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SBI Credit Card
SBI credit card benefits are adding value to banking, be it for reward points, travel insurance, or welcome perks, the features will help you get more in your hands.
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Credit Card
Upgrade the Way You Have Been Living
People have become more aware of their spending. With credit cards, the charges are already high, so why pay even more? SBI credit card benefits are adding value to banking and shopping. Be it for reward points, travel insurance, or welcome perks, the features will help you get more in your hands.
A Credit Card for Every Need
Meet SBI Bank's new range of credit cards that have plenty of attractive and tempting benefits.
SBI Elite Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs. 4999+Taxes
Annual Charge
Rs. 4999+Taxes
Features
Offers for First Time Card Holders
- Welcome e- Gift Voucher worth Rs. 5,000
- Free Movie Tickets worth Rs. 6,000 every year
- Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
- Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends
- 6 complimentary Airport Lounge visits per calendar year, internationally
- Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
- Enjoy complimentary Trident Privilege Red Tier membership
Eligibility:
Salaried:
- Minimum age of the applicant must be between 21 to 65
- Minimum income of the applicant must be Rs. 60,000 p.m
Air India SBI Signature Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs. 4999+Taxes
Annual Charge
Rs. 4999+Taxes
Features
- 20,000 Reward Points as Welcome Gift
- Card Anniversary gift of 5,000 Reward Points every year
- Upto 30 Reward Points for every Rs. 100 spent on Air India tickets
- Up to 1,00,000 Bonus Reward Points on annual spends of Rs. 5 lahks & above
- Enjoy the complimentary Visa Lounge Access Program in India at major domestic airports
Fees & Charges applicable
- Annual Card Membership fee – Rs. 4999+Taxes
Eligibility:
- You must be an Indian citizen.
- The age of primary credit cardholder must be above 18 years of age.
- The applicant must have a stable source of income and a high credit score
SBI Card PRIME
Reward Type
Cashback and Reward
Joining Fee
Rs. 2999+Taxes
Annual Charge
Rs. 2999+Taxes
Features
- Welcome Gift voucher worth Rs.3,000 Pizza Hut voucher worth Rs.1,000 on purchases worth more than Rs.50,000 in a quarter
- Gift vouchers from Pantaloons or Yatra worth Rs.7,000, on spending Rs.5 lakh or more in a year
- Instant discount of 10% on bookings made through the hotel website
- 10 points on spending every Rs.100 on the card at all participating hotels
- free international lounge visits and 8 free domestic lounge visits in a year
Eligibility:
Salaried:
- You must be between 18 - 70 years of age.
- Add-on credit cardholders must be above 15 years.
- The applicant can be a resident as well as a non-resident of India.
- The primary cardholder must have a stable source of income
BPCL SBI Card Octane
Reward Type
Cashback and Reward
Joining Fee
Rs. 1499
Annual Charge
Rs. 1499
Eligibility
- The age of the primary applicant must be more than 18 years
- Applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Features :
- Welcome benefit of 6,000 reward points on paying the annual fee
- Enjoy a Value back of 7.25% on fuel purchases at BPCL petrol pumps.
- Get up to 25x reward points on fuel purchases at BPCL petrol pumps
- Get 10 reward points on every Rs.100 spent on dining, movie, grocery, and departmental stores.
- Avail 25 reward points for every Rs.100 spent on fuel at BPCL petrol pumps all over the country
- Get 4 complimentary lounge visits at domestic airports per year
IRCTC SBI Card Premier
Reward Type
Cashback and Reward
Joining Fee
Rs. 1499
Annual Charge
Rs 1499
Features
- 10%* back as Reward Points for railway ticket purchases
- Welcome benefit worth INR 2000*
- Milestone benefits worth INR 7500 on annual travel spends
- Zero payment gateway charges on railway and Airline booking on irctc.co.in*
- Exclusive benefits across 900 luxury hotels worldwide
- Up to 10,000 miles per night on hotel stay plus 25% extra miles on Kaligo.com
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Club Vistara SBI Card
Reward Type
Cashback and Reward
Joining Fee
Rs. 1499 + applicable taxes
Annual Charge
Rs. 1499 + applicable taxes
Features
- Welcome Economy ticket voucher for Vistara’s domestic network
- Up to 3 Economy ticket vouchers & 1 Hotel Voucher worth Rs 5,000 on achieving milestone spends of Rs 5 lakhs
- Up to 4 free flight cancellations on Vistara flight booking
- Enjoy a Discount of up to 50% in the Destination Programs in Macau, Japan, Korea, and Singapore.
