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  • SBI Credit Cards

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  • State Bank of India offers a wide range of credit cards each designed meticulously to suit the financial needs of the cardholders. From low finance charges to an excellent rewards program, SBI credit cards offer several benefits. Know Best SBI Cards 2019

    Top 10 SBI Credit Cards in India 2019

    Though little tricky, we tried to find the top 10 credit cards offered by SBI. Each SBI credit card listed below belongs to a different category and offers unique benefits.

    SBI Credit Card Variants Annual Fee Suitable For
    SimplyCLICK SBI Card Rs.499 Online shopping
    SimplySAVE SBI Card Rs.499 Shopping (Everyday)
    Yatra SBI Card Rs.499 Travel
    FBB SBI STYLEUP Card Rs.499 Co-branded shopping
    BPCL SBI Card Rs.499 Fuel
    IRCTC SBI Platinum Card Rs.500 Co-branded travel
    Air India SBI Platinum Card Rs.1,499 Travel
    SBI Card PRIME Rs.2,999 Premium & Lifestyle
    SBI Card ELITE Rs.4,999 Premium & Lifestyle
    Air India SBI Signature Card Rs.4,999 Premium & Travel

    (* BankBazaar is an official partner of SBI and allows users to apply for the below-listed cards on the website .)

    More
    We found 9 SBI Credit Cards
    Card
    1st Year Fee
    Rewards
    Joining Perks
    499
    100% PAPERLESS APPROVAL
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    499
    100% PAPERLESS APPROVAL
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    Fee Details
    499
    100% PAPERLESS APPROVAL
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    2999
    100% PAPERLESS APPROVAL
    What you'll love
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    Fee Details
    500
    100% PAPERLESS APPROVAL
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    Fee Details
    499
    100% PAPERLESS APPROVAL
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    Fee Details
    1499
    100% PAPERLESS APPROVAL
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    Think about
    Fee Details
    4999
    100% PAPERLESS APPROVAL
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    Fee Details
    4999
    100% PAPERLESS APPROVAL
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    Fee Details

    SBI Card Overview

    State Bank of India offers multiple credit cards to meet the financial needs of individual cardholders. SBI cards offer rewards on travel, shopping, dining, and more. You can also enjoy benefits like cashback and low interest rates, among others. If you are looking for a new credit card, take a look at the features and benefits of SBI cards to choose one that best suits you.

    Comparison of Top SBI Credit Cards

    Credit card Joining fee (One-time fee) Renewal fee (p.a.) Key benefits offered Interest rate Annual income requirement
    SBI Card ELITE Rs.4,999 Rs.4,999 5x Reward Points on dining, groceries, and departmental store purchases Up to 3.35% per month At bank’s discretion
    SBI Card Prime Rs.2,999 Rs.2,999 20 Reward Point for every Rs.100 spent on auto payment of utility bills Up to 3.35% per month At bank’s discretion
    SBI Unnati Nil Rs.499 from fifth year onwards (4-year fee waived) 1 Reward Point for every Rs.100 spent using this card Up to 2.5% per month At bank’s discretion
    SimplySAVE SBI Card Rs.499 Rs.499 (reversed if previous year’s spends totals Rs.1 lakh or above) 10 Reward Points for every Rs.100 spent on dining, movies, and purchases made at departmental and grocery stores Up to 3.35% per month At bank’s discretion
    SimplyCLICK SBI Card Rs.499 Rs.499 (reversed if previous year’s spends totals Rs.1 lakh or above) 10x Reward Points when you shop at selected partner outlets Up to 3.35% per month At bank’s discretion

    Key Features of SBI Cards

    SBI cards are categorized as premium cards, shopping and travel cards, classic cards and exclusive cards. Each card is unique and have special offers like free movie tickets, concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment and many more.

    SBI Lifestyle Credit Cards

    • Up to 50,000 Bonus Reward Points each year.
    • 5x Reward Points on grocery, dining, and departmental store purchases.
    • 2 Reward Points per Rs.100 spent on other expenses.
    • Low foreign currency mark-up charge of 1.99%.


