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

    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.

    Top 10 SBI Credit Cards in India 2022

    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.)

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    SBI Credit 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.

    Key Features of SBI Cards

    SBI cards are categorised 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.
    • Earn 10 Reward Points per Rs.100 spent on Dining, Departmental stores and Grocery spends.
    • 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.20 lakh.
    • 5x Reward Points on purchases made on National Doctor’s Day (1 July).
    • 5x Reward Points on medical supplies, international spends, and travel bookings.

    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, Cleartrip, Lenskart, and Netmeds.
    • 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 Rs.2,000 within 60 days of card approval to receive 2,000 bonus Reward Points.
    • 1% fuel surcharge waiver at any petrol pump.

    • 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.
    • Get a Central e-gift voucher worth Rs.750 as a welcome gift.

    • 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.
    • Get a Central e-gift voucher worth Rs.3,000 as a welcome gift.


    • Upfront discount of flat 10% when you shop for selected items at Big Bazaar and Fbb stores.
    • 10x Reward Points on dining transactions, purchases made at Big Bazaar and at stand-alone Fbb and Food Bazaar stores.
    • Get an Fbb gift voucher worth Rs.500 within 15 days of payment of the annual fee.

    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 (3% on Economy Class and 10% on Business class).

    • 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% transaction charges on railway ticket bookings on www.irctc.co.in.
    • 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.
    • Get e-Gift Voucher of Rs.3,000 from any one the partners when your annual spends reach Rs.4 lakh or Rs.5 lakh.
    • Complimentary Priority Pass programme membership worth $99.

    • 2 Reward Points per Rs.100 spent on other purchases.
    • Enjoy complimentary Priority Pass membership.
    • Online shopping voucher worth Rs.3,000 as a welcome gift from one of these brands Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.

    • Get a welcome e-Gift Voucher of Rs.3,000 from any of these brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.
    • When your annual spends reach Rs.4 lakh and 5. lakh, you will earn more rewards.
    • Enjoy 2 free Domestic Airport Lounge visits every quarter in India.


    • When you spend Rs.2,000 and more within 60 days of receiving the card, you get 2,000 bonus Reward points.
    • Get a 1% fuel surcharge waiver at any petrol pump when the transaction amount amount is between Rs.500 and Rs.3,000.
    • Enjoy up to 2.5% value back, as you get 10X Reward Points for every Rs.100 spent at all Departmental and Grocery stores.

    • 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.

    • 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.

    • 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.

    • Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India.
    • Earn 2 reward points for every Rs.100 spent on all categories.
    • Welcome e-Gift Voucher worth Rs.3,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.

    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, telephone and electricity 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 credit 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 3.5% on all unsecured SBI Credit Cards (except Shaurya)
    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 For domestic cash withdrawal, a fee of 2.5% or Rs.500 (whichever is higher)
    Statement retrieval Rs.100 per statement – for statements more than 2 months old
    Late payment fee (charged based on the total outstanding amounts)
    • Up to Rs.500 - Nil
    • Rs.501 to Rs.1000 - Rs.400
    • Rs.1001 to Rs.10,000 - Rs.750
    • Rs.10,001 to Rs.25,000 - Rs.950
    • Rs.25,001 to Rs.50,000 - Rs.1,100
    • More than Rs.50,000 - Rs.1,300
    Over limit fee 2.5%
    Card replacement fee – domestic Rs.100 to Rs.250

    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 licence
    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.

    • Step 1: Visit the official SBI website.
    • Step 2: Slide the cursor on the credit cards tab and click on ‘Help Me Find a Card’.
    • Step 3: Find the ideal card for you with the Simplyfier feature.
    • Step 4: Read through the features and benefits of the card.
    • Step 5: Click on ‘Apply’.
    • Step 6: Fill in your personal and contact details.
    • Step 7: 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.

    • Step 1: Visit BankBazaar.com and click on ‘Track Application’.
    • Step 2: Enter your application ID, mobile number, and click on ‘Track Application’.
    • Step 3: 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.

    • Step 1: Log on to the SBI website.
    • Step 2: You will find the ‘Track My Application’ link under the ‘Apply’ tab.
    • Step 3: Enter your application or reference number to get the details.
    • Step 4: 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 SBI credit card 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.

