Central e-gift cards in the amount of Rs.750
- Free m-coupons for the first three months, each worth Rs.250.Every voucher has a three-month expiration date.
- For every Rs. 100 spent at any Central Store, earn 10 Select Points.
- For every Rs. 100 spent on dining and movies, earn 5 Select Points.
- 1 Select Points for each additional Rs. 100 spent at retail
SBI Unnati Credit Card
Highlights: Use the credit card to enjoy a host of gifts from the reward catalogue
Joining Fee: Nil for 1st 4 years
Renewal Fee: Rs.499 + GST from 5th year onwards
Features and Benefits
- One Reward Point for every Rs.100 spent using this card.
- Spend Rs.50,000 or more withing 15 days of the activation of the card.
- 1% fuel surcharge waiver on spends between Rs.500 and Rs.3,000.
- The card is free for first four years.
SimplyCLICK Advantage SBI Card
Highlights: Use the credit card to earn reward points and enjoy various benefits
Joining Fee: 499
Renewal Fee: Rs.499 + GST
Features and Benefits
- Receive a Rs. 500* Amazon.in gift card upon joining
- Gain 10X Reward Points when you shop online with the bank’s preferred partners: BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy, Yatra, and Apollo 24x7
- Get 5X rewards for every additional online purchase.
- e-Vouchers valued at Rs.2,000 each upon attaining annual internet expenditures of Rs.2,000 and Rs.3,000, respectively.
SimplySAVE Advantage SBI Card
Highlights: Use the credit card to earn reward points and enjoy various benefits
Joining Fee: 499
Renewal Fee: Rs.499 + GST
Features and Benefits
- Get 10 Reward Points for every Rs.150 spent on groceries, department stores, dining, and entertainment.
- Earn 1 Reward Point for every Rs.150 spent on all other purchases.
- The SBI Card is a global credit card that is accepted at more than 24 million locations worldwide, including 3.25 lakh locations in India.
Shaurya SBI Card
Highlights: A credit card designed to provide benefits to defense personnels
Joining Fee: 250
Renewal Fee: Rs.250 + GST from 2nd year onwards
Features and Benefits
- Receive a welcome bonus of 1000 Reward Points.
- Gain 5 times the reward points for CSD, dining, entertainment, department stores, and grocery purchases.
- For every Rs.100 spent on any other category, earn one reward point.
Shaurya SELECT SBI Card
Highlights: A credit card designed to provide benefits to defense personnels
Joining Fee: Nil
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- Receive a welcome bonus of 1500 Reward Points.
- Gain 10 times the reward points for every Rs.100 spent on CSD, dining, entertainment, department stores, and grocery purchases.
- For every Rs.100 spent on any other category, earn 2 reward points.
SBI Travel and Fuel Credit Cards
BPCL SBI Card Octane
Highlights: Use this card to enjoy benefits on purchasing fuel from Bharat Petroleum
Joining Fee: Rs.1,499+ GST
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- Receive 6000 additional reward points, which are worth INR 1500, when your annual fees are paid.
- 6.25% + 1% remission of the fuel surcharge on all BPCL transactions up to Rs.4,000
- Get 25 Reward Points for every Rs. 100 spent at Bharat Gas, BPCL Fuel and Lubricants.
- Get 10 Reward Points for every rupee 100 spend on dining, groceries, department stores and movies.
IRCTC SBI Card Premier
Highlights: Avail this credit card to enjoy benefits on booking railway tickets from IRCTC
Joining Fee: Rs.1,499+ GST
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- Receive 1500 Reward Points upon paying the initial annual charge, which is equal to INR 1500.
- Get three reward points for every Rs.125 spent on dining and keep track of your utility expenses.
- Earn one reward point for every Rs.125 dollars spent at retail on non-fuel items.
- Purchase tickets for the AC1, AC2, AC3, Executive Chair Car, and Chair Car through irctc.co.in and the IRCTC Mobile App to receive up to 10% in value back in reward points.
IRCTC SBI Card Premier (on RuPay Platform)
Highlights: Avail this credit card to enjoy benefits on booking railway tickets from IRCTC
Joining Fee: Rs.500+ GST
Renewal Fee: Rs.300+ GST
Features and Benefits
- Receive 350 Reward Points upon spending Rs.500 and above within 45 days of the activation of the credit card.
- Earn one reward point for every Rs.125 dollars spent at retail on non-fuel items.
