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Reward Rates:

  • 3.75%

    Earn 15 points on air india flight booking for primary cardholder.

  • 1.25%

    Earn 5 points on air india flight booking for others.

  • 0.50%

    Earn 2 points on other spend.

Introductry Benefits
Rs. 1250/-
Joining Fee
Rs. 1499/-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. 500/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 3,750 on spending Rs. 2 Lacs or above annually.

Reward Rates:

  • 7.5%

    Earn 30 points on air india flight booking for primary cardholder.

  • 2.5%

    Earn 10 points on air india flight booking for others

  • 1%

    Earn 4 points on other spend.

Introductry Benefits
Rs. 5000/-
Joining Fee
Rs. 4999/-
Annual Fee
Rs. 4999/-
Annual Rewards
Rs. 1250/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 25,000 on spending Rs. 5 Lacs or above annually.

Reward Rates:

  • 3.25%

    Earn 13 points at BPCL Petrol pumps on fuel purchase.

  • 1.25%

    Earn 5 Points on Grocery, Department stores, moving, dining and utility bills.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 5%

    Earn 20 Points on purchase at Central Stores.

  • 2.5%

    Earn 10 Points on Dining & Movies.

  • 0.50%

    Earn 2 Points on regular purchase.

Introductry Benefits
Rs. 3000/-
Joining Fee
Rs. 2999/-
Annual Fee
Rs. 2999/-
Annual Rewards
Rs. 0/-

Discount on Movie Tickets

Save Rs. 500 each months on movie tickets.

Complimentary Gift Coupons

Get complimentary m-coupons worth Rs. 500 each for first 3 months.

Reward Rates:

  • 2.5%

    Earn 10 Points on purchase at Central Stores.

  • 1.25%

    Earn 10 Points on Dining & Movies.

  • 0.25%

    Earn 1 Point on regular purchase.

Introductry Benefits
Rs. 750/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 750/-
Annual Rewards
Rs. 0/-

Complimentary Gift Coupons

Get complimentary m-coupons worth Rs. 250 each for first 3 months.

Reward Rates:

  • 2.50%

    Earn 10 Points on Big Bazaar, Standalone Fbb and Food Bazaar outlets, and dining.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 500/-

Discount on Shopping

Save 10% at Fbb website and stores, and Big Bazaar Stores.

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 10%

    Earn upto 12.5 points railway bookings

  • 0.80%

    Earn 1 points on regular purchase.

Introductry Benefits
Rs. 87.5/-
Joining Fee
Rs. 300/-
Annual Fee
Rs. 300/-
Annual Rewards
Rs. 0/-

Railway Surcharge Waiver

Save railway surcharge waiver of 1.8% on ticket bookings at IRCTC portal.

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 2.5%

    Earn 10 Points on Auto-top up, Dining, Movies, Grocery and Departmental store purchases.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 550/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Get annual fee waiver on spending Rs. 1 Lac annually.

Auto Top-up Facility

Your card get instantly Rs. 200 top-up if the minimum balance reaches Rs. 50.

Reward Rates:

  • 2.5%

    Earn 10 Points on Dining, Departmental and Grocery stores.

  • 1%

    Save 1% on Fuel Surcharge.

  • 0.50%

    Earn 10 Points on other purchase.

Introductry Benefits
Rs. 5000/-
Joining Fee
Rs. 4999/-
Annual Fee
Rs. 4999/-
Annual Rewards
Rs. 0/-

Discount on Movie Tickets

Save Rs. 500 each months on movie tickets.

Airport Lounge Access

Complimentary Priority Pass Membership along with VISA domestic lounge access.

Reward Rates:

  • 5%

    Earn 20 Points on Utility Bill Payments through SI.

  • 3.75%

    Earn 15 Points on purchase at BigBasket.

  • 2.75%

    Earn 10 Points on Movies, Dining, Groceries, and Departmental stores purchases.

  • 0.50%

    Earn 2 Points on other purchases.

Introductry Benefits
Rs. 3000/-
Joining Fee
Rs. 2999/-
Annual Fee
Rs. 2999/-
Annual Rewards
Rs. 0/-

Complimentary Memeberships

Earn rewards points with complimentary Trident Privilege Red Tier Membership and Air Vistara Silver Tier Membership.

Complimentary Lounge Access

Get complimentary Priority Pass Membership along with VISA / Mastercard Domestic Lounge Access.

Reward Rates:

  • 2.50%

    Earn 10 Points with Online Partner Brands.

  • 1.25%

    Earn 5 Points on Other Online purchases.

  • 0.25%

    Earn 1 Point on Other purchases.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Milestone Rewards

Earn vouchers worth upto Rs. 4,000 on spending Rs. 1 Lac or above annually.

