Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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    SBI Credit Card

    A glossy plastic card in your possession which is your passport for travelling to great locales, shop till you drop, gorge on exotic and lip smacking delicacies, and so on… All this is possible if you choose the credit card that is best suited for you and use it wisely. SBI sells credit cards in platinum, gold and silver variants which entices customers with opulent lifestyle choices. With exclusive benefits and special privileges like travel & lifestyle deals, fuel rewards, EMI options and cash advance facility, SBI credit cards will reward you with each spend that you make using the card.

    SBI Credit Cards

    Why Choose SBI Credit Cards

    • Variety of Cards

      SBI has one credit card for every lifestyle need of the customer. Be it travel, premium or lifestyle, SBI has a plenty of options to choose from.

    • Instalment Options

      Cardholders are provided the option to convert costly purchases to easy monthly instalments.

    • SBI Credit Cards Eligibility Criteria:Reward Schemes

      You stand to earn reward points every time a purchase is made with your SBI credit card. You can redeem the reward points against special deals and offers

    • Exclusive Privileges

      Other benefits like utility payments using cards, travel deals, shopping discounts, cash advance facility and balance transfer on EMI are also offered to the cardholders.

    Features and Benefits of SBI Credit Cards

    • SBI provides credit cards for anything and everything ranging from individual to corporate needs.
    • Limited liability for clients: This is highly useful to protect oneself from sham transactions in case of loss of card.
    • Code 10 calls are made when mercantile is doubtful about receiving a credit card payment which ensures secure transactions.
    • SBI Credit cardholders can use their credit card to withdraw cash from over 1 million ATMs over the world.
    • SBI Credit cards are accepted all over the world and is recognized at over million partner establishments across the globe.
    • Cardholders have the option to convert all the purchases into EMIs and with the Easy Bill facility, customers can easily pay their utility bills online.

     Apply for SBI Credit Card

    With time, credit cards have proved to be one of the most sought-after financial products available in the market. Credit cards have been instrumental in bringing a sea change in the spending habits of people. It is not only used across the world but it has been influencing the market for a long time now.

    There are quite a few reasons for the ever-growing popularity of credit cards in India. They not only make the cardholder’s shopping experience an easy affair but also make payment convenient. Also, credit cards come loaded with benefits. Also, on using them, cardholders can get rewards points. These benefits can be utilized to get a good amount of cashback or discount while shopping online and in stores. The reward points, once accumulated, can be redeemed for fabulous gifts. Cardholders can also collect AirMiles that can be redeemed to bag discounted air tickets or products from an airline catalogue. Apart from these, a cardholder can also enjoy fuel surcharge.

    However, banks set up certain eligibility criteria for individuals who wish to apply for a credit card. These criteria may differ from bank to bank but certain parameters remain fixed. For example, the minimum age required for application of credit cards is 18 years and a good credit score is mandatory. Other factors vary from minimum annual income to location of the applicant.

    One of the most reputed banks in India, the State Bank of India or SBI also offers a variety of credit cards. These credit cards come loaded with features and benefits for the cardholders. Individuals can apply for an SBI credit card through a number of methods.

    Apply for SBI Credit Cards Online

    Applicants can apply for an SBI credit card by visiting the official website, www.sbicard.com or through financial websites such as Bankbazaar.com.

    Apply Through SBI Website

    Applicants can visit the official website of SBI credit cards, www.sbicards.com, and click on ‘Apply’ which is on the top right hand side of the page. Under the 'Apply' tab, the applicant will have to choose from the following options:

    • Help Me Find a Card
    • Track My Application
    • Retrieve My Application

    The ‘Help Me Find a Card’ will lead the applicant to a list of 16 credit cards that they can choose from. Applicant can choose from these cards after considering their minimum annual income and the reward points that a particular credit cards has to offer to them. Once the suitable credit card is chosen, the applicant needs to select the ‘Apply Now’ option that will direct them to a new page. On the new page, the applicant has to fill in the following details:

    • Name
    • City
    • Occupation
    • Date of Birth
    • Qualification
    • Annual Income
    • PAN Number
    • Email id
    • Mobile Number
    • OTP (That will sent to the applicant’s registered mobile number)

    Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card that they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card.

    Applicants can also apply for a credit card by sending an email to SBI directly.

    Apply Through BankBazaar.com

    Applicants can also apply for an SBI credit card through financial websites such as BankBazaar.com. Once the customer visits the BankBazaar website, they will have to choose the ‘Credit Cards’ option that will be on the top of the page. Once they click on that, they will be directed to a list of credit cards available in India. Applicants can filter the list on the basis of the name of the bank and other criteria like minimum annual income requirement. They will need to select ‘SBI’ from the list and then they will have to click on the particular credit card that they want to avail. They can click on the link that says ‘Check Eligibility’ to find out whether or not they are eligible for the card they have chosen. The applicant will have to answer the questions on the screen and only if the fulfill all the criteria, they will be directed to the ‘Instant Apply’ tab. Once they reach the ‘Instant Apply’ tab, they can fill up the form and submit it on the website.

    Apply for SBI Credit card Offline

    Applicants can also apply for SBI credit cards offline. To be able to do that, all they have to do is visit the nearest SBI branch. They will be asked to fill in an application form once they fulfill the set eligibility criteria. They will have to submit the form along with necessary documents like id proof, address proof, and income proof. The bank representative will go through the filled in details and the attached document to decide whether or not the applicant meets the eligibility criteria for the credit card that they have applied for. Once the check is done, the applicant will be able to avail the credit card.

    Apart from this, the applicant can also contact the bank by calling the customer care service at 39 02 02 02 or 1800 180 1290. This service is available 24*7 on all business days of the week.

    Why apply for SBI Credit Cards through BankBazaar

    BankBazaar is a one-stop shop to explore various financial products like home loans, personal loans and credit cards. Selecting a credit card from all the available options in the market is a very tedious job, given the number of credit cards. BankBazaar simplifies this process by giving you the option to compare cards and instantly apply for a credit card. With a simple questionnaire, BankBazaar will curate a list of cards that match your lifestyle requirements. What more – you also get an instant e-approval on application which will simplify your process further.

    SBI Credit Cards Eligibility and Documentation

    SBI Credit Cards Eligibility Criteria

    • The applicant should be an Indian resident and above 18 years of age.
    • The applicant should have a good CIBIL score. (Optional)

    The income criteria varies depending on the card. Also, different cards has special criteria based on the usage. Do enquire with SBI about the eligibility criteria for the selected card before proceeding with the application.

    SBI Credit Cards Documents Required

    The following documents should be submitted while applying for a credit card from SBI.

    • PAN Card
    • One identity proof which can be any of passport, voter ID, license or UID Aadhar Card.

    Value Added Service on SBI Credit Cards

    1. Balance Transfer at Low Interest rates:

      Using this facility, you can transfer the balances from your other high-rate credit cards to your SBI Card and pay the balance at low interest rates as offered by SBI.

    2. Balance Transfer on EMI:

      SBI allows you to convert the outstanding balances in your card to easy instalments.