- Purchase tickets for the AC1, AC2, AC3, Executive Chair Car, and Chair Car through irctc.co.in and the IRCTC Mobile App to receive up to 10% in value back in reward points.
Etihad Guest SBI Card
Highlights: A credit card designed to provide reward points on travelling with Etihad Airlines
Joining Fee: Rs.1,499+ GST
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- Three Etihad Guest Miles for every Rs.100 spent on the Etihad website.
- Two Etihad Guest Miles for every Rs.100 spent overseas.
- One Etihad Guest Mile for every Rs.100 spent on other retail purchases.
- Get an instant discount of up to 10% on direct Etihad Airways bookings (3% on Economy Class and 10% on Business class).
Etihad Guest SBI Premier Card
Highlights: A credit card designed to provide reward points on travelling with Etihad Airlines
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999 + GST
Features and Benefits
- Complimentary Etihad Guest Gold tier status after the first transaction with this card.
- Six Etihad Guest Miles for every Rs.100 spent on the Etihad website.
- Four Etihad Guest Miles for every Rs.100 spent overseas.
- Up to 10% discount on air miles redemption.
Yatra SBI Credit Card
Highlights: Use this card to enjoy benefits on booking your travel from the Yatra app or website
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Rs.1,000 off domestic flight tickets on a minimum booking amount of Rs.5,000.
- Rs.4,000 off international flight tickets on a minimum booking amount of Rs.40,000.
- Six Reward Points for every Rs.100 spent on dining, groceries, entertainment, movies, departmental stores, and overseas purchases.
- 20% discount of domestic hotels Minimum transaction amount of Rs. 3,000. A maximum of Rs. 2,000 off.
BPCL SBI Credit Card
Highlights: Use this card to enjoy benefits on purchasing fuel from Bharat Petroleum
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- 4.25% value back (equivalent to 13x Reward Points) on fuel purchases made at any BPCL pump.
- 3.25% + 1% waiver on fuel surcharge for every fuel purchase up to Rs.4,000.
- 5x Reward Points on every Rs.100 spent on grocery, departmental, dining, and movie transactions.
- Waiver of fuel surcharge charge of up to Rs.100 each month.
Club Vistara SBI Card PRIME
Highlights: Use this card to enjoy benefits on booking tickets from the Vistara Airlines app or website
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- After paying the annual or renewal price, receive one Premium Economy ticket as an e-gift certificate.
- Get four CV Points for every rupee you spend, up to Rs.200.
- After 90 days of card issuance, spend Rs.75,000 to receive 3000 bonus CV Points.
- Receive one Premium Economy ticket for every Rs.1.5 lakh, Rs.3 lakh, Rs.4.5 lakh, and Rs.8 lakh spent annually.
Club Vistara SBI Card
Highlights: Use this card to enjoy benefits on booking tickets from the Vistara Airlines app or website
Joining Fee: Rs.1,499+ GST
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- After paying the annual or renewal price, receive one economy class ticket as an e-gift certificate.
- Get 3 CV Points for every rupee you spend, up to Rs.200.
- After 90 days of card issuance, spend Rs.50,000 to receive 1000 bonus CV Points.
- Receive one economy ticket for every Rs.1.25 lakh, Rs.2.5 lakh, and Rs.5 lakh spent annually.
IRCTC SBI Platinum Card
Highlights: Avail this credit card to enjoy benefits on booking railway tickets from IRCTC
Joining Fee: Rs.500+ GST
Renewal Fee: Rs.300+ GST
Features and Benefits
- One Reward Point for every Rs.125 spent on non-fuel retail purchases (including transactions on the IRCTC website).
- Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
- Waiver of 1% fuel surcharge across petrol pumps in India (for transactions amount Rs.500-Rs.3,000).
- Purchase tickets for the AC1, AC2, AC3, Executive Chair Car, and Chair Car through irctc.co.in and the IRCTC Mobile App to receive up to 10% in value back in reward points.
Air India SBI Signature Card
Highlights: Avail this credit card to enjoy benefits on booking airline tickets from Air India
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999+ GST
Features and Benefits
- Up to 30 Reward Points for every Rs.100 spent on Air India tickets booking via the Air India website or mobile app.
- Four Reward Points for every Rs.100 spent using this card.
- Up to 1 lakh bonus Reward Points annually.
- Convert your Reward Points into Air India Miles (1 point = 1 mile).