    SBI Balance Transfer on EMI

    • 0.75% interest rate for 3 months. Processing fee of 1.5% or Rs.199, whichever is higher, is applicable.
    • 1.27% interest per month for months days. Processing fee of 1.5% or Rs.199, whichever is higher, is applicable.

    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 SBI 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 SBI credit card customer care 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.

    FAQs on SBI Credit Card

    1. Is there any app for SBI credit card?

      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.

    2. Can we convert SBI credit card reward points to cash?

      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.

    3. What is the minimum salary to apply for credit card in SBI?

      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.

    4. How many days does it take to get an SBI credit card?

      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.

    5. Can I use my card to withdraw money?

      Yes, you can take a cash advance with your 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 SBI credit Limit. You need to remember that taking cash advance will incur a finance charge of up to 3.35% per month.

    6. How to use my credit card while travelling abroad?

      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.

    7. What charges incur if I use my credit card to make international transactions?

      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.

    8. What type of transactions are not eligible to earn Reward Points on my card?

      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, finance charges, and others.

    9. What should I do if my card is stolen or lost?

      You need to notify the bank immediately if your card is lost or stolen. The bank will block your card for protection against fraudulent transactions.

    10. How to close SBI credit card account?

      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.

    SBI Bank Headquaters Address:

    General Manager

    State Bank of India, Local Head Office,

    Bandra Kurla Complex

    Mumbai-400 051.

    News About SBI Credit Cards

    • Aditya Birla Finance and SBI Card collaborated to launch a New Lifestyle Credit Card

      A new credit card was introduced through collaboration between Aditya Birla Finance and State Bank of India (SBI) Card. The credit card is called the Aditya Birla SBI Card, and it is well recognised for being a very lucrative credit card that rewards its users with points for spending money in a range of industries, including travel, fashion, dining, telecom, etc.

      1 July 2022

    • SBI and Nature’s Basket join hands to launch credit card

      Nature’s Basket and State Bank of India have collaborated to launch unique credit card. This credit card will be available in two variants – ‘Nature’s Basket SBI Card Elite’ and ‘Nature’s Basket SBI Card’. This credit card offers up to 20 reward points on every Rs.100 spent. Along with that, the cardholder gets premium brand gift vouchers and complimentary BookMyShow tickets valuing Rs.6000 every year. Nature’s Basket SBI Card Elite customers get up to eight complimentary domestic lounge visits every year and six complimentary international lounge visits every year. And Nature’s Basket SBI card customers get up to four complimentary domestic lounge visits every year.

      26 April 2022

    • TCS and SBI join hands to revamp digital experience

      Tata Consultancy Services had helped State Bank of India digitize a major part of the process for IPO in 2020. TCS will now digitize SBI’s online onboarding processes to equip a faster and enhanced user experience. Moreover, TCS will also enable SBI Card to further expand its e-card issuance.

      26 April 2022

    • SBI-Nature's Basket Partnership: Launch of new Gourmet Credit Card

      SBI Bank has now partnered with Nature’s Basket (India’s leading grocery premium store) and they are set to launch a new credit card. The ‘Nature’s Basket SBI Card’ caters to the premium customers that have gourmet taste.

      23 March 2022

    • Co-branded card announced by NPCI

      The National Payments Corporation of India (NPCI) has partnered with Yatra.com and State Bank of India (SBI) to launch a co-branded credit card ‘Yatra SBI Card’ which will be distributed by RuPay.

      Applicants who travel frequently can apply for this credit card as they will first receive a welcome benefit worth Rs.8,250. One can use this card to book railway and air tickets, make hotel reservations, and avail other services.

      On using this card, 6 reward points will be used for every Rs.100 spent as well as a fuel surcharge waiver of 1% will be offered. There are other benefits which will be offered on availing this card such as a complimentary air accident cover of Rs.50 lakh, and no annual fee will be charged if the cardholder spends Rs.1 lakh annually using the credit card.

      4 March 2022

    • Paytm partners with SBI Card to allow payments on Android devices

      SBI Cards announced on 30 December 2021 that they had partnered with Paytm so that payments can be made on the app. Under the partnership, SBI cardholders can tokenise their cards so that payments can be completed. The facility will be available only on Android devices that are NFC enabled. Currently, only cards that are issued in India can come under the Paytm Network. However, transactions can be completed at international locations.