    3. Flexipay:

      Through this feature, you can convert your costly purchases to EMIs at flexible tenures and low interest rates.

    4. EasyMoney:

      To order a bank draft anytime you wish, call the SBI Card Helpline. The amount will be directly drafted to your SBI Card using which you can pay your bills, fees and taxes without any hassles.

    5. E-Statements:

      SBI Cardholders will get their credit card statement directly to their inbox. This will save any troubles due to postal delays and lost statements. Also, cardholders can view and monitor the E-Statements 24/7.

    6. Encash Facility:

      Cardholders have access to instant cash with “Encash – Money on Call”. What more, this is pre-approved and requires no documentation. The cheque for cash will be delivered within 3 working days.

    7. SBI Credit Card Insurance:

      With the unique and comprehensive Card Protection Plan (CPP) provided by SBI, customers are safeguarded against card loss, theft and any card related fraud.

    SBI Premium Cards

    1. SBI Signature Card
    2. SBI Advantage Platinum Card
    3. SBI Advantage Signature Card
    4. SBI Card
    5. SBI Platinum Card

    SBI Signature Card

    Benefits of SBI Signature Card:

    • Welcome Gifts and voucher
    • 2 Reward points for every Rs.100 spent
    • Bonus Reward Points
    • Signature Concierge and access to premium Lounges

    Features of SBI Signature Card:

    • Worldwide recognition and acceptance
    • Easy Bill Pay for utility bill payments
    • Flexipay to convert huge spends to EMIs
    • Balance transfer at low interest rates

    Fees and Charges of SBI Signature Card:

    • Joining fee (one-time) and annual fee of Rs.4999
    • Interest free credit period of 20 to 50 days
    • Cash advance limit of up to 80% of credit limit

    SBI Advantage Platinum Card

    Benefits of SBI Advantage Platinum Card

    • Earn rewards on dining, departmental stores and international spends
    • Welcome gifts and anniversary gifts worth Rs.3000 each
    • Access to lounges across airports in 300 cities

    Features of SBI Advantage Platinum Card

    • Credit free period of up to 50 days
    • Ready cash withdrawal facility at over 1 million ATMs across the globe
    • E-Statements and SMS alerts for convenience
    • Fuel surcharge waiver of 2.5%

    Fees and Charges of SBI Advantage Platinum Card

    • One-time joining fee of Rs.2999
    • Annual Fee of Rs.2999 per annum
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% of credit limit

    SBI Advantage Signature Card

    Benefits of SBI Advantage Signature Card

    • Gift vouchers and air fare waiver as welcome gifts
    • Options to redeem rewards against different categories
    • Fraud liability cover worth Rs.1,00,000

    Features of SBI Advantage Signature Card

    • Cash access facility at over 18,000 ATMs worldwide
    • Utility Bill payment facility at zero extra charge
    • Option to convert purchases to EMIs
    • Online portal for easy transactions management

    Fees and Charges of SBI Advantage Signature Card

    • One-time joining fee of Rs.4999
    • Annual fee of Rs.4999 per membership year
    • Interest free credit period of 20-50 days
    • Up to 80% of credit limit as cash advance

    SBI Card

    Benefits of SBI Card

    • Wave the contactless card over a secure reader to use the card. Swiping is not required
    • Get a gift voucher worth Rs. 5000
    • Fraud liability cover worth Rs. 1,00,000
    • Access to lounges across airports in 300 cities

    Features of SBI Card

    • No fuel surcharge on purchases ranging from Rs. 500/- to Rs. 4,000/-.
    • Book railway tickets online through IRCTC website.
    • Balance transfer facility is enabled
    • You can convert your high-end purchases to monthly installments.
    • Bill Pay facility enabled at no extra cost.

    Fees and Charges of SBI Card

    • Joining fee to be paid only once – Rs. 4,999
    • Fee charged annually - Rs. 4,999
    • Interest free credit period of 20-50 days
    • Up to 80% of credit limit as cash advance
    • Rewards redemption fee is Rs. 99.
    • Rs. 100 charged as Cash OTC Fees.

    SBI Platinum Card

    Benefits of SBI Platinum Card

    • Lifestyle benefits like reward points and special deals
    • Access to over 200 Golf courses
    • 10 cash points for every Rs.100 spent using the card

    Features of SBI Platinum Card

    • Fuel surcharge waiver of 2.5%
    • Accepted in over 2 million partner establishments worldwide
    • Emergency Card Replacement facility

    Fees and Charges of SBI Platinum Card

    • Joining fee of Rs.2999 to be paid one time
    • Annual fee of Rs.2999 per annum
    • Up to 50 days of interest free credit period
    • Cash advance limit of up to 80% of the prescribed credit limit

    SBI Travel & Shopping Cards

    1. Simply SAVE Advantage SBI Card
    2. SimplySAVE SBI Card
    3. Air India SBI Signature Card
    4. Yatra SBI Card
    5. Plus Advantage Card
    6. IRCTC SBI Platinum Card
    7. Air India SBI Platinum Card
    8. Fbb SBI STYLEUP Card
    9. SimplyClick SBI Credit Card
    10. IRCTC SBI Credit Card
    11. SimplyCLICK Advantage SBI Card

    SimplySAVE Advantage SBI Card

    Benefits of SimplySAVE Advantage SBI Card

    • Up to 10x rewards on dining, grocery and movie spends
    • Annual Fee reversal when Rs.75,000 is billed to the card
    • 1 reward point for every Rs.100 spent
    • 2.5% fuel surcharge waiver

    Features of SimplySAVE Advantage SBI Card

    • Credit free period of up to 50 days
    • Low interest rate of 2.50% per month
    • Add-on cards for family members
    • Other attractive features like EMI option, utility bill payment and balance transfer facility

    Fees and Charges of SimplySAVE Advantage SBI Card

    • One-time joining fee of Rs.499
    • Annual fee of Rs.499 per year
    • Interest free credit period of 20 to 50 days
    • Up to 80% of credit limit as cash advance

    SimplySAVE SBI Card

    Benefits of SimplySAVE SBI Card

    • Customers can earn 10 Reward Points per every Rs.100 spent on Grocery, Dining, Departmental and Movie spends made through their SBI SimplySAVE credit card.
    • On all other spends made through their credit card, cardholders can earn 1 Reward point for every Rs.100.
    • Cardholders can avail a fuel surcharge waiver of 1% across all petrol pumps in the country if they spend between Rs.500 to Rs.3,000 through their SimplySAVE credit card.
    • If customers spend more than Rs.2,000 through their SimplySAVE credit card within the first 60 days, they stand to receive 2,000 Bonus Reward points.
    • If more than Rs.90,000 is charged annually to their SimplySAVE credit card, the annual fee will be reversed for customers from the second year of credit card subscription.