Air India SBI Platinum Card
Highlights: Avail this credit card to enjoy benefits on booking airline tickets from Air India
Joining Fee: Rs.1,499+ GST
Renewal Fee: Rs.1,499+ GST
Features and Benefits
- Up to 15 Reward Points for every Rs.100 spent on Air India tickets booked via the Air India website or app.
- Two Reward Points per Rs.100 spent using this card.
- Up to 15,000 bonus Reward Points annually.
- Complimentary Air India Frequent Flyer Program membership.
SBI Banking Partnership Cards
South Indian Bank SBI Platinum Credit Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and South Indian Bank
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- Two Reward Points per Rs.100 spent on other purchases.
- Enjoy complimentary Priority Pass membership worth $99.
- Online shopping voucher worth Rs.3,000 as a welcome gift from one of these brands Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.
South Indian Bank SimplySAVE SBI Card PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and South Indian Bank
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- During the first sixty days after obtaining your card, spend at least Rs.2,000 to earn 2,000 extra reward points.
- Get 10 Reward Points for every Rs. 150 spent on groceries, department stores, dining and movies.
- Get 1 Reward Point for every Rs.150 you spend on other purchases.
Karur Vysya Bank SBI Credit Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Karur Vysya Bank
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- 1.7% value back (equivalent to 10x Reward Points) for every Rs.150 spent on groceries and purchases made at departmental stores.
- One Reward Point for every Rs.150 spent on other purchases.
- Spend in excess of Rs.2,000 within 60 days of getting your card and earn 2,000 bonus Reward Points.
- Waiver of 1% fuel surcharge if you spend between Rs.500 and Rs.3,000 at any petrol pump in India.
Karur Vysya Bank SBI Platinum Credit Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Karur Vysya Bank
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- Two Reward Points per Rs.100 spent on other purchases.
- Complimentary Priority Pass membership worth $99.
- Complimentary access to Visa lounges in India and overseas through the Visa Airport Lounge Access program.
- Get two complimentary passes to India's domestic airport lounges per quarter.
- e-Gift Voucher from any of the following brands, Yatra, Aditya Birla Fashion, Westside, Hush Puppies/Bata, and Shoppers Stop, worth Rs. 3,000.
KVB SBI Signature Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Karur Vysya Bank
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999+ GST
Features and Benefits
- Get a bonus of 10,000. Reward Points for reaching Rs.2 lakh, Rs.3 lakh, and Rs.4 lakh in annual spending
- Get a bonus of Rs.20,000. Reward Points at reaching Rs.5 lakh in annual spending
- Earn five times the reward points for every meal, department store, and supermarket purchase.
- For every Rs.100 spent in the other categories, earn two reward points.
PSB SBI Card ELITE
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and PSB
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999+ GST
Features and Benefits
- A welcome e-gift voucher from any of the following brands, valued at Rs.5,000: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Bata/Hush Puppies, and Yatra.com
- Get 5 times the reward points for dining, shopping at department stores, and groceries.
- Earn two reward points for every Rs.100 spent on purchases other than petrol.
- Earn up to Rs.12,500 worth of Bonus Reward Points annually.
- Get 10,000 additional Reward Points upon reaching Rs.3 lakh and Rs.4 lakh annual spending thresholds.
PSB SBI Card PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and PSB
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- A welcome e-gift voucher from any of the following brands, valued at Rs.3,000: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Bata/Hush Puppies, and Yatra.com
- Get 10 times the reward points for every Rs.100 spent on dining, shopping at department stores, and groceries.
- Earn 20 reward points for every Rs.100 spent on spent on standing instructions of the payment of utility bills.
- Get 20 reward points for every Rs.100 you spend on your birthday.
- For every Rs.100 spent on Vistara flights, you will receive 9 Club Vistara points.
- A Rs.7,000 e-gift voucher from Yatra.com/Pantaloons upon reaching a Rs.5 lakh yearly spending threshold.
- Waiver of renewal fees for spending up to Rs. 3 lakhs annually
PSB SimplySAVE SBI Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and PSB
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Get 2,000 additional Reward Points after spending at least Rs.2,000 in the first 60 days.
- Get 10 Reward Points for every Rs.150 spend on groceries, department stores, dining, and entertainment.
- Earn one reward point for every rupee that you spend over Rs.150.