    • The only credit card to be associated with the Indian Medical Association.
    • Professional indemnity insurance coverage of Rs.10 lakh.
    • 5x Reward Points on purchases made on National Doctor’s Day (1 July).
    • 5x Reward Points on overseas purchases, and spends on medical supplies, and travel bookings.


    • Professional indemnity insurance coverage of Rs.10 lakh.
    • Reimburses legal and defence fees, and court awards and settlements.
    • 5x Reward Points on international spends, travel booking, and purchases made overseas.
    • Waiver of renewal fee on annual spend of Rs.2 lakh and above.


    SBI Rewards Cards

    • 20 Reward Points for every Rs.100 spent on auto payment of utility bills.
    • 10 Reward Points for every Rs.100 spent on movies, groceries, dining, and purchases at departmental stores.
    • Waiver of annual fees when you spend a minimum of Rs.3 lakh in a year.
    • Complimentary Trident Privilege Red Tier membership.

    • Up to 10% off selected Apollo services.
    • 3x Reward Points for every Rs.100 spent on any Apollo service.
    • Renewal fee reversed if you spend Rs.90,000 or more in a year.
    • 1% fuel surcharge waiver across India.


    • 2% value back on purchases made at Croma (in-store and online).
    • Up to 5% value back on purchases made at Tata outlets.
    • 3x Empower Points on grocery, dining, departmental stores, and international transactions.
    • 1 Empower Point for every Rs.100 spent at other retail outlets.


    • 1.5% value back on purchases made at Croma (applicable to in-store and online spends).
    • 3x Empower Points on transactions made at departmental stores and for groceries.
    • Annual fee waiver on a minimum spend of Rs.1 lakh in a year.
    • Up to 5% value back on transactions made at Tata outlets.


    SBI Shopping Credit Cards

    • 10x Reward Points on online shopping transactions on selected merchant websites, such as Amazon, BookMyShow, and Cleartrip.
    • 5x Reward Points on other online spends.
    • Online voucher worth Rs.2,000 on total annual online spend of Rs.1 lakh and Rs.2 lakh.
    • Annual fee reversed for yearly spend of Rs.1 lakh.


    • 10 Reward Points for every Rs.100 spent on groceries, dining, movies, and purchases made at departmental stores.
    • 1 Reward Point for every Rs.100 spend on other purchases.
    • Spend at least nRs.2,000 within 60 days of card approval to receive 2,000 bonus Reward Points.
    • 1% fuel surcharge waiver at any petrol pump.


    • Renewal fee waived off for the first four years.
    • 1 Reward Point for every Rs.100 spent using this card.
    • Spend Rs.50,000 or more in a year to earn cashback of Rs.500.
    • 1% fuel surcharge waiver on spends between Rs.500 and Rs.3,000.


    • 10 Select Points for every Rs.100 spent at Central stores.
    • 5 Select Points for every Rs.100 spent on dining and movies.
    • 1 Select Point for every Rs.100 spent on other retail purchases except fuel purchases.
    • Collect up to 8,000 Select Points (worth Rs.2,000) based on your total annual spend.


    • 20 Selected Points for every Rs.100 spent at any Central store.
    • 10 Selected Points for every Rs.100 spent on movies and dining.
    • 2 Select Points for every Rs.100 spent on other retail purchases.
    • Collect up to 16,000 Select Points (worth Rs.4,000) based on your total annual spend.


    • Upfront discount of flat 10% when you shop for selected items at Big Bazaar and Fbb stores.
    • Make contactless transactions of up to Rs.2,000 per transaction.
    • 10x Reward Points on dining transactions, purchases made at Big Bazaar and at stand-alone Fbb and Food Bazaar stores.
    • 1 Reward Point for every Rs.100 spent on other retail purchases except fuel purchases.

    SBI Travel Credit Cards

    • 3 Etihad Guest Miles for every Rs.100 spent on the Etihad website.
    • 2 Etihad Guest Miles for every Rs.100 spent overseas.
    • 1 Etihad Guest Mile for every Rs.100 spent on other retail purchases.
    • Get an instant discount of up to 10% on direct Etihad Airways bookings.


