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SBI Credit Card Eligibility

SBI Cards offers a vast and diverse selection of credit cards designed for various lifestyles and needs. Whether you are focused on shopping rewards, travel benefits, professional spending, or student-specific needs, SBI has a credit card tailored for you. The State Bank of India (SBI) has a set of eligibility criteria that should be fulfilled before applying for SBI credit cards. Ensuring that the requirements, such as minimum age limit, income, and other parameters are met, the bank will approve the credit card application.

SBI Cards

We found 5 SBI Cards Credit Cards

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1st Year Fee

₹499₹4,999
  • First year fee upto:

    ₹499

Card Fee Type

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    10x Rewards On Everyday Purchases

    • SimplySAVE SBI Card

      1st year fee

      :  

      ₹ 499

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    10x Rewards At Exclusive Online Partners

    • SimplyCLICK SBI Card

      1st year fee

      :  

      ₹ 499

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    Reward Points On Every ₹ 100 Spent

    • SBI Card PRIME

      1st year fee

      :  

      ₹ 2,999

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    Exclusive Offers On Irctc

    • IRCTC SBI Platinum Card

      1st year fee

      :  

      ₹ 500

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    Free Movie Tickets Worth ₹ 6,000 Every Year

    • SBI Card ELITE

      1st year fee

      :  

      ₹ 4,999

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    Updated On - 27 Oct 2025

    Applicants must ensure that they meet the eligibility criteria set by the issuer to avoid rejection of their credit card application. Read on to know more details about the SBI credit card eligibility.

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    SBI Credit Card Eligibility Criteria

    Criteria for SBI credit cards is typically similar for basic factors like age, occupation, residence but the minimum income requirement might vary for each card. This income requirement may also be different for salaried versus self-employed applicants on the same card. To enjoy the benefits offered by SBI Credit Cards, one can apply if they meet the bank's eligibility criteria. 

    SBI has a varied range of cards that are provided keeping in mind the need of an individual with a steady source of income as well as for students applying for higher studies/education loans. The basic eligibility criteria required to apply for any SBI Credit Cards are as follows:

    1. Age: Age of the primary applicant must be within the given range:
      1. Salaried individual - 21 years or 60 years
      2. Retired pensioner above the age group of 40 years
      3. Self-Employed individuals above the age group of 25 years
    2. Occupation: Any applicant applying for the SBI credit card must be either salaried, self-employed, student, or retired pensioner  
    3. Income of the Applicant: The income required to apply for any SBI credit card varies depending on the card type.
    4. Add-on card applicant: The age of the add-on card applicant must be over 18 years.
    5. Credit Score: To apply for an SBI credit card, the credit score of the applicant must be 700 and above. There must not be any default payments in your credit history.

    Documents Required to Apply for SBI Credit Card

    Documents required to apply for SBI credit card are as given below:

    1. Proof of Identity - Aadhaar card, PAN Card, Driver’s License, Passport, Voter’s ID,
    1. Proof of Address - Aadhaar card, Passport, Driver’s License, Utility Bill not more than 3 months’ old, Ration Card, Property Registration Document or any other government approved address proof.
    1. Proof of Income - Latest 1 or 2 salary slips (not more than 3 months old) or last 3 months’ bank statement or latest ITR/Form 16.
    1. Multiple copies of passport-sized photographs.

    Factors affecting eligibility for SBI Credit Card

    SBI requires you to meet a list of criteria for you to be able to apply for the card.

    There are several factors that directly affect the chances of your approval for the SBI credit cards:

    Credit History: A credit score of 750 or higher is an excellent credit score for approval of your application. A credit profile with a longer history of successfully managing debt (like paying bills on time) typically results in a better credit score, which greatly improves your chances of approval.

    Stable Income: Credit card issuers need assurance that you can repay any amounts you borrow. Hence, applicants with a regular, steady source of income are viewed more favorably. Additionally, individuals who have maintained the same job for over a year are seen as less risky than those who frequently switch jobs.

    Credit Inquiries: Having multiple applications simultaneously negatively impacts your credit report and thus your chances of approval.

    Residential Location: While SBI has wide coverage, you will not be approved if your residential address is in a remote area or a specific location that SBI Card does not currently service or has black-listed.

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    Check other Banks Credit Card Eligibility
    1. HDFC Credit Card Eligibility
    2. Axis Bank Credit Card Eligibility
    3. Bank of Baroda Credit Card Eligibility
    4. Canara Bank Credit Card Eligibility
    5. Kotak Mahindra Credit Card Eligibility
    6. Union Bank Credit Card Eligibility
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    How to Apply for SBI Credit Card?

    The steps to apply for SBI credit cards are mentioned below:

    1. Visit the official website of SBI credit card
    2. Select the card you want to apply for, from the list given.
    3. Click on ‘Apply Now’
    4. A new page will open where you need to click on ‘Start apply journey’.
    5. Enter your personal and professional details
    6. Add the KYC documents and click on ‘Continue’.
    7. Complete the process as given on the page and submit the application.

    How to Track your SBI Credit Card Application

    SBI offers you the option to track your SBI credit card status - whether it is approved or declined.

    Follow the steps given below to track the status of your application:

    1. Step 1: Go to the official SBI Card website.
    2. Step 2: Check for the "Apply" or "Track Application" section (often found under the main navigation menu or on the application page itself).
    3. Step 3: Select the "Track Application" option and enter the following:
    4. Application/Reference Number: This number is provided to you via SMS or email immediately after you submit your application
    5. Date of Birth (in some cases).
    6. Step 5: Click the "Track" or "Submit" button to see the current status of your application. 
    Apply For Credit Card on BankBazaar

    FAQs on SBI Credit Card Eligibility Criteria

    • How can I check my eligibility for an SBI credit card?

