Delhi/NCR

Mumbai

Bengaluru

Hyderabad

Your City

Other

SBI Credit Card

State Bank of India (SBI), one of the largest credit card providers in India, offers an extensive range of credit cards designed meticulously to suit everyone requirements. From low finance charges to an excellent reward program, SBI credit cards offer several benefits to its cardholders. Some of the best SBI Credit Cards in India 2020 are listed below:

Best SBI Credit Cards in India 2020

Name of the Card

Key Feature

Suitable For

Joining Fee

SimplyCLICK SBI Card

10X Reward Points on shopping with exclusive partners like Amazon and BookMyShow

Online shopping

Rs.499

SimplySAVE SBI Card

10X Reward Points on Movies, Dining,  Departmental Stores and Grocery Spends

Shopping (Everyday)

Rs.499

Yatra SBI Card

20% Discount on domestic hotels reservation for a minimum transaction of Rs.3,000

Travel

Rs.499

FBB SBI STYLEUP Card

Flat 10% off round the year when shopping at FBB and Big Bazaar stores

Co-branded shopping

Rs.499

BPCL SBI Card

Up to 4.25% value back at any BPCL petrol pumps across the country

Fuel

Rs.499

IRCTC SBI Platinum Card

10% value back as Reward points when booking AC1, AC2 and AC CC tickets on irctc.co.in

Co-branded travel

Rs.500

Air India SBI Platinum Card

Complimentary membership to Air India’s Frequent Flyer Program

Travel

Rs.1499

SBI Card PRIME

Welcome e-Gift Voucher worth Rs. 3,000 on joining, Complimentary International and Domestic Airport Lounge access

Premium & Lifestyle

Rs.2499

SBI Card ELITE

Welcome e-Gift Voucher worth Rs. 5,000 on joining, Complimentary movie tickets worth Rs. 6,000 every year

Premium & Lifestyle

Rs.4999

Air India SBI Signature Card

Access to over 600 international luxury airport lounges through complimentary Priority Pass Program

Premium & Travel

Rs.4999

SBI Credit Card Overview

SBI Cards & Payments Services (SBI), a credit card subsidiary of SBI, is a payment solutions provider in India that came into existence in October 1988. The company offers multiple credit cards to meet the financial needs of individual cardholders. SBI credit cards offer a wide range of credit cards with different reward schemes such as travel, shopping, dining, entertainment etc. Cardholders can also enjoy benefits like cashback offers, low-interest rates, No-cost EMI on major sites, among others. If you are looking for a new credit card, take a look at the features and benefits of SBI credit cards to choose one that best suits your needs.

List of SBI Credit Cards in India

SBI provides an extensive range of credit cards in various categories such as shopping, travel, lifestyle, rewards, business, etc. Each card is unique and has special offers like free movie tickets, reward points, lounge access facilities, concierge services, flexi payment in EMIs, balance transfer facility, online bills payment and many more. Excited to hear the reward point offers, cashbacks and other benefits on SBI credit cards? Then, take a glance at SBI Credit Cards below.

SBI Shopping Credit Cards

1. SimplyClick SBI Card

Key Highlights of SimplyClick SBI Card

Log-in Gift

Amazon gift card worth Rs.500 on joining

e-Shopping Rewards

10x Reward Points on online shopping transactions on selected merchant websites, such as Amazon, BookMyShow , Cleartrip, Lenskart, Netmeds, UrbanClap

Earn 5X rewards on all other online spends

Milestone Rewards

e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh

e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs

Fuel Surcharge Waiver

1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000

Annual Fee Reversal

Spend Rs. 1 lakh or more in a year to avail annual fee reversal in the next year

Contactless Payment

Simply wave the card at a secured reader to make payment of up to Rs. 2,000

Card Charges

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

2. SimplySAVE SBI Card

Key Highlights of SimplySAVE SBI Card

Rewards

10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends.

On all your other spends, earn 1 Reward Point per Rs 100 spent

(4 Reward Points = Rs. 1)

Bonus Rewards

Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points

Fuel Surcharge Waiver

1% fuel surcharge waiver across all petrol pumps

Annual Fee Reversal

Annual fees reversal on spends of Rs. 1,00,000 and above

Other SBI Card Benefits

Flexipay, Easy Bill Pay, Balance Transfer and other additional benefits

Card Charges

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

3. SBI Unnati Credit Card

Key Highlights of SBI Unnati Credit Card

Rewards

1 Reward Point for every Rs.100 spent using this card.

Use Credit Card Reward Points to redeem against a wide array of gifts from the Rewards Catalogue.