    • Complimentary Etihad Guest Gold tier status after the first transaction with this card.
    • 6 Etihad Guest Miles for every Rs.100 spent on the Etihad website.
    • 4 Etihad Guest Miles for every Rs.100 spent overseas.
    • Up to 10% discount on air miles redemption.


    • Rs.1,000 off domestic flight tickets on a minimum booking amount of Rs.5,000.
    • Rs.4,000 off international flight tickets on a minimum booking amount of Rs.40,000.
    • 6 Reward Points for every Rs.100 spent on dining, groceries, entertainment, movies, departmental stores, and overseas purchases.
    • Access to Mastercard airport lounges in India.


    • 4.25% value back (equivalent to 13x Reward Points) on fuel purchases made at any BPCL pump.
    • 3.25% + 1% waiver on fuel surcharge for every fuel purchase up to Rs.4,000.
    • 5x Reward Points on every Rs.100 spent on grocery, departmental, dining, and movie transactions.
    • Waiver of fuel surcharge charge of up to Rs.100 each month.


    • Up to 10% value back in the form of Reward Points when you book selected train tickets through the IRCTC website.
    • 1 Reward Point for every Rs.125 spent on non-fuel retail purchases (including transactions on the IRCTC website).
    • Save 1.8% on transaction charges when you book train tickets via the IRCTC website.
    • Waiver of 1% fuel surcharge across petrol pumps in India (for transactions amount Rs.500-Rs.3,000).


    • Enjoy auto top-up of Rs.200 on your Mumbai Metro card when the balance dips to Rs.50.
    • 10 Reward Points for every Rs.100 spent on auto top-up of your metro card.
    • 10 Reward Points for every Rs.100 spent on grocery, dining, movies, and departmental store purchases.
    • 1 Reward Point for every Rs.100 spent on other purchases.


    • The card doubles up as a Chennai metro travel card as well as a credit card.
    • 10x Reward Points for every Rs.100 spent on grocery, dining, movie, and departmental store purchases.
    • 1 Reward Point for every Rs.100 spent on other purchases.
    • Waiver of 1% fuel surcharge on fuel purchases from Rs.500 to Rs.3,000.


    • Up to 30 Reward Points for every Rs.100 spent on Air India tickets booking via the Air India website or mobile app.
    • 4 Reward Points for every Rs.100 spent using this card.
    • Up to 1 lakh bonus Reward Points annually.
    • Convert your Reward Points into Air India Miles (1 point = 1 mile).


    • Up to 15 Reward Points for every Rs.100 spent on Air India tickets booked via the Air India website or app.
    • 2 Reward Points per Rs.100 spent using this card.
    • Up to 15,000 bonus Reward Points annually.
    • Complimentary Air India Frequent Flyer Program membership.

    SBI Banking Partnership Cards

    • 5x Reward Points on international and dining transactions, and purchases made at departmental stores and to buy groceries.
    • 2 Reward Points per Rs.100 spent on other purchases.
    • Rewards on annual spend of Rs.4 lakh and Rs.5 lakh.
    • Complimentary Priority Pass programme membership worth $99.


    • 5x Reward Points on transactions made at departmental stores and overseas, and dining and grocery spends.
    • 2 Reward Points per Rs.100 spent on other purchases.
    • Enjoy complimentary Priority Pass membership.
    • Online shopping voucher worth Rs.3,000 on when you spend Rs.4 lakh and Rs.5 lakh in a year.


    • 5x Reward Points on dining, departmental store and grocery transactions, and overseas purchases.
    • Complimentary Priority Pass membership worth $99.
    • Complimentary access to Visa airport lounges in India.
    • 30% off green fees to selected golf courses worldwide.


    • 2.5% value back, equivalent to 10x Reward Points, for every Rs.100 spent on dining transactions and purchases made at departmental stores.
    • 1 Reward Point per Rs.100 spent on other purchases.
    • Annual membership fee reversed when you spend more than Rs.1 lakh in a year.


    • 2.5% value back (equivalent to 10x Reward Points) for every Rs.100 spent on groceries and purchases made at departmental stores.
    • 1 Reward Point for every Rs.100 spent on other purchases.
    • Spend in excess of Rs.2,000 within 60 days of getting your card and earn 2,000 bonus Reward Points.
    • Waiver of 1% fuel surcharge if you spend between Rs.500 and Rs.3,000 at any petrol pump in India.