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
SBI SimplyCLICK Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs.499
Annual Charge
Rs.499
Features
- 10x reward points on shopping at exclusive online partners Cleartrip, Bookmyshow, EazyDiner, Netmeds, and Apollo 24/7
- Receive a 1% fuel surcharge waiver on every fuel transaction between the amounts of Rs.500 and Rs.3,000
- Any purchase above Rs.2,500 can be converted into an EMI purchase with the Flexipay option.
- Annual fee waiver on yearly spends of 1 lakh in the previous year
Eligibility:
- The eligibility of the applicant is based on the applicant’s declared income and employment, among other factors.
SBI SimplySAVE Credit Card
Reward Type
Cashback and Reward
Joining Fee
Rs 499
Annual Charge
Rs 499
Features
- 2,000 bonus reward points on spends of Rs. 2,000 in first 60 days
- Enjoy 10 Reward Points per Rs.150 spent on Dining, Movies, Departmental Stores and Grocery Spends
- Annual fees reversal on spends of Rs. 1,00,000 and above
- 1% fuel surcharge waiver across all petrol pumps
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Cashback SBI Card
Reward Type
Cashback and Reward
Joining Fee
Rs. Rs. 999 (one-time)
Annual Charge
Rs. 999 (from second year onwards)
Features
- 5% cashback on every* online spend without any merchant restriction
- 1% cashback on all* offline spends and utility bill payments
- Card Cashback will be auto-credited to your SBI Card account within two days of your next statement
- Reversal of Renewal Fee on annual spends of Rs.2 Lakh
- 4 complimentary Domestic Airport Lounge visits in a year
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Yatra SBI Card
Reward Type
Cashback and Reward
Joining Fee
Rs. 499+ applicable taxes
Annual Charge
Rs. 499+ applicable taxes
Features
- Welcome Gift Vouchers worth Rs. 8250
- Rs. 1,000 Off *on Domestic Airfare.
- Rs. 4,000 Off* on International Flight Booking.
- 20% Off* on Domestic Hotel Bookings
- Get Yatra.com vouchers worth Rs. 8,250 on joining
- 6 Reward Points on every Rs. 100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Nature’s Basket SBI Card
Reward Type
Cashback and Reward
Joining Fee
INR 1499 + Applicable Taxes
Annual Charge
INR 1499 + Applicable Taxes
Features
- Nature’s Basket GV’s worth INR 1500/- as Welcome Gift.
- Get 10 Reward Points at Nature’s Basket
- Get 5 Reward Points for Dining, Movies, Entertainment, and International Spending
- Gift vouchers of premium brands worth Rs.3000 on annual spends of 3 Lac
- Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
FBB SBI STYLEUP Card
Reward Type
Cashback and Reward
Joining Fee
Rs. 499
Annual Charge
Rs. 499
Features
- Flat 10% Discount on all Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at fbbonline.in, fbb and Big Bazaar Stores
- 10X Reward Points on Big Bazaar, fbb & Dining spend
- Welcome gift of Rs. 500 worth fbb gift voucher
- 2000 Reward points on Card Anniversary
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
SBI Card UNNATI
Reward Type
Cashback and Reward
Joining Fee
NIL
Annual Charge
Rs. 499 (waived off for first 4 years)
Features
- Get 1 Reward Point per Rs 100 spent
- Receive Rs 500 Cashback, within 15 days of achieving annual spending of Rs 50,000 or more
- 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
- SBI Card Unnati is free for first 4 years
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
SBI Card PULSE
Reward Type
Cashback and Reward
Joining Fee
Rs. 1499 + taxes
Annual Charge
Rs. 1499 + taxes
Features
- Noise ColorFit Pulse 2 Max Smartwatch worth Rs. 5,999 on payment of joining fees
- 12 Month Membership for FITPASS and Netmeds First Pass on payment of joining fee and card activation
- Enjoy 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining, and Movies spends
- 5X Reward Points on Chemist, Pharmacy, Dining, and Movie Spends
- Complimentary 8 Domestic Lounge visits (Restricted to 2 per quarter)
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
SBI Card ELITE Advantage
Reward Type
Cashback and Reward
Joining Fee
Rs. 4,999
Annual Charge
Rs. 4,999
Features
- Welcome e-Gift Voucher worth Rs. 5,000 on joining
- Get free movie tickets worth Rs. 6,000 every year
- Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/year
- Complimentary membership to Club Vistara and Trident Privilege program
Eligibility:
- Age of the primary applicant must be between 18 to 60 years
- Primary applicant must have a stable source of income
- Applicant must be a citizen of India
- The primary cardholder must be salaried or self-employed
Credit Card
Your Path to Your Dream Credit Card Got Easier
Visit Our Website
For the first step, you will have to visit our website to explore the options that fit your needs.
