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.

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:

 List of SBI Credit Cards available with Rewards benefits:

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.