State Bank of India (SBI) is the second largest credit card provider in India with a customer base of over 6 million by Q3 2018. The bank offers a wide variety of credit cards in different categories including lifestyle, rewards, shopping, travel, fuel, and co-branded.
Each SBI credit card is crafted to suit the needs of targeted users. The bank's partnership with retail merchants, online retailers, airline companies, fuel dealers, etc., made the cards versatile. Now users can choose the cards based on their spending patterns and get the most benefits.
Features And Benefits of SBI Cards:
SimplyCLICK SBI Card
Key Highlights: Provides attractive deals on all online spends and exclusive benefits at partner stores including Amazon.in, BookMyShow, Clear Trip, Food Panda, Lenskart, and Urbanclap.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.1 lakh.
Joining Bonus: An Amazon gift voucher worth Rs.500 once the joining fee is paid.
Features and benefits:
- 5 reward points on all online spends.
- 10 reward points on online partner spends.
- Rs.2,000 worth e-voucher on annuals spends of Rs.1 lakh and Rs.2 lakh.
- 1% fuel surcharge waiver for transactions between Rs.500 and Rs.3,000.
- Enabled for contactless payments.
Rewards redemption option: Reward points can be redeemed for e-vouchers of partner brands.
Suitable for: People who frequently do online shopping especially at the listed partner stores.
SimplySAVE SBI Card
Key Highlights: Provides attractive deals and offers on everyday spends such as dining, entertainment, grocery, and departmental stores.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.1 lakh.
Bonus Rewards: Get 2,000 bonus reward points on spending Rs.2,000 or more in the first 60 days of card issuance.
Features and benefits:
- 10 reward points on specific categories including movies, dining, grocery, and departmental store spends.
- 1% fuel surcharge waiver for transactions between Rs.500 and Rs.3,000, valid at all petrol stations in India.
Rewards redemption option: Reward points can be redeemed for products or vouchers from SBI's rewards catalogue.
Suitable for: People who use their credit card for daily shopping needs.
Yatra SBI Card
Key Highlights: Offered in partnership with Yatra.com, the Yatra SBI Card provides exclusive benefits on domestic and international travel bookings made on Yatra.com.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.1 lakh.
Joining Bonus: Yatra.com gift voucher worth Rs.8,250 on payment of 1st year annual fee.
Features and benefits:
- Up to Rs.1,000 discount on domestic flight bookings made through Yatra.com.
- Up to Rs.4,000 off on international flight bookings made through Yatra.com.
- 20% off on hotel bookings made within India on Yatra.com.
- 2 free airport lounge visits per quarter within India.
- Complimentary air accident cover worth Rs.50 lakh.
Rewards redemption option: Reward points can be redeemed for gift vouchers from Yatra. 1RP = Rs.0.25; Minimum redemption points & 1,000.
Suitable for: People who frequently travel by air within India.
FBB SBI STYLEUP Card
Key Highlights: Provides round-the-year discounts at all Fbb and Future group's retail stores such as Big Bazaar, Food Bazaar, etc.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards).
Joining Bonus: Fbb gift voucher worth Rs.500. Anniversary bonus of 2,000 reward points every year.
Features and benefits:
- Flat 10% round-the-year discount at Fbb and Big Bazaar stores.
- 10X more reward points on purchases at Fbb, Big Bazaar, and Food Bazaar outlets and also on dining expenditures.
- 1% fuel surcharge waiver for transactions between Rs.500 and Rs.3,000 valid at all petrol stations in India.
Rewards redemption option: Reward points can be redeemed for products or vouchers from SBI's rewards catalogue.
Suitable for : People who frequently shop at Future Group retail stores like Fbb, Big Bazaar, Food Bazaar.
BPCL SBI Card
Key Highlights: The BPCL SBI Card provides fuel related benefits at all Bharat Petroleum Petrol Stations. From accelerated reward points for fuel spends, fuel surcharge waiver, to reward point redemption against fuel purchases, most benefits offered by the card are related to fuel spends.
