Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
State Bank of India offers the Shop-and-Smile program to all eligible SBI credit card holders providing opportunities to earn rewards for every purchase transaction. The Shop-and-Smile program has been designed to cater to all types of customer requirements. Rewards can be won for shopping, dining, travel and other types of transactions done with an SBI Card. Reward points can be redeemed for a plethora of gifts from the online rewards catalogue which consists of electronics, vouchers, lifestyle products, travel vouchers, accessories, home decor, gifts, apparel and much more.
The rate at which you earn reward points is based on the type of credit card that you have. You can learn more about the rewards earning structure by following these steps:
Step 1: Visit the website, https://www.sbicard.com/en/personal/rewards.page?
Step 2: Select the type of credit card.
Step 3: Click on ‘Terms & conditions’
Step 4: Choose ‘Shop-and-Smile'
Step 5: Click on ‘Points Earned/Accumulated/Redeemed In The Program’ and you will see the rewards points you can earn for every kind of transaction.
You can redeem your SBI credit card reward points through:
Step 1: First, log into the sbicard.com
Step 2: Select 'Rewards' and choose 'Redeem Rewards’
Step 3: Go through the Rewards Catalogue and select the items you want to buy
Step 4: Select 'Redeem now' and click on 'Confirm’.
Step 1: Log into the to SBI mobile app.
Step 2: Select 'Rewards' on the left hand and choose ‘Redeem Rewards’
Step 3: Go through the Rewards Catalogue and choose the reward items that you want to buy
Step 4: Choose 'Redeem' and then click 'Confirm’.
| Credit Cards | Reward Points Benefits |
|---|---|
| SBI PRIME Card |
|
| OLA Money SBI Credit Card |
|
| Apollo SBI Credit Card |
|
| SBI PRIME Advantage Credit Card |
Note: An individual can earn up to 3000 reward points per month. |
| SBI Card ELITE |
|
| SBI Card PULSE |
|
| Doctor’s SBI Card (in association with IMA) |
|
| Doctor’s SBI Card |
|
You can redeem your reward points earned on SBI credit cards form the SBI website on these categories:
You can visit, https://www.sbicard.com/en/personal/rewards.page and redeem your reward points.
For converting reward points to Air Miles, you can call the SBI credit card helpline at 1860 180 1290 or 39020202.
You will need to have a minimum of 10,000 Reward Points to convert your reward points into air miles for an Air India SBI Signature Card and you will need a minimum of 5,000 Reward Points to convert into air miles for an Air India Platinum Card. The air mile redemption will need be in multiples of 5,000. These will be converted within 7 working days from the date on which you request for the same.
You cannot earn reward points on these transactions:
When you redeem reward points on your credit card, you will be charged a fee of Rs.99+ tax.
Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.
You can redeem your reward points for gift cards, shop online, buy products from the bank's catalogue, or convert them to cash or air miles.
You can convert the reward points earned on your credit card via the bank's website. The general process is to visit the net banking portal of the bank and go to the Redeem Reward Points'. This process can change from one bank to another.
E-vouchers will be delivered within 5 calendar days and gifts will be delivered within 15 calendar days.
Depending on the item, the time will vary and is mentioned as Gifts: 15 days and E-Vouchers: 5 days.
In order to use the rewards points to redeem cash, you will need to contact the bank’s customer care or send an email to sbicard.com/email.
The process to redeem the reward points via the bank’s mobile app is mentioned below: Log in to the mobile app.Select ‘Rewards’. Next, select ‘Redeem Rewards’. Choose the reward items on the next page. Select ‘Redeem’ to complete the process.
The process to redeem the reward points on the bank’s website is mentioned below: Visit sbicard.com. Log in to your account. Select ‘Rewards’. Next, select ‘Redeem Rewards’. Choose the reward items on the next page. Select ‘Redeem’ to complete the process.
The different options by which the Reward Points can be redeemed are mentioned as Cash and Gift voucher
Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.
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