Bonus Rewards

Spend Rs.50,000 or more in a year to earn cashback of Rs.500.

Milestone Rewards

Rs 500 Cashback, within 15 days of achieving annual spends of Rs 50,000 or more

Applicable for all membership years

Fuel Surcharge Waiver

1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000

Card Charges

Annual Fee: Nil for first 4 years

4. SBI StyleUP Contactless Credit Card

Key Highlights of SBI StyleUP Contactless Credit Card

Welcome Gift

Fbb gift voucher worth Rs. 500

Bonus Rewards

10X Reward Points on Big Bazaar, fbb & Dining spend

1 Reward Point for every Rs.100 spent on other retail purchases except fuel purchases

BigBazaar Discount

Flat 10% Discount on all Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at fbbonline.in, fbb and Big Bazaar Stores

Accelerated Rewards

10X reward points when shopping at Big Bazaar, FBB, standalone Food Bazaar outlets, etc.

Anniversary Gift

2000 Reward points on Card Anniversary

Card Charges

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

5. Central SBI Select Card

Key Highlights of Central SBI Select Card

Welcome Gift

Central e-gift voucher worth Rs. 750

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

Accelerated Select Rewards

10 Select Points for every Rs.100 spent at any Central store

5 Select Points for every Rs.100 spent on Dining & Movies

1 Select Point for every Rs.100 on other retail spends (Non fuel)

1 Select Point =Rs. 0.25

Additional Rewards

Collect up to 8,000 Select Points (worth Rs.2,000) based on your total annual spend.

Reward Point Redemption

Instant Redemption of Select Points at any Central Store

No minimum limit of Select points is required for Instant Redemption

Select Points can be used to pay for your shopping

Card Charges

Annual Fee: Rs. 750 (one-time)

Renewal Fee: Rs. 750 (per annum)

Add on Fee: Nil

6. Central SBI Select Plus Credit Card

Key Highlights of Central SBI Select Plus Credit Card

Joining Benefit

Central e-gift vouchers worth Rs. 3000

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

2 Complimentary BMS vouchers worth Rs. 250 each

Accelerated Select Rewards

20 Select Points for every Rs. 100 spent any Central store

10 Select Points for every Rs. 100 on Dining & Movies

2 Select Points for every Rs. 100 other retail spends (Non-fuel)

1 Select Point = Rs. 0.25

Additional Rewards

Collect up to 16,000 Select Points (worth Rs.4,000) based on your total annual spend.

Reward Point Redemption

Instant Redemption of Select Points at any Central Store

No minimum limit of Select points is required for Instant Redemption

Select Points can be used to pay for your shopping

Card Charges

Annual Fee: Rs. 2999 (one-time)

Renewal Fee: Rs. 2999 (per annum)

Add on Fee: Nil

SBI Lifestyle Credit Cards

1. SBI Card ELITE

Key Highlights of SBI Card ELITE

Welcome Gift

E-gift voucher worth Rs. 5,000 redeemable at Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Movie Tickets

Complimentary Movie Tickets worth Rs. 6,000 every year

Bonus Rewards

Up to 50,000 Bonus Reward Points worth Rs. 12,500 per year

Lounge Access

2 complimentary Domestic Airport Lounge visits every quarter in India

Complimentary membership to the Priority Pass Program worth $99

6 complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter)W.e.f. 1st July 2017

Access over 1000 Airport Lounges worldwide

Accelerated Rewards

5X Reward Points on Dining, Departmental stores and Grocery Spends

Travel Benefits

Complimentary Club Vistara Silver membership and Trident Privilege Red Tier membership

Low Foreign Currency Mark-up

Lowest Foreign Currency Mark-up Charge of 1.99% on International usage

Card Fees

Annual Fee: Rs. 4999 + Taxes (one-time)

Renewal Fee: Rs. 4999 + Taxes (per annum)

Add on Fee: Nil

2. Doctor’s SBI Card in Association with (IMA)

Key Highlights of Doctor’s SBI Card in Association with (IMA)

Indian Medical Association

The only credit card to be associated with the Indian Medical Association.