Joining Fee: Rs.499
Renewal Fee: Rs.499 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.50,000.
Joining Bonus: 2,000 reward points worth Rs.500 upon paying the joining fee.
Features and Benefits:
- 13 reward points on fuel spends at BPCL petrol pumps.
- 5 reward points on movies, dining, departmental stores, groceries, utility bill payments through standing instructions.
- 1% fuel surcharge waiver on fuel transactions up to Rs.4,000
Rewards redemption option: Rewards can be redeemed instantly for fuel purchases and BPCL vouchers at all BP fuel stations across India. Also redeemable for merchandise at SBI rewards catalogue.
Suitable for: People who consume fuel on a daily basis for their regular commute.
IRCTC SBI Platinum Card
Key Highlights: IRCTC SBI Platinum Card is the first and only credit card that provides savings on Indian railway ticket bookings.
Joining fee: Rs.500
Renewal fee: Rs.300 (2nd year onwards)
Joining bonus: 350 reward points on conducting a single transaction worth Rs.500 or more within 45 days of card set-up.
Features and Benefits:
- 10% value back on IRCTC tickets booked for AC1, AC2, AC3 and AC CC.
- 1.8% railway surcharge waiver when booked through IRCTC website.
- Offers on travel, dining, golf, entertainment, etc., powered by Visa.
Rewards redemption option: Redeem reward points for IRCTC tickets on AC1, AC2, AC3 and AC CC.
Suitable for: Frequent IRCTC travelers, especially those who prefer air conditioning coaches.
Air India SBI Platinum Card
Key Highlights: Truly rewarding for loyal Air India travelers with a complimentary membership to Flying Returns, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, etc.
Joining Fee: Rs.1,499
Renewal Fee: Rs.1,499 (2nd year onwards)
Joining Bonus: 5,000 reward points on payment of joining fee. Complimentary membership to Air India's frequent flyer program & Flying Returns.
Features and Benefits:
- 15 reward points per Rs.100 spent on Air India tickets
- Renewal bonus includes 2,000 reward points every year.
- 8 free airport lounge visits per year to domestic VISA lounges in India.
- Lost card liability cover worth Rs.1 lakh.
Rewards redemption option: Convert reward points into Air India miles. (1RP = 1 Air Mile). Use the air miles for booking tickets at Air India website.
Suitable for: Air travellers who prefer to fly on Air India.
SBI Card PRIME
Key Highlights: Card with premium benefits across various walks of life including shopping, dining, hotel booking, travel, golf, etc.
Joining fee: Rs.2,999.
Renewal fee: Rs.2,999 (2nd year onwards). Waived if the total spends in the previous year exceed Rs.3 lakh.
Joining Bonus: e-gift voucher worth Rs.3,000 from partner brands. Voucher will be sent upon receiving the joining fee.
Features and benefits:
- Up to 20 accelerated reward points on utility bill payments through standing instructions, spends at partner stores, dining, grocery, and movies.
- E-gift voucher worth Rs.1,000 on spending Rs.50,000 in a quarter, e-gift voucher worth Rs.7,000 on spending Rs.5 lakh in a year.
- Complimentary membership to Trident Privilege Red Tier Programme that provides exclusive benefits on hotel stays.
- Free Club Vistara Silver membership.
- 8 free domestic airport lounge visits and 4 international lounge visits in a year.
- 4 complimentary golf rounds per year.
Rewards redemption option: Reward points can be redeemed for cash against card outstanding (4 RP = Rs.1).
Suitable for: Elite customers with high credit card usage in all areas of life.
SBI Card ELITE
Key Highlights: Another elite-class credit card that provides premium privileges across all lifestyle categories including travel, dining, entertainment, regular spends, etc.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards). Waived if the total spends in the previous year equals Rs.10 lakh or more.
Joining benefit: e- Gift voucher worth Rs.5,000 from partner brands.
Features and benefits:
- Accelerated reward points on spends related to dining, grocery and departmental stores.
- Complimentary movie tickets worth Rs.6,000 every year.