    • 5x Reward Points for overseas, dining, groceries, departmental store transactions.
    • 2 Reward Points per Rs.100 spent on other purchases.
    • Complimentary Priority Pass membership worth $99.
    • Complimentary access to Visa lounges in India and overseas through the Visa Airport Lounge Access program.


    • 5x Reward Points on overseas, department store, dining, and grocery spends.
    • 2 Reward Points per Rs.100 spent on all other transactions.
    • E-voucher worth Rs.3,000 from any one of the selected brands on annual spend of Rs.4 lakh and Rs.5 lakh.
    • Complimentary Priority Pass membership and access to Visa lounges in India and overseas.


    • Up to 2.5% value back (equivalent to 10x Reward Points) for every Rs.100 spent on groceries and at departmental stores.
    • Other purchases will earn you 1 Reward Point for every Rs.100 spent with the card.
    • Waiver of 1% fuel surcharge when you spend between Rs.500 and Rs.3,000 on fuel.
    • Spend Rs.1 lakh or more in a year and get your annual membership fee reversed.


    • 2.5% value back in the form of 10x Reward Points for every Rs.100 spent at departmental and grocery stores.
    • 1 Reward Point for every Rs.100 spent on other purchases.
    • Waiver of the 1% fuel surcharge when you spend between Rs.500 and Rs.3,000 on fuel.
    • Annual membership fee reversed when you spend Rs.1 lakh or more in a year.


    • 5x Reward Points on dining and purchases made at departmental and grocery stores.
    • 5x Reward Points on international purchases.
    • 2 Reward Points on all other purchases.
    • Enjoy complimentary Priority Pass membership worth $99.

    SBI Premium/Invite-Only Credit Cards

    Key Benefits of SBI Cards

    All credit cards from SBI offer a range of benefits including:

    1. Save on your interest

      You can transfer your outstanding amounts from other cards to your SBI card at a low rate of interest. With the balance transfer feature, you can avoid paying interest on multiple cards.

    2. Auto payment of bills

      With your credit card, paying your utility bills is hassle free. The auto bill payment option called Easy Bill Pay allows you to make timely payments each month. You can register and pay your utility bills, insurance premiums, and electricity and telephone bills.

    3. Protect yourself with insurance

      SBI in partnership with CCP offers comprehensive protection in the event of card loss, fraud, or theft. Cardholders enjoy facilities like emergency travel assistance, banking protection, free replacement of lost card, and more.

    4. Convenient access to your account

      You can access your SBI card account online or download the SBI Card mobile app. Make bill payments, check your outstanding balance, and more anytime, anywhere.

    5. Funds for your immediate cash requirements

      Your SBI card can be very helpful if you need additional funds for an emergency. With the SBI Encash facility, you can get quick access to funds. You could get an amount above or within your credit limit transferred to your account within 48 hours with Encash. Repayment of the funds can be made in 12-, 24-, or 36-month instalments.

    Credit Card Against Fixed Deposit

    SBI Card Unnati - You can apply for this card against a fixed deposit. You need to have an FD of Rs.25,000 or more with State Bank of India to be eligible.

    SBI Card Other fees and charges

    Type of fees Charges
    Credit card finance charge Up to 2.5% per month for SBI Card Unnati Up to 3.35% per month for other cards
    Minimum amount due each month 5% of total outstanding amount or Rs.200 + taxes, whichever is higher
    Interest fee period 20 to 50 days
    Finance charge on cash advance Up to 2.5% per month for SBI Card Unnati Up to 3.35% per month for other cards
    Cash advance limit Up to 80% of your total credit limit, maximum of Rs.15,000 per day
    Cash advance fee – SBI and local ATMs 2.5% of amount withdrawn, minimum of Rs.300
    Cash advance fee – international ATMs 3% of the transaction amount, minimum of Rs.300
    Statement retrieval Rs.100 per statement – for statements more than 2 months old
    Late payment fee (charged based on the total outstanding amounts) Below Rs.200: Rs.0 Above Rs.200 to Rs.500: Rs.100 Above Rs.500 to Rs.1,000: Rs.400 Above Rs.1,000 to Rs.10,000: Rs.600 Above Rs.10,000 to Rs.25,000: Rs.800 Above Rs.25,000: Rs.950
    Over limit fee 2.5% of the excess credit utilised or Rs.500, whichever is higher
    Card replacement fee – domestic Rs.100
    Card replacement fee while travelling abroad Actual cost of the card or $175, whichever is higher
    Dynamic currency conversion fee or mark-up 3.5% For SBI Card ELITE – 1.99%
    Rewards redemption charge Rs.99