    Features of SimplySAVE SBI Card

    • For every Rs.100 spent using the SimplySAVE credit card, customers can earn 1 Reward Point. Through these points, outstanding balance on the credit card can be paid or these points can be redeemed against a whole list of gifts from the Rewards catalogue.
    • On the first ATM cash withdrawal, cardholders will receive Rs.100 cashback, if done within a period of 30 days from receiving the card.
    • This credit card is accepted across the world and can be used in more 24 million outlets across the world including more than 3,00,000 outlets in India.
    • Cardholders can avail supplementary cards for their loved ones who are above the age of 18.
    • Customers can withdraw cash from more than 1 million ATMs across the world that are affiliated to Visa or MasterCard.
    • Cardholders have the added advantage of being able to pay their utility bills through the Easy Bill Pay facility.
    • Through Flexipay, all transactions can be converted to economical monthly installments. In order to do so, policyholders will have to spend more than Rs.2,500 through their credit card and log in to the SBI credit card website to convert the amount to Flexipay.
    • Cardholders can procure the Easy Money option via which a cheque or draft can be availed against their SimplySAVE credit card.

    Fees and Charges of SimplySAVE SBI Card

    • One-time annual fee of Rs.499
    • Renewal fee of Rs.499 from second year.
    • Add - on fee is Nil
    • Cash advance of up to 80% of credit limit
    • Free credit period is Nil

    Air India SBI Signature Card

    Benefits of Air India SBI Signature Card

    • Welcome gift of 20,000 reward points
    • Complimentary membership to Air India Frequent Flyer program
    • Up to 1,00,000 bonus reward points on annual spend
    • Card anniversary gift of up to 2,000 reward points each year
    • Reward points can be converted to Air Miles.
    • Complimentary International Luxury Lounge Access for over 600 airports

    Features of Air India SBI Signature Card

    • Flexipay option to convert costly spends to EMIs
    • Balance transfer facility is provided at low interest rates
    • Emergency card replacement assistance

    Fees and Charges of Air India SBI Signature Card

    • Annual Fee is up to Rs.4,999
    • No additional add-on fee
    • Cash advance limit of up to 80% the credit limit
    • 20 to 50 days of interest free credit period

    Yatra SBI Card

    Benefits of Yatra SBI Card

    • Get a welcome gift of Rs.8,250 worth Yatra.com vouchers after paying the joining fees.
    • Get up to 6X rewards points for bookings done on Yatra.com, grocery and departmental stores.
    • Also, get up to 6X bonus rewards points on base tariffs and base fares for bookings on Yatra.com.
    • Earn 1 rewards point for every Rs 100 spent at retail outlets across India.
    • Also, get a discount voucher of Rs 500 for bookings done on Yatra.com for an amount of Rs 30,000.

    Features of Yatra SBI Card

    • Add-on cards for family members
    • Easy money draft facility where the draft money will be billed directly to your card
    • Extended credit option to make outstanding payments easily
    • Other benefits include EMI facility, balance transfer and utility bill payments

    Fees and Charges of Yatra SBI Card

    • One-time joining fee of up to Rs.499
    • Annual fee of up to Rs.499
    • Interest free credit period of 20 to 50 days
    • Cash advance limit of up to 80% of credit limit

    Plus Advantage Card

    Benefits of Plus Advantage Card

    • 1 cash point for every Rs.100 spent
    • Get up to 2.5% value back on departmental and grocery spends
    • 10X rewards on international spends
    • Option to convert purchases to EMI

    Features of Plus Advantage Card

    • Credit facility with interest rates as low as 2.5% per month
    • Ready Cash at over 1 million VISA and MasterCard ATMs
    • Education loan customers above 18 are directly eligible for primary card
    • Balance transfer facility

    Fees and Charges of Plus Advantage Card

    • No one-time joining fee is charged for this card
    • Annual fee of Rs.500 is applicable from the second year on if the purchases made using the card is less than Rs.35,000 the previous year
    • Up to 80% of credit limit as cash advance

    IRCTC SBI Platinum Card

    Benefits of IRCTC SBI Platinum Credit Card

    • This international co-branded card will fetch you 10% value back on AC ticket fares
    • 3X Reward Points for every Rs.125 spent at departmental and grocery stores
    • 1.8% transaction charges waiver for tickets booked using IRCTC Online portal
    • Complimentary personal rail accident insurance cover

    Features of IRCTC SBI Platinum Card

    • 0% surcharge on fuel purchases for amounts between Rs.500 to Rs.3000
    • Utility bill payments facility to pay the bills online
    • Access to with draw cash from over 1.2 million ATMs

    Fees and Charges of IRCTC SBI Platinum Card

    • One-time joining fee of Rs.500
    • Annual fee of Rs.300 per annum
    • Up to 50 days of interest free credit period
    • Cash advance limit of up to 80% of the credit limit

    Air India SBI Platinum Card

    Benefits of Air India SBI Platinum Card

    • 5000 reward points as a welcome benefit
    • 2000 reward points at every card anniversary date
    • Up to 20,000 reward points on annual expenditures
    • Complimentary Priority Pass to over 600 International Airport Luxury Lounges
    • Free complimentary membership to Air India Frequent Flyer Lounge

    Features of Air India SBI Platinum Card

    • Access the credit card account online to track spends and rewards from the comfort of your home
    • Option to make utility bill payments at zero extra cost
    • Option to convert costly purchases to easy monthly instalments
    • Global acceptance and recognition

    Fees and Charges of Air India SBI Platinum Card

    • Annual fee of up to Rs.1499
    • Interest free credit period of 20 to 50 days
    • Up to 80% of credit limit as cash advance

    Fbb SBI STYLEUP Card

    Benefits of Fbb SBI STYLEUP Card

    • 10% flat discount round the year on Fbb merchandise and Big Bazaar spends
    • Earn 10X reward points on BigBazaar and Fbb spends

    Features of Fbb SBI STYLEUP Card

    • Add-on cards for all family members
    • Utility Bill Payment facility at no extra cost
    • Flexipay option to convert purchases to EMI

    Fees and Charges of Fbb SBI STYLEUP Card

    • One-time joining fee of Rs.499 plus GST
    • Renewal fee of Rs.499 plus GST
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% of credit limit

    SimplyClick SBI Credit Card

    Benefits of Simply Click SBI Credit Card

    • Get a welcome gift voucher from Amazon worth Rs.500
    • By shopping at partner outlets like Cleartrip, Amazon, Lenskart, Foodpanda, etc., earn 10 times more reward points
    • Get e-vouchers worth Rs. 2,000 for annual spends online worth Rs.1 Lakh and Rs.2 Lakhs
    • Get 2.5% fuel surcharge waiver

    Features of SimplyClick SBI Credit Card

    • Share your credit limit with your loved ones with add-on cards.
    • Utility Bill Payment Feature is enabled.
    • Flexipay installment plan is also enabled on this card.
    • With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.

    Fees and Charges of SimplyClick SBI Credit Card

    • Joining fee is Rs. 499
    • Annual fee – 499
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% of credit limit
    • Statement retrieval charges – Rs. 100 for each statement

    IRCTC SBI Credit Card

    Benefits of IRCTC SBI Credit Card

    • Get 350 reward points upon activation of your card
    • Purchase railway tickets online through IRCTC and get 10% cashback
    • For every Rs. 125 spent on retail purchases get one reward point.
    • Reward points can be redeemed against a railway ticket purchase made through the IRCTC website.
    • Get 1.8% waiver on transaction charges levied on online railway ticket booking.