Annual Fee Waiver

Earn back your annual fee on spending Rs. 1 Lac or above annually.

Reward Rates:

  • 2.5%

    Earn 10 Points on Movies, Dining, Groceries, and Departmental stores purchases.

  • 0.25%

    Earn 1 Point on Other purchases.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Earn back your annual fee on spending Rs. 1 Lac annually.

If you are a SBI customer, if you have savings account or a salary account already with the bank, chances are that your application would be approved instantly. SBI besides offering benefits to its existing customers offers a rewarding card for almost every lifestyle and spending behaviour.

Top Picks


Best For Card Name
Fuel BPCL SBI Card
Travel Yatra SBI Card
Family SBI Card PRIME, SBI SimplySave Card
Premium SBI Card ELITE
Frequent Spenders SBI SimplyClick Card

Best SBI Lifestyle Card : SBI Card Elite


SBI card Elite offers Welcome gift Card worth Rs.5000 Redeemable of a retailer of your choice. You get 2 movie tickets free each month when booked through Bookmyshow.com, 5X rewards on spends at Grocery stores, Departmental stores and Dining and get 2 reward points per Rs 100 on all other spends. The card comes with premium membership and access for frequent travellers. You get complimentary Club Vistara, Trident Privilege and Priority Pass membership and access to Visa and MasterCard lounge available in metro city airports in India. International travellers also save on currency mark up charges of 1.99% as against 3.5% and an concierge service.

Benefits

SBI Card elite offers a host of premium benefits for frequent flyers including free priority pass membership, free domestic and international lounge access, Low forex markup charges that are worth far more than annual fee.

It offers a low travel markup fee of 1.99% as against 3.5% on all other SBI Cards, which means if you spend around 3,25,00 every year on foreign currency purchases if pays for the annual fee.

SBI Card Elite offers premium benefits and great value for money for high spending individuals. You Get free movie ticket worth Rs. 6000 against a renewal fee of Rs. 4999.

Drawbacks

The annual fee is steep, making the card useful only if you enjoy it’s premium benefits.

Moreover, there’s no additional reward points on travel related spendings.

Bottom Line

SBI Card Elite offers a host of benefits for premium spenders like lounge access on all major airports in India and abroad and concierge services; However, you may still get value for money if you watch one movie each month but you will miss on a host of everyday value that other SBI Card offer like 10X rewards points on dining, grocery stores and department stores.

Best SBI Cards for Family: SBI Card Prime


Benefits

SBI Card Prime offers a generous rewards on Utility Bill Payments, Dining, Groceries, Departmental stores and Movies making it the best card for families.

SBI card offers a host of benefits like Trident Privilege membership, Club Vistara Membership, 4 international and 8 domestic lounge access complimentary each year.

Drawbacks

The renewal fee applicable on SBI Card Prime is high.

Bottom Line

Large families will appreciate it’s high reward points on utility bills, Movies, Dining, Grocery and Department store and fuel spends. But if you don’t spend enough in those categories then you might pass on to another card because of it’s high renewal fee.

Best SBI Cards for Family Runner’s up: SBI SimplySave Card


Benefits

SBI Simply Save Credit Card offers generous rewards points on Movies, Groceries, Department Stores and Dining spends.

Additionally, the low Renewal fee and easily accessible milestone benefits makes it more beneficial.

Drawbacks

The reward rate is quite low since the cardholder only gets 1 for every Rs 100 spent on the card.

Moreover, you won’t get any reward points on your card spendings against utility bill payment unlike SBI Card Prime.

Bottom Line

SBI Card Prime offers generous rewards on Movies, Groceries, Department Stores and Dining spends; However, if you spend 20,000 each month on your card you might enjoy the extra benefits that comes with SBI Card Prime 20x reward points on utility bills, international and domestic lounge access and host of premium memberships.

Best SBI Card for Travel: Yatra SBI Card


Benefits

Generous Welcome gift vouchers of Rs 8250 redeemable at yatra.com, though you might not be able to use all before they reach their expiry.

Discount of Rs 1000 off on domestic and Rs 4000 on international flights.

Additionally, 20% off on Domestic hotel bookings.

Drawbacks

You might get better discounts on hotel bookings without the card on yatra.com.

20% off on domestic hotels is only applicable on selected hotels.

Bottom Line

Yatra SBI Card is a must have for domestic travellers. Even If you don’t use the card frequently, you might save a lot by using it a few times on the website and additional benefits are worth far more than the fee.

Best SBI Card for Fuel: BPCL SBI Card


Benefits

2,000 Welcome Bonus Reward Points worth Rs. 500.