      3 January 2022

    • SBI has launched a fitness focused credit card to offer health related benefits

      SBI has launched a credit card ‘SBI Card PULSE' that will offer its customers various benefits related to fitness and health. This contactless card was launched on the Visa Signature platform and has an annual membership fee of Rs.1,499. Cardholders who spend Rs.2 lakh within the card membership year will get a renewal fee waiver.

      SBI Card PULSE users will also receive the Noise ColorFit Pulse Smartwatch costing Rs.4,999 after paying the joining fee. With one-year Fitpass Pro membership, customers will be able to access over 4,000 fitness studios and gyms across India. Online fitness sessions for dance, cardio, yoga, and more will also be available. The card offers several other benefits such as unlimited doctor consultation for up to a year, annual basic health check-ups, discounts on pathology lab tests, and more.

      15 December 2021

    • Rs.99 Fee to be Levied on SBI Credit Card EMIs

      State Bank of India will levy Rs.99 plus taxes as its processing fee for credit card purchases that are paid for via EMIs. The Reserve Bank of India (RBI) has said that SBI's market share in credit cards is around 19%. The bank has issued 12.76 million cards.

      02 December 2021

    • SBI Credit Card Update: Users will be charged Rs.99 on EMI transactions

      The State Bank of India (SBI) has stated that a processing fee and tax will be charged on equated monthly instalment (EMI) transactions done via SBI credit cards. The SBI Cards & Payment Services Private Limited (SBICPSL) has further announced that Rs.99 plus tax will be charged on transactions from 1 December 2021.

      The updated guidelines will be applicable to e-commerce websites and retail outlets. All SBI credit card users were sent an email notification regarding the new guidelines on 12 November. The SBI stated that if the EMI transaction fails, the processing fee will be waived. However, this won’t be applicable during the pre-closure of the EMI.

      16 November 2021

    • Avail up to 30% discount on flight, hotel bookings on MakeMyTrip with SBI credit card

      Those who have a State Bank of India (SBI) credit card will be able to avail a discount of up to 30% on booking a trip on MakeMyTrip.

      SBI Card announced the offer by tweeting on their official Twitter handle. The tweet mentioned that on booking a travel on MakeMyTrip where the payment is made through SBI credit card, the user will be able to avail a discount of 30%. The offer is valid till 30 December 2021, and the maximum discount that that can be availed is up to Rs.30,000 per card. The offer will be valid on all SBI credit cards except for corporate cards and Paytm SBI credit cards.

      However, this offer will be valid every Thursday till 30 December 2021 and can be used only per card, per category, and per month. Also, this Offer is also valid on EMI transactions on SBI credit cards.

      The customer must login to the MakeMyTrip official website or the MakeMyTrip app and book their travel after choosing the destinations. During the time of payment, one should select the SBI Credit Card option to complete the payment and avail the discount.

      21 October 2021

    • Launch of new RuPay Card: BPCL and SBI partnership

      The SBI Card and Bharat Petroleum Corporation Limited (BPCL) partnership is set to launch the ‘BPCL SBI Card co-branded RuPay Contactless Credit Card’ which is one of the most rewarding in terms of fuel savings. You also earn accelerated reward points on groceries, departmental stores, dining, and movies spends.

      24 September 2021

    • SBI Cards and Payment Services state pandemic sped up the pace of digital adoption in India

      In its latest annual report, SBI Cards and Payment Services has stated that the coronavirus pandemic has sped up the pace of digital adoption in the country. SBI Cards and Payment Services which is majority-owned by State Bank of India is India’s second-largest credit-card issuer after HDFC Bank. As per the report, over the past 18 months, customers using credit cards found new areas to spend on like over the top (OTT) platforms, online education, e-pharmacies, and online doctor consultations. The report adds that its total income reduced annually by 0.4 percent thereby eroding 20 percent off its profit when compared to 2019-20. A decline of 6 percent in users’ spend was also witnessed in FY21 even though its customer base grew 12 percent over FY20. It added that going forward digitalization is a strategic focus area and an important marker of performance.