    Features of IRCTC SBI Credit Card

    • Share your credit limit with your loved ones with add-on cards.
    • Utility Bill Payment Feature is enabled.
    • Flexipay installment plan is also enabled on this card.
    • With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.

    Fees and Charges of IRCTC SBI Credit Card

    • One-time payment to be made as joining fees is Rs. 500
    • Annual Fee from the second year onwards is Rs. 300.
    • Avail an add-on card free of cost.
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% of credit limit
    • Statement retrieval charges – Rs. 100 for each statement

    SimplyCLICK Advantage SBI Card

    Benefits of SimplyCLICK Advantage SBI Card

    • Get a welcome gift voucher from Amazon worth Rs.500
    • By shopping at partner outlets like Cleartrip, Amazon, Lenskart, Foodpanda, etc., earn 10 times more reward points
    • Get e-vouchers worth Rs. 2,000 for annual spends online worth Rs.1 Lakh and Rs.2 Lakhs

    Features of SimplyCLICK Advantage SBI Card

    • Share your credit limit with your loved ones with add-on cards.
    • Utility Bill Payment Feature is enabled.
    • Flexipay installment plan is also enabled on this card.
    • With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.

    Fees and Charges of SimplyCLICK Advantage SBI Card

    • Joining fee is Rs. 499
    • Annual fee – Nil
    • Add-on Fee- Nil
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% of credit limit
    • Statement retrieval charges – Rs. 100 for each statement

    SBI Classic Cards

    1. SBI Gold Credit Card
    2. SBI Advantage Gold Card
    3. SBI Advantage Plus Card

    SBI Gold Credit Card

    Benefits of SBI Gold Credit Card

    • Worldwide acceptance and recognition at over 24 million outlets
    • Credit facility with extended credit option for flexibility of payments
    • Cardholders can withdraw cash from over 1 million ATMs across the globe

    Features SBI Gold Credit Card

    • SBI Card customer helpline and 24 hour helpline
    • Order a bank draft anytime through the Easy Money Facility
    • Utility Bill Payments and EMI options for greater payment convenience

    Fees and Charges SBI Gold Credit Card

    • One-time joining fee of Rs.299
    • Annual Fee of Rs.299
    • Interest free credit period of up to 50 days
    • Cash advance of up to 80% the credit limit

    SBI Advantage Gold Card

    Benefits of SBI Advantage Gold Card

    • Recognized at over 3,25,000 outlets in India and 24 million merchants across the globe
    • Flexibility to withdraw cash from over 1 million VISA and MasterCard ATMs across the globe
    • Book your railway tickets online at IRCTC and get it delivered at the doorstep

    Features of SBI Advantage Gold Card

    • Credit facility with interest rates as low as 2.25% per month
    • This card can be availed on the basis of a fixed deposit with SBI
    • Other features include utility bill payments, balance transfer and EMI options for costly purchases

    Fees and Charges of SBI Advantage Gold Card

    • One-time joining fee of Rs.299
    • Annual fee of Rs.299
    • Up to 50 days of interest free credit period
    • Cash advance of up to 80% of credit limit

    SBI Advantage Plus Card

    Benefits of SBI Advantage Plus Card

    • Post issuance of the card, SBI will provide an encash facility to open Fixed Deposit in your name
    • Credit limit keeps opening as you encash EMIs every month
    • Credit limit of up to 85% the fixed deposit amount
    • Low rate of interest at just 2.25% per month

    Features of SBI Advantage Plus Card

    • Add-on cards for family members
    • Pay your electricity, insurance and telephone bills at no extra charges using utility bill payment facility
    • Balance transfer at low interest rates
    • Flexipay option to avail EMI facility for costly spends

    Fees and Charges of SBI Advantage Plus Card

    • One-time joining fee of Rs.500
    • Annual fee of Rs.500
    • Up to 50 days of interest free credit period
    • Up to 80% of credit limit as cash advance

    SBI Exclusive Cards

    1. Tata Cards
    2. Bank of Maharashtra SBI Platinum Card
    3. Oriental Bank of Commerce SBI Platinum Card
    4. Karur Vysya Bank SBI Platinum Card
    5. Karur Vysya Bank SBI Card
    6. BMB Platinum Credit Card
    7. Bank of Maharashtra SBI Card
    8. Oriental Bank of Commerce SBI Card
    9. SBI Maruti Card
    10. SBI Dena Bank Secured Card
    11. BMB Gold & More Credit Card
    12. SBI UBI Card
    13. Federal Bank SBI Platinum Credit Card
    14. Federal Bank SBI Credit Card

    Tata Cards

    Benefits of Tata Cards

    • Comes with variants like
    • Tata Platinum Card
    • Tata Croma Platinum Card
    • Tata Titanium Card
    • Tata Croma Titanium Card

    Features of Tata Cards

    • Enjoy worldwide acceptance in over 24 million outlets across the globe
    • Tata cards offers great flexibility of payment with extended credit option
    • Other benefits include 0% fuel surcharge and cash on the go at any Visa/MasterCard ATMs around the world

    Fees and Charges of Tata Cards

    • Annual Fees for Tata Titanium Card and Tata Croma Titanium Card is Rs.499
    • For Tata Platinum Card and Tata Croma Platinum Card, the annual fees is Rs.2999

    Bank of Maharashtra SBI Platinum Card

    Benefits of Bank of Maharashtra SBI Platinum Card

    • Cardholders enjoy 5X cash points on dining, grocery and international spends.
    • 10 Cash Points for every Rs.100 billed to the card
    • Access to 200 golf courses around the globe
    • True lounge access

    Features of Bank of Maharashtra SBI Platinum Card

    • Cardholders can instantly withdraw cash from over 1 million ATMs across the world
    • Conveniently track the card transactions through e-statements, SMS alerts and online portal
    • Facility to pay your utility bills at no extra cost

    Fees and Charges of Bank of Maharashtra SBI Platinum Card

    • The joining fee for this card is Rs.2999
    • The annual fee for this card is Rs.2999
    • Interest free credit period of 20 to 50 days
    • Up to 80% of the credit limit as cash advance

    Oriental Bank of Commerce SBI Platinum Card

    Benefits of Oriental Bank of Commerce SBI Platinum Card

    • Gift vouchers worth Rs.3000 as welcome gift
    • Complimentary access to over 600 airport lounges in India and abroad
    • 10 cash points for every Rs.100 spent
    • 5X cash points on departmental stores, dining and international spends

    Features of Oriental Bank of Commerce SBI Platinum Card

    • Convert your purchases to easy instalments with Flexi-pay facility
    • Payment flexibility with extended credit option
    • Cash access at over 18,000 ATMs across the globe
    • No fuel surcharge when the card is used to purchase fuel at any gas pump across India

