SBI Cards offer an extensive variety of credit cards that are designed to suit multiple lifestyle categories. From shopping to travel, professional to student, SBI offers a credit card for every individual.
The basic eligibility criteria required to apply for any SBI Credit Cards are as follows,
Age of the primary applicant must be between 21 years to 60 years.
Age of the add-on card applicant must be above 18 years.
Must be either salaried, self-employed, student, or retired pensioner.
Primary applicant should have a stable income (gross) of upto Rs.3 lakh per year.
The State Bank of India provides credit cards to both, salaried employees as well as students. 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 eligibility criteria for a salaried employee and that of a student with no fixed mode of income are mentioned below.
Eligibility Criteria For Salaried Employees
The salaried employees can apply for an SBI credit when
The applicant requesting for an SBI credit card is a resident of India
The applicant is not below the minimum age limit of 18 years and not above the maximum age limit of 65
The CIBIL score of the individual is above 750
The applicant has a regular source of income
The minimum annual income is Rs.2 lakh
The applicant can furnish at least past three months’ salary slip, bank statement showing salary deposit for three consecutive months along with valid identity, address, and age proof
Eligibility Criteria for Students
The State Bank of India also offers a varied range of credit cards with great benefits even for students. A student can avail an SBI student credit card when
The applicant is a resident Indian
The age of the applicant is above 18 years
The individual can furnish PAN card, age proof, proof of college enrolment, and other KYC compliant documents.
The applicant has a fixed deposit account of Rs.25,000 or more based on which the banks will set their credit limits.
SBI Credit Card Eligibility Factors
SBI requires you to meet a list of criteria for you to be able to apply for the card. These requirements usually vary for the type of card you are applying for. For instance, to apply for the Platinum Cards, you will need to be from a higher income bracket. However, the basic criteria to meet are same for all the cards.
To begin with, you will need to be a salaried or self-employed individual with ages ranges from 21 to 60 and should have a steady flow of income.
Also Know More About SBI Credit Cards
SBI has an extensive portfolio of credit cards on offer, which cater to a varied group of individuals. From minimum income people to business executives and students, SBI has a card specifically designed for each of them. Below is a list of categories under which SBI offers its credit cards:
Banking Partnership Cards
The bank currently offers a total of 72 credit cards that help a varied demographic meet their regular expenses. All these cards come with a set of benefits independent to each of them. For instance, the Lifestyle Cards offer rewards points up to Rs.12,500 per year and provides free movie tickets every year. On the other hand, the reward cards offer rewards and cashback for every transaction you make in any number of partner stores.
How To Apply For An Sbi Credit Card?
Applying for an SBI Credit Card is quite simple and the whole process can be initiated by logging on to the SBI Card website. Once there, you can choose from all the different cards they have on offer and pick the one you want to own.
When you click on the ‘Apply’ button, you will be led to an application form, wherein you have to fill all the information - including your name, occupation, annual income, PAN number, and mobile number. After you fill the form, you will receive an OTP on your mobile number, which you have to type in order to ratify the transaction. The next step involves you receiving a call from a representative who will require you to provide the necessary documentation.
Track Your Sbi Credit Card Application
SBI offers you the option to track your credit card status - whether it is approved or declined. You will have to type in your application number to check the status of your application.
Why You Should Own An Sbi Credit Card?
There are plenty of reasons why you should own a SBI Credit Card. Here are a few of them:
Loads of benefits: SBI Cards offer plenty of benefits for its customers. For example, the company’s Elite Card offers a Rs.5,000 voucher as a welcome gift and provides several other benefits like movie tickets worth Rs.6,000, and also offers up to 50,000 reward points, which translate to Rs.12,500.
A card for every user: SBI offers a card for every user to suit their exact needs. For instance, frequent flyers can opt for the SBI Signature and SBI Platinum Card, which among other things offer up to 1,00,000 bonus points and also offers 20 reward points for every Rs.100 spent on Air India tickets.
Easy access: Although there are plenty of credit card companies in the country, there’s none that is more popular than SBI, which can give you access anywhere in the country and the world, depending on the card you own. This is yet another reason why you should own a SBI Card.
Bottom-line, any individual with a steady income can opt for a SBI Card, which are known to offer unlimited access to the cardholder and helps make maintaining their lifestyles a lot easier.
If you’re planning to apply for any of SBI Credit Cards, you must need to know the documents required to apply for the same. The Reserve Bank of India (RBI) set some rules about the documents required to apply for a credit card. The Apex Bank mandates that all the new and existing customers must comply with ‘Know Your Customers (KYC)’ norms and provide the required information and documents periodically.
The following documents need to be attached with SBI credit card application form before submitting it to the concerned personnel.
• A copy of Aadhaar card
•A copy of current residential address proof (passport or voters ID or driving license or identity card issued by NREGA, a letter issued by national population register (NPR) with details of name and address)
•KYC declaration form
•Copy of PAN card or form 60
•One passport size photograph
All the documents except the KYC declaration form should be self-attested by the application. The KYC form should be duly signed in by the applicant.
