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    SBI Credit Card Reward Points

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    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 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.

    SBI Bank Credit Card Reward Points Redeem
    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 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?

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    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.
    Compare Cards

     

     

    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

    Did you know that Mr. Kumar’s Credit Card gets him free movie tickets every month? Get A Card

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    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar’s partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    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.

      27 March 2017

    SBI Credit Card Reward Points Reviews

    Write a Review
    • review Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I am having a credit card with SBI from last 4-5 years, the credit limit is sufficient in SBI credit card. I am getting good offers like reward points on this credit and the conversion value is also good. I am satisfied with the credit limit provided by SBI credit card.
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      , kolkata
      Reviewed on Nov 15, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 5 years, Rs 5000 has to be paid as an annual fee for this credit card. The credit limit is sufficient in SBI credit card. I get good offers like movie tickets and reward points in this credit card. All my transactions are hassle free in this card.
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      , mumbai
      Reviewed on Nov 01, 2018
    • review Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      I am having Signature credit card with SBI from last 2 years, annual fee is applicable in this credit card but they gave voucher in return. The credit limit is fine in this credit card. I am getting good offers like reward points in this credit card.
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      , surat
      Reviewed on Nov 01, 2018
    • review Credit Card
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I have a credit card with SBI from last 8 years, it is a prime credit card where i get good reward points and the conversion value is also good. There was no annual fee charged for this credit card and the credit limit is fine in SBI credit card.
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      , bangalore
      Reviewed on Nov 01, 2018
    • review Credit Card
      "Best service"
      0.5 4.5/5 "Excellent!"
      I have been using the STATE BANK OF INDIA savings account. since more than one year, I enjoy complimentary movie ticket every month with lot of reward points. Their Online Transactions are smooth and easy. The customer care experience is also very good. Overall it is very good
      Was this review helpful? 0

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      , new delhi
      Reviewed on Oct 31, 2018
    • review Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I have a credit card with SBI from last 10 years, there was no annual fee charged for this credit card. It is a Signature credit card where i get offers like movie tickets and good reward points. I am happy with the credit limit in SBI credit card.
      Was this review helpful? 1

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      , visakhapatnam
      Reviewed on Oct 30, 2018
    • review Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      State Bank of India offers more reward points for the credit card. Its a SIMPLY CLICK card but the credit limit is not more sufficient. I do lot of online transactions so its very much useful. They charge annual fee for a year. EMI option is available for the payment conversion.
      Was this review helpful? 1

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      , new delhi
      Reviewed on Oct 24, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from more than 1 year, an annual fee of Rs 499 has to be paid for this credit card. It is a simply save credit card where the offers like reward points are good and the conversion value is also good. The credit limit is sufficient in this credit card.
      Was this review helpful? 0

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      , hyderabad
      Reviewed on Oct 19, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with SBI from last 1 year, there was no annual fee charged at the time of getting this credit card. It is a platinum credit card where i get good offers like reward points and cash back. The credit limit is fine in SBI credit card.
      Was this review helpful? 1

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      , mumbai
      Reviewed on Oct 11, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I hold a Signature credit card with SBI from quite long time, the credit card services are very good when compared to other cards. The credit limit is fine in this credit card and there was no annual fee charged. Offers like reward points are good and i get 2 free tickets every month from book my show.
      Was this review helpful? 0

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      , hyderabad
      Reviewed on Oct 08, 2018
    • review Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      I hold a credit card with SBI from last 1 year and it is a platinum credit card, there was no annual fee charged for this credit card and the credit limit is fine in this credit card. I get good offers like reward points and the conversion value is good in this credit card.
      Was this review helpful? 0

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      , bangalore
      Reviewed on Oct 08, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      SBI provides best services on credit card when compared to other credit cards. I am using this credit card from last 2 years and it is a simply click card. Reward points are good in this credit card and there was no annual fee charged for this card. The credit limit is fine in this card.
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      , kolkata
      Reviewed on Oct 01, 2018
    • review Credit Card
      "Best card to use"
      0.5 4.5/5 "Excellent!"
      I am using a credit card with SBI from last 2 years, it is a simply click credit card and i paid an annual fee of Rs 500 for this card. I get good offers like reward points in this credit card and the conversion value is good. The credit limit is sufficient in this card.
      Was this review helpful? 0

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      , hyderabad
      Reviewed on Oct 01, 2018
    • review Credit Card
      "Excellent"
      0.5 4.0/5 "Great!"
      I credit card was taken with SBI . The process was good and i hold simply click card.The credit limit 24,000 which is not satisfactory . The customer service and responses was up to the mark. Its a chargeable card and i am getting reward points.
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      , bangalore
      Reviewed on Sep 26, 2018
    • review Credit Card
      "Not satisfied"
      0.5 2.0/5 "Expected more"
      My credit card was taken with SBI 2 years back. They have offered simply click card and the credit limit is very good. The benefits are not good and reward point are not satisfactory also.The interest rate and charges are very much average here.
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      , chennai
      Reviewed on Sep 25, 2018
    • review Credit Card
      "Best card to use"
      0.5 5.0/5 "Blown Away!"
      I am using Elite credit card with SBI from last 2.5 years, an annual fee of Rs 4000 has to be paid for this credit card. I get benefits like reward points and 1+1 movie tickets from book my show. The credit limit is fine in SBI credit card and all my transactions are hassle free in this card.
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      , hyderabad
      Reviewed on Sep 25, 2018
    • review Credit Card
      "Very good"
      0.5 3.5/5 "Pretty good"
      My credit card was taken with SBI 6 months back. They have offered visa card and the credit limit is 24,000 which is not satisfactory . I did get any benefits and i am getting good reward points . I have 24/7 helpline number and its a 0 balance account .
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      , bangalore
      Reviewed on Sep 24, 2018
    • review Credit Card
      "Satisfactory"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with SBI 5 years back. They have offered platinum card and the credit limit is 1,21,000 which is satisfactory . The customer service and responses was up to the mark. Its a chargeable;e card and the annul fee is high. I can do balance transfer and reward points .
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      , chennai
      Reviewed on Sep 24, 2018
    • review Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI 8 years back. I hold platinum card and the limit is 1,12,000 which is not satisfactory . The customer service and responses was very goo.d. Its a life time free card and i am getting good reward points but i am not using it.
      Was this review helpful? 0

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      , mumbai
      Reviewed on Sep 22, 2018
    • review Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      My credit card was taken with SBI 6 years back. I hold simply save card and the credit limit is 1,10,000 which is sufficient. Their customer service and responses was up to the mark. Its a chargeable card and the benefits are reward points but never received it.
      Was this review helpful? 2

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      , new delhi
      Reviewed on Sep 21, 2018
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