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State Bank of India (SBI) is a leading public sector bank in India headquartered in Mumbai. The bank's products and services span retail banking, corporate banking, investment banking, and treasury & securities services. They serve nationally with over 22,000 branches, 62617 ATMs/ADWMs, 71,968 BC outlets across the country. State Bank of India (SBI) offers a wide range of credit cards tailored to fulfil various financial needs of its customers. From low finance charges to an excellent rewards program, SBI credit cards offer several benefits. Introduced in 1955, SBI cards give you privileges such as cashback, low-interest rates, and rewards on travel, shopping, dining, and more.

List of Top 6 SBI Credit Cards In India 2022

Credit Card Annual Fee* Category
SBI SimplyClick Card Rs. 499+GST Shopping
BPCL SBI Credit Card Rs. 499+GST Oil
SBI Elite Credit Card Rs. 4999+GST Shopping
Air India SBI Signature Credit Card Rs. 4999+GST Travel
SBI Prime Credit Card Rs. 2999+GST Shopping
BPCL SBI Credit Card Octane Rs. 1499+GST Oil

Features and 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.
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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.
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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.
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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.
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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.
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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
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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

Rent Agreement

Electricity Bill

Passport

Ration Card

Income proof for self-employed individuals

Ration Card

Voter’s ID Card

Passport

Income proof for salaried individuals

Ration Card

Voter’s ID Card

Passport

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.