Professional Indemnity Insurance

Professional Indemnity Insurance Cover of Rs. 20 Lakhs.

Reimburse all Legal & defense costs, out-of-court settlement expenses and court awards

0% of Sum Insured would be deductible

Welcome Gift

E-Gift Voucher worth Rs. 1500 from Yatra.com

Reward Points

5x Reward Points on purchases made on National Doctor’s Day (1 July).

5x Reward Points on overseas purchases, and spends on medical supplies, and travel bookings

1 Reward Point per Rs. 100 for all other spends

Milestone Benefits

E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs

Renewal Fee Reversal on annual spends of Rs. 2 Lakhs

International Lounge Program

Complimentary membership to the Priority Pass Program worth $99

4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)

Access to 1000+ Airport Lounges worldwide

Domestic Lounge Program

8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 visits per quarter)

Fuel Surcharge Waiver

1% fuel surcharge waiver across all petrol pumps

Card Fees

Annual Fee: Rs. 1499 (one-time)

Renewal Fee: Rs. 1499 (per annum)

Add on Fee: Nil

SBI Rewards Cards

1. SBI Card PRIME

Key Highlights of SBI Card PRIME

Welcome Gift

Welcome e-Gift Voucher worth Rs. 3,000 on joining

Reward Points

20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments

15 Reward Points per Rs. 100 spent on BigBasket

10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies

Milestone Benefit

Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter

Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs

E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs

Lounge access

Complimentary International and Domestic Airport Lounge access

Club Vistara Membership

Complimentary Club Vistara Silver membership

1 complimentary Lounge Access Voucher and 1 Upgrade Voucher

9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Birthday Benefit

20 Reward Points per Rs. 100 spent on birthday date

Card Fees

Annual Fee: Rs. 2999 + Taxes (one-time)

Renewal Fee: Rs. 2999 + Taxes (per annum)

Add on Fee: Nil

2. Apollo SBI Card

Key Highlights of Apollo SBI Card

Welcome Gift

500 Reward Points worth Rs. 500 on payment of joining fee

Complimentary Apollo Silver Tier Membership

Reward Points

3X Reward Points on every Rs. 100 spent on all Apollo services

Upto 10% Instant Discount at Select Apollo Services

Fuel Surcharge Waiver

1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000

Annual Fee Reversal

Renewal fee reversed if you spend Rs.90,000 or more in a year

Card Charges

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

3. Tata Platinum Card

Key Highlights of Tata Platinum Card

Welcome & Anniversary Gift

Exclusive welcome e- Gift Voucher worth Rs. 3,500 from STAR

Reward Points

3 Reward Points per Rs. 100 spent on Departmental & Grocery stores, Dining & International spends

1 Reward Point per Rs. 100 spent on other retail spends

Bonus Spend Rewards

STAR e- Gift Vouchers worth Rs. 3,000 on spends of Rs. 4 lakhs and Rs. 5 lakhs each

Fuel Surcharge Waiver

1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000

Airport lounge access

Exclusive access to premium MasterCard lounges in India

8 complimentary visits per year to Domestic MasterCard Lounges in India (Max. 2 visits per quarter)

Other Benefits

Flexipay, Easy Bill Pay, Balance Transfer and other additional benefits

Card Fees

Annual Fee: Rs. 2999 (one-time)

Renewal Fee: Rs. 2999 (per annum)

Add on Fee: Nil

SBI Travel Credit Cards

1. Air India SBI Signature Card

Key Highlights of Air India SBI Signature Card

Welcome Gift

20,000 Reward points as a welcome gift

Travel Privilege

Complimentary membership to Air India Frequent Flyer Program- Flying Returns

Reward Points

4 Reward points for every Rs. 100 spent.

Up to 1,00,000 bonus Reward points annually

Convert Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile.

