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The State Bank of India offers a variety of credit cards, each carefully tailored to meet the financial demands of users. SBI credit cards have various advantages, including minimal interest charges and an attractive rewards program.

List of Top 6 SBI Credit Cards In India 2022

Credit Card Annual Fee (in Rs.) Best Suited For
SBI SimplyClick Card 499+GST Shopping
BPCL SBI Credit Card 499+GST Oil
SBI Elite Credit Card 4999+GST Shopping
Air India SBI Signature Credit Card – For Air India Loyalists 4999+GST Travel
SBI Prime Credit Card 2999+GST Shopping
BPCL SBI Credit Card Octane 1499+GST Oil

Features and Benefits of the Best SBI Credit Cards

SBI SimplyClick Card

  • 10x Reward Points on selected merchant websites such as Amazon, BookMyShow, Cleartrip, Lenskart, and Netmeds when you shop online.
  • Other online purchases earn you 5x Reward Points.
  • On a total annual online spend of Rs.1 lakh and Rs.2 lakh, you will receive an Rs.2,000 online coupon.
  • For a yearly spend of Rs.1 lakh, the annual fee has been reversed.
    SBI BPCL card
  • On fuel purchases made at any BPCL pump, you will receive 4.25 percent back (equal to 13x Reward Points).
  • Fuel fee waiver of 3.25 percent + 1% for all fuel purchases up to Rs.4,000.
  • Every Rs.100 spent on supermarket, departmental, eating, and movie purchases earn you 5x Reward Points.
  • Fuel surcharges of up to Rs.100 per month are waived.
    SBI Elite Credit Card
  • Each year, you can earn up to 50,000 Bonus Reward Points.
  • Earn 10 points for every Rs.100 spent on dining, departmental shopping, and groceries.
  • For every Rs.100 spent on other expenses, you will receive 2 Reward Points.
  • A low 1.99 percent foreign currency mark-up charge.
    Air India SBI Signature Credit Card – For Air India Loyalists
  • For every Rs.100 spent on Air India tickets booked through the website or mobile app, you can earn up to 30 Reward Points.
  • For every Rs.100 spent with this card, you will get 4 reward points.
  • Annual bonus Reward Points of up to 1 lakh.
  • 1 point = 1 mile.

SBI Card Prime

  • For every Rs.100 spent on utility bill auto payment, you will receive 20 Reward Points.
  • For every Rs.100 spent on movies, grocery, eating, and department store purchases, you will receive 10 Reward Points.
  • Annual fees are waived if you spend at least Rs.3 lakh in a year.
  • Complimentary Red Tier membership with Trident Privilege.

SBI Credit Card Overview

Individual users can choose from a variety of credit cards offered by the State Bank of India. Travel, shopping, dining, and other activities are all rewarded with SBI cards. You can also get cashback and reduced interest rates, among other things. If you’re in the market for a new credit card, compare the features and perks of SBI cards to choose the one that’s right for you.

Key Features of SBI Cards

Premium cards, shopping and travel cards, classic cards, and special cards are all types of SBI cards. Free cinema tickets, concierge services, lounge access, debt transfer, flexi payment in EMIs, reward points, online bill payment, and many other benefits are available with each card.

Key Benefits of SBI Cards

SBI credit cards come with a variety of perks, including:

  • Save money on interest charges.
    You can transfer unpaid balances from other cards to your SBI Card at a reduced interest rate. You can avoid paying interest on multiple cards by using the balance transfer feature.
  • Bills are paid automatically.
    It’s simple to pay your utility bills with your credit card. Easy Bill Pay, an auto bill payment tool, allows you to make monthly payments on time. You can use this site to register and pay your utility bills, insurance fees, and telephone and energy bills.
  • Take out insurance to protect yourself.
    In the event of card loss, fraud, or theft, SBI, in collaboration with CCP, provides full protection. Emergency travel support, financial protection, free card replacement, and other benefits are available to cardholders.
  • Access to your account at your leisure
    You can get online access to your SBI card account or download the SBI Card mobile app. Make bill payments, check your balance, and more from anywhere at any time.
  • Funds to meet your immediate cash needs
    If you require additional funds for an emergency, your SBI card can be quite useful. You can obtain instant access to funds using the SBI Encash feature. With Encash, you can have a sum above or below your credit limit sent to your account within 48 hours. The funds can be repaid over a period of 12, 24, or 36 months.