    Fees and Charges of Oriental Bank of Commerce SBI Platinum Card

    • One-time joining fee of Rs.2999
    • Annual Fee of Rs.2999 for every membership year
    • Interest free credit period of 20 to 50 days
    • Cash advance limit of up to 80% of credit limit

    Karur Vysya Bank SBI Platinum Card

    Benefits of Karur Vysya Bank SBI Platinum Card

    • This card offers 5X cash points on dining, departmental and international spends
    • Earn 10 cash points for every Rs.100 spent
    • Access to over 200 golf courses across the globe
    • Enjoy true lounge access via the priority pass program and VISA airport lounge access program

    Features of Karur Vysya Bank SBI Platinum Card

    • Instant cash at over 18,000 ATMs in India and over 10,000 ATMs across the globe
    • No fuel surcharge when the card is used to make fuel spends
    • Pay your utility bills at zero extra charge. Also, earn reward points on the payments

    Fees and Charges of Karur Vysya Bank SBI Platinum Card

    • Joining fee of Rs.2999 9one-time)
    • Annual membership fee of Rs.2999
    • Interest free credit period of up to 50 days
    • Up to 80% of the credit limit as cash advance

    Karur Vysya Bank SBI Card

    Benefits of Karur Vysya Bank SBI Card

    • Earn 1 cash point for every Rs.100 spent
    • Get up to 2.5% value back on departmental and grocery spends
    • Freedom from 2.5% fuel surcharge
    • Welcome offer of Rs.100 cashback at ATM withdrawal and 2000 bonus cash points on first purchase

    Features of Karur Vysya Bank SBI Card

    • Enjoy worldwide acceptance at over 24 million outlets across the world
    • Add-on cards for family members
    • 24/7 VISA/MasterCard helpline and SBI card customer care helpline to give you a complete peace of mind
    • Instant e-Statements and card alerts

    Fees and Charges of Karur Vysya Bank SBI Card

    • One-time joining fee of Rs.499
    • Annual fee is Rs.499 for a membership year
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% the credit limit

    BMB Platinum Credit Card

    Benefits of BMB Platinum Credit Card

    • 5X reward points on dining, departmental and international spends
    • Access to over 200 golf courses across the globe
    • Get handsomely rewarded on every purchase with 10 cash points offered for every Rs.100 spent
    • Complimentary access to over 600 luxury airport lounges

    Features of BMB Platinum Credit Card

    • Instant cash access at over 1 million ATMs worldwide
    • Complete freedom from fuel surcharge at all gas pumps across India
    • Flexipay option to convert costly spends into easy EMIs
    • Other features include credit facility, EMI option and emergency card replacement

    Fees and Charges of BMB Platinum Credit Card

    • One-time joining fee of up to Rs.2999
    • Annual fee of up to Rs.2999
    • 20 to 50 days of interest free credit period
    • Up to 80% of credit limit as cash advance

    Bank of Maharashtra SBI Card

    Benefits of Bank of Maharashtra SBI Card

    • Earn 1 cash point for every Rs.100 spent using the card
    • Earn up to 2.5% value back on departmental and grocery spends with accelerated cash points
    • Get 2000 bonus points on first purchase made using the card

    Features of Bank of Maharashtra SBI Card

    • Cardholders enjoy worldwide card acceptance in over 24 million outlets across the globe.
    • Utility bill payments at no extra cost
    • Add-on cards for family members above 18 years

    Fees and Charges of Bank of Maharashtra SBI Card

    • Joining Fee of Rs.499 which is a one-time charge
    • Annual fee of Rs.499 for every membership year
    • Interest free credit period of up to 50 days
    • Cash advance of up to 80% the credit limit

    Oriental Bank of Commerce SBI Card

    Benefits of Oriental Bank of Commerce SBI Card

    • Earn 1 cash point for every Rs.100 spent using this co-branded credit card.
    • 2.5% value back on grocery spends. Also, earn accelerated cash points on departmental purchases
    • Rs.100 cash back on first ATM withdrawal

    Features of Oriental Bank of Commerce SBI Card

    • This international co-branded card is widely recognized at over 24 million outlets across the world.
    • 0% fuel surcharge for fuel purchases between Rs.500 and Rs.3000
    • Extended credit facility to plan your outstanding payments.

    Fees and Charges of Oriental Bank of Commerce SBI Card

    • One-time joining fee of Rs.499
    • Rs.499 as annual fee
    • 20 to 50 days of interest free credit period
    • Up to 80% of credit limit as cash advance

    SBI Maruti Card

    Benefits of SBI Maruti Card

    • Joining Bonus of 200 Auto Points
    • 4 Auto Points for every Rs.100 spent at Maruti and 1 Auto Point for every Rs.125 worth of retail spends
    • 3000 Auto Points when cardholders exchange their Maruti card
    • Fuel surcharge waiver of 2.5%

    Features of SBI Maruti Card

    • International acceptance and worldwide recognition
    • Exclusive promotions and discounts throughout the year
    • Auto Points can be redeemed at Maruti network for car maintenance
    • Other features include add-on cards, EMI facility and utility bill payments

    Fees and Charges of SBI Maruti Card

    • First year joining fee of Rs.500 which will be reversed if Rs.2000 is billed to the card within 60 days of issuance
    • From the second year, the annual fee will be Rs.500 which will be reversed if the annual spend for the preceding year exceeds Rs.50,000

    SBI Dena Bank Secured Card

    Benefits of SBI Dena Bank Secured Card

    • Rs.100 cashback on first ATM cash withdrawal within 30 days of card issuance
    • Up to 50 days of credit free period and a very low interest of 1.99% per month
    • This card can be easily availed on the basis of fixed deposit with Dena Bank for as low as Rs.30,000.
    • Easy cash withdrawal from over 1.2 million ATMs across the globe

    Features of SBI Dena Bank Secured Card

    • Flexipay option to easily convert costly spends to affordable EMIs
    • Book your tickets inline at IRCTC using the card and get it delivered at your doorstep
    • E-Statements, SBI Card Alerts and online portal to easily manage your account

    Fees and Charges of SBI Dena Bank Secured Card

    • No joining fee is charged for this card.
    • Annual fee for a membership year is up to Rs.250
    • Add-on fee of up to Rs.100
    • Interest free credit period of up to 50 days which is applicable only on retail purchases

    BMB Gold & More Credit Card

    Benefits of BMB Gold & More Credit Card

    • 1 cash point for every Rs.100 billed to the card
    • With accelerated cash points, get up to 2.5% value back
    • Fuel surcharge waiver of 2.5% across all petrol pumps
    • 2000 bonus reward points on first purchase

    Features of BMB Gold & More Credit Card

    • Add-on cards for family members aged 18 and above
    • Withdraw cash from over 1 million VISA and MasterCard ATMs
    • Facility to transfer outstanding balance amount from other cards to this card at low interest rates

    Fees and Charges of BMB Gold & More Credit Card

    • One-time joining fee of up to Rs.499
    • Annual fee of up to Rs.499
    • 20 to 50 days of interest free credit period
    • Cash advance limit of up to 80% the credit limit