      You visit the SBI credit card page on BankBazaar and check your eligibility. You can also reach out to the bank through the official website or SBI customer care to check your eligibility for a specific SBI credit card.

    • Is there a minimum income qualification for SBI credit cards?

      The State Bank of India offers many credit cards and there are minimum income criteria for the cards. However, it is advised that you contact the customer care of the bank to know more.

    • Does the State Bank of India offer contactless credit cards?

      Yes, the State Bank of India does offer a contactless credit card which is the SBI Visa Contactless Credit Card.

    • Where can I apply for an SBI credit card?

      You can apply for a SBI credit card either directly from the bank website or through BankBazaar.

    • What types of credit cards does the State Bank of India offer?

      The State Bank of India offers various types of credit cards, including Lifestyle Cards, Reward Cards, Shopping Cards, Banking Partnership Cards, Travel Cards, and Miscellaneous Cards, each designed to suit different customer needs.

    • Why is my SBI credit card application rejected?

      An SBI Credit Card application may be rejected for several reasons, all based on the bank's internal assessment and eligibility requirements. Common causes include not meeting the minimum age requirement, failing to provide the necessary documents or information requested by the bank, or having an insufficient income or a poor credit score that does not meet the specified criteria for the card you applied for. 

    • Is PAN card a mandatory document when applying for SBI credit card?

      Yes, PAN card a mandatory document when applying for an SBI credit card. 

    Types of Credit Card
    1. Top 10 Credit Cards in India
    2. Fuel Credit Cards
    3. Lifetime Free Credit Cards
    4. Kisan Credit Card
    5. Student Credit Cards in India
    6. Shopping Credit Cards
    7. Contactless Credit Cards
    8. Travel Credit Cards
    9. Co-Branded Credit Cards
    10. Lifestyle Credit Cards
    11. Rewards Credit Cards
    12. Business Credit Cards
    13. NRI Credit Cards
    14. Cashback Credit Cards
    15. Lounge Access Credit Cards
    Credit Card by Banks
    1. Axis Bank Credit Card
    2. HDFC Bank Credit Card
    3. Kotak Bank Credit Card
    4. Federal Bank Credit Card
    5. SBI Credit Cards
    6. HSBC Credit Card
    7. IndusInd Bank Credit Card
    8. RBL Bank Credit Card
    9. Standard Chartered Credit Card
    10. YES Bank Credit Card
    11. Canara Bank Credit Card
    12. Punjab National Bank Credit Card
    13. Bank of Baroda Credit Card
    14. IDBI Credit Card
    15. Union Bank of India Credit Card
    16. Bank of India Credit Card
    Articles on Credit Card
    1. How to Check Credit Card Status
    2. How to Manage Multiple Credit Cards
    3. Best Credit Card for Poor Credit
    4. How to get Credit Card without Job
    5. Credit Card Insurance Benefits
    6. How to Apply for Lost Credit Card
    7. Reasons for Credit Card Rejection
    8. Advantages & Disadvantages of Credit Card
    9. Difference between Credit Card & Debit Card
    Credit Card Customer Care
    1. SBI Credit Card Customer Care
    2. HDFC Bank Credit Card Customer Care
    3. Axis Bank Credit Card Customer Care
    4. Federal Bank Credit Card Customer Care
    5. IndusInd Bank Credit Card Customer Care
    6. PNB Credit Card Customer Care
    7. RBL Bank Credit Card Customer Care
    8. Kotak Credit Card Customer Care
    9. Yes Bank Credit Card Customer Care
    10. Standard Chartered Credit Card Customer Care
    11. Canara Bank Credit Card Customer Care
    12. HSBC Credit Card Customer Care
    13. Indian Bank Credit Card Customer Care
    14. Bank of Baroda Credit Card Customer Care
    15. Bank of India Credit Card Customer Care
    16. Union Bank of India Credit Card Customer Care
    Credit Card Bill Payment
    1. Credit Card Bill Payment
    2. SBI Credit Card Bill Payment
    3. HDFC Credit Card Bill Payment
    4. Federal Bank Credit Card Bill Payment
    5. Axis Bank Credit Card Bill Payment
    6. IndusInd Credit Card Bill Payment
    7. Kotak Credit Card Bill Payment
    8. Standard Chartered Credit Card Bill Payment
    9. RBL Bank Credit Card Bill Payment
    10. HSBC Credit Card Bill Payment
    11. PNB Credit Card Bill Payment
    12. Canara Bank Credit Card Bill Payment
    13. Bank of Baroda Credit Card Bill Payment
    14. Bank of India Credit Card Bill Payment
    15. Union Bank Credit Card Bill Payment
    Credit Card Eligibility
    1. Credit Card Eligibility
    2. SBI Credit Card Eligibility
    3. HDFC Credit Card Eligibility
    4. Federal Bank Credit Card Eligibility
    5. Axis Bank Credit Card Eligibility
    6. Yes Bank Credit Card Eligibility
    7. IndusInd Bank Credit Card Eligibility
    8. HSBC Credit Card Eligibility
    9. Kotak Credit Card Eligibility
    10. Canara Bank Credit Card Eligibility
    11. Standard Chartered Credit Card Eligibility
    12. RBL Bank Credit Card Eligibility
    13. Bank of Baroda Credit Card Eligibility
    14. Union Bank Credit Card Eligibility
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