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

    • review Credit Card
      "Good Bank"
      0.5 5.0/5 "Blown Away!"
      I do use SBI cards. The annual fee for the card is around 500 rupees. SBI is giving more reward points also I could convert all those points into cash. The credit limit is pretty good. Moreover there are no penalty charges or hidden charges with SBI. I never seen a Bank likes this, which is deducting the amount unnecessarily.
      Was this review helpful? 0
      , jaipur
      Reviewed on Jun 24, 2017
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am very much satisfied with the credit limit provided by State bank of India. Its 42000 rupees this card is a chargeable for rupees 2999/-. It has been more than five years, since I am holding this credit card. It is very much convenient for my shopping, it is normal platinum card initially , I was holding gold card as well..
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2017
    • review Credit Card
      "Good in response"
      0.5 3.0/5 "Satisfactory"
      SBI card has been approved but I did not receive the car yet from the bank. Even there is no response from the bank for the credit card. I never heard anything about the card. Since I help up in other works I could not follow up on this matter. It has been two months when I applied for the card.
      Was this review helpful? 0
      , jamnagar
      Reviewed on Jun 07, 2017
    • review Credit Card
      "Satisfactory"
      0.5 3.0/5 "Satisfactory"
      The relationship with SBI visa credit card is good. They don't have good features no good offer nothing they have so much of drawback so that's why I did not ask to them to enhance my limit it has not been good experience. I am actually planning to close this card and the credit limit they had offered me a limit of 1 lakhs and 2999 is yearly charge for the card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 15, 2017
    • review Credit Card
      "Comfortable to use"
      0.5 5.0/5 "Blown Away!"
      Since I have an account with State bank of India, I got a credit card from them which is a life time free card. I have cash back offers on my card also they credit reward points often. The credit limit is satisfactory and enough according to my usage. Interest rate is normal.
      Was this review helpful? 2
      , indore
      Reviewed on May 04, 2017
    • review Credit Card
      "Satisfactory"
      0.5 2.0/5 "Expected more"
      The relationship with SBI visa credit card is good. They dont have good features in terms of balance transfer or It may in offers also,they have so much of drawback so that's why I dint ask to them to enhance my limit it has not been good experience.
      Was this review helpful? 1
      , bangalore
      Reviewed on Apr 05, 2017
    • review Credit Card
      "Good Bank and Good Service"
      0.5 4.0/5 "Great!"
      I am satisfied with the credit limit provided by State bank of India. But I do not think that I have an option to upgrade my credit limit on yearly basis. The annual fees for my credit card is five hundred rupees. It is very much convenient for my shopping.
      Was this review helpful? 0
      , pune
      Reviewed on Mar 28, 2017
    • review Credit Card
      "Good for credit card"
      0.5 4.5/5 "Excellent!"
      SBI is much better for credit card services. The reason is, there is no irrelevant and hidden charges as private banks. Also I was offered a life time free credit card. If I have reward points on my card I will utilize that for shopping purpose too.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Mar 28, 2017
    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I have the credit card with the State bank of India and I got it because I do have the salary account with them, also am with them from the last eight to nine years of time. I have not faced any issues with them till now, like I can say its going in the good way.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Mar 18, 2017
    • review Credit Card
      "Improve customer service"
      0.5 3.0/5 "Satisfactory"
      Very recently, I applied for a credit card with SBI bank. When I approached them for a credit card, they did verification and everything, after which they informed me that they will provide a credit card to me. But, it has almost been one month, i did not receive any kind of response from them.
      Was this review helpful? 1
      , chennai
      Reviewed on Mar 17, 2017
    • review Credit Card
