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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.

     

    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 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.

     

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    SBI Credit Card Reward Points Reviews

    • review Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I got a credit card from State Bank of India which is Co-branch of KVB. I have been using Platinum card for about 3years. The annual fee is not applicable since am a staff of KVB. They have offered a limit of 75K and it wil be happy if they could do higher also. Am getting an offers for fuel filling and Amazon purchase which I never used it. Once I paid the payment delayed for one day, they have charged me highly.
      Was this review helpful? 1
      , ramanathapuram
      Reviewed on Oct 11, 2019
    • review
      review Credit Card
      "Good service"
      0.5 3.0/5 "Satisfactory"
      I am using State Bank Of India credit card which was taken through Bank direclty.I am using this credit card for the past 2 years ,The credit limit was really good and it was upto 50,000.This was a free card ,customer service is really good and banking service is also good ,I have got all the required details about the card process very clearly through the agent .
      Was this review helpful? 0
      , begusarai
      Reviewed on Oct 04, 2019
    • review Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I use SBI credit card for a year, they have provided me a balance transfer option which is good. I haven't interacted with the customer support. The credit limit is decent. The annual fee is applicable of Rs.300 or 400. I am getting reward points and discounts when I am doing shopping from Big Bazaar.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 19, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. I have been using this card for the past two years. Credit limit is only 57 thousand, I was expecting at least 1.5 lakhs. it's a lifetime free credit card. Their bill payment system is very simple and easy.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 18, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Credit card for the past 2-3 years. I am really happy with the features of this card. Credit limit is also sufficient for me. Annual fee is chargeable. There is reward points and offers. Bill payment is very easy.
      Was this review helpful? 1
      , mumbai
      Reviewed on Sep 18, 2019
    • review Credit Card
      "EMI interest should be economical"
      0.5 4.0/5 "Great!"
      SBI credit card rate of interest is huge for the emi I have been holding this card for last two years. I converted Rs.25,000 into emi for nine months of duration with the interest rate of 9.5% per annum its should be reduced as per the market. But I like this card because many offers provided by SBI especially at amazon, big bazaar shoppings.
      Was this review helpful? 0
      , chennai
      Reviewed on Sep 14, 2019
    • review Credit Card
      "Credit limit should be upgraded"
      0.5 5.0/5 "Blown Away!"
      This is a good card I am using it for last 5 to 6 years but I have concern about my SBI credit card limit though I am an existing customer they didn't increase the limit and I have good credit score as well so they should consider. But they do have airport lounge or travel bookings discounts.
      Was this review helpful? 0
      , new delhi
      Reviewed on Sep 14, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. I have been using this card more than 2 years. My credit limit is very less, it's only 35 thousand. Their charges are more in comparison to other banks. I am not satisfied with their customer service, very difficult to reach them.
      Was this review helpful? 9
      , bangalore
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I had a State Bank of India credit card. I used that card for almost 4 years. I deactivated the card because credit limit was very very low. My credit limit was only 10 thousand. I had to pay annual fee Rs. 500. I am not satisfied with their customer service.
      Was this review helpful? 10
      , hyderabad
      Reviewed on Aug 26, 2019
    • review Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card from last one month, so it has very good shopping offers through online purchase. Even I do have cash back offers and reward points offer based on the transactions but they did not generate my first month credit card statement.
      Was this review helpful? 0
      , kolkata
      Reviewed on Aug 24, 2019
    • review Credit Card
      "Hosume"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India simple save credit card past 6 months ago .The Annual charger Rs 499. . While documents submitted though on line . There is no delay while received credit card , sufficient limit is provide from banker end , Customer service is good and responsive.All notification email and message from banker end. While transaction through on line i will receive rewards point and cash back offer.
      Was this review helpful? 1
      , kolkata
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am using a State Bank of India credit card. Credit limit is nominal and annual fee is Rs. 499. I have been using this card over 7 years. SBI customer service is very helpful and responsive. Their mobile application is user friendly and bill payment is very simple and easy.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of india simply save credit card using through past 2 years ago .The Annual charger is applicable, sufficient limit is provide.while document submitted through executive . There is no delay credit card. Customer service is good, EMI option is applicable.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 17, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am holding a State Bank of India credit card. Their customer care is very helpful, they had provided clear information. I have been using this card for the last 5 years. Features of this card are really good. There is good offer but credit limit is very low.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I have a State Bank of India credit card. My credit limit is Rs. 55 thousnd, they have not increased the credit limit much. I have been using this credit card over 2 years. Annual fee is Rs. 500. Their customer service is very good. Bill payment is very easy.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have been using State Bank of India Credit card. I got the card on time. Credit limit is nominal but there is annual fee of Rs. 499. I have been using this credit card more than two years. I am getting reward points and cashback offers. Bill payment is very easy.
      Was this review helpful? 1
      , gurgaon
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Very good "
      0.5 4.0/5 "Great!"
      I have selected simply save credit card past 3 months ago The Annual Rs 499. Balance transfer option is applicable, while transaction through online i will receive rewards points and cash back offer through on line 10 percentage cash back , customer service is good and responsive , limit is sufficient is provide from banker end.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Not Satisfied"
      0.5 1.0/5 "Really Bad"
      I have a State Bank of India Bharat Petroleum credit card. I have been using this card over the last 2.5 years. I am quite satisfied with the revert point system for refilling fuel. Other than reward points other features are good. Credit limit is also enough.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I am holding a State Bank of India Platinum credit card. I have been using this card for the last 3 years. Credit limit is Rs. 65 thousand. The features are good and I am getting good offers. Bill payment is very easy their customer care is very responsive.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 16, 2019
    • review Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      I have a State Bank of India credit card. I have been using this card almost 4 months. I had received the card on time. Credit limit is nominal but annual fee is Rs. 6000. It's BPCL card and they are charging for refilling petrol. SBI customer service is good.
      Was this review helpful? 1
      , pune
      Reviewed on Aug 16, 2019
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