Reward Earnings

Up to 30 Reward Points on every Rs. 100 spent on Air India tickets bookings through airindia.com or AirIndia mobile app

Lounge Access

Access to over 600 international luxury airport lounges through the Priority Pass Program and VISA Lounge Access at domestic airports

Anniversary Gift

5,000 Bonus Reward Points every year

Card Fees

Annual Fee: Rs. 4999 + Taxes (one-time)

Renewal Fee: Rs. 4999 (per annum)

Add on Fee: Nil

2. Air India SBI Platinum Card

Key Highlights of Air India SBI Platinum Card

Welcome Gift

5000 Reward Points on payment of joining fee

Travel Benefit

Complimentary Air India’s Frequent Flyer Program-Flying Returns

Reward Points

2 Reward points for every Rs. 100 spent

Upto 15,000 bonus Reward points annually

Air Mile Conversion

Convert Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile

Lounge Access

Complimentary VISA lounge access at all domestic airports

Fuel Surcharge Waiver

1% fuel surcharge waiver across all petrol pumps

Card Fees

Annual Fee: Rs. 1499 (one-time)

Renewal Fee: Rs. 1499 (per annum)

Add on Fee: Nil

3. Etihad Guest SBI Card

Key Highlights of Etihad Guest SBI Card

Welcome Gift

Welcome 2500 Etihad Guest Miles

2500 EYG miles will be credited within 15 days of annual fee payment

Complimentary Etihad Guest Silver tier status post first card

Reward Points

3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com

2 Etihad Guest Miles on every Rs. 100 spent on International spends

1 Etihad Guest Mile on every Rs. 100 spent on other spends except

Instant Discount

Upto 10% (3% on Economy Class and 10% on Business class) discount on direct Etihad Airways booking

5% discount on travel rewards miles redemption

Milestone Benefits

1 companion voucher within 15 days of achieving spends of Rs.10,00,000

5,000 Etihad Guest miles on annual spends of 5 lakhs

Annual Fee Reversal

Annual membership fee reversal 2nd year onwards when spend minimum of Rs. 3,00,000 in 1st year

Lounge Access

Complimentary membership to the Priority Pass Program worth $99

8 complimentary visits per year to domestic Visa Card Lounges in India(Max 2 visits per quarter)

Fuel Surcharge Waiver

1% fuel surcharge waiver for each transaction between Rs 500 and Rs 3000

Travel Insurance

Complimentary overseas air accident coverage of Rs. 25 Lakh

Complimentary Fraud liability cover of Rs. 50K

Complimentary Lost baggage allowance of up to USD 1000

Card Fees

Annual Fee: Rs. 1499 (one-time)

Renewal Fee: Rs. 1499 (per annum)

Add on Fee: Nil

4. Yatra SBI Credit Card

Key Highlights of Yatra SBI Card

Welcome Gift

Voucher worth Rs. 8,250 from Yatra

Travel Benefits

Rs. 1,000 off on domestic flight bookings. Min. trxn of Rs. 5,000

Rs. 4,000 off on international flight bookings. Min. trxn of Rs. 40,000

20% off on domestic hotels Min. trxn of Rs. 3,000. Max. discount of Rs. 2,000

Accelerated Rewards

6X Reward Points when shopping at grocery/departmental stores, dining etc.

1 Reward Point on every Rs. 100 spent on all other categories

Discount on Hotel Booking

20% off on domestic hotel booking for a minimum transaction of Rs. 3,000

Lounge Access

2 complimentary domestic airport lounge access per calendar quarter

Insurance

Complimentary Air Accident cover of Rs. 50 lakh

Fuel Surcharge Waiver

1% fuel surcharge waiver across all petrol pumps

Card Fees

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

5. BPCL SBI Credit Card

Key Highlights of BPCL SBI Credit Card

Welcome Gift

2,000 activation bonus points worth Rs. 500.

Fuel Privileges

13X reward points + 1% fuel surcharge waiver at BPCL petrol pumps on every transaction up to Rs. 4,000

3.25% + 1% Fuel surcharge waiver on every transaction upto Rs. 4,000

Reward Points

5 reward points on spending Rs. 100 at departmental stores, groceries, dining and movies

1 Reward Point for every Rs. 100 spent on non-fuel retail purchases

Other Benefits

Flexipay, Easy Bill Pay, Balance Transfer and other additional benefits

Card Fees

Annual Fee: Rs. 499 (one-time)

Renewal Fee: Rs. 499 (per annum)

Add on Fee: Nil

6. IRCTC SBI Platinum Card

Key Highlights of IRCTC SBI Platinum Card

Welcome Bonus

350 activation bonus reward points on spending Rs.500 within 45 days of card issuance