- Up to 50,000 bonus reward points on annual spends of 2-4 lakhs.
- 6 free international lounge visits, 2 domestic lounge visits per year.
- Complimentary membership to Club Vistara and Trident Privilege Program.
- Low Forex mark-up fee of 1.99%.
Rewards redemption option: Reward points can be redeemed for cash against card outstanding (4 RP = Rs.1).
Suitable for: High-income individuals seeking privileges across various lifestyle categories.
Air India SBI Signature Card
Key highlights: For Air India travellers, the card offers complimentary membership to Priority Pass Program, accelerated reward points on Air India spends, reward point redemption for Air Miles, free airport lounge visits, etc.
Joining fee: Rs.4,999
Renewal fee: Rs.4,999 (2nd year onwards).
Joining bonus: 20,000 reward points on payment of joining fee.
Features and benefits:
- 30 reward points per Rs.100 spent on Air India tickets
- Renewal bonus includes 5000 reward points every year.
- Complimentary membership to airport Priority Pass Program
- 8 free airport lounge visits per year to domestic VISA lounges in India.
- Up to 1 lakh bonus reward points every year.
- Lost card liability cover worth Rs.1 lakh.
Rewards redemption option: Convert reward points into Air India miles. (1RP = 1 Air Mile). Use the air miles for booking tickets at Air India website.
Suitable for: Air travellers who prefer to fly on Air India.
Eligibility to Apply For SBI Credit Cards
The eligibility criteria to apply for SBI credit card varies for each card. The main factor that the bank looks for while issuing the credit card is the income to expense ratio of the applicant.
The more the income, the better would be the chances to get a premium card with most privileges. However, the minimum eligibility criteria is listed below for your reference.
| Age |
21 to 60 years |
21 to 60 years |
| Income |
Minimum Rs.20,000 per month |
Minimum ITR per year & Rs.5 lakh |
| Credit score |
Above 700 |
Above 700 |
Check Eligibility For SBI Credit Cards Online
One can check the eligibility to apply for SBI credit cards online using SBI Card website and also through Bank Bazaar website.
- Check on sbicard.com : Visit sbicard.com and use the 'Simplyfier' option to find your eligibility to apply for an SBI Card. Once you provide the required details, the list of cards for which you can apply for will be displayed.
- Check on bankbazaar.com : Visit www.bankbazaar.com/sbi-credit-card.html page to find the list of SBI cards we offer. Click on the 'Check Eligibility' button to check your eligibility for the card.
Documents Required To Apply For SBI Credit Cards
| Proof of Identity |
Any one of the documents
- Passport
- PAN Card
- Ration Card
- Aadhaar card
- Voter's ID card
- Driving license
|
| Address proof |
Any one of the documents
- Telephone bill
- Electricity bill
- Passport
- Ration card
- Rental agreement
- Aadhaar card
|
| Income proof (For salaried) |
- Salary certificate
- Recent salary slip/s
- Employment letter
|
| Income proof (For self-employed) |
- Certified financials
- Recent ITR (Income Tax Returns)
- Audited profit and loss statement or balance sheet
|
SBI may ask for additional documents based on its internal policies and as per the applicant's profile. The above list is for reference purpose only.
How To Apply For SBI Credit Cards Online?
If you are looking for a paperless approval process, you can apply through our BankBazaar website. You can check your eligibility for SBI Credit Cards, apply and upload all the required documents on the website to have a hassle-free application process.
If you apply through BankBazaar.com, which is an authorised partner of SBI Cards, you can enjoy the following benefits &
- CIBIL score check for free
- Instant eligibility check
- Instant approval for eligible applicants
- Paperless processing
- Free gift vouchers
- A chance to win exciting gifts
Follow The Steps To Apply For SBI Credit Cards Through Bankbazaar.Com.
- As you're already on the SBI Credit Card page, you can find the list of SBI cards on the top of the page.
- Choose a card and click on the ' Check Eligibility ' button
- You will be prompted with a list of questions
- Answer them to know your eligibility.