    Documents Required for Application

    You are required to submit proof of identity, address, and income while applying for a credit card. Here is a list of documents you can submit to prove your eligibility. Remember that this is not an exhaustive list and that the bank can ask you for additional documents.

    Proof of identity (any one)
    • Ration card
    • Voter's ID card
    • Passport
    • PAN card
    • Aadhaar card
    • Driving license
    Address proof (any one)
    • Aadhaar card
    • Telephone bill
    • Rental agreement
    • Electricity bill
    • Passport
    • Ration card
    Income proof for self-employed individuals
    • Latest Income Tax Returns (ITR)
    • Audit proof, balance sheet, or loss statement
    • Business financial statements
    Income proof for salaried individuals
    • Employment letter
    • Latest salary slip
    • Salary certificate

    How to Apply SBI Credit Card Online

    Applying for an SBI credit card is easy. BankBazaar offers paperless application for selected SBI cards. You can check your eligibility, upload the documents, and apply for a card within a few minutes through the BankBazaar website.

    • Visit BankBazaar SBI Credit Card Section.
    • Choose a card that suits your spending pattern.
    • Click on the ‘Check Eligibility’ tab.
    • Fill in the required details to find out if you are eligible to apply for the card.
    • You will be directed to the application page where you will have to fill in your details.
    • Once you have entered all the necessary information, click on ‘Submit’.
    • Upload your documents and click on ‘Submit’.
    • After you have successfully provided all the required information, you will receive a message with your application ID.

    Additionally, you can log on to the SBI website and apply for a card online. SBI offers online application for most of their cards.

    • Visit the official SBI website.
    • Slid the cursor on the credit cards tab and click on ‘Help Me Find a Card’.
    • Find the ideal card for you with the Simplyfier feature.
    • Read through the features and benefits of the card.
    • Click on ‘Apply’.
    • Fill in your personal and contact details.
    • A representative of the bank will contact you to take your application further.

    You can also visit any SBI branch near you to apply for a credit card. If you want to apply for an SBI banking partner card, you will have to visit the partner branch to complete the application process.

    Required Credit Score to Apply for SBI Cards: SBI takes into account your credit history and you credit score to determine your eligibility for a card. Although the specific score required varies from card to card, a score of 700 and above is considered good.

    How to Track Your Application Status

    If you want to find out whether your application has been approved by the bank, you can use the Track Application feature on the BankBazaar website.

    • Visit BankBazaar.com and click on ‘Track Application’.
    • Enter your application ID, mobile number, and click on ‘Track Application’.
    • The screen will display the status of your application.

    You can also track the status of your application if you have applied for your card through the SBI website.

    • Log on to the SBI website.
    • You will find the ‘Track My Application’ link under the ‘Apply’ tab.
    • Enter your application or reference number to get the details.
    • You can also fill in your date of birth to track your application.

    SBI Balance Transfer

    Pay the balance on your other credit cards with your SBI card. You can transfer the outstanding amount on other cards to your SBI card at a low rate of interest. The balance transfer feature can help you save on the interest on multiple cards. SBI offers two balance transfer plans you can choose from:

    • 0% interest rate for 60 days. Processing fee of 2% or Rs.199, whichever is higher, is applicable.
    • 1.7% interest per month for 180 days. Processing fee is waived off.

    Loan on Your Credit Card

    The Encash feature on SBI cards allows you quick access to funds when you need it the most. It is a pre-approved facility that is offered to selected cardholders. You can apply for a loan amount that is within or over your existing credit limit. If you are eligible, the amount will be transferred to your State Bank of India account within 48 working hours. Transfer of funds will be done through NEFT.