      "Better Service"
      0.5 4.0/5 "Great!"
      Very recently, I have started to use a credit card with State bank of India. Well, it is quite good all these months, it has been three months, when I got this card. Offers like reward points, cash back offers are available for my card. Hope for the best.
      Was this review helpful? 0
      , kozhikode
      Reviewed on Mar 11, 2017
    • review Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I had applied for a car loan very recently. They took one week of time for the process. The credit limit given by them was pretty much sufficient, which is 2L. My documents were collected by their executives on time. About offers and reward points, I do not have much idea because I have yet to use my card.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Mar 10, 2017
    • review Credit Card
      "Good enough to the customers"
      0.5 5.0/5 "Blown Away!"
      SBI is very good for my credit card. Eveytime they are sending the statement with clear picture of my usage and it is very easy for me to track my usage and the amount spent. Also, the best part is, I could easily convert the reward points which I earn on this credit card.
      Was this review helpful? 1
      , secunderabad
      Reviewed on Mar 10, 2017
    • review Credit Card
      "Good And Convenient services"
      0.5 4.5/5 "Excellent!"
      The annual fees for my SBI credit card is Rs.5000. I am with SBI for than three years for credit card service. On my every credit card usage, I am getting reward points which is very easy to redeem. It is very convenient for me for shopping purpose.
      Was this review helpful? 1
      , bhopal
      Reviewed on Mar 09, 2017
    • review Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is very convenient to use. They are providing benefits like reward points, cash back offers like that. There was no hidden charges available on my credit card. I am very comfortable in holding SBI as their customer service is good.
      Was this review helpful? 1
      , mumbai
      Reviewed on Mar 07, 2017
    • review Credit Card
      "High Rate of Interest"
      0.5 3.0/5 "Satisfactory"
      I banking with SBI for more than 5 years. SBI credit card service is better. I am getting rewards points and benefits but the interest rate on emi is pretty high. I am not satisfied with their interest rate as it is higher than other banks.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 04, 2017
    • review Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I am fully satisfied with SBI as they are providing a standard service to the customers based on their requirements. The customer service is excellent and appreciable. They are sending proper notification on my due date and their rate of interest and other charges are nominal.
      Was this review helpful? 1
      , lucknow
      Reviewed on Mar 03, 2017
    • review Credit Card
      "Good service but would be good if no expiry on reward points"
      0.5 4.0/5 "Great!"
      I am holding SBI credit card for more than 3 years. They are providing a good customer service. I am getting reward points on my card, some times I used to get cash back offers. But it would be better if the reward points are valid till I use, because they have a certain period of time, if the reward points are not used in a particular period it will be expired.
      Was this review helpful? 0
      , noida
      Reviewed on Mar 03, 2017
    • review Credit Card
      "High Rate of Interest"
      0.5 3.5/5 "Pretty good"
      I am holding SBI credit card for long time. The rate of interest provided by SBI is pretty high when we compared with other banks. But the schemes and other services are good. The overall service of SBI is better and it would be nice if they reduce their interest rate.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 03, 2017
    • review Credit Card
      "Reduce Interest and Processing fees for EMI conversion"
      0.5 2.0/5 "Expected more"
      Disappointed with SBI Credit card services, I am using this credit card for past 5 years. Rate of interest and Processing fees are high for EMI conversion. reward point is not good, they are not giving exact value for the reward points.Billing process is good, there are no hidden charges.
      Was this review helpful? 1
      , chennai
      Reviewed on Feb 16, 2017
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    SBI Credit Card Reward Points is Rated as "Excellent!" by 884 Users