Value-back on IRCTC

Up to 10% value back as Reward points on buying AC1, AC2 and AC CC tickets on irctc.co.in

Milestone benefits

2,500 Reward Points on annual travel spends* of Rs. 50,000

5,000 Reward Points on annual travel spends* of Rs. 1,00,000

Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs

Complimentary Insurance Cover

Complimentary Rail Accident Insurance of INR 10 Lakhs

Complimentary Air Accident insurance of INR 50 Lakhs

Complimentary Fraud Liability cover of INR 1 Lakh

Fuel Surcharge Waiver

1% fuel surcharge waiver across all petrol pumps capped at Rs. 100 per statement cycle

Railway Lounge Program

Enjoy 8 complimentary railway lounge access in a quarter to participating lounges in India(Max 2 per quarter)

Travel Privileges

Tailor-made travel packages for leisure tours to various places in India

SBI Card Benefits

Transfer outstanding balances from other cards and convert high-value purchases into EMIs with Flexipay

Card Fees

Annual Fee: Rs. 1499 (one-time)

Renewal Fee: Rs. 1499 (per annum)

Add on Fee: Nil

SBI Business Cards

1. SBI Card PRIME Business

Key Highlights of SBI Card PRIME Business

Joining Benefit

Welcome e-gift Voucher worth Rs. 3,000 from Yatra for Business

Prime Business Reward Points

10 Reward Points per Rs.100 spent on Dining, Utility Bills payments and Office supplies

2 Reward Points for every Rs. 100 spent on retail shopping

Milestone Benefits

Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs

E-Gift Voucher worth Rs. 7,000 from Yatra for Business on achieving annual spends of Rs. 5 Lakhs

Club Membership

Complimentary Club Vistara Silver membership

1 complimentary Lounge Access Voucher and 1 Upgrade Voucher

Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Lounge Access

4 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)

8 complimentary visits per year to Mastercard Lounges in India (max. 2 visits per quarter)

Metro Cash & carry

10 reward points (5X) per Rs. 100 on all spends at Metro Cash & Carry stores

Complimentary privileges through Bandhan- Loyalty program of Metro Cash & Carry

Yatra For Business

Rs. 750 off on Flight bookings above Rs. 6000, once in a quarter

20% off on Hotel bookings, once in a quarter

Card Fees

Annual Fee: Rs. 2999 (one-time)

Renewal Fee: Rs. 2999 (per annum)

Add on Fee: Nil

2. SBI Card ELITE Business

Key Highlights of SBI Card ELITE Business

Joining Benefit

E-gift voucher worth Rs. 3,000 redeemable at Yatra for business, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

ELITE Business Reward Points

5X Reward Points on Dining, Utility Bills payments and Office supplies

2 Reward Points per Rs. 100 on all other spends except fuel

Complimentary Benefits

Free Movie Tickets worth Rs. 6,000 every year

Milestone Privileges

Upto 50,000 Bonus Reward Points worth Rs. 12,500/ year

10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs

Lounge Access

6 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)

8 complimentary visits per year to Mastercard Lounges in India (max. 2 visits per quarter)

Club Membership

Complimentary Club Vistara Silver membership

1 complimentary Lounge Access Voucher and 1 Upgrade Voucher

9 Club Vistara Points for every Rs. 100 spent on Vistara flights

Lowest Forex Markup

Privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage

2 Reward Points on every Rs.100 spent on International transactions

Metro Cash & carry

10 reward points (5X) per Rs. 100 on all spends at Metro Cash & Carry stores

Complimentary privileges through Bandhan- Loyalty program of Metro Cash & Carry

Yatra For Business

Rs. 750 off on Flight bookings above Rs. 6000, once in a quarter

20% off on Hotel bookings, once in a quarter

Card Fees

Annual Fee: Rs. 4999 (one-time)

Renewal Fee: Rs. 4999 (per annum)

Add on Fee: Nil

SBI Banking Partnership Cards

  1. Karnataka Bank SBI Platinum Credit Card
  2. South Indian Bank SBI Platinum Credit Card
  3. Federal Bank SBI Platinum Credit Card
  4. Karur Vysya Bank SBI Credit Card
  5. Karur Vysya Bank SBI Platinum Credit Card
  6. OBC SBI Platinum Credit Card
  7. OBC SBI Credit Card
  8. Bank of Maharashtra SBI Credit Card
  9. Bank of Maharashtra SBI Platinum Credit Card

Key Features & Benefits of SBI Cards

All credit cards from SBI offer a range of feature and benefits including:

1. Balance Transfer - Save on your interest

Balance Transfer is a facility that allows you to transfer your outstanding amounts from other bank credit cards to your SBI credit card at a minimum interest rate. With the balance transfer feature available on SBI credit cards, you can avoid paying interest on multiple cards. SBI card 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. 