      12 August 2021

    • Digital India Sale Announced by Reliance Digital

      Reliance Digital is now ready to launch the Biggest Electronics Sale in India: Digital India Sale which will take place on 26 July. This sale will go live at all Reliance Digital and My Jio stores and also on the website, www.reliancedigital.in. As a customer, you can get deals on a wide range of electronic items and also a 10% cashback on SBI credit cards on a minimum transaction of Rs.10,000 (22 July to 5 August). You can save up to Rs.5,000 on your transactions. This offer is available on SBI credit card EMI transactions.

      25 July 2021

    • Fabindia SBI Card SELECT and Fabindia SBI Card contact credit cards launched in India

      SBI Card and Fabindia have joined hands to launch two contactless cards, the Fabindia SBI Card SELECT and Fabindia SBI Card. The cards come with several reward points benefits along with value back on several spending categories. The Fabindia SBI Card SELECT comes with welcome benefit gift vouchers worth Rs.1,500. Four complimentary domestic lounge access in a quarter is also provided with the card. The Fabindia SBI Card comes with welcome benefit gift vouchers worth Rs.500. You do not have to pay the annual fee in case you spend Rs.1,00,000 in a year.

      25 June 2021

    • SBI Cards and Payments see an increase in net profit by 110%

      According to SBI Cards and Payment Services, the company has seen a net profit of Rs.175 crore. The net profit has increased by 110% when compared to the quarter that ended on March 2021. State Bank of India promotes the company. In the last quarter of 2019-2020, the company saw a profit of Rs.84 crore. However, the income of the company fell from Rs.2,510 crore to Rs.2,468 crore in the fourth quarter of 2020. Credit card usage has seen a decrease due to the COVID slowdown. According to the company, the performance of the company will continue to be impacted because of the second wave of COVID-19.

      08 June 2021

    • SBI offering lucrative offers to its customers

      Customers of State Bank of India (SBI) can avail lucrative offers by getting Amazon vouchers and discount on buying furniture by using SBI credit card and Yono app respectively.

      Customers of SBI will be able to earn Rs.500 Amazon voucher on referring their friends for using the SBI credit card.

      16 April 2021

    • More than 50% of SBI Card transactions are online payments

      The SBI Cards and Payment Services has seen that 50% of its transactions have been online payments for services and purchases made for the categories of groceries, utility bill payments, insurance premiums, etc.

      According to MD and CEO of SBI Card, Rama Mohan Rao Amara, more than 53% of the spending have been in the form of online payments compared to 44% before. The rise in payments has been for categories such as online education, groceries, apparel, utilities, etc.

      He also mentioned that the PoS transactions have yet to pick up given the resurgence of COVID-19 cases in the country. Compared to before when most credit card transactions coming from Tier-1 cities, now the majority of the sales, around 58% comes from Tier-2, Tier-3 and Tier-4 cities.

      05 April 2021

      

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    SBI Credit Cards Reviews