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I got a call from the customer care of SBI and they have provided me a credit card which am using it for last 2 years but the rate of interest is not similar which they said me initially. If I enquire about the charges they are telling me to visit home branch and am planning to cancel the card. They need to improve the customer service a lot. Its FBB Styleup card and the annual fee is Rs.500. The credit limit is 50K but its less when I compare with other cards eligibility.
This month i purchased a new credit card from SBI since i have a salary account with them, i bought the TATA card. I get a annual fee waiver, rewards points on transaction, international transaction and good customer support. They have dispatched the card without any deviation in timing.
Above 14 years, i am utilizing the benefits of SBI card. Since i was working in railways, my salary is been credited to SBI hence the representative has given me a offer with a limit of Rs. 60000. There is no much benefit available on this card. Through app, i make the payment. I haven't faced any single issue till now.
I am having a FBB style up card from State bank of India. I get a benefits in Bigbazaar, Amazon, flipkart. They have facility of balance transfer and EMI conversion. I am unable to do covert my purchase into Flexi EMI regarding this when i contact the customer care, they said, i don't have any eligibility to convert.
I have a Prime card from State bank of India which is a premium card. I never had any issue so far and the given limit of Rs. 1.5 lakhs is okay for me. I get a unlimited free airport launch access since we are maintaining a salary account with them. For me, the annual fee its not there because i am getting the salary from the same account.
2 years before, i was using the credit card from SBI. The limit was blocked and i informed them increase the credit limit hence i have produced my salary slip and other documents as well but they havenâ??t increased the same. I get a much more discounts on online shopping. I have not got any kind of NOC letter till now.
I have applied for SBI FBB credit card processed directly to bank on 2 months before. Since I am holding a salary account the process was good.But to receive a card was delay from bank end. It is an annual fee chargeable. The credit limit is okay. I use this card for AC, fridge to buy and to book for a flight ticket. Based on the usage I get reward points.
I have selected state bank of india. using past 2 years ago sufficient limit is provide from banker end .While document submitted through executive there is no delay while receive credit card , Life time free credit card , while transaction through on line Rs 3000 rewards points.
I have selected State bank of india past 6 years minimum balance to be maintain Rs 1000, Near by location ATM is more, while with drawl money from ATM Rs 5 000, Customer service is good and responsive. while document submitted to directly banker end.
I have selected state bank of india .No need submit any document based on saving account. The Annual charger Rs 3000. While transaction per months Rs 80000. while like prime members 6 to 7 months. While spending Rs 50,000 every quarter i will receive pizza hut voucher .while spending like 3 lakhs i will receive Rs 5000 Pantaloon voucher , while transaction i will receive rewards point convert in to cash.
I have applied for SBI credit card and using this card for 7 months. They have not provided me with a life time free card in which annual charges were applicable. I use to make payment through my salary account net banking i have not used SBI online banking or website.
As per payment part, I would say SBI is best and also am holding salary account so the payment mode is easy and getting updated immediately. I am using SBI Prime card for more than 2 years. The credit limit is not sufficient which they need to improve. The annual fee is not applicable.
I Have selected Simple save credit card before 3 months , customer service is good and responsive. There is sufficent limit is provide. while transaction cash back offer and rewards point applicable.The Annual charge Rs 499.While document submitted through executive so there is no delay credit card . EMI option is applicable.
I have selected state bank of India simple save credit card , annul chargers Rs 499 .customer service is good and responsive while transaction rewards point is applicable .While document submitted through executive so there is delay credit card .All notification email and message communication from banker end .Sufficient limit is provide from banker end
More than 1 year i hold a State bank of India credit card. I am having a FBB style up card. I got a benefits like if i do a shopping on a FBB store, i get some discounts. Earlier the limit was very less and i have requested them to increase the limit according to my salary. I did not get a mail to send some documents which they have asked me.
I have taken SBI bank credit card few days before, since I am holding an account with this bank they given an offer for a card to apply. The document verification process was smooth and easy on time I received a card. But I am yet to generate the pin.
I was expecting higher limit from SBI card but they gave me lower limit around 60% of salary, the process of getting the card is hassle free. I am holding chargeable card, only beneficial I can accumulate the points and shop with them its good.
I hold the state bank of India and I'm using it for last 4 years. Its a Rs. 50000 credit limit card since the limit is less i won't use this card much. I get a offers on reliance fresh. When i asked for the credit limit enhancement, they have asked me to provide the salary slip, after i submitted there is no proper response from them.
I have been holding my savings and salary account SBI bank since from 2002 , the service was good, they use to response me well, Their branch service and customer care service is good, they use to response me well, their mobile application is user friendly.
I have selected state bank of India variant simply click past 4 years using this credit card its is life time free credit card .while document submitted through executive there is no delay receiving credit card. sufficient limit is provide from banker end.