UCO Bank SBI Card ELITE
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and UCO Bank
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999+ GST from second year onwards
Features and Benefits
- Any of the following brands: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra.com, Bata/Hush Puppies, and Pantaloons are eligible to receive a welcome e-gift voucher of Rs.5,000.
- Get 5 times the reward points for dining, shopping at department stores, and groceries.
- Earn two reward points for every Rs.100 spent on purchases other than petrol.
- Earn up to Rs.12,500 worth of Bonus Reward Points annually.
- Get 10,000 additional Reward Points upon reaching the Rs.3 lakh and Rs.4 lakh annual spending thresholds.
UCO Bank SBI Card PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and UCO Bank
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- Any of the following brands: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra.com, Bata/Hush Puppies, and Pantaloons are eligible to receive a welcome e-gift voucher of Rs.3,000.
- Earn 20 Reward Points for every Rs.100 spent on utility bill payments made on a standing order.
- Earn 10 Reward Points for every Rs.100 spent on department stores, dining, groceries and movies.
- Earn a Rs.1,000 Pizza Hut e-Gift Voucher when you spend Rs.50,000 in a calendar quarter.
- waiver of renewal fees for spending up to Rs.3 lakh annually
- A Rs.7,000 e-gift voucher from Yatra.com/Pantaloons upon reaching a Rs.5 lakh yearly spending threshold.
UCO Bank SimplySAVE SBI Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and UCO Bank
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Get 2,000 additional Reward Points after spending at least Rs. 2,000 in the first 60 days.
- Get 10 Reward Points for every Rs 150 spent on groceries, department stores, dining, and entertainment.
- Earn one reward point for every rupee that you spend over Rs.150.
Central Bank of India SBI Elite Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Central Bank of India
Joining Fee: Rs.4,999+ GST
Renewal Fee: Rs.4,999+ GST from second year onwards
Features and Benefits
- e-Gift worth Rs.5,000gift card from any of the following brands: Yatra.com, Aditya Birla Fashion, Pantaloons, Shoppers Stop, Bata/Hush Puppies, and Pantaloons.
- Earn up to Rs.12,500 worth of Bonus Reward Points annually.
- Get 10,000 additional Reward Points upon reaching the Rs.3 lakh and Rs.4 lakh annual spending thresholds.
- Get 5 times the reward points for dining, shopping at department stores, and groceries.
- Earn two reward points for every Rs.100 spent on purchases other than petrol.
Central Bank of India SBI Card PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Central Bank of India
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- e-Gift worth Rs.3,000gift card from any of the following brands: Yatra.com, Aditya Birla Fashion, Pantaloons, Shoppers Stop, Bata/Hush Puppies, and Pantaloons.
- Get 20 times the reward points for every Rs.100 spent on dining, shopping at department stores, and groceries.
- Earn 10 reward points for every Rs.100 spent on purchases other than petrol.
- Get 20 reward points for every Rs.100 you spend on your birthday.
Central Bank of India SimplySAVE SBI Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Central Bank of India
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Get 2,000 extra Reward Points when you spend Rs.2,000 or more in the first 60 days.
- Get 10 Reward Points for every Rs 150 spent on groceries, department stores, dining, and entertainment.
- Earn one reward point for every Rs.150 you spend on anything else.
City Union Bank SBI PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and City Union Bank
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- A welcome e-gift voucher from any of the following brands, valued at Rs.3,000: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Bata/Hush Puppies, and Yatra.com
- Earn 20 Reward Points for every Rs.100 spent on utility bill payments made on a standing order.
- Earn 10 Reward Points for every Rs.100 spent on department stores, dining, groceries and movies.
City Union Bank SimplySAVE SBI Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and City Union Bank
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Get 2,000 additional Reward Points after spending at least Rs. 2,000 in the first 60 days.
- Get 10 Reward Points for every Rs 150 spent on groceries, department stores, dining, and entertainment.
- Earn one reward point for every rupee that you spend over Rs.150.
Karnataka Bank SBI PRIME
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Karnataka Bank
Joining Fee: Rs.2,999+ GST
Renewal Fee: Rs.2,999+ GST
Features and Benefits
- Any of the following brands: Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra.com, Bata/Hush Puppies, and Pantaloons are eligible to receive a welcome e-gift voucher of Rs.3,000.
- Earn 20 Reward Points for every Rs.100 spent on utility bill payments made on a standing order.
- Earn 10 Reward Points for every Rs.100 spent on department stores, dining, groceries and movies.