- If you're eligible for the card, you will be redirected to the online application page.
- Fill all the required fields on the page before clicking on 'Submit'.
- You will then be asked to upload the documents - do the same and click on 'Submit'
On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the ' Track Application ' feature.
Reward Points Offered On Top 10 SBI Credit Cards
SBI offers the 'Shop-and-Smile rewards program' to all eligible SBI credit cardholders allowing them to earn rewards while they spend on their card. Reward points can be earned for shopping, dining, travel and other types of transactions done with an SBI Card.
The accrued points can be redeemed for a variety of gifts from the online rewards catalogue. Various categories of products include electronics, vouchers, lifestyle products, travel vouchers, accessories, home decor, gifts, apparel and much more.
Listed below are the reward points offered on the top 10 SBI Credit Cards.
| SimplyCLICK SBI Card |
1 reward point on all spends |
10 (10X) reward points on e-shopping. |
| SimplySAVE SBI Card |
1 reward point on all spends |
10 reward points on grocery, dining, movies, and departmental store spends. |
| Yatra SBI Card |
1 reward point on all spends |
6 reward points on grocery, dining, movies, entertainment, international purchases and departmental stores spends. |
| FBB SBI STYLEUP Card |
1 reward point on all spends |
10X reward points on purchases made at Fbb stores, Food Bazaar & Big Bazaar stores and on dining spends. |
| BPCL SBI Card |
1 reward point on all spends |
5 (5X) reward points on grocery, dining, movies, departmental stores spends, and on utility bill payments made through standing instructions on the card. |
| IRCTC SBI Platinum Card |
1 reward point on every Rs.125 spent on retail transactions including railway ticket bookings |
10% value back as reward points on IRCTC ticket bookings for AC1, AC2, AC3 and AC CC coaches |
| Air India SBI Platinum Card |
2 reward points on all spends |
Up to 15 reward points for booking tickets on Air India. |
| SBI Card PRIME |
2 reward points on all spends |
- 10 reward points on spends related to grocery purchases, dining, movies, and departmental stores
- 15 points on Big Basket and Reliance Group brands and Sahakari Bhandar stores
- 20 reward points on utility bill payments made through standing instructions
|
| SBI Card ELITE |
2 reward points on all spends |
10 (5X) reward points on spends related to grocery purchases, dining, and departmental stores |
| Air India SBI Signature Card |
4 reward points on all spends |
Up to 30 reward points on Air India tickets bookings. |
Besides the regular and accelerated reward points, the cards also offer bulk reward points as welcome bonus, annual spend bonus, milestone rewards, and others.
Other SBI Credit Cards
Listed below are all other credit cards offered by SBI. Please note that the cards are not offered by BankBazaar. To apply for the cards, please visit SBI Cards official website.
| SBI Card Unnati |
Free for 1st 4 years. From 5th year onwards Rs.499 |
Basic, regular |
| SimplySAVE Advantage SBI Card |
Rs.499 |
Lifestyle |
| SimplyCLICK Advantage Card |
Rs.499 |
Online shopping |
| Apollo SBI Card |
Rs.499 |
Health (Apollo Health) |
| Doctor's SBI Card (in association with IMA) |
Rs.1,499 |
Doctors Card |
| Doctor's SBI Card |
Rs.1,499 |
Doctors Card |
| SBI Card ELITE Advantage |
Rs.4,999 |
Premium - Lifestyle |
| SBI Card PRIME Advantage |
Rs.2,999 |
Premium - Lifestyle |
| Tata Platinum Card |
Rs.2,999 |
Premium - Shopping |
| Tata STAR Platinum Card |
Rs.2,999 |
Premium - Shopping |
| Central SBI Select+ Card |
Rs.2,999 |
Premium - Shopping |
| Central SBI Select Card |
Rs.750 |
Shopping |
| Capital First SBI Card |
Rs.499 |
Lifestyle |
| Karnataka Bank SBI Platinum Credit Card |
Rs.2,999 |
Premium - Lifestyle |
| Karnataka Bank SBI SimplySAVE Card |