2. SBI Automatic bill payments

With SBI Card’s Auto Bill Pay feature available on your credit card, paying your utility bills is hassle-free. The auto bill payment option allows you to pay your utility bills with convenience and on time. You can register and pay your utility bills, electricity bills, telephone bills, insurance premiums etc.

3. SBI Card Protection Plan - Protect yourself with insurance

SBI in partnership with CCP Group India offers comprehensive protection in the event of card loss, fraud, or theft. SBI cardholders can enjoy facilities like banking protection, free replacement of lost cards, emergency travel assistance and more.

4. SBI Card Mobile App - Convenient access to your account

You can access your SBI credit card account online via desktop site and SBI card mobile app. The SBI card app allows you to make bill payments, check your outstanding balance, and more anytime, anywhere.

5. Encash Facility - Loan on Your Credit Card

Your SBI card can be very helpful if you need extra cash to meet your emergency requirements. With the SBI Encash facility, you can get quick access to funds to meet such needs. Encash is a pre-approved, money- on- demand facility, which is offered by SBI to a select set of SBI credit cardholders. You could get an encash amount above or within your credit limit transferred to your account within 48 hours. Repayment of the funds can be made in 12, 24, or 36-months.

SBI Credit Cards Fees and Charges

The table given below shows some common fees and charges applicable on SBI credit cards. Please note that some specific fees and charges may differ from cardholder to cardholder, and for different card variants.

Types of fees

Amount/Charges

Annual/Renewal Fee

Annual/Renewal fees varies from Cardholder to Cardholder, and for different card variants

Interest Free Grace Period

20 to 50 days

Finance Charges (Service Charges)

Up to 3.35% per month [40.2% per annum] from the transaction date

Extended Credit Minimum Amount Due

5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance limit

Up to 80% of credit limit, with a maximum of Rs. 12,000 per day

Cash Advance Charges

Up to 3.35% per month, accounting to 40.2% per annum from the date of withdrawal

Cash Advance Fee SBI or Other Domestic ATMs

2.5% of transaction amount, subject to a minimum of Rs. 300

Cash Advance fee International ATMs

3% of transaction amount, subject to a minimum of Rs. 300

Overlimit Charges

2.5 % of the over-limit amount or Rs. 500, whichever is higher

Late Payment Fee (applicable if Minimum Amount Due is not paid by the payment due date)

  • Nil for total amount due from Rs. 0 to Rs. 200
  • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
  • Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
  • Rs. 600 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
  • Rs. 800 for total amount due greater than Rs. 10,000 and up to Rs. 25,000
  • Rs. 950 for total amount due greater than Rs. 25,000

Payment Dishonor

2% of Payment Amount subject to minimum charges of Rs. 450

Card Replacement charges

Rs.100 to Rs.250

Card replacement fee while travelling abroad

Actual cost of the card or $175, whichever is higher

Charge Slip Retrieval Fee

Rs. 225

Statement Retrieval Fee

Rs.100 per statement – for statements more than 2 months old

Foreign Currency Transaction fee

3.5% for all cards except Elite, 1.99% for Elite Cardholders only

SBI Credit Cards Eligibility and Documentation

Like any other banking institution, this one too has some specific conditions like minimum age, a constant flow of income, CIBIL report so as to be eligible to possess an SBI card. Though the eligibility criteria for SBI credit cards may differ on the basis of the card you have applied for, some basic conditions remain the same for all SBI cards.

  • Applicant should be a citizen of India
  • Age of the applicant should be above 18 years and less than 60 years at the time of application
  • The applicant must have a good CIBIL score and credit history 
  • The applicant must meet the annual income level required for the card applied
  • The applicant must be able to produce all the necessary documents at the time of verification

Documents Required to Apply for SBI Credit Card 

At the time of applying for SBI credit cards, you are required to submit a valid proof of identity, address, and income. Here is a list of documents required for an SBI Card application. Remember that this is not an exhaustive list and that the bank can ask for additional documents while applying for a credit card.