Documents Required for Application

When applying for a credit card, you must provide documentation of your identity, address, and income. You can submit the following documentation to establish your eligibility. Keep in mind that this is not an exhaustive list, and the bank may request further documentation.

Identity Proof (anyone)

  • Ration card
  • Voter’s ID card
  • Passport
  • PAN card
  • Aadhaar card
  • Driving license

Address proof (anyone)   

  • 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 for SBI Credit Card Online

When applying for a credit card, you must provide documentation of your identity, address, and income. You can submit the following documentation to establish your eligibility. Keep in mind that this is not an exhaustive list, and the bank may request further documentation.

Identity Proof (anyone)

  • Ration card
  • Voter’s ID card
  • Passport
  • PAN card
  • Aadhaar card
  • Driving license

Address proof (anyone)   

  • 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

SBI Credit Card Bill Payment

SBI provides a number of options for paying your SBI credit card account on time. You can pay your bill online or in person, whichever is more convenient for you.

Online bill payment

You can pay your credit card bill online using any of the ways listed below.

  • Net banking (NEFT) — For payments from non-State Bank of India accounts. Use the SBIN00CARDS IFSC code.
  • Paynet-Pay Online — Use your bank’s net banking to make a payment on the SBI website.
  • Visa Credit Card Payment – Use your net banking account to pay your SBI Visa card bill.
  • SBI Online – Pay your dues by utilizing your SBI account to make payments on the SBI website.
  • Electronic Bill Payment (EBP) — State Bank of India, Citibank, Bank of India, and Indian Overseas Bank offer this online payment service through ATMs, mobile apps, and net banking.
  • NACH (National Automated Clearing House) – Your monthly dues will be taken directly from your account using this automated payment method.
  • SBI Auto Debt — With the auto debt option, you can pay your debts straight from your State Bank of India account.
  • Debit Card — You can use your debit card to make your monthly payment. SBI accepts debit cards from major financial institutions.

Payment via Mobile App

  • SBI App – Use the SBI mobile app to pay your credit card bill on the move.
  • Pay using YONO – SBI’s YONO app makes paying bills simple and quick. To make payments, you can use the YONO mobile app or the YONO website.
  • UPI Payment — To pay your card bill, use the BHIM SBI Pay app on your phone. UPI allows you to use your smartphone to transfer money from one account to another.

Offline Bill Payment

  • SBI ATM– Use your debit card to pay your monthly bill at any SBI ATM.
  • Electronic Drop Box – Drop your check-in an electronic drop box near you and receive an instant receipt.
  • Manual Drop Box – You can deposit your check in any of India’s drop boxes.
  • Payment at a State Bank of India branch – You can pay your card bill at any State Bank of India bank.

FAQ

Yes, SBI Card has its own app called SBI Card which is available on both Android and iOS. You can register and view your credit card account details, raise card-related requests, execute transactions, and place requests for other SBI products, among other things, once you download the app.

Not at all. However, there are a few SBI credit cards that allow you to pay off your balance with reward points. SBI Card Prime, SBI Card Elite, and SBI SimplySAVE Advantage, for example, allow you to redeem reward points against outstanding card balances. You can redeem Rs.1 for every 4 reward points on all of these cards.

Each SBI credit card has a different minimum wage requirement. The higher the wage requirement, the more premium the card is. Though SBI does not specify the income required to apply for a card on its website, we can deduce from its 'Simplyfier' tool that the minimum gross yearly income required is Rs.1 lakh, assuming no extra monthly deductions. Otherwise, it would be at least Rs. 2 lakh per annum.

The bank may take up to 21 days to complete your SBI credit card application after you submit it together with the relevant papers. It could take much longer if there are any missing documents or other difficulties with the application. Meanwhile, you can use SBI's 'Track Application' feature at www.sbicard.com/en/eapply.page#track-retrieve-form to track the status of your credit card application.

Yes, you can use your credit card to get a cash advance. Your card allows you to withdraw a limit of Rs.15,000 every day. Cash withdrawals are limited to 80 percent of your total SBI credit limit. Remember that accepting a cash advance will result in a monthly finance charge of up to 3.35 percent.

You must activate your card for international transactions before traveling abroad. To activate the foreign credit limit on your card, log in to your SBI account. ELA, the chatbot, can also assist you with activation.