    Encash attracts an interest rate as well as a processing fee. You can contact the bank for the applicable rate of interest. You have to pay a one-time processing fee of 2% of the amount or Rs.499, whichever is higher. The processing fee will not exceed Rs.3,000.

    SBI Credit Card Bill Payment

    SBI offers various avenues to help you pay your credit card bill on time. Based on your convenience, you can choose to pay your bill online or in person.

    Online bill payment

    You can use any of the following methods to pay your credit card bill online.

    • Net banking (NEFT) – For payment from accounts other than State Bank of India. Use the IFSC code SBIN00CARDS.
    • Paynet-Pay Online – Pay on the SBI website through your bank’s net banking facility.
    • Visa Credit Card Pay – Pay your SBI Visa card bill using your net banking facility.
    • Online SBI – Clear your dues by making payments through the SBI website using your SBI account.
    • Electronic Bill Payment (EBP) – This online payment service can be availed through ATM, mobile app, or net banking of State Bank of India, Citibank, Bank of India, and Indian Overseas Bank.
    • National Automated Clearing House (NACH) – Through this automated payment method, your monthly dues will be deducted directly from your account.
    • SBI Auto Debt – Enjoy the convenience of paying directly from your State Bank of India account with the auto debt feature.
    • Debit Card – You can make your monthly payment with your debit card. SBI allows you to pay through debit cards from leading banks.

    Payment via mobile app

    • SBI App - Pay your credit card bill on the go with the SBI mobile app.
    • Pay through YONO – YONO by SBI facilitates easy and quick bill payment. You can choose either the YONO mobile app or website to make payments.
    • UPI Payment – Download the BHIM SBI Pay app on your phone to pay your card bill. UPI allows you to transfer money from one account to another using a smartphone.

    Offline bill payment

    • SBI ATM– Pay your monthly bill with your debit card at any of the SBI ATMs.
    • Electronic Drop Box – Drop off your cheque at an electronic drop box near you and get an instant receipt.
    • Manual Drop Box – You can drop off your cheque at any of the drop boxes across India.
    • Payment at Bank Branch – You can visit any State Bank of India branch to pay your card bill.

    How to Contact SBI Customer Care

    If you have any queries about your card, you can contact State Bank of India for assistance. You can contact the bank through any one of the following ways.

    • E-mail
    • Missed call
    • Write to the bank
    • Twitter
    • Call customer care
    • IRCTC SBI credit card helpline
    • SMS
    • Fax

    SBI Credit Card Offers

    In addition to Reward Points and value back, you can enjoy a range of offers on your SBI card. From promotions on travel to shopping, get exclusive discounts and deals with your credit card.

    How to Earn and Redeem Reward Points

    Most SBI cards allow you to earn Shop-and-Smile Reward Points which have a validity of 2 years. Use your card to make purchases to earn points on each transaction. It is important to keep in mind the specific spend categories for which you can earn maximum Reward Points.

    Once you have accumulated the points, you can redeem them for exclusive gifts, shopping vouchers, and more. Points redemption can be done on the SBI website or through the mobile app. Sign in with your login information and redeem your points for any of the products in the catalogue.

    You can call SBI card helpline 1860 180 1290 or 39 02 02 02 with your local STD code or write to them to redeem your points. Your gift will be delivered to the registered address.

    SBI Credit Card FAQs (Frequently Asked Questions)

    1. Is there any app for SBI credit card?
    2. Yes, SBI Card has an exclusive with the same name ‘SBI Card’ available on both Android and iOS platforms. Once you download the app, you can register and access your credit card account details, raise card related requests, perform transactions, and place requests for other SBI products, etc.

    3. Can we convert SBI credit card reward points to cash?
    4. Not exactly. But there are a few SBI credit cards that would allow you pay your card outstanding using the reward points. For instance, SBI Card Prime, SBI Card Elite, and SBI SimplySAVE Advantage allow you to redeem your reward points against card outstanding. On all these cards, you can redeem Rs.1 for every 4 reward points.