- waiver of renewal fees for spending up to Rs.3 lakh annually
- For every Rs.100 spent on Vistara flights, you will receive 9 Club Vistara points.
Karnataka Bank SimplySAVE SBI Card
Highlights: Avail this credit card to enjoy various types of benefits provided jointly by SBI and Karnataka Bank
Joining Fee: Rs.499+ GST
Renewal Fee: Rs.499+ GST
Features and Benefits
- Get 10 Reward Points for every Rs. 150 spend on groceries, department stores, dining and movies.
- Get 1 Reward Point for every Rs. 150 you spend on other purchases.
- Eliminate the need to pay the 1% fuel surcharge at any petrol pump.
SBI Premium/Invite-Only Credit Cards
Key Benefits of SBI Credit Cards
All credit cards from SBI offer a range of benefits including:
-
Save on your interest
You can transfer your outstanding amounts from other cards to your SBI card at a low rate of interest. With the balance transfer feature, you can avoid paying interest on multiple cards.
-
Auto payment of bills
With your credit card, paying your utility bills is hassle free. The auto bill payment option called Easy Bill Pay allows you to make timely payments each month. You can register and pay your utility bills, insurance premiums, and telephone and electricity bills.
-
Protect yourself with insurance
SBI in partnership with CCP offers comprehensive protection in the event of card loss, fraud, or theft. Cardholders enjoy facilities like emergency travel assistance, banking protection, free replacement of a lost card, and more.
-
Convenient access to your account
You can access your SBI card account online or download the SBI Card mobile app. Make bill payments, check your outstanding balance, and more anytime, anywhere.
-
Funds for your immediate cash requirements
Your SBI card can be very helpful if you need additional funds for an emergency. With the SBI Encash facility, you can get quick access to funds. You could get an amount above or within your credit limit transferred to your account within 48 hours with Encash. Repayment of the funds can be made in 12-, 24-, or 36-month instalments.
SBI Credit Card Against Fixed Deposit
SBI Card Unnati - You can apply for this credit card against a fixed deposit. You need to have an FD of Rs.25,000 or more with State Bank of India to be eligible.
SBI Card Other Fees and Charges
| Credit card finance charge |
3.5% on all unsecured SBI Credit Cards (except Shaurya) |
| Minimum amount due each month |
5% of total outstanding amount or Rs.200 + taxes, whichever is higher |
| Interest fee period |
20 to 50 days |
| Finance charge on cash advance |
For domestic cash withdrawal, a fee of 2.5% or Rs.500 (whichever is higher) |
| Statement retrieval |
Rs.100 per statement – for statements more than 2 months old |
| Late payment fee (charged based on the total outstanding amounts) |
- Up to Rs.500 - Nil
- Rs.501 to Rs.1000 - Rs.400
- Rs.1001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.950
- Rs.25,001 to Rs.50,000 - Rs.1,100
- More than Rs.50,000 - Rs.1,300
|
| Over limit fee |
2.5% |
| Card replacement fee – domestic |
Rs.100 to Rs.250 |
Documents Required for SBI Credit Card Application
You are required to submit proof of identity, address, and income while applying for a credit card. Here is a list of documents you can submit to prove your eligibility. Remember that this is not an exhaustive list and that the bank can ask you for additional documents.
| Proof of identity (any one) |
|
| Address proof (any one) |
- Aadhaar card
- Telephone bill
- Rental agreement
- Electricity bill
- Passport
- Ration card
|
| Income proof for self-employed individuals |
- Latest Income Tax Returns (ITR)
- Audit proof, balance sheet, or loss statement
- Business financial statements
|
| Income proof for salaried individuals |
- Employment letter
- Latest salary slip
- Salary certificate
|
How to Apply SBI Credit Card Online
Applying for an SBI credit card is easy. BankBazaar offers a paperless application for selected SBI cards. You can check your eligibility, upload the documents, and apply for a card within a few minutes through the BankBazaar website.
- Visit BankBazaar SBI Credit Card Section.
- Choose a card that suits your spending pattern.
- Click on the ‘Check Eligibility’ tab.
- Fill in the required details to find out if you are eligible to apply for the card.
- You will be directed to the application page where you will have to fill in your details.
- Once you have entered all the necessary information, click on ‘Submit’.
- Upload your documents and click on ‘Submit’.
- After you have successfully provided all the required information, you will receive a message with your application ID.