Proof of identity (any one)

Address proof (any one)

Income proof for self-employed individuals

Income proof for salaried individuals

  • Aadhaar card
  • Driving license
  • PAN card
  • Ration card
  • Voter's ID card
  • Passport
  • Ration card
  • Aadhaar card
  • Telephone bill
  • Electricity bill
  • Passport
  • Rental agreement
  • Latest Income Tax Returns (ITR)
  • Audit proof, balance sheet, or loss statement
  • Business financial statements
  • Employment letter
  • Latest salary slip
  • Salary account statement
  • Salary certificate

How to Apply for SBI Credit Cards Online

Applying for an SBI credit card is an easy and simple process. Additionally, BankYatra offers paperless applications for a wide range of SBI credit cards. You can check your eligibility, upload the documents, and apply for the desired card within a few minutes through the Bankyatra.com website. Below is the step by step guide to apply for SBI Credit Card online via BankYatra:

  • Visit BankYatra website and go to the Credit Card section.
  • Choose an SBI credit card that suits your spending pattern.
  • Next, select your city.
  • Fill the basic requirements like your name, address, date of birth, monthly income etc.
  • Once you have entered all the necessary information, click on ‘Apply for Credit Card’.
  • A list of SBI bank suitable credit card options for you will be shown.
  • Select the option that suits your requirements and then you can apply for that credit card. The bank will review your credit card application and then accordingly the application will proceed. Once your application is accepted, you will receive the credit card within a few working days.

Additionally, you can log on to the SBI Bank official website and apply for a card online. SBI offers online applications for most of their credit cards. 

  • Visit the official SBI website.
  • Visit the credit cards section and click on ‘Help Me Find a Card’.
  • Find the ideal card for you with the Simplifier feature.
  • Read through the features and benefits of the card.
  • Click on ‘Apply’.
  • Fill in your personal and contact details.
  • A bank representative will contact you to take your application further.

How to Check SBI Credit Card Application Status

If you want to find out whether your application has been approved or declined by the bank, you can use the track the status of your application through the SBI Bank official website.

  • Visit the SBI website and click on the 'Credit Cards' tab on the navigation bar.
  • You will find the ‘Track Your Application’ link under the ‘Apply’ tab.
  • Next, click on 'Status of Your Application’ and enter your application number or card Reference number to get the details.

SBI Credit Card Bill Payment

SBI offers various avenues to help you pay your credit card bills by over 12 different ways / Options via online, mobile or offline bill payment mode. The options include Net banking, Via Paynet, Visa credit card pay, Electronic Clearing, Paycash, ATM, Locate & Pay, Auto Debit, Online through SBI, SBI Mobile Banking and app, etc.

1. Online bill payment

Use any of the following methods to pay your SBI credit card bill online.

  • Net banking (NEFT)
  • Paynet-Pay Online
  • Visa Credit Card Pay
  • SBI Official Website
  • Electronic Bill Payment (EBP)
  • National Automated Clearing House (NACH)
  • SBI Auto Debit
  • Debit Card

2. Payment via Mobile App

SBI Mobile App 

  • Pay through YONO
  • UPI Payment 

3. Offline bill payment

  • SBI ATM
  • Electronic Drop Box
  • Payment at Bank Branch

SBI Credit Card Customer Care Number

If you have any queries about your card, you can contact the SBI customer support team for assistance. You can contact SBI bank credit card customer care for any query via call, email and SMS.

  • SBI Bank credit card customer care toll free number: 39 02 02 02 (prefix local STD code), 1860180 1290 or 1800 180 1290 (toll free). Remember that customer care representatives will be available from 8 am to 8 pm from Monday to Saturday.
  • SBI Bank credit card customer care Email ID: [email protected] 
  • SBI Bank credit card customer care Nodal Officer Email ID: [email protected]
  • SBI Bank credit card customer care SMS: SMS ‘HELP’ to 5676791 from your registered mobile OR SMS ‘PROBLEM’ to 9212500888 to receive a call back from SBI card customer care executive within 24 hours.