State Bank Of India Credit Cards

SBI, one the best leading public sector banks in India is also the second largest credit card issuer bank in India. When it comes to credit cards SBI offers more than 50 plus credit card options for consumers. If you’re looking for a credit card for shopping, travel, fuel or any other service SBI has so much to offer. 

Here is your ultimate guide to SBI Credit Card covering all the essential details.

List of SBI Credit Cards in different categories

SBI offers more than 50 plus credit cards, hence, sometimes it confuses the customer to choose the best card for themselves. To clear this confusion and help you choose the right credit card, here is the list of best SBI credit cards to maximize your spending:

 

Best Shopping Credit Cards

 

SBI SimplyClick Credit Card

Contactless payment Accepted globally 1% fuel surcharge exemption Welcome gift of Amazon Gift Card worth RS.500 10X reward points on online spending on Myntra, Swiggy, Netmeds, BookMyShow, Apollo 24×7, Cleartrip, Dominos, IGP, and Yatra 5X rewards points on other online purchases

 

SBI SimplySAVE UPI Rupay Credit Card

Link card on various UPI platforms 1% fuel surcharge exemption Welcome 2000 reward points worth 500 rs Waive off annual fee by spending Rs.1,00,000 or more 10X reward points when spent on dining, movies, and more

 

SBI Tata Platinum Card

Receive e-gift vouchers worth 3000 rs on joining  Get 3 Empower points on dining, shopping, or international purchases (1 Empower Point= 1 rs) Get 8 free lounge access across India Receive up to 2% value back on spending on croma  Receive up to 5% value back on spending on Tata 1% fuel surcharge exemption

 

Lifestyle Home Centre SBI Card

Receive 2000 reward points on joining Experience contactless payments Get 1% fuel surcharge across India Get 8000 reward points on annual spend of 2,00,000 rs Receive Rs.100 cashback on your first cash withdrawal Earn reward points on shopping, dining, movies, or other retail purchases

 

Max SBI Card Select

Receive 6000 reward points on annual fees payment Get 10 reward points on every Rs.100 spent  Receive 12,000 bonus reward points on annual expenses over Rs.3,00,000 Get 1% fuel surcharge across India

 

Best Travel Credit Cards

 

BPCL SBI Octane Credit Card

Free Fraud Liability coverage of 1 Lakh Receive 6000 reward points on annual fees payment Get 10 reward points on every Rs.100 spent  Get 4 free lounge access across India Get e-gift vouchers on annual spend of 3,00,000 rs 25X reward points on fuel purchase spent at BPCL petrol pumps

 

IRCTC SBI RuPay Credit Card

Best for people who frequently travel via railways Receive 350 bonus reward points on joining Free 4 railway lounge access  Link card on various UPI platforms 1 reward point on the expense of Rs.125

 

IRCTC SBI Card Premier

Save 1% on railways ticket bookings and 1.8% on flight ticket booking  through IRCTC app  Free 8 railway lounge access yearly Get rail accident insurance worth Rs 10 lakh Get air accident insurance worth Rs 5o lakh Free fraud liability cover worth Rs 1 lakh Receive 1500 bonus reward points as welcome gift

 

Air India SBI Platinum Credit Card

Receive 5000 reward points on payment of joining fees Receive 2000 reward points on annual card membership payment Complimentary 8 domestic lounge access  Get 15 reward points on air ticket booking via Air India app Get 1% fuel surcharge across India on all petrol payments Get card insurance benefits of Rs 1 lakh

 

Etihad Guest SBI Premier Credit Card

Free 5000 etihad guest miles on annual fees payment Get 2 wifi vouchers on first etihad flight booking Wave off renewal fee if  spent more than Rs 5,00,000 annually Get 8 domestic lounge and 4 international lounge access annually Receive 10% off on business class ticket and 5% off on economy class ticket if booked via etihad app Insurance benefit of Rs 50 lakh on air accident happened on international flight Allowance of 1000 USD on baggage loss

 

Delhi Metro SBI Credit Card

Can be used as credit card as well metro smart card Receive 2000 bonus reward points on joining Free 200rs top-up on metro smart card 1% discount on all fuel transaction fees Get 10 reward points on spent of Rs.100

 

Best Lifestyle Credit Card

 