    SBI UBI Card

    Benefits of SBI UBI Card

    • Gold cardholders earn one reward point for every Rs.75 spent and silver cardholders earn one reward point for every Rs.100 spent using the card
    • Redeem your reward points against a host of options
    • Get Rs.100 off on first ATM withdrawal within 30 days of card issuance

    Features of SBI UBI Card

    • Worldwide acceptance at over 24 million merchant partner establishments across the globe
    • Credit card balance transfers at very low interest rates
    • Facility to convert costly spends in to affordable EMIs

    Fees and Charges of SBI UBI Card

    • One-time joining fee of up to Rs.5000
    • Annual fee of up to Rs.1500
    • Up to 50 days of interest free credit period
    • Cash advance of up to 80% the credit limit

    Federal Bank SBI Platinum Credit Card

    Benefits of Federal Bank SBI Platinum Credit Card

    • Get 5 times more reward points on all purchase of products from departmental stores, international spends and on dining
    • Gain access to more than 200 Golf courses around the globe
    • Free membership is offered for Federal Bank SBI Platinum Credit Cardholders, to the Elite Priority Pass program

    Features of Federal Bank SBI Platinum Credit Card

    • Worldwide acceptance at over 24 million merchant partner establishments across the globe
    • Credit card balance transfers at very low interest rates
    • Facility to convert costly spends in to affordable EMIs
    • No transaction fees for fuel purchases worth Rs.500 up to Rs. 4000

    Fees and Charges of Federal Bank SBI Platinum Credit Card

    • One-time joining fee to be paid by the cardholder is Rs. 2, 999
    • Annual fee is Rs. 2, 999
    • No fee is levied for availing an add-on card
    • 20 to 50 days of interest free credit period
    • Cash advance of up to 80% the credit limit

    Federal Bank SBI Credit Card

    Benefits of Federal Bank SBI Credit Card

    • For every Rs. 100 spent, earn 1 reward point
    • Get a value back of 2.5% of all spends made in Grocery stores and departmental outlets
    • Enjoy 2.5% fuel surcharge waiver across all fuel stations.
    • Get Rs.100 cashback on your first ATM cash withdrawal as a welcome gift

    Features of Federal Bank SBI Credit Card

    • Worldwide acceptance at over 24 million merchant partner establishments across the globe
    • Credit card balance transfers at very low interest rates
    • Facility to convert costly spends in to affordable EMIs
    • Fuel surcharge waiver applicable on fuel purchases worth Rs.500 up to Rs. 4000

    Fees and Charges of Federal Bank SBI Credit Card

    • One-time joining fee to be paid by the cardholder is Rs. 499
    • Annual fee charged on the credit card is Rs. 499
    • No fee is levied for availing an add-on card
    • 20 to 50 days of interest free credit period
    • Cash advance of up to 80% the credit limit

    SBI Corporate Cards

    1. SBI Platinum Corporate Card
    2. SBI Signature Corporate Card
    3. SBI Corporate Utility Card

    SBI Platinum Corporate Card

    Benefits of SBI Platinum Corporate Card

    • Features to exercise control over expenses made by expenses made by employees.
    • Monitor spending patterns better and increase control over spends
    • Earn reward points, complimentary travel insurance and lounge access.

    Features of SBI Platinum Corporate Card

    • Control your company spends with VISA Intellilink Spend Management.
    • Spend category control (SCC) to block certain merchant category codes
    • Smarter Expense Management system to offer greater control over costs and to negotiate better with airlines and hotel chains

    Fees and Charges of SBI Platinum Corporate Card

    • No joining fee and annual fee
    • Cash advance limit is variable.
    • Up to 50 days of interest free credit period.

    SBI Signature Corporate Card

    Benefits of SBI Signature Corporate Card

    • Helps you keep a close watch on employees spends, spending patterns and also forecast future spends.
    • Smarter expense management with VISA Intellilink system
    • Flexible interface for easy reporting and analysis
    • Spend category control to block certain merchant category

    Features of SBI Signature Corporate Card

    • Global acceptance at over 24 million outlets across the globe
    • Priority servicing through relationship managers who will assist the needs of your organization 24/7.
    • Faster data processing to track your organization’s spending on a day-to-day basis

    Fees and Charges of SBI Signature Corporate Card

    • No joining fee is charged for this card.
    • Annual fee of up to Rs.499 per annum
    • Cash advance limit is variable
    • Interest free credit period of up to 50 days

    SBI Corporate Utility Card

    Benefits of SBI Corporate Utility Card

    • Smart expense management system to give you a greater control over company’s costs.
    • Enhanced security against counterfeiting and skimming through EMV chips
    • Other benefits include spend analysis, faster data processing and spend category control.

    Features of SBI Corporate Utility Card

    • Flexible reporting feature with a user friendly dashboard.
    • Dedicated relationship managers to support your needs 24/7
    • Global acceptance and recognition
    • Option to make a single consolidated payment for all employees

    Fees and Charges of SBI Corporate Utility Card

    • No joining fee and annual fee is charged for this card.
    • 15 to 32 days of interest free credit period

    SBI Credit Card Tips

    Top 4 Cash Back Credit Cards

    Love shopping? We’ll tell you how you can make retail therapy rewarding. All you need to do is get a Credit Card. At BankBazaar, we make getting a Credit Card hassle-free. You can select your perfect Credit Card in minutes. It’s that simple. What’s more, you’ll be spoilt for choice with our offers. Let’s tell you about four best Cashback Credit Cards.

    SBI Simply Save Card

    With SBI’s Simply Save Card, you get 10 points for every Rs. 100 you spend on dining, movies, doing groceries and in departmental stores. You also get 2,000 reward points as a joining bonus.

    HDFC Bank MoneyBack Card

    If you love online shopping, this is the Credit Card for you. Why? You get 6 points for every Rs. 150 spent online. Wait, there’s more. This card has no fee for the first year.

    HSBC Visa Platinum Card

    The HSBC Visa Platinum Card gives you 3 times the rewards when you spend in restaurants and the telecom category. You also get 5 times the rewards on spends over Rs. 4 lakhs annually.

    SBI SimplyClick Card

    SBI’s SimplyClick Card gives the shopaholic in you 10 points for every Rs. 100 spent online with our partners, Amazon, BookMyShow, Cleartrip, Foodpanda, FabFurnish, Lenskart and OLA. Need another reason to get this card? You get a Welcome voucher of Rs. 500 from Amazon on joining.

    Don’t wait any longer! Choose a Credit Card and prepare to get pampered.

    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.

    1. What are the various types of credit cards offered by SBI?
    2. 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.

    3. How do I apply for a SBI credit card?
    4. 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.

    5. What documents would be required during the application process?
    6. 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.

    7. 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.

    8. How do I report a lost or stolen credit card?
    9. 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.

    10. What are some of the features of IRCTC SBI Credit Card?
    11. 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

    12. What is an add-on card?
    13. 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.

    14. What do I do with the reward points that I get on each transaction with my credit card?
    15. 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.