Additionally, you can log on to the SBI website and apply for a card online. SBI offers an online application for most of their cards.
Step 1: Visit the official SBI website.
Step 2: Slide the cursor on the credit cards tab and click on ‘Help Me Find a Card’.
Step 3: Find the ideal card for you with the Simplyfier feature.
Step 4: Read through the features and benefits of the card.
Step 5: Click on ‘Apply’.
Step 6: Fill in your personal and contact details.
Step 7: A representative of the bank will contact you to take your application further.
You can also visit any SBI branch near you to apply for a credit card. If you want to apply for an SBI banking partner card, you will have to visit the partner branch to complete the application process.
Required Credit Score to Apply for SBI Cards: SBI takes into account your credit history and your credit score to determine your eligibility for a card. Although the specific score required varies from card to card, a score of 700 and above is considered good.
How to Track SBI Credit Card Application Status
If you want to find out whether your application has been approved by the bank, you can use the Track Application feature on the BankBazaar website.
Step 1: Visit BankBazaar.com and click on ‘Track Application’.
Step 2: Enter your application ID, mobile number, and click on ‘Track Application’.
Step 3: The screen will display the status of your application.
You can also track the status of your application if you have applied for your card through the SBI website.
Step 1: Log on to the SBI website.
Step 2: You will find the ‘Track My Application’ link under the ‘Apply’ tab.
Step 3: Enter your application or reference number to get the details.
Step 4: You can also fill in your date of birth to track your application.
SBI Credit Card Balance Transfer
Pay the balance on your other credit cards with your SBI card. You can transfer the outstanding amount on other cards to your SBI card at a low rate of interest. The SBI credit card balance transfer feature can help you save on the interest on multiple cards. SBI offers two balance transfer plans you can choose from:
- 0% interest rate for 60 days. Processing fee of 2% or Rs.199, whichever is higher, is applicable.
- 1.7% interest per month for 180 days. Processing fee is waived off.
SBI Balance Transfer on EMI
- 0.83% interest rate for three months. Processing fee of 1% or Rs.199, whichever is higher, is applicable.
- 1.02% interest for six months days. Processing fee of 1% or Rs.199, whichever is higher, is applicable.
Encash Facility on SBI Credit Cards
The Encash feature on SBI cards allows you quick access to funds when you need it the most. It is a pre-approved facility that is offered to selected cardholders. You can apply for a loan amount that is within or over your existing credit limit. If you are eligible, the amount will be transferred to your State Bank of India account within 48 working hours. Transfer of funds will be done through National Electronic Fund Transfer (NEFT).
Encash attracts an interest rate as well as a processing fee. You can contact the bank for the applicable rate of interest. You have to pay a one-time processing fee of 2% of the amount or Rs.499, whichever is higher. The processing fee will not exceed Rs.3,000.
SBI Credit Card Bill Payment Options
SBI offers various avenues to help you pay your SBI credit card bill on time. Based on your convenience, you can choose to pay your bill online or in person.
Online bill payment
You can use any of the following methods to pay your credit card bill online.
- Net banking (NEFT) - For payment from accounts other than State Bank of India. Use the Indian Financial System Code (IFSC) SBIN00CARDS.
- Paynet-Pay Online - Pay on the SBI website through your bank’s net banking facility.
- Visa Credit Card Pay - Pay your SBI Visa card bill using your net banking facility.
- Online SBI – Clear your dues by making payments through the SBI website using your SBI account.
- Electronic Bill Payment (EBP) - This online payment service can be availed through ATM, mobile app, or net banking of State Bank of India, Bank of India, and Indian Overseas Bank.
- National Automated Clearing House (NACH) - Through this automated payment method, your monthly dues will be deducted directly from your account.
- SBI Auto Debit - Enjoy the convenience of paying directly from your State Bank of India account with the auto debit feature.
- Debit Card - You can make your monthly payment with your debit card. SBI allows you to pay through debit cards from leading banks.
Payment via Mobile App
- SBI App - Pay your credit card bill on the go with the SBI mobile app.
- Pay through YONO - YONO by SBI facilitates easy and quick bill payment. You can choose either the YONO mobile app or website to make payments.
- UPI Payment - Download the BHIM SBI Pay app on your phone to pay your card bill. UPI allows you to transfer money from one account to another using a smartphone.
Offline Bill Payment
- SBI ATM - Pay your monthly bill with your debit card at any of the SBI ATMs.