13 Reward Points on purchasing fuel products at BPCL Petrol Pumps. You can redeem reward points for purchasing fuel and will get BPCL fuel vouchers. Multiple Fuel vouchers can be clubbed together for a single transactions.

1 Reward Point on purchasing Non-Fuel products and 5 Reward Points on Groceries, Departmental stores, Movies & Dining. Also, you earn 5 Reward Points against utility bill payment using Standing Instructions.

Drawbacks

The BPCL Fuel Voucher that you’ll get when redeeming reward points for fuel purchase, is redeemable only at selected BPCL outlets and have a validity period of 6 months from the date of issue.

Fuel transactions are limited to Rs. 10,000 in a month.

Bottom Line

The card offer good value against fuel products. However, if you are looking for more than just a fuel credit card, then it's not a good choice.

Best SBI Card for Frequent Shoppers: SBI SimplyClick Card


Benefits

Welcome gift of Amazon.in Gift Voucher of Rs. 500.

Earn 10X Reward Points on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap.

Earn 5X rewards on all other online spends and 1 reward point per Rs.100 on all other offline spends.

Drawbacks

Your credit card should be in a good standing to be eligible for Welcome Gift voucher. If your card got suspended for any reason, got blocked due to theft/lost or got inactive during this period, you won’t be eligible for the welcome gift voucher in this circumstances.

Bottom Line

The card proves to be good value for the money spent, especially when it comes to online shopping. However, if you shop less, then it could be difficult to earn the benefits even equivalent of your card fee. Hence, only go for it if you frequently shop online.

SBI Credit Card Eligibility


Eligibility Criteria
Income Rs. 80,000 per annum
For Salaried
Rs. 1.2 Lacs per annum
For Self-Employed
Minimum Rs. 20,000 Deposit/PPF
For Non-Incomers
Age 21 to 60
For Primary Cardholder
18 Year
For Add-on Cardholder
  • MMinimum net annual salary of a Salaried Applicant should be Rs. 80,000 and Rs. 1.20 Lacs in case of Self-Employed Applicant.
  • A Non-Income applicant should have Fixed Deposit (FD) or Public Provident Fund (PPF) of minimum Rs. 20,000.
  • Minimum age of the applicant should be between 21 Years to 60 Years.
  • Minimum age of Add-on Cardholder should be 18 years.
  • A Salaried person must have a Salary or Saving account.

SBI Credit Card Documentation


  • One recent self-attested passport size photograph.
  • Identity Proof: Voter ID Card / Aadhaar Card / PAN Card / Passport / Driving License.
  • Address Proof: Utility Bill (not more than 2 months old) / Voter ID Card / Aadhaar Card / Driving License.
  • Income Proof: 3 Months Statement of Salary Account / Last Year ITR. If salary is not eligible for income tax, then Form 16 would be required alongside the monthly statement of salary account.
  • Latest Property or Municipal Tax receipt
  • Latest Bank account or Post Office savings bank account statement.
  • Pension or family pension payment orders (PPOs) in case of Retired Employees by Government Departments or Public Sector Undertakings, if they contain the address.

SBI Credit Card Bill Payment


SBI have provided various methods to Cardholders to pay their credit card bills on time and save the hustle. Below are the different ways to pay your SBI Credit Card Bill Online.

Paying SBI Credit Card Bill Online using National Electronic Funds Transfer (NEFT).

  • Log in to the net banking facility of your bank. Add SBI Card as a beneficiary, under third party transfer.
  • Add the IFSC code SBIN00CARDS for making SBI Card payment.
  • Enter your 16-digit SBI Card number in place of account number on the banking page.
  • Fill Bank name as SBI CREDIT CARD - NEFT
  • Fill Bank Address as PAYMENT SYSTEMS GROUP, STATE BANK GITC, CBD BELAPUR, NAVI MUMBAI.
  • Click Submit button to complete your registration process.

Note: Payment will reflect within 3 banking hours in your SBI Credit Card account. Payments made till 3:30 pm via NEFT payment mode, will get credited within 3 banking hours, same day.

Paying SBI Credit Card Bill Online using Paynet-Pay Online.

  • Log in to sbicard.com using your SBI Card online user ID and password
  • Click on ‘Pay now’ on the Dashboard page
  • Select the amount you wish to make the payment
  • Select the mode of payment and the Bank name from the drop down menu
  • Confirm the details and be securely redirected to your bank’s payment interface to authorise the payment. Your account will get debited online and you will receive an online transaction confirmation with a Transaction Reference Number which will also be sent on your registered mobile no. and e-mail id.

Note: Payment will reflect within 2 working days in your SBI credit card account.

Paying SBI Credit Card Bill Online using Paynet-Pay Online without Logging into your SBI Card Online Account.

