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    SBI Credit Card Reward Points

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    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 -

    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.

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