    5. What is the minimum salary to apply for credit card in SBI?
    6. The minimum salary to apply for an SBI credit card varies for each card. The more premium the card is, the higher would be the salary requirement.

      Though SBI does not disclose the income required to apply for a card on its website, from its ‘Simplyfier’ tool we can figure out that the minimum gross annual income required is Rs.1 lakh, provided you don’t have any other monthly deductions from your salary. Otherwise, it would be minimum Rs.2 lakh p.a.

    7. How many days does it take to get an SBI credit card?
    8. Once you submit your SBI credit card application along with the required documents, it will take up to 21 days for the bank to process the application. If there are any missing documents and other issues with the application, it might take even longer.

      Meanwhile, you can track your credit card application status using the SBI’s ‘Track Application’ feature available on www.sbicard.com/en/eapply.page#track-retrieve-form.

    9. Can I use my card to withdraw money?
    10. Yes, you can take a cash advance with you credit card. You can withdraw a maximum of Rs.15,000 per day with your card. The overall cap on cash withdrawal is 80% of your total credit limit. You need to remember that taking cash advance will incur finance charge of up to 3.35% per month.

    11. How to use my credit card while travelling abroad?
    12. Before you go abroad, you need to activate your card for international transactions. Log in to your SBI account to activate the international credit limit on your card. The chatbot ELA can also help you with the activation.

    13. What charges incur if I use my credit card to make international transactions?
    14. Foreign currency transactions incur a mark-up fee of 3.5% in addition to applicable taxes. It is important to remember that making purchases with Indian rupee while travelling abroad will incur higher costs. It is better to use the currency of the country you are travelling to.

    15. What type of transactions are not eligible to earn Reward Points on my card?
    16. Although you can earn Reward Points on most of your purchases, there are certain transactions that are not eligible to earn points. These include balance transfer, cash advance, disputed transactions, financial charges, and others.

    17. What should I do if my card is stolen or lost?
    18. You need notify the bank immediately if your card is lost or stolen. The bank will block your card for protection against fraudulent transactions.

    19. How to close SBI credit card account?
    20. You can call or write to SBI or call their card helpline if you want to cancel or close your card. Once you make a request for account closure, the bank will terminate your account. In addition, any add-on cards associated with your account will also be terminated.

      Remember that your account will be closed only if you have paid off all your dues. You will have to clear any outstanding amount before your request for closure is accepted.

      

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    SBI Credit Cards Reviews

