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  • SBI Credit Card Reward Points is Rated as "Excellent!" by 231 Users
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    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.

    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 -
    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. -
    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 -

    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.

    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.

    Check Other Banks Credit Card Reward Points Online 2018

    SBI Credit Card Reward Points Reviews

    • review Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with SBI 1 year back. I hold simply save International card and the credit limit was 50,000. The custom,er service and responses was up to the mark. The fees and charges are average in the market. I am getting cashback offers and reward points as benefits.
      Was this review helpful? 0
      , greater noida
      Reviewed on Feb 15, 2018
    • review Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I am having a credit card with SBI from last 7-8 months, the credit card services are very good when compared to other credit cards. I pay an annual fee of Rs 499 for this credit card. I get offers like reward points on petrol. I have a credit limit of Rs 50000 which is sufficient for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Feb 13, 2018
    • review Credit Card
      "Useless thing"
      0.5 0.5/5 "Unacceptable"
      This is a useless thing.. just making castles of reward points in air. Air miles , coupons all rubbish... very difficult redeeming.. no simple options to redeem.. no simple mobile apps for redeeming.. and if u are stuck nobody picks ur call.. cheat u by saying pay minimum amount and then charge maximum interest on rest of amount.. no information regarding that.. credit card is a trap to make u spend ur money.. use debit card only.. and invest ur savings in better optio
      Was this review helpful? 0
      , delhi
      Reviewed on Feb 11, 2018
    • review Credit Card
      "Better service"
      0.5 4.0/5 "Great!"
      I have multiple credit card one of the with State bank of India.They had offered a FBB card. This is my oldest credit card wit a good limit of 1.25 lakhs.I get more reward points for FBB transaction as well as cash back offers for the same as applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 30, 2018
    • review Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with SBI for about 2 years . I hold simply click International card and the credit limit was satisfactory . I am getting reward points as benefits here . The fees and charges are very high here . I have 24/7 helpline number and I have OTP device to login.
      Was this review helpful? 0
      , patna
      Reviewed on Jan 27, 2018
    • review Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold an SBI credit card for the past 9 years. I am not much using this card. They have good offers with amazon and flipkart. On the website if any offer is there i use the card. i get reward points and cash back. Hardly use the card. Its good card to hold.
      Was this review helpful? 0
      , gurgaon
      Reviewed on Jan 24, 2018
    • review Credit Card
      "Better card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 9 months, the card type is simply save credit card. The credit card services are good when compared to other credit cards. There is no annual fee charged for this credit card. I get offers like reward points in this credit card and i use this card for multi purpose. I have a credit limit of Rs 10000 which is very less for this credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jan 17, 2018
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding SBI 's credit card . Here the given credit limit was 92,000 which was satisfactory .The customer service and responses was up to the mark. I have simply save International card for which I am getting reward points and cashback offers.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 28, 2017
    • review Credit Card
      "Not good"
      0.5 4.0/5 "Great!"
      I have my credit card with SBI 6months back . The credit limit was 50,000 which was not satisfactory .The customer service and responses was really good. The validity of the card is up to 2022 and I have reward points. My overall experience was good.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 21, 2017
    • review Credit Card
      "Satisafctory"
      0.5 3.0/5 "Satisfactory"
      I have my credit card with SBI . They have offered simply save International card and the credit limit was 18,000 which was very low so not satisfied at all . I am getting 2,700 rs as reward points and there is no much benefit other than that . Here the charges are very high in case of late payment.
      Was this review helpful? 1
      , chennai
      Reviewed on Dec 20, 2017
    • review Credit Card
      "Good One"
      0.5 5.0/5 "Blown Away!"
      From the past 6 months i am using the Credit card of STATE BANK OF INDIA .The customer service was good from the bank side regarding the card . It is a Style up card that i am using now. The bank gave me a credit limit of 1.5 Lakh and i am happy with the credit limit . The Balance transfer and cash option is there on the card . I get Reward points on using the card..
      Was this review helpful? 0
      , jaipur
      Reviewed on Dec 20, 2017
    • review Credit Card
      "Excellent service"
      0.5 4.5/5 "Excellent!"
      The credit limit was very comfortable for me for my State bank of India reward card service. The customer support department was good with State bank of India when compared to others in the market and the online application is very good with State bank of India credit card service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 06, 2017
    • review Credit Card
      "GOOD"
      0.5 4.0/5 "Great!"
      From past 5 years i am using the card of STATE BANK OF INDIA . The Customer service is real good and helpful . The bank gave me a credit Limit of 1 Lakh and also Cash withdraw option is also there . Balance transfer is there . I earn reward points upon using this card.,
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 02, 2017
    • review Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      It was a good customer service i received from the state bank of India side. The bank gave me a credit Limit of 50K. Annual charges of 499. Also the bank gave me an option of Balance transfer on the card . I had got some Reward points upon using the card . It is a Simply Click credit card which I am using at present.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 29, 2017
    • review Credit Card
      "Good One"
      0.5 5.0/5 "Blown Away!"
      It is a simply save credit card i am using of state bank of India . The credit limit i got from the bank is 1.64Lakh cash withdraw options also availed . Balance transfer option is also given . i get Reward points on using the card .there are annual charges but if i use more than 75K the annual fee will be waived off .
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 29, 2017
    • review Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I like SBI credit card very much. As soon as I make my credit card payment, getting reward points and its reflecting on the credit limit within fraction of seconds. The payment method is very simple and faster compared to other banks. The credit limit was satisfactory. They charging annual fee but it wil be waived off according to the usage.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Nov 28, 2017
    • review Credit Card
      "Best to use"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI. The service was very good. I am using it from more than a year. It is a simply save credit card. They charge much rate of interest. So fa I didn't utilize the reward points. I used much and cleared all the bills. The EMI conversion is flexible and easy.
      Was this review helpful? 0
      , chennai
      Reviewed on Nov 15, 2017
    • review Credit Card
      "Good One"
      0.5 5.0/5 "Blown Away!"
      The customer service is really good from the STATE BANK OF INDIA side . The bank gave me a credit limit of 90K . Its been 4 months now i am using the credit card . Cash withdraw option is there for 27K . The bank gave me option of Balance transfer on the card .There are offers like reward points and many other good offers . It is a Simply save credit card which I am using.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 15, 2017
    • review Credit Card
      "Good to hold"
      0.5 4.0/5 "Great!"
      I hold simply click credit card with SBI around 7 to 8 months. The experience is good. They do offer reward points and I am happy. They have provided less credit limit compared to others which am satisfied. They charge annual fee, If I spend more than 1.5L it will be waived off.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 10, 2017
    • review Credit Card
      "Easy to hold"
      0.5 5.0/5 "Blown Away!"
      I hod a master credit card with State bank of India. i just use this credit card for government dealing like bill payments and other related to government sectors.Yearly they charge 599 annually. They provide 2 movie tickets every month. I have some reward points but not used yet.Its been for 6 years i am using this card and i have renewed twice.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 09, 2017
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