Select and Apply
Once you shortlist the credit card you have been looking for, apply for it, and proceed with the further process.
Submit Your Document
One of the most important steps. Now you will have to submit all the required documents digitally.
Enjoy Your Credit Card!
Once your application gets approved based on your eligibility, you will be having your Credit Card in hand.
Credit Card
Features & Benefits of the Best SBI Credit Cards
SBI SimplyClick 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 BPCL Credit Card
- Earn up to 50 Liters of Free fuel annually.
- Earn 1 Fuel Point for every Rs. 150 spent on all other purchases.
- Enjoy 1% Fuel Surcharge waiver.
- Indian Oil fuel outlets can reward you with 5% of your purchases for earning fuel points.
- You can earn 5% of your grocery shopping at grocery stores and fuel with fuel points.
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 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 Prime Credit Card
- 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.
BPCL SBI Credit Card Octane
- 6000 Reward Points as a Welcome benefit worth INR 1500.
- Get 25X Reward Points on BPCL Fuel, Lubricants & Bharat Gas spends.
- Get 10X Reward Points on Departmental & Grocery, Movies & Dining Spends.
- Enjoy 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spends
- Enjoy 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery & Movies (Up to 7500 Reward Points per month)
- Enjoy freedom from paying the 1% fuel surcharge across all BPCL petrol pumps in India, on transactions up to Rs. 4,000, exclusive of GST and other charges
- Maximum fuel surcharge waiver of Rs. 100 per statement cycle per credit card account, which is equivalent to an Annual Savings of Rs.1200
Required Documents for SBI Credit Card
PAN Card
Aadhaar Card
Driving Licence
Voter ID
Passport
Registered rent agreement
Current passport size photograph
Salaried income documents
Self Employed person documents
Salaried income documents
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Last 3 months' salary slip
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Form 16 of last 2 years
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Income Tax Return if any of last 2 Years
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Last 3 months' bank statement if the salary directly credited in the bank account
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Certificate of employment from current employer
Self Employed person documents
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Income tax returns of previous 2 years
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Statement of finances with a proper balance sheet with profit and loss in that sheet
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Bank statement with continuity of business
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GST registration evidence of business
Card to Card Documents
The documents required for a card-to-card application vary, but common documents include:
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Government Issued Photo ID
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Proof of Residency
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Proof of Income
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Applcation Form
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Authorization to run a Credit Check (if required)
Note : SBI may ask for additional documents based on the applicant’s profile. The above list is for reference purposes only.
How to Apply SBI Credit Card
The process of applying for a Credit card can be really daunting sometimes but with ReferLoan you can make the process easy and quick.
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Visit the website of ReferLoan
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There you can find the list of credit cards on the top.
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Choose an SBI card and click on the ‘Check Eligibility’ button
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You will be prompted with a list of questions
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If you’re eligible for the card, you will be redirected to the online application page.
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Fill in all the required fields on the page before clicking on ‘Submit’
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You will then be asked to upload the documents – do the same and click on ‘Submit’
SBI Credit Card Login for Net Banking
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Enter your Customer ID, Mobile No or Card Details.