Rs.499 |
Lifestyle |
| South Indian Bank SBI Platinum Credit Card |
Rs.2,999 |
Premium & Lifestyle |
| South Indian Bank Simply Save SBI Card |
Rs.499 |
Lifestyle |
| LVB SBI Platinum Credit Card |
Rs.2,999 |
Premium & Lifestyle |
| LVB SBI SimplySAVE Card |
Rs.499 |
Lifestyle |
| Federal Bank SBI Platinum Credit Card |
Rs.2,999 |
Premium & Lifestyle |
| Federal Bank SBI Credit Card |
Rs.499 |
Regular |
| KVB SBI Signature Card |
Rs.4,999 |
Premium & Lifestyle |
| KVB SBI Platinum Credit Card |
Rs.2,999 |
Premium & Lifestyle |
| Karur Vysya Bank - SBI Card |
Rs.499 |
Regular |
| OBC - SBI Platinum Credit Card |
Rs.2,999 |
Premium - Lifestyle |
| OBC & SBI Card |
Rs.499 |
Regular |
| Bank of Maharashtra - SBI Platinum Credit Card |
Rs.2,999 |
Premium - Lifestyle |
| Bank Of Maharashtra - SBI Card |
Rs.499 |
Regular |
SBI Credit Card Tips
Benefits of using a Credit Card
You thought a Credit Card was all about using credit and paying bills? Nah! Credit Cards can actually be rewarding. Already know the benefits of using a Credit Card?
Get Rewarded
Credit Cards give you reward points every time you swipe. Redeem these points for goodies! Cards like SBI Simply Save Card give you 2000 points as joining bonus.
Get It All Back
Cashback Credit Cards can give you cash back on selected purchases. With the Kotak Delight Credit Card, get cash back on all dining and movie spends.
It's Complimentary
You could get free movie tickets, shopping coupons and more with your Credit Card. Take the Indusind Platinum Aura Edge VISA Card. It gives you gift vouchers worth Rs. 5,000 as joining bonus.
Fly Away
Frequent Flyer? Get free flight tickets using your Credit Card. With the Jet Airways American Express Card, you get one-way complimentary Jet Airways Base Fare waived domestic ticket on your first charge.
There's more! Get your Credit Card from us and we will make it even more rewarding for you.
12th September 2017
How to know if your Credit Card is hacked?
Where there is a crime, there will be clues. Get going, Sherlock.
Start Looking
Check your transaction history regularly. There are expenditures, but not yours? Gotcha!
Third-Party Retailers
You stored your card details on an online retailer’s website. The website got hacked. Sirens.
Beep-Beep
Banks send you transaction details in an email/SMS. You get an alert while you’re asleep. Ding!
Imposter
An imposter might try to change the PIN and password of your Credit Card account. Any unsolicited notification regarding a change is your clue to act!
Upgrade to the latest chip-and-pin Credit Card for better security.
After the demonetisation drive, a large number of people have started using their Credit Cards. Are you one of them? Or wait, don’t have a Credit Card yet? This is the time to go for one.
Racing Ahead
According to news reports, Credit Card usage in the country has gone up by 40% after the demonetisation drive.
Small Tickets
The number of people swiping their card for transactions less than Rs. 500 has gone up by 65%.
Big Fish
There was a whopping 75% jump in the number of users who swiped more than Rs. 500.
Huge Rush?
Banks have reported a sharp spike in the number of Credit Card applications, since November 8, 2016. There are about 754 million Credit and Debit card users in the country.
Want to join the herd? Go ahead and get yourself a Credit Card today. We have plenty of them to choose from.
- What are the various types of credit cards offered by SBI?
SBI Cards offers you a wide range of credit cards that are specially designed to meet your needs as per your usage. They fall under five major categories.
- Premium cards
- Travel & Shopping cards
- Classic cards
- Exclusive cards
- Corporate cards
Some of the popular credit cards offered by SBI include SBI Signature Card, SBI Platinum Card, SBI Gold and More Card, IRCTC SBI Card, Air India SBI Signature Card and Air India SBI Platinum Card.