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    State Bank of India Credit Card Shop-and-Smile Reward Points Program:

    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.

    How can I earn reward points under Shop-and-Smile Rewards Program?

    SBI customers can earn rewards on almost all credit cards issued by the bank, with certain exceptions. Shop-and-Smile Rewards points come with a validity of two years.

    SBI Signature and Platinum customers can earn 2 rewards points for every Rs. 100 spent on purchase transactions and earn 10 rewards points for every Rs. 100 spent on departmental store purchases, international transactions and dining.

    SimplySAVE and Gold & More card holders can earn 1 reward point for every Rs. 100 spent on purchase transactions and earn 10 rewards points for every Rs. 100 spent on departmental store purchases, grocery shopping, movies and dining.

    The table given below illustrates the number of Shop-and-Smile Rewards points that can be earned on each SBI credit card.

    Types of SBI Credit Cards Rate at which rewards points can be earned.
    SBI Signature Contactless Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    SBI Signature Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    SBI Advantage Signature Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    SBI Platinum Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions. -
    SBI Advantage Platinum Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    Bank of Maharashtra - SBI Platinum Credit Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    BMB Platinum Credit Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    Karur Vysya Bank - SBI Platinum Credit Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    Oriental Bank of Commerce - SBI Platinum Credit Card 5X Rewards on departmental store purchases, dining, and international transactions. 2 Rewards points for every Rs. 100 spent on other types of transactions -
    SimplySAVE SBI Card 10 Rewards points for every Rs. 100 spent on departmental store purchases, movies, dining, and grocery shopping. 1 Reward point for every Rs. 100 spent on other types of transactions -
    Bank Of Maharashtra - SBI Card 10X Rewards points for every Rs. 100 spent on departmental store and grocery purchases. 1 Reward point for every Rs. 100 spent on other types of transactions -
    SBI Gold & More Card 10 Rewards points for every Rs. 100 spent on departmental store purchases, movies, dining, and grocery shopping. 1 Reward point for every Rs. 100 spent on other types of transactions -
    Karur Vysya Bank - SBI Card 10X Rewards points for every Rs. 100 spent on departmental store and grocery purchases. 1 Reward point for every Rs. 100 spent on other types of transactions -
    Oriental Bank of Commerce - SBI Card 10X Rewards points for every Rs. 100 spent on departmental store and grocery purchases. 1 Reward point for every Rs. 100 spent on other types of transactions -
    SBI Student Plus Advantage Card 1 Reward Point for every Rs. 100 spent.
    Air India SBI Signature Card 4 Rewards points for every Rs. 100 spent. 5X Rewards point for every Rs. 100 spent for booking Air India tickets. -
    Air India SBI Platinum Card 2 Rewards points for every Rs. 100 spent. 5X Rewards point for every Rs. 100 spent for booking Air India tickets. -
    Mumbai Metro SBI Card 10X Rewards for Mumbai Metro ticket booking. 10X Rewards for departmental and grocery purchases. 1 Reward point for every Rs. 100 spent on other transactions.
    SimplySAVE Advantage SBI Card 10 Rewards points for every Rs. 100 spent on departmental store purchases, movies, dining, and grocery shopping. 1 Reward point for every Rs. 100 spent on other types of transactions -
    SBI Gold & more Advantage Card 10 Rewards points for every Rs. 100 spent on departmental store purchases, movies, dining, and grocery shopping. 1 Reward point for every Rs. 100 spent on other types of transactions -

    Perfect Credit Card Deals for you

    How do you redeem Shop-and-Smile Rewards points with State Bank of India?

    Shop-and-Smile Rewards points can be redeemed by customers using the following modes.

    • Customers can log onto sbicard.com, access their accounts using their existing SBI Card online username / password and redeem accrued rewards points for gifts from the online Shop-and-Smile Rewards catalogue.
    • SBI card holders can also contact the SBI Card helpline at 39 02 02 02 with the local STD code or call 1860 180 1290/1800 180 1290 from BSNL and MTNL numbers to redeem accumulated rewards points.
    • The third option available to SBI customers is to write in to the following SBI branch address to make a redemption - PO Bo. NO. 28, GPO, New Delhi - 110001.

    Rewards redemptions can be done only in multiples of 2000 points per request. SBI will deliver the gift at the customer’s doorstep. The redeemed gift will be delivered only to the primary card holder’s address. Merchandise will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the redemption request has been place it cannot be cancelled or changed. Gift vouchers will valid for a period of three months. State Bank of India charges a redemption fee of Rs. 99 plus service tax to the SBI card account when a redemption request is placed by the customer.

    What do you redeem Shop-and-Smile Rewards points for?