    16. What is an APR?
    17. 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.

    18. What is the annual fees for SBI Platinum credit card?
    19. 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.

    20. How can I pay my SBI credit card bills?
    21. 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.

    22. For a frequent air traveller like me, what would be the most suitable SBI credit card?
    23. 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.

    News About SBI Credit Cards

    • SBI customers to get pre-approved cards from SBI Card

      The second largest credit card company after HDFC bank, SBI Card, has decided to offer pre-approved cards to customers of its parent bank, State Bank of India. It has got into a tripartite agreement with SBI and TransUnion Cibil, India's first credit bureau, to this end. The agreement will let the credit bureau to check the credentials of the customers of SBI and SBI Card to cross-check the data.

      SBI Card is currently the second largest issuer of credit cards in India after HDFC Bank. It is planning to tap SBI's customers to the fullest with a motive to double its base to 1 crore in the upcoming 2-3 years.

      Chief executive officer of SBI, Vijay Jasuja said that there exists a good synergy between SBI Cards and SBI. They are going t make use of the same and tap SBI customers to fulfill their aim. SBI has more than 50 crore customers and if they get at least 1% of it, they will be parallel to their target to double their card base. SBI Card is a joint business venture between the SBI and GE Capital which is set to leave as part of the American giant's global business makeover.

      5th October 2017

    • SBI wants to double the number of credit card customers in another 2-3 years

      The joint venture between State Bank of India and GE Capital, SBI card, is planning to double its credit card acquisition and improve its share in the market in the upcoming two to three years. Vijay Jasuja, Chief Executive Officer, SBI Card, said that the company has figured out a plan to double the number of its credit card customers on an incremental basis month after month, by tapping the bank's own customer base.

      With a customer base for cards that is close to 50 lakh, SBI card is at present the second-largest issuer of credit cards, right after HDFC bank. In terms of spend too, the company is at second place with an average spend of Rs.5,500 crore a month. SBI Card's sales rose by 26% year after year to 45.6 lakh as on March 31. The company is planning to grow its sale of cards by 25-30 per cent this fiscal year. SBI's own customers at present constitute almost 38% of its total cards in circulation, while 47% comes from open market and the rest from co-branded offerings across the country.

      5th October 2017

    • Rs. 5,000 minimum balance re-examined by SBI

      The State Bank of India (SBI) has decided to reexamine its Rs. 5,000 minimum balance requirement aftermath criticism for customers with a lesser balance. The bank was criticised after accounts opened for students and underprivileged were imposed to penalties for having a balance lower than the quantified.

      Of the 40 crore savings accounts opened by SBI, as many as 13 crore accounts were covered under the PM's Jan Dhan Yojana. The accounts were basic savings bank deposit accounts (BSDA) that every bank is likely to offer to the underprivileged.

      As many as six crore savings bank accounts were found to be below the minimum balance requirement during the last quarter. SBI MD Rajnish Kumar said it was difficult to recognise the accounts associated to the underprivileged. Nonetheless, he dismissed any compromises on the penalties for failure to maintain minimum balances.

      26th September 2017

    • IRCTC: No restriction imposed on credit/debit card usage on site

      Reacting to reports of disagreement between the Indian Railway Catering and Tourism Corporation and banks over fees resulting in the former not allowing many lenders from using its payment gateway for debit cards, the Railways said that IRCTC has given customers seven payment gateways for the acceptance of domestic credit/debit cards and has not imposed any restrictions.

      Previously, bankers had informed that IRCTC had stopped from operating on the site as they were unwilling to share a portion of the convenience fees earned via customer transactions.

      Almost

      Almost 66% of all transactions were below Rs.1,000 the IRCTC asked banks to follow RBI guidelines. IRCTC also said that in case banks were willing to provide zero transaction charges to customers, direct debit card integration could be extended on the site.

      26th September 2017

    • Contactless payments to be debuted by SBI Card

      Customers who use SBI card can soon make all their payments by just tapping their smartphone on card swipe machines. SBI Card is going to update its mobile application so that customers can start to make contactless payments at all PoS or point of sales terminals utilizing a technology which is known as Host Card Emulation. This technology enables the dematerialisation of the credit card.

      Cardholders of SBI use smartphones as an alternative for cards on platforms such as Samsung Pay and next month this bank will launch an app that will enable the virtualisation of the credit card in a smartphone by using near-field communication. SBI Cards is looking to increase its base by twice the amount from 50 lakhs in two years. This company is also the second largest issuer in the country and had recently entered into an agreement for partner GE to exit venture.

      Currently, 15% to 20% of all credit cards come from co-branded partnerships such as Tata, Big Bazaar and so on. This company has also identified top 100 to 200 institutions in the country wherein students in their final year who have not been employed yet will be eligible for a credit card. Over the past year, the card spend per month has increased from an average of Rs.3,500 crore to over Rs.5,500 crore per month.

      13th September 2017

    • SBI turns to their own user base to sell credit cards

      SBI, the bank that witnessed a phenomenal growth in their card business after demonetization is now focusing at turning to its own customer base to sell credit cards. Currently, 35% of the share for SBI cards is held by in-house account holder. SBI cards is the subsidiary through which SBI sells cards.

      Since demonetization, the number of credit card transactions have increased by more than four times from 41 lakh transactions in November 2016 to 1.7 lakh transactions in July 17, according to a data released by the RBI. Spending on cards have also increased by 60% from Rs.3,574 crore to Rs.5,727 crore. SBI's market share in spending done on cards rose up from 13.4% in November 2016 to 16.7% in July 2017. With a card base of almost 49 lakh, SBI cards is the second largest issuer of credit cards ranking after HDFC bank. It holds the second position on the grounds of the number of transactions and value of expenditure. But unlike other competitors, the card sales to SBI's own customers account for 35% of its total sale of cards. The balance is derived from the open market sales accounting for 45% of its card base and co-branded products, accounting for the difference.

      8th September 2017

    • Carlyle and SBI to acquire GE Capital’s stake in SBI card

      The Carlyle Group, State Bank of India and GE have announced that definitive agreements have been signed wherein Carlyle and SBI will acquire the stake of GE capital in SBI Card which the second largest credit card franchise in the country. Two joint venture companies help operate SBI Card - GE Capital Business Process Management Services and SBI Cards & Payment Services. This venture helps to process credit card transactions and issue cards in the Indian market.

      After this transaction, Carlyle and SBI will own 26% and 74% respectively in each of the entities. This transaction is expected to be completed by the fourth quarter of 2017 and is subject to certain regulatory approvals.

      28th July 2017

    • West Bengal Finance Minister requests SBI to increase credit limit in social schemes

      Amit Mitra, the state finance minister in West Bengal urged the chairperson of SBI to raise the credit limit of various social schemes. Mitra mentioned that the national credit ratio is close to 73.73%, while the figures in Bengal stood at 64%. The current credit limit imposed by SBI is 50.58%.

      At the 14th Banking Conclave, Mitra stated that the state has attributed great focus on the Kisan Credit Card for the development of the farmer community. But SBI has only disbursed few Kisan Credit Cards till date.