- Electronic Drop Box – Drop off your cheque at an electronic drop box near you and get an instant receipt.
- Manual Drop Box - You can drop off your cheque at any of the drop boxes across India.
- Payment at Bank Branch - You can visit any State Bank of India branch to pay your card bill.
How to Contact SBI Customer Care
If you have any queries about your card, you can contact SBI credit card customer care for assistance. You can contact the bank through any one of the following ways.
- E-mail
- Missed call
- Write to the bank
- Twitter
- Call customer care
- IRCTC SBI credit card helpline
- SMS
- Fax
SBI Credit Card Offers
In addition to Reward Points and value back, you can enjoy a range of offers on your SBI card. From promotions on travel to shopping, get exclusive discounts and deals with your credit card.
SBI Credit Card Rewards Program
Most SBI cards allow you to earn Shop-and-Smile Reward Points which have a validity of 2 years. Use your card to make purchases to earn points on each transaction. It is important to keep in mind the specific spend categories for which you can earn maximum Reward Points.
Once you have accumulated the points, you can redeem them for exclusive gifts, shopping vouchers, and more. Points redemption can be done on the SBI website or through the mobile app. Sign in with your login information and redeem your points for any of the products in the catalogue.
You can call the SBI card helpline 1860 180 1290 or 39 02 02 02 with your local STD code or write to them to redeem your points. Your gift will be delivered to the registered address.
FAQs on SBI Credit Card
- Is there any app for the SBI credit card?
Yes, SBI Card has an exclusive with the same name 'SBI Card' available on both Android and iOS platforms. Once you download the app, you can register and access your credit card account details, raise card related requests, perform transactions, and place requests for other SBI products, etc.
- Can we convert SBI credit card reward points to cash?
Not exactly. But there are a few SBI credit cards that would allow you to pay your card outstanding using the reward points. For instance, SBI Card Prime, SBI Card Elite, and SBI SimplySAVE Advantage allow you to redeem your reward points against the card outstanding. On all these cards, you can redeem Rs.1 for every four reward points.
- What is the minimum salary to apply for a credit card in SBI?
The minimum salary to apply for an SBI credit card varies for each card. The more premium the card is, the higher would be the salary requirement.
Though SBI does not disclose the income required to apply for a card on its website, from its ‘Simplyfier’ tool we can figure out that the minimum gross annual income required is Rs.1 lakh, provided you don’t have any other monthly deductions from your salary. Otherwise, it would be a minimum of Rs.2 lakh p.a.
- How many days does it take to get an SBI credit card?
Once you submit your SBI credit card application along with the required documents, it will take up to 21 days for the bank to process the application. If there are any missing documents and other issues with the application, it might take even longer.
Meanwhile, you can track your credit card application status using the SBI’s ‘Track Application’ feature available on www.sbicard.com/en/eapply.page#track-retrieve-form.
- Can I use my card to withdraw money?
Yes, you can take a cash advance with your credit card. You can withdraw a maximum of Rs.15,000 per day with your card. The overall cap on cash withdrawal is 80% of your total SBI credit Limit. You need to remember that taking cash advance will incur a finance charge of up to 3.35% per month.
- How to use my credit card while travelling abroad?
Before you go abroad, you need to activate your card for international transactions. Log in to your SBI account to activate the international credit limit on your card. The chatbot ELA can also help you with the activation.
- What charges are incurred if I use my credit card to make international transactions?
Foreign currency transactions incur a mark-up fee of 3.5% in addition to applicable taxes. It is important to remember that making purchases with Indian rupee while travelling abroad will incur higher costs. It is better to use the currency of the country you are travelling to.
- What type of transactions are not eligible to earn Reward Points on my card?
Although you can earn Reward Points on most of your purchases, there are certain transactions that are not eligible to earn points. These include balance transfers, cash advances, disputed transactions, finance charges, and others.
- What should I do if my card is stolen or lost?
You need to notify the bank immediately if your card is lost or stolen. The bank will block your card for protection against fraudulent transactions.
- How to close an SBI credit card account?
You can call or write to SBI or call their card helpline if you want to cancel or close your card. Once you make a request for account closure, the bank will terminate your account. In addition, any add-on cards associated with your account will also be terminated. Remember that your account will be closed only if you have paid off all your dues. You will have to clear any outstanding amount before your request for closure is accepted.