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Fill in your NetBanking Password
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Click on "Register Online
In Case of Any Query
SBI Card, 3rd floor,
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10 Best SBI Credit Cards in 2023
| Card | Annual Fee/Rs. | Best Suited For |
|---|---|---|
| SimplyCLICK SBI Card | 499/- | Online Shopping |
| SimplySAVE SBI Card | 499/- | Everyday Shopping |
| Yatra SBI Card | 499/- | Travel |
| FBB SBI STYLEUP Card | 499/- | Co-Branded Shopping |
| BPCL SBI Card | 499/- | Fuel |
| IRCTC SBI Platinum Card | 500/- | Co-Branded Travel |
| Air India SBI Platinum Card | 1,499/- | Travel |
| SBI Card PRIME | 2,999/- | Premium & Lifestyle |
| SBI Card ELITE | 4,999/- | Premium & Lifestyle |
| Air India SBI Signature Card | 4,999/- | Premium & Lifestyle |
Additional Fees and Charges for SBI Cards
| Type of Fees | Charges |
|---|---|
| The charge for credit card financing | For every single unsecured SBI Credit Card (apart from Shaurya), the interest rate is 3.5%. |
| Each month, the minimum due amount. | 5% of the sum of the outstanding balance or Rs.200 plus taxes, whatever is greater. |
| Interest Fee Period | 20-50 Day |
| Cash advance finance charge | A charge of 2.5% or Rs.500 is charged for domestic cash withdrawals. |
| Statement Retrieval | For statements older than two months, the fee is Rs.100/statement. |
| Over Limit Fee | 2.5 % |
| Domestic Card Replacement Fee | Rs. 100-250/- |
Late Payment Fee
| Outstanding Amount/Rs. | Fee |
|---|---|
| Up to 500/- | NIL |
| 501-1000/- | 400/- |
| 1,001-10,000/- | 750/- |
| 10,001-25,000/- | 950/- |
| 25001-50,000/- | 1,100 |
More than Rs. 50,000/- has to pay Rs. 1,300
The documents needed for applying
| Identity Proof | Aadhaar Card, PAN Card, Voter’s ID Card, Driving Licence |
|---|---|
| Ration Card | Passport |
| Residential Proof | Aadhaar Card Rental Agreement, Passport, Ration Card, Utility Bill, Telephone Bill |
| Income-proof of Salaried Person | Employment/Appointment Letter, Current Pay Slip, Salary Certificate |
| Income Proof of Self-Employed Person | Latest ITR Files, Business Financial Statement, Audit Report/ Balance Sheet/ Loss Statement |
Online SBI Credit Card Application Procedure
You can submit an application for a credit card online by visiting the SBI's official webpage. SBI presents online applications for almost all of their credit cards.
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Go to the authorised SBI web page.
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Place your mouse cursor on the credit card options and press the "Help Me Find a Card" button.
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Use the Simplyfier feature in order to identify the suitable card for yourself.
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Review the card's advantages and specifications.
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Tap the "Apply" button.
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Fill in all the required fields on the page before clicking on ‘Submit’
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Afterwards, an SBI representative will get in touch with you to discuss the details of your request.
How Can I Track My Application Status?
In case you have requested a credit card by using the SBI web page, you are capable of monitoring the progress of the request you made.
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Go to the SBI web page and log in with your username and password.
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The "Track My Application" option will be found beneath the "Apply" button.
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Type in your application ID or reference code to obtain more information.
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To track the status of your application, enter your birth date.
FREQUENTLY ASKED QUESTIONS
Yes, SBI Card has an app called SBI Card, which is available on 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, a few SBI credit cards allow you to pay off your balance with reward points. SBI Card Prime, SBI Card Elite, and SBI Simply SAVE Advantage, for example, will enable you to redeem reward points against outstanding card balances. You can redeem Rs.1 for every four reward points on these cards.
For applying for an SBI credit card, you should earn a minimum of Rs. 18,000 monthly. However, the higher the wage, the more premium the card is. The customer is always requested to show proof of income while applying for the card.
The bank may take up to 21 days to complete your SBI credit card application after you submit it, together with the relevant documents. 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.
You can use your SBI 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. Accepting a cash advance will result in a monthly finance charge of up to 3.35 percent.
If you are traveling overseas, you must first go to the Main menu in the SBI credit card application, click on “services,” and then click on “manage card usage” under that column, select the transaction type of the SBI credit card from Domestic to International.
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