      Mitra thereby requested the SBI chairperson to improve the disbursal of Kisan Credit Cards, so that maximum number of beneficiaries can be brought under it.

      13th July 2017

    • SBI Card hopes to top market share in 3 years

      The country’s second largest credit card issuer - SBI Card – is vying to dethrone the topper HDFC Bank in the card-space within the coming 2-3 years by aggressively focusing on the rich young customer segment.

      SBI CARD is a joint venture between State Bank of India and the US-based GE Capital - which recently made public its plans to exit the business. Following this exit, the SBI intends to push up its stake to 74%. Meanwhile,GE is on the lookout for buyers to sell off its balance of 26%.

      The Managing Director and CEO of SBI Card, Mr Vijay Jasuja explained that  in recent times, they had observed 50 percent of their premium customers to be in the age group between 25 and 35. These were urban young affluent customers with different lifestyles, and are more and increasingly aspirational spending more on travel, vacations, leisure, entertainment and hang-outs. They constitute over 50 percent to the premium segment.

      As of April end, the HDFC Bank has 87 lakh credit cards - the single-largest number in the industry, followed by the SBI at 46.8 lakh. The ICICI Bank comes third at 42.8 lakh cards.

      Mr. Jasuja further stated that with its 15 percent market share, the SBI Card had risen to the second spot, overtaking the ICICI Bank in the number of cards in circulation, while in the category of average spending, the SBI card had jumped up to the second spot from the fifth spot a year back.

      20th June 2017

    • State Bank of India aims to enhance credit lines for peasants

      In a small village in the northern state of Haryana, called Asawta, more than 100 farmers showed up to hear what a few SBI officials had to say about different agricultural credit schemes.

      The meeting was arranged by SBI's agricultural development branch in the Palwal district of Haryana that is situated around 65 kms south of New Delhi. This district is a part of the SBI's initiative to get in touch with the agricultural community before the rice-sowing season that starts from July to offer the farmers with fresh loans and renew the old ones. Such meetings are being organized by around 15,500 SBI branches all across the country to lend the farmers with some financial support. Among the schemes listed is a kisan credit card plan that can be utilized to meet cultivation-related expenses. Also, a loan facility that can be availed using gold ornaments with a low interest rate of 4% is also being made available to the farmers.

      These meetings that are being arranged across the country by SBI coincided with the protests being held by the farmers in some parts of the country asking to forgive debts and higher price of their produce.

      15th June 2017

    SBI Credit Cards Reviews

    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      State bank of India credit card service was very good,the credit limit they offered me was 50 but I expected 80k from State bank of India credit card department still I am comfortable with the credit limit they offered ,the documents part was very simple it was a good experience with State bank of India credit card department.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with SBI . The credit limit was 50,000 which was satisfactory and I hold simply save International card. He credit card process was really good and I have no idea about the benefits here.My overall experience was excellent .
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have my credit card with SBI . The credit limit was 50,000 which was satisfactory and I hold simply save International card. The credit card process was really good and I have no idea about the benefits here. In all my overall experience was excellent .
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Better"
      0.5 4.0/5 "Great!"
      I am having the State Bank of India credit card and am using it from the last six months of time. I would like to say that the online portal is good one for me and am happy with them till now. Everything is fine one for me with the SBI credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      State bank of India credit card service was good,the customer support was fine. The interest rate and the charges offered by State bank of India credit card department was good compared to others in the market,it was a good experience with State bank of India credit card service.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The Customer support is good with the state bank of India and they gave good response in regards to my credit card application. State bank took around 20 days of time to disburse my credit card . I am satisfied with the credit limit, it would be great if they can increase the credit limit.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "convenient card"
      0.5 5.0/5 "Blown Away!"
      It was a good experience on credit card with SBI. The credit limit was 50K which was not happy. It would be great if they can increase my credit limit. I got a SBI Simply Save credit card. They charge annual fee of 499 rupees If I spend more than 90K then it will be waived off.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with State Bank of India.The limit on the card us 48,000 the annual fees is 5000 to maintain the card.I do get offers for shopping like Amazon.I hold a simply save card.The phone banking and Net banking service are good.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good to Hold"
      0.5 5.0/5 "Blown Away!"
      First time I have availed SBI credit card, I am getting some rewards points for the spends which I do normally with the card. The credit limit of the card is also good but SBI have committed some joining perks of Amazon voucher. I didn't receive that.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Average service"
      0.5 3.0/5 "Satisfactory"
      State bank of India credit card service was good ,they offered me a credit limit of 42k which was comfortable for me. The documents have been collected from my door step they asked for my adhar card ,voter id ,payslip ,photocopy to process it was a average service from State bank of india credit card department.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I am satisfied with the credit limit , because I have upgraded the SBI platinum credit card and now I have the Elite credit card . The customer support gave me good response in regards to my credit card application. I need to pay the annual fee of Rs,4500.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Satisfactory"
      0.5 4.0/5 "Great!"
      It was a easy process to get the credit card from State Bank of India. The customer services are good and there are no hassles in the documentation process. The card is free for the first year and after which I would be charged 499. The credit limit and the offers are good. Satisfactory
      Was this review helpful? 0
      , kolkata
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 5.0/5 "Blown Away!"
      State Bank of India credit card is overall good one . I would like to say that the credit limit value is around 50000 Rupees, also am really happy with them. I would like to say that the fees and processing charges are really huge.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The State bank of India executives were prompt in their response. I have got the SBI simply click credit card within 20 to 25days of time. I am satisfied with the credit limit. The annual fee is Rs,499 which is nominal with the SBI simply click card when compared with others.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was a helpful process from sbi credit card department ,they offered me a credit limit of 20k which was comfortable for me compared to other credit service providers. The documents have been collected from my door step ,it was a very good experience with sbi credit card department.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Looking for Better Offer"
      0.5 3.0/5 "Satisfactory"
      My friends are holding SBI credit card, hence I have availed SBI prime card, there will be annual fee of Rs. 3500 but still didn't any gift voucher as they committed. Credit limit is also low, they gave only Rs.50,000 as credit limit. But I thought for the prime card limit would be Rs. 1 lakh.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI . The credit limit was 44,000 which was not satisfactory and I hold prime International card . The customer service and responses was up to the mark. My overall experience was good. My overall experience was good .
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      Annual charges are applicable with the State Bank of India credit card after an year of time. I would like to say that the customer service is good one with the State Bank of India credit card. I am happy with the SBI credit card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I had applied for a credit card with State Bank of India through online channel. The customer service and response was very good. I hold a SBI Simply Save credit card. They offered a credit limit of 10K which was not satisfactory, It would be great if they can increase my credit limit. They charge annual fee 499 rupees for a year.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with State Bank of India.The limit is 62,000 sufficient to transact.Its an annual fees credit card however there is a spend based criteria is applicable for this card.My concern is i don't have a lounge access facility in this card as its not mentioned in the kit.
      Was this review helpful? 0
      , chennai
      Reviewed on Dec 14, 2017
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