Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI Credit Card Reward Points

    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.

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    How to Earn SBI Credit Card Reward Points

    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.

    How to Redeem SBI Credit Card Reward Points

    You can redeem your SBI credit card reward points through:

    • The SBI website
    • The SBI mobile app

    How to Redeem SBI Credit Card Reward Points Via the SBI Website

    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’.

    How to Redeem SBI Credit Card Reward Points Through the SBI Mobile App

    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’.

    List of SBI Credit Cards Available with Rewards Benefits

    Credit Cards Reward Points Benefits
    SBI PRIME Card
    • Earn 2 reward points for every Rs.100 that you spend on utility bills payments
    • Get 10 reward points for every Rs.100 spent on dining, departmental stores, movies, and Groceries.
    • Get 2 reward points for every Rs.100 you spend all other retail spends other than fuel.
    • 1% fuel surcharge waiver on transaction between Rs.500-Rs.4000 across all petrol pumps (Government Service Tax may levy as applicable)
    OLA Money SBI Credit Card
    • Earn 7% reward points on your Ola rides
    • Earn 1% reward points on other expenses
    Apollo SBI Credit Card
    • 3X Reward Points on every Rs.100 spent on all Apollo services.
    • Get 500 Reward Points worth Rs.500 on payment of joining fee.
    • 1 Reward Point on every Rs.100 spent on Beauty & Wellness services.
    • 2X Reward Points on every Rs.100 spent on Dining, Movies & Entertainment.
    • Enjoy 3 Reward redemption options.
    • 1 Reward Point on every Rs.200 spent on other non-fuel retail purchases.
    SBI PRIME Advantage Credit Card
    • Get 20 Reward Points for every Rs.100 spent on Utility Bills payments.
    • Get 10 Reward Points for every Rs.100 spent on departmental stores, dining, movie, and grocery spends
    • Get 2 Reward Points for every Rs.100 that you spend on retail expenses except for fuel.
    • On transaction between Rs.500-Rs.4000 across all petrol pumps, 1.00% fuel surcharge will be waived off (Government Service Tax may levy as applicable)

    Note: An individual can earn up to 3000 reward points per month.

    SBI Card ELITE
    • Movie ticket worth Rs.6000 every year
    • Welcome e-gift voucher worth Rs.5000
    • On spendings on grocery, dinning, and departmental stores, offers 5X reward points
    • On all other spendings, offers 2 reward points
    • Offers 50,000 bonus reward points worth Rs12,500 every year
    • On achieving annual spendings of Rs.3 lakh and Rs.4 lakh, offers 10,000 bonus reward points
    SBI Card PULSE
    • Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 as welcome gift after paying the joining fee
    • Complimentary Netmeds First Membership and FITPASS PRO Membership on card renewal to be received every year
    • 10X reward points on every Rs.100 spent on dinning, movies, pharmacy, and medicines
    • 2X reward points on all spendings on every Rs.100
    • Renewal fee waiver spending of Rs.2 lakh
    • On annual retail spends of Rs.4 lakh, offers e-voucher worth Rs.1,500
    Doctor’s SBI Card (in association with IMA)
    • Offers Professional Indemnity Insurance Coverage worth Rs.20 lakh
    • Rs.1,500 e-gift voucher as welcome benefit from Yatra.com
    • 5Xreward point on medical supplies, international spends, and travel booking
    • On all spending on Doctor’s Day, offers 5X reward points
    • On all other spendings worth Rs.100, offers 1X reward point
    • E-gift voucher worth Rs.5000 on annual spendings of Rs.5 lakh from Yatra.com, Shoppers Stop, and Bata
    • On annual spending of Rs.2 lakh, offers reversal of renewal fee
    Doctor’s SBI Card
    • 5X reward points on travel booking, medical supplies, and international spends
    • 5X reward points on all spendings on 1 July, on the occasion of Doctor’s Day
    • 1 reward point for every Rs.100 on other spendings
    • Reimburses all legal and defense expenses along with other similar costs
    • Voucher worth Rs.1,500 from Yatra.com as welcome e-gift
    • Godt voucher worth Rs.5000 from Yatra.com, Shoppers Stop, and Bata on annual spending of Rs.5 lakh

    SBI Credit Card Rewards Catalogue

    You can redeem your reward points earned on SBI credit cards form the SBI website on these categories:

    • Accessories
    • Apparel and superstore
    • Books and periodicals
    • Electronics
    • Entertainment and dining
    • E-voucher
    • Health and fitness
    • Homeware
    • Kids Zone

    You can visit, https://www.sbicard.com/en/personal/rewards.page and redeem your reward points.

    Air Mile Conversion of SBI Credit Card 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.

    Transactions that are not Eligible for Reward Points

    You cannot earn reward points on these transactions:

    • Cash withdrawal
    • When you load your e-wallet
    • Disputed transactions
    • When you make a balance transfer
    • Encash or Dial-a-draft facility
    • For fuel purchases at petrol pumps or service stations
    • When you make payment of financial charges like dishonoured cheque charges, and late payment charges.

    FAQs on SBI Credit Card Reward Points

    1. What are the charges of redemption fee on SBI Card?

      When you redeem reward points on your credit card, you will be charged a fee of Rs.99+ tax.

    2. Do the reward points accrued on my card expire?

      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.

    3. What are the different options by which the Reward Points can be redeemed?

      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.

    4. Do the reward points accrued on my card expire?

      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.

    5. Within what time will I get the items redeemed against the rewards points?

      E-vouchers will be delivered within 5 calendar days and gifts will be delivered within 15 calendar days.

    6. How long will it take for me to get the items that have been redeemed against the credit card reward points?

      Depending on the item, the time will vary and is mentioned as Gifts: 15 days and E-Vouchers: 5 days.

    7. What is the procedure to use the reward points to redeem cash?

      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.

    8. What is the process to redeem the reward points via SBI’s mobile app?

      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.

    9. What is the process to redeem the reward points on the bank’s website?

      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.

    10. What are the different options by which the Reward Points can be redeemed?

      The different options by which the Reward Points can be redeemed are mentioned as Cash and Gift voucher

    11. Do the reward points accrued on my card expire?

      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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