  • Click here to proceed to Paynet-Pay Online. Enter details of the SBI Card number, Email ID, phone number and the amount you wish to pay
  • Select ‘Net Banking’, choose the bank account you wish to debit. You will be securely redirected to the bank payment interface of your chosen net banking option
  • Enter your net banking authentication details, i.e. user ID password, etc.
  • Confirm the amount to be paid. Your account will get debited online and you will receive an online transaction confirmation with a Transaction Reference Number.

Note: You will also receive an Email acknowledgement of your transaction on the e-mail ID provided by you. Payment will reflect instantly on your SBI Credit Card account.

Paying SBI Credit Card Bill Online using Visa Credit Card Pay.

  • Log in to the net banking page of your bank with your user ID and password
  • Go to the ‘Third Party Funds Transfer’ section and select ‘Visa Credit Card Pay’
  • Fill in the sender and recipient details to initiate fund transfer.
  • After entering the details, click on ‘Confirm’ transaction.

Note:Once you confirm the transaction, the amount will be debited from your account and the payment will be scheduled to your card. Payment will reflect within 3 working days in your SBI Credit Card account.

Paying SBI Credit Card Bill Online through OnlineSBI.com.

  • Login to Onlinesbi.com, using your net banking user ID and password.
  • Click on Bill Payments section.
  • Click on View/Pay Bills section and go to Without Bills.
  • Select SBI Card as the biller and click on Pay.
  • Choose the SBI account number from which you want to make the payment.
  • Enter payment amount and click on Pay Now.
  • Click on Submit to confirm your transaction and follow the instructions.

Payment will reflect instantly on your SBI Credit Card account. Please note your reference number for future enquiries.

Click here to know more about how to pay your sbi credit card bills.

How To Apply for an SBI Credit Card?


  • Choose a SBI Credit Card that is suitable to your requirements.
  • Click on Apply and fill the Online Application Form. You’ll be asked to provide the details for your Address, Contact, Income, Employer Details, Educational Qualifications.
  • Once the application form is submitted successfully, you will then receive confirmation that SBI have received your application.
  • You will need to send your documents to SBI to prove your legal status and identity.

If your application got rejected for any reason, you should be able to apply after 3 months of your previous application. There are some exceptional circumstances in which SBI may not allow you to re-apply for a longer period.

FAQs


Within what time will I get the items redeemed against the rewards points?

Reward products can have different time depending upon the Offer provider. For E Vouchers, delivery can take between 3 to 10 working days and for Reward Catalogue Products, it can take between 15 to 30 days to deliver the product.

How can I check my reward points summary?

You can check the reward points summary in the following ways –

  • By referring your latest credit card statement or
  • By sending an SMS -REWARDS XXXX (where XXXX stands for the last 4 digits of your card number) to 5676791 from your registered mobile number
  • By logging in to sbicard.com > Dashboard > at the bottom, the rewards points summary & expiring rewards points are displayed.
  • By login SBI Card mobile app.

What are the charges of redemption fee on SBI Card?

SBI charges a fee of Rs. 99 plus applicable taxes per transaction on your SBI Credit Card account against redemption.

Do the Reward Points accrued on my card expire?

The Reward Points accumulated on your SBI Credit Card account expires after the 24 months from the date of accrual. Any points not redeemed by the end of the stipulated 24 months from the date of accrual will lapse.

You can know the number of Reward Points that are expiring in a particular month by logging on to sbicard.com or SBI mobile app. This information is also mentioned in your monthly statement.

How can I view the status of my previous orders?

You can view the status of your requests for the redeemed reward via the Track your Request link under online reward redemption. Alternatively, you can email to SBI Card Service or call SBI Card Helpline at 1800-180-1290 (Toll-Free) or 3902-0202 (please prefix the STD code of your city) for assistance.

For how long is the gift voucher valid?

The validity of the gift voucher varies depending upon the offer expiry date. However, each voucher is validated for at least 3 months. The issue date, validity and expiry date will be printed on the voucher.

What is points + pay option?

SBI offers its cardholders an option called Points + Pay that gives you the freedom to redeem your Reward Points partly through the usual redemption of Reward Points and partly through the balance on your Credit Card.

Are there any charges associated with the reward point redemption process?

A rewards redemption fee of ₹99 plus applicable taxes is debited from your SBI Card account for each redemption request towards delivery and processing charges. Please note, the reward redemption fee + Applicable Taxes would be charged only once in 24 hours irrespective of no. of items redeemed during this period. There are no other charges associated with reward redemption.

Can I pay my SBI Card outstanding using my Reward Points?

Yes. You can settle your outstanding amount through your Reward Points in the multiples of 2,000 for the same.