    • SBI Cards Credit Card
      "Good"
      0.5 5.0/5 "Blown Away!"
      I Have selected Simple save credit card before 3 months , customer service is good and responsive. There is sufficent limit is provide. while transaction cash back offer and rewards point applicable.The Annual charge Rs 499.While document submitted through executive so there is no delay credit card . EMI option is applicable.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Very friendly card"
      0.5 5.0/5 "Blown Away!"
      SBI service is good and if i skip the pay, they are charging a amount of Rs. 300 for late fee and interest rate which is a nominal one and it will carry forward for the next month. Since I'm using the SBI FBB style up card, i get a offers on Fashion Bigbazaar.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 3.0/5 "Satisfactory"
      I am not using the card much because i don't like the card with this SBI CARD, the card has the good credit limit which is sufficient but it is a payable card of 999 rupees. There are offers with the airport lounge and movie tickets apart from that i am not aware of the offers.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State Bank credit card through Bank directly ,I am using this credit card for the past 2 years .This is a chargeable card and the credit limit was really good .I have got all the required information about the card process ,This card was good to use and i am pretty comfortable with the service .
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "NOT SATISFIED"
      0.5 1.0/5 "Really Bad"
      I am using the credit card since from last 1.5 months with the SBI CARD, the card has the nominal credit limit also it is a payable card for yearly once with the card. There are no offers available with the card, application is not easy to use to use.
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      , jaipur
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Getting an from SBI is tough"
      0.5 4.0/5 "Great!"
      SBI credit card which i'm using for a quite a long time and it helped me a lot in my tough times. Customer care part, i find the SBI card is loveable. I got this card in the year of 2011 and it was IRCTC card hence i get a offer on booking a train tickets. They have given me a very minimal limit of Rs. 35000. They required a more number of documents.
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have state Bank Of India through Online using for the past 1 year,This was as chargeable card ,I have received the credit card on delay basis ,The credit limit was good and there was good reward points as well as cash back offers also there ,while submitting documents there was no issues .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I have selected state bank of India platinum past more than 3 years. sufficient limit is not provide from banker end.EMI option is applicable.while transaction through online i will receive every month two movie ticket voucher book my show.customer service is good and responsive.
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      , hyderabad
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Offers should be increased"
      0.5 4.0/5 "Great!"
      SBI is genuine in the service, they take some charges but they are transparent. Every year I am paying Rs. 500 per annum other wise if I spend Rs. 30,000 the fee get waived off. There is no such complimentary offers like lounges but they give less offers based on the usage.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "GOOD"
      0.5 5.0/5 "Blown Away!"
      I have taken the credit card with SBI CARD where there are good offers and benefits with the card are there are added on that the card has the good credit limit. The card has the life time free card, also the application is easy to use with the card.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good potential with high annual fee"
      0.5 4.0/5 "Great!"
      I'm going to stop using the SBI FBB style up credit card because its charged me a lot. In June i paid all the dues. There is a annual fee of Rs.780. Its not a much useful card for me. We can use the card a lot in Bigbazaar. I'm satisfied with the limit.
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      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Very good card"
      0.5 4.0/5 "Great!"
      SBI card is very good but they charge more. When i purchase the card they have given me a limit of RS. 1.8 lakhs and they have gradually increased the limit upto Rs. 4.5 lakhs. Whatever the benefits i'm looking, its there on SBI card. Transaction are smooth and secure.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.5/5 "Excellent!"
      I have selected state bank of India simple save credit card , annul chargers Rs 499 .customer service is good and responsive while transaction rewards point is applicable .While document submitted through executive so there is delay credit card .All notification email and message communication from banker end .Sufficient limit is provide from banker end
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "NEED TO IMPROVE THE SERVICE"
      0.5 3.0/5 "Satisfactory"
      The annual fee is higher which is 3000 rupees there are no offers with the fuel sur charges waver off, they are providing only with the online shopping as a cash backs, rewards points it is simple to redeem and use. The application is easy and simple to use.
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      , pune
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which was applied through Bank .I am using this credit card for the past 4 years and there was no difficulties faced so far .The credit limit was really good and this was a free card ,The agent gave all the required details about the card process .I am really comfortable with the service.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Need to enhance the credit limit"
      0.5 3.0/5 "Satisfactory"
      I was taken SBI credit card more than a year. Due to the credit limit is low for 10 thousands offered for this card, regarding to enhance I have contact to customer service but they given only for 10 thousands. It is an annual fee chargeable. So I have closed the card now.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Need scope of improvement"
      0.5 3.5/5 "Pretty good"
      Its one of the biggest bank in India, they have largest network like atm centers, branches, cash deposit machine. I am using SBI YONO its much better than other app, they integrated all the option in one app. But SBI could improve their customer service because whenever we go to the bank they take long time.
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      , gurgaon
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "BEST"
      0.5 5.0/5 "Blown Away!"
      The service is good provided with the SBI CARD but credit limit is lesser but it is the payable card to use. There are offers available with the card but i am not using the card, application is easy to use the billing. It is a user friendly card to access.
      Was this review helpful? 1
      , thane
      Reviewed on Jul 13, 2019
    • SBI Cards Credit Card
      "Good for shopping"
      0.5 5.0/5 "Blown Away!"
      I regular won't use my SBI card because i have other cards to use. I get the notification whenever i pay my credit card bills and i haven't received any offer messages. They have given me a limit of Rs. 60000 and there is a annual fee of Rs. 1500 need to be paid for this card and it will get waived off based on the redeemed points.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jul 12, 2019
    • SBI Cards Credit Card
      "Good service with Good card"
      0.5 3.5/5 "Pretty good"
      Earlier i have used the SBI Credit card. Actually i lost my job hence the outstanding amount was high after some time i settled all the dues and i have closed the card. I was satisfied with the credit limit of Rs. 70000. I have received my NOC letter after 2 days.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 12, 2019
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