    State Bank of India Credit Card Rewards Catalogue /Store:

    Category Brands
    Accessories Citizen/ Victorinax / Parker / Hidesign / Waterman
    Apparel & Superstore FabIndia / Veromoda / Only / Lee / Wills Lifestyle / Elle / Arrow /
    Electronics Apple / Philips
    Entertainment & Dining TGI Fridays / Oh! Calcutta / Mainland China / Dominos / Pizza Hut / Mainland China
    E-Vouchers Amazon / Marks & Spencers / Shoppers Stop / Croma / Levis / Satya Paul / Westside /
    Health and Fitness J&J One Touch Blood Glucose Monitoring System Nike Voucher
    Homeware Prestige / Philips / Tupperware
    Kids Zone Wildcraft bags / Drawing kits
    Lifestyle Croma / Nalli / Lakme / Benetton / Indha Craft
    Luxury Crabtree & Evelyn Jimmy Choo / Armani / Paul Smith
    Preferred Partner Titan / Westside / FBB
    Travel and Holiday American Tourister / Jet Airways Airmiles / Wildcraft / Samsonite / VIP / Yatra
    Signature Book of Rewards Shopper Stop / Yatra / Jabong / Westside / Marks & Spencer’s

     List of SBI Credit Cards available with Rewards benefits:

    Types of State Bank of India Credit Cards

    Name of the Rewards Program

    Rewards Redemption Benefits

    SBI Signature Contactless Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Signature Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Advantage Signature Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Platinum Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Advantage Platinum Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Bank of Maharashtra - SBI Platinum Credit Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    BMB Platinum Credit Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Karur Vysya Bank - SBI Platinum Credit Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Oriental Bank of Commerce - SBI Platinum Credit Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SimplySAVE SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Bank Of Maharashtra - SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Gold & More Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Karur Vysya Bank - SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Oriental Bank of Commerce - SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Student Plus Advantage Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Air India SBI Signature Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Air India SBI Platinum Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    Mumbai Metro SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SimplySAVE Advantage SBI Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Gold & more Advantage Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    SBI Gold Card

    Shop-and-Smile Rewards Program

    Gifts and vouchers from the Shop-and-Smile Rewards catalogue

    Payment of outstanding credit card bills.

    FAQs for SBI Credit Card Shop-and-Smile Rewards Program:

    1. Is the Shop-and-Smile Rewards program applicable on all types of SBI credit cards?

      No, the Shop-and-Smile rewards program is not applicable on the following SBI credit cards -

      1. SBI Advantage Plus Card
      2. SBI Advantage Card
      3. SBI Spice Jet Card
      4. SBI Go Air Card
      5. SBI Yatra Card
      6. SBI Railway Card
    2. On what types of credit card transactions can SBI customers not earn rewards points?

      SBI credit card holders cannot earn rewards points on the following transactions -

      1. Domestic / Foreign Cash advances
      2. Balance Transfers
      3. Dial a Draft
      4. Encash
      5. Disputed transactions
      6. Fuel Transactions
      7. Financial charges
      8. Any transaction done before the enrollment date.
    3. How can SBI customers check their reward points balance?

      SBI credit card customers can use the following methods to check their reward points balance.

      1. By sending an SMS - REWARD XXXX to 5676791 from their registered numbers. XXXX would be the last four digits of their SBI credit cards.
      2. By logging into their SBI Card online accounts on the SBI Card portal and accessing the reward points summary.
      3. The credit card statement will carry the total number of reward points accrued in the account.
    4. Can SBI customers club or transfer reward points across multiple credit card accounts to make a redemption?

      No, State Bank of India does not offer the option of combining or transferring reward points from one card to another. Redemptions can be done only with the SBI Card that has been used to earn points.

    5. If a customer’s SBI card account has been closed, can redemptions be done?

      No, once the SBI card account has been closed, redemption of reward points cannot be done.

    News Related to SBI Credit Card Reward Points

    • SBI Increasing Stake in Credit Card Joint Ventures

      The State Bank of India (SBI) will be increasing its stake in two credit card joint ventures (JV’s) to 74%. The bank has approved the proposal to pump in Rs.1,160 crore in SBI Cards and Payment Services Pvt Limited (SBICPSL) and GE Capital Business Processes Management Services Ltd (GECBPMSL) by buying equity shares from GE Capital.

      GE Capital is looking to exit SBI Cards, where they hold 60% of the shares.

      By buying out GE Capital’s stake, SBI will become majority stakeholders in both the companies.

      27th March 2017

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