SBI Card Pulse

Get NoiseFit Smart watch free on payment of joining fee Receive free membership of Fitpass Pro Get netmeds membership complementary Receive 10 reward points on spending on Pharmacy, dining, movies, and chemist Access to 8 domestic airport lounge yearly Free priority pass membership with card membership

 

SBI Elite Credit Card

Receive a gift voucher worth Rs 5000 as a joining reward Spent 10 lakh or more to waive off annual fee Get 6 international and 8 domestic airport lounge access  Receive complimentary movie worth Rs.6000 yearly

 

Best Rewards Credit Card

 

Cashback SBI Credit Card

Get 5% cashback on online expenses Get 1% cash back on offline expenses Waive off annual fee by spending 2,00,000 lakh or more annually Get a 1% fuel surcharge across India on all petrol payments

 

SBI Prime Credit Card

Receive gift voucher worth Rs.3000 as a welcome gift Get complimentary 8 domestic and 4 international airport access lounge Receive 20 reward points on your birthday expenses Waive off renewal fee on spending Rs.3,00,000 annually Receive 10 reward points on the expenses of dining, movies, or groceries

 

Eligibility Criteria for SBI Credit Card

The eligibility criteria for getting a SBI Credit Card depends upon the type of card you’re willing to purchase. However, criteria like age, nationality, cibil score remains the same for all the customers. Here are the basic eligibility criteria list that you should meet:

Age: minimum age to get a credit card is 21 years. 

Nationality: should be an Indian Citizen 

Employment: Salaried or self-employed individual

Annual Income: Your annual salary determines the type of credit card you’re eligible for. Also, the limit of your credit card is also dependent upon your annual salary. 

Documents required for SBI Credit Card 

While applying for SBI Credit Card you need to present the following documents:

Identity Proof: Aadhar card, PAN card, Passport, Driving License, and Voter ID

Address Proof: Aadhar card, PAN card, Passport, Driving License, and Utility bills

Income Proof for Salaried Person: 3 months bank statement and 3 months salary slip

Income Proof for Self-employed Person: Income Tax Return

Application process for SBI Credit Card

You can apply either Online or Offline for your preferred credit card. You should follow these steps for a smooth application process:

Online application process

Step 1: Visit the official website of SBI Bank

Step 2: Select credit card page

Step 3: Select the card you wish to apply for 

Step 4: Read all the related details of the card

Step 5: Now click on the ‘Apply Now’ icon

Step 6: To begin with your application fill your contact number, DOB, and PAN Card number

Step 7: Fill out the application form with all the required details 

Step 8: Lastly submit your application form track status online.

If your card application is approved, the bank will deliver your card on your mailing address within 10-15 days.

Offline application process

Step 1: Visit your nearest SBI Bank or your branch office.

Step 2: Ask the bank executive to provide you details for the credit card application.

Step 3: Fill the form and submit all the required documents.

Step 4: Complete KYC process.

Step 5: Wait for approval.

If your card application is approved, the bank will deliver your card on your mailing address within 10-15 days.

Frequently Asked Questions (FAQ)

Which SBI Credit Card offers the best rewards?

SBI offers more than 50 plus variants of credit cards to suit your lifestyle and needs. All the credit cards of SBI offer great rewards and benefits. However, rewards depend upon various factors like annual spendings, income, or cibil score. So, the best credit card for you is the card that matches your annual income and lifestyle needs.

How can I increase my SBI Credit Card limit?

There are various things that need to be fulfilled for increasing your credit card limit like credit score, annual income, or repayment history. Though there are two ways by which you can increase your credit card limit i.e online and customer care service. You can request for a credit limit increment through their official website just by applying for a credit limit increment, submit necessary documents and wait for SBI approval. Once your request is approved you’ll receive a confirmation for SBI. You can also contact their customer support service through call or sms for credit card limit increment.

What are the eligibility criteria for an SBI Credit Card?

The eligibility criteria for getting a SBI Credit Card depends upon the type of card you’re willing to purchase. However, criteria like age, nationality, cibil score remains the same for all the customers. Here are the basic eligibility criteria list that you should meet:

Age: minimum age to get a credit card is 21 years. 

Nationality: should be an Indian Citizen 

Employment: Salaried or self-employed individual

Annual Income: Your annual salary determines the type of credit card you’re eligible for. Also, the limit of your credit card is also dependent upon your annual salary.