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 have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
SBI staffs are delayed to do a verification call and it took around 2 to 3 days . But, later the process was smooth and received the card within 7 days. The credit limit is low at initial they told me about maximum 10L as per my eligibility and they have given 80K. The cash limit is 6K. It is an annual fee chargeable of 900 rupees waiver off option is avail if I spend 3L within a year. I use this card for business purpose.
SBI is a India's greatest bank since when I was in small age this was a first bank which I heard name as India I like it because I love my country so that i have selected the credit card from this bank. Its a good Government bank hence we need to portrayed also since its India's main bank. It has been 1 month since I am a customer of credit card hence I'm not much used this card but I am happy about their services.
SBI is my salary account and the bank is close to me so that i have opted their credit card. Even I saw the features of the card where i do get some gift voucher. There are lots of benefits available on this card. They are giving cashback on petrol like i get fuel sur charges waiver. For the time being, given credit limit was fine for me. I can use this card across the globe hence its useful for the people who travel out of country.
As per my profile and credit score eligibility, only SBI is ready to provide the credit card for me. For the secondary card purpose, i have applied this card. I got the credit limit of Rs. 61000. They charged me a annual fee of Rs. 499. They are giving me Rs. 500 Amazon gift voucher when i purchase the card. Before generation of first bill itself, i come to know about the bill due date and bill cycle because they have informed me about the same while issuing the credit card which is quite good.
In SBI, i was having my salary account earlier, so that i had chosen my credit card. They have provided me a IRCTC SBI Platinum card. When i book the train ticket from 1st class ticket, i get some discounts. In the petrol bunk, i get fuel sur charges waiver. They have provided me a limit of Rs. 30000. I am not using this card much nowadays.
Recently I got SBI credit card which is a simply click and I get some discounts on Apollo pharmacy and 10% discount on Big Bazaar. When I went to Bigbazaar, the sales executive has informed me about the features of the card but the card got rejected due to the low salary after 3 months the same executive called me when i changed my job.
For my eligibility, i got a offer from SBI and i have a credit card from other banks. Its a FBB Style up and i get 10% discount on Fashion Bigbazaar. Since i have not used the card much, i am not aware of the other offers. They have given me a credit limit of Rs. 35000 which is sufficient for me. I have to pay the annual fee of Rs. 500 and it will not get waived off. Most of the online offers I'm getting from SBI card.
Only SBI credit card was available for me based on my eligibility. In this card, free movie ticket is available. I have a SBI Elite credit card. This card has a annual fee of Rs. 5000 and it get waived off if my annual fee spends exceeds Rs. 10 lakhs. They are sending the offer messages on a regular intervals. I'm happy with the credit limit of Rs. 2.5 lakhs.
I have been holding a salary account with SBI for many years so they have offered a credit card on 3 years before. The process was done on time and it is a life time free card. The credit limit of 26K which is low. I raised to banker to enhance the limit but yet they have not done. EMI conversion is avail. I use for shopping and fuel purposes. Mobile app is user friendly to access.
I have SBI credit card which was offered by Bank.I am using this credit card for the past 1 year .I had salary account previously with this bank,This was a FBB style up credit card .I am using this credit card for shopping and also for discounts.The credit limit was satisfied and comfortable with the service so far.
2 years back, i have taken the credit card from State Bank of India. My salary account is in SBI thats why i have chosen the same. Its a simply save credit card and they are charging Rs. 500 as an annual fee. If i purchase for Rs. 100 in departmental store will receive 4 rewards points and that points can be converted into cash.
I have SBI SImply save credit card which i am using for the past 2 years .This was a chargeable cad and there are good cash back offers as well as reward points .This was a paperless approval since have salary account and satisfied with the service.
Based on my eligibility, I get an offers from State bank of India thats the reason i opted for a credit card. I am using it on a regular basis but my credit card got blocked due to the wrong pin number details so that I have contacted the customer care service for so many times, they are not picking up the call. Even after connecting with them telling to call the authorized person. Even though i give all the right information, they are not considering since this card is in my wife name. The service is not satisfactory.
SBI credit card is been a very good product and the card was offered to me based on my eligibility. Its a Elite card hence they are providing good rewards points based on my transactions. They charged me Rs. 5000 as a annual fee and they gave back to me on the form of vouchers. Its easy to use the card other than any other nationalized bank cards.
The offers are okay so that i chosen the credit card from SBI and I'm expecting more offers like discounts, cashbacks and rewards points. Since i'm in out of station, i am unable to provide the document to the collection executive thats the reason the card got rejected.
I don't use SBI credit card much because they have provided me a very less limit of Rs. 10000 which is not sufficient for me. I am using this card for last 2 to 3 years. There is no annual fee which is a free card. I do not receive any offers on this card. Along with my salary account, i have received the card.
My salary account is in SBI hence i have taken the credit card from them. Till now i haven't used the card much. They are sending the offer messages through mails and SMS. They have offered me a credit limit of Rs. 1.06 lakhs and there is a annual fee of Rs. 600and it won't get waived off.
The rate of interest is very good for personal loan and home loan. I have SBI Simply Save card for last one year. This card works everywhere without any issue. If I shop to the maximum limit then annual fee will be waived off and also they don't charge annually for salary account holder.
Was this review helpful?
SANDEEP KUMAR ARYA
, new delhi
Reviewed on Sep 16, 2019
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.