SBI Credit Card Reward Points

How to Earn SBI Credit Card Reward Points

The rate at which you earn reward points is based on the type of credit card that you have. You can learn more about the rewards earning structure by following these steps:

• Step 1: Visit the website, https://www.sbicard.com/en/personal/rewards.page?
• Step 2: Select the type of credit card.
• Step 3: Click on ‘Terms & conditions’
• Step 4: Choose ‘Shop-and-Smile'
• Step 5: Click on ‘Points Earned/Accumulated/Redeemed In The Program’ and you will see the rewards points you can earn for every kind of transaction.

How to Redeem SBI Credit Card Reward Points

You can redeem your SBI credit card reward points through:

• The SBI website
• The SBI mobile app

How to Redeem SBI Credit Card Reward Points Via the SBI Website

• Step 1: First, log into the sbicard.com
• Step 2: Select ‘Rewards’ and choose 'Redeem Rewards’
• Step 3: Go through the Rewards Catalogue and select the items you want to buy
• Step 4: Select ‘Redeem now’ and click on 'Confirm’.

How to Redeem SBI Credit Card Reward Points Through the SBI Mobile App

• Step 1: Log into the to SBI mobile app.
• Step 2: Select ‘Rewards’ on the left hand and choose ‘Redeem Rewards’
• Step 3: Go through the Rewards Catalogue and choose the reward items that you want to buy
• Step 4: Choose ‘Redeem’ and then click 'Confirm’.

List of SBI Credit Cards Available with Rewards Benefits

SBI Credit Card Rewards Catalogue

You can redeem your reward points earned on SBI credit cards form the SBI website on these categories:

• Accessories
• Apparel and superstore
• Books and periodicals
• Electronics
• Entertainment and dining
• E-voucher
• Health and fitness
• Homeware
• Kids Zone

You can visit, https://www.sbicard.com/en/personal/rewards.page and redeem your reward points.

Air Mile Conversion of SBI Credit Card Reward Points

For converting reward points to Air Miles, you can call the SBI credit card helpline at 1860 180 1290 or 39020202.

You will need to have a minimum of 10,000 Reward Points to convert your reward points into air miles for an Air India SBI Signature Card and you will need a minimum of 5,000 Reward Points to convert into air miles for an Air India Platinum Card. The air mile redemption will need be in multiples of 5,000. These will be converted within 7 working days from the date on which you request for the same.

Transactions that are not Eligible for Reward Points

You cannot earn reward points on these transactions:

• Cash withdrawal
• When you load your e-wallet
• Disputed transactions
• When you make a balance transfer
• Encash or Dial-a-draft facility
• For fuel purchases at petrol pumps or service stations
• When you make payment of financial charges like dishonoured cheque charges, and late payment charges.

FAQs on SBI Credit Card Reward Points

1. What are the charges of redemption fee on SBI Card?

   When you redeem reward points on your credit card, you will be charged a fee of Rs.99+ tax.

2. Do the reward points accrued on my card expire?

   Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.

3. What are the different options by which the Reward Points can be redeemed?

   You can redeem your reward points for gift cards, shop online, buy products from the bank's catalogue, or convert them to cash or air miles.

4. Do the reward points accrued on my card expire?

   You can convert the reward points earned on your credit card via the bank's website. The general process is to visit the net banking portal of the bank and go to the Redeem Reward Points'. This process can change from one bank to another.

5. Within what time will I get the items redeemed against the rewards points?

   E-vouchers will be delivered within 5 calendar days and gifts will be delivered within 15 calendar days.

6. How long will it take for me to get the items that have been redeemed against the credit card reward points?

   Depending on the item, the time will vary and is mentioned below:

   • Gifts: 15 days
   • E-Vouchers: 5 days
7. What is the procedure to use the reward points to redeem cash?

   In order to use the rewards points to redeem cash, you will need to contact the bank’s customer care or send an email to sbicard.com/email.

8. What is the process to redeem the reward points via SBI’s mobile app?

   The process to redeem the reward points via the bank’s mobile app is mentioned below:

   • Log in to the mobile app.
   • Select ‘Rewards’.
   • Next, select ‘Redeem Rewards’.
   • Choose the reward items on the next page.
   • Select ‘Redeem’ to complete the process.
9. What is the process to redeem the reward points on the bank’s website?

   The process to redeem the reward points on the bank’s website is mentioned below:

   • Visit sbicard.com.
   • Log in to your account.
   • Select ‘Rewards’.
   • Next, select ‘Redeem Rewards’.
   • Choose the reward items on the next page.
   • Select ‘Redeem’ to complete the process.
10. What are the different options by which the Reward Points can be redeemed?

    The different options by which the Reward Points can be redeemed are mentioned below:

    • Cash
    • Gift voucher
11. Do the reward points accrued on my card expire?

    Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.