    • SBI Cards
      "Good service"
      0.5 4.0/5 "Great!"
      SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
      Was this review helpful? 407
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      SBI Cards
      "Ok service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
      Was this review helpful? 344
      , hyderabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
      Was this review helpful? 319
      , faridabad
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
      Was this review helpful? 380
      , gurgaon
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
      Was this review helpful? 17
      , kolkata
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
      Was this review helpful? 15
      , bangalore
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Best card "
      0.5 4.0/5 "Great!"
      SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
      Was this review helpful? 17
      , hosur
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Need to improve customer service & enhance the limit "
      0.5 2.0/5 "Expected more"
      SBI customer service is not providing good response whenever I contact them. The rate of interest is high. They have deducted 100 rupees for cheque transaction purpose. The limit is low of 63K. I am holding this card for 8 years. I am not getting any calls or message for an update. It is a life time free card. It is a Visa card. My payments are done on time so no idea about EMI facility. But there is no much benefits when I compared with usage.
      Was this review helpful? 47
      , chennai
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Good service"
      0.5 4.0/5 "Great!"
      I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
      Was this review helpful? 12
      , pune
      Reviewed on Mar 21, 2020
    • SBI Cards
      "Need to improve their service "
      0.5 1.0/5 "Really Bad"
      I have paid first bill payment for SBI card without any issue. But at that time they have intimated of 8K Yatra voucher but still I didn't get it. So I contacted the banker twice for voucher issue but there is no proper response from their end. It is an annual fee chargeable card of 499 plus GST and it will be reverse in first bill payment but not done yet. The credit limit is sufficient.
      Was this review helpful? 26
      , surat
      Reviewed on Mar 21, 2020
    • SBI Cards
      "good service"
      0.5 5.0/5 "Blown Away!"
      I have just got the card one month ago, I have done less transactions and till now I haven't got my bill payment. The credit card is good but i am not satisfied with the credit limit of 37000 rupees only. Hope they increase the limit apart from that its fine.
      Was this review helpful? 9
      , surat
      Reviewed on Mar 20, 2020
    • SBI Cards
      "User friendly"
      0.5 5.0/5 "Blown Away!"
      SBI credit card have a credit limit of 75000 rupees, its a chargeable card of Rs.500 per year along with 87 rupees of GST. The card have a reward points of 500 from amazon if I spend Rs.5000 then only i can redeem the rewards points. I used this card for hotel booking, petrol surcharge and
      Was this review helpful? 11
      , tirunelveli
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have a SBI credit card which i have been using it recently, so far i have not faced any issues. I used this card for online shopping and other purchases.I get many cash back offer and reward points.The credit limit of the card is 46,000rupees, i wish the bank can increase the credit limit more.
      Was this review helpful? 6
      , jalandhar
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Very good card"
      0.5 5.0/5 "Blown Away!"
      I am having SBI credit card with a limit of 120000 and its a life time free card,the bank provide my statement on time,by using this card i used to get offers on malls and groceries.I pay my bill directly through the bank.But no ATM is available nearby.
      Was this review helpful? 11
      , rajkot
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Ok service"
      0.5 4.0/5 "Great!"
      I have been using SBI credit card recently and I am having a good experience where I get offer from YATRA, the card charges are affordable its only Rs. 500 in a year along with GST.I used to do my card payment directly from the bank, the card limit is 50,000 rupees and I am using this card for general purposes.
      Was this review helpful? 10
      , hyderabad
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Good Service"
      0.5 4.0/5 "Great!"
      I have availed SBI card for business purpose it is used mostly.For all online transaction and the credit limit was less it was 47000 and using for the past 2 months only .cash back offers and reward points are not there .I am paying the credit card bill through online .I have not faced any issues so far and for online transaction will;l be getting otp.
      Was this review helpful? 10
      , hooghly
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Okay"
      0.5 5.0/5 "Blown Away!"
      SBI has processed all things was very simple and after that executive came and finalized. I am not happy with the credit limit which i got very less , need to increase the credit limit. Annual charges are Rs. 499 within 2 months if i spend Rs.20k i will be getting 500rs as a reward points. That points can convert as a cash back i use to pay my bills, if i spend RS. 1L in a year from the 2nd year onward its a free card.
      Was this review helpful? 13
      , kochi
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Okay"
      0.5 3.5/5 "Pretty good"
      I have applied SBI credit card through online channel and the customer service was average. Documents collected by executive and about credit limit i am not happy they committed Rs. 3L, but they given only Rs. 75K need to increase the credit limit.
      Was this review helpful? 20
      , mumbai
      Reviewed on Mar 20, 2020
    • SBI Cards
      "OK credit"
      0.5 3.0/5 "Satisfactory"
      Am using SBI credit card for two months, its a chargeable card of Rs. 500 but the bank charge me more than that along with GST, the credit limit is 37000 rupees which was not sufficient .The card have a rewards points but I have not check. I have just activated the mobile banking and have not used it for now. I wish the bank can increase the credit limit of the card.
      Was this review helpful? 16
      , pune
      Reviewed on Mar 20, 2020
    • SBI Cards
      "Best card"
      0.5 4.0/5 "Great!"
      The bank agent called me and told to apply credit card from SBI. I have been using the card for two months but I am not happy with the credit limit because it is only for 39,000 as i am expecting credit limit of more than 1L ,the card have some reward points but there is no offer is available in the card. I would like to give some suggestion to the bank to give transaction facility to credit card like the debit card which I have.
      Was this review helpful? 45
      , patiala
      Reviewed on Mar 20, 2020
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