- How do I apply for a SBI credit card?
You can apply for a SBI credit card online on the SBI Cards website as well as on BankBazaar.com. BankBazaar will give you a list of credit cards based on your needs for which you are eligible to apply. You can also compare cards on BankBazaar to make your decision process simpler.
- What documents would be required during the application process?
You will require a copy of PAN card and a valid ID proof (passport, Voter ID, Aadhar UID or driving license) to complete the online application. You might be asked to submit passport sized photographs and salary slips if necessary.
- What Value Added Services on cards is offered by SBI?
- Balance Transfer – This lets you transfer all your high-rate credit card balances to SBI Card and save interest.
- BT on EMI – This lets you transfer all your high-rate credit card balances to SBI Card and convert to easy monthly instalments at 3 or 6 months.
- Flex pay – This is also an EMI service that lets you convert big purchase amounts to easy instalments.
- Easy Money – This plan lets you save on loan interest rates.
- E-Statement – You can receive monthly credit card statements right in your inbox.
- Encash – With this “money-on-call” option, get a cheque delivered within 3 working days to fulfil your sudden financial needs.
- SBI Credit Cards Insurance – With this Card Protection Plan (CPP), you can get your credit, debit and ATM cards insured.
- How do I report a lost or stolen credit card?
The first and foremost thing to do when you lose the card or your card is stolen is to report it to the bank authorities. SBI will freeze or deactivate the card to prevent misuse. The bank might ask for the credit card number and the date of last transaction to deactivate the card.
- What are some of the features of IRCTC SBI Credit Card?
This is a special credit card co-branded by IRCTC and SBI specifically designed for the Indian traveller. You stand to claim reward points, transaction fee waiver on online booking and other unique options with this credit card. Some of the features are:
- Upto 10% value-back on all booking except for Third-AC tickets.
- One reward point for every Rs.125 spent on Railway ticket purchases
- Waiver of 1.8% transaction charges on online booking
- What is an add-on card?
An add-on card is usually for the dependants of the card holder like spouse, parents or children. All expenses incurred on an add-on card are billed to the credit card holder. Add-on cards do not get additional credit limit.
- What do I do with the reward points that I get on each transaction with my credit card?
With SBI’s “Shop & Smile Rewards” program, you can redeem the reward points accumulated on your credit card to purchase products ranging from electrical appliances to lifestyle accessories.
- What is an APR?
Simply put, APR or the Annual Percentage Rate is the yearly rate of interest on your card. Using APR, you can compare how expensive a transaction will be on a particular credit card. The interest rate may be applied to credit card purchases, cash advance or penalty.
- What is the annual fees for SBI Platinum credit card?
The joining fee is Rs.4999. Annual fee is Rs.2999 exclusive of service tax. Add-on card can be availed without paying any extra amount.
- How can I pay my SBI credit card bills?
You can pay the SBI credit card bills through any of these options – utility bill payments, Visa credit card pay, via Paynet, via Paycash, Electronic clearing, ATM, Locate&Pay, AutoDebit, Mobile Banking, net Banking and via NEFT transfer.
- For a frequent air traveller like me, what would be the most suitable SBI credit card?
Air India SBI Credit card. You get countless benefits like complimentary membership to frequent-flyer program, access to luxury lounges in the airports and extra air-miles.
What To Do If Your Credit Card Is Lost
Getting a new Credit Card has never been easier.
In case you lose your Credit Card, stay calm. We'll tell you what to do.
Inform your Credit Card issuer immediately. Call customer service and report your card missing. Give them details of your last transaction. This will help them monitor fraudulent activities on your Credit Card. Request a replacement of your card. File a complaint at the police station in the area where you lost your card. Remember to review your Credit Card statements and keep an eye out for any unauthorised transactions. Now, if you're looking for a new Credit Card, you could start by checking out our amazing offers.
*Terms Conditions Apply. Credit at the sole discretion of the bank.
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