Best SBI Credit Cards – Top Offers, Rewards & Benefits
SBI Bank is India’s Second largest Bank in terms of credit card with over millions active credit card users and around 18.69% market share (Source Ndtv )And Branch in almost every state in India .
SBI Banks offers cards for every profile ,from Self employee to entry-level earners to working professional . Every card have their own benefits and perks in this page you will get full knowledge regarding cashback, rewards, Eligibility Criteria and processing fees For Best SBI Credit card and you can apply them by clicking the Apply Now Button.
List of Best SBI Card Credit Cards in India 2026
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Why Choose an SBI Credit Card?
Before choosing any credit card, it is important to check for hidden charges, the amount of cashback available, and, for travellers, whether lounge access is available at the airport. For example, if you do a lot of Train travel, the IRCTC SBI RuPay Credit Card is a good option, as you will earn 10× reward points on train ticket bookings. SBI Card offers several cashback credit cards.
Similarly, for shoppers who frequently use Tata Group platforms such as BigBasket, 1mg, Tata Cliq, and Croma, the Tata Neu Plus SBI Credit Card is one of SBI’s best cards. This means you have many options for SBI Bank Credit Cards.
Best Cards for ₹15,000+ Salary Employee
Top earn-boosters credit cards for ₹15k+ salary walas! Get cashback, rewards, free lounge access, and easy EMI. Low fees, high value. Compare & apply online!
SBI SimplyCLICK Credit Card
- Fee: ₹499 + GST (waived on ₹1 lakh spend)
- Rewards: 10X points on popular online platforms like BookMyShow, Swiggy, Myntra; 5X other online spending; 1X offline.
- Welcome: 2,000 bonus points on activation.
- Extras: E-vouchers on milestones, no lounge access.
- Ideal for: Online-first shoppers who want maximum returns on digital spends.
Tata Neu Plus SBI Credit Card
- Fee: ₹499 + GST (fees waived on spends)
- Rewards: NeuCoins on Tata brand and general spends, 2% NeuCoins on non-Tata spends.
- Extras: UPI integration, welcome NeuCoins/vouchers.
- Ideal for: Loyal customers of Tata ecosystem.
SBI SimplySAVE UPI RuPay Credit Card
- Fee: Low annual fee
- Rewards: 10X points on groceries, dining, movies; 1X others; UPI cashback offers.
- Extras: 1% fuel surcharge waiver, capped monthly.
- Ideal for: Family and everyday spenders offline.
Mid-Tier Cards for ₹40,000-₹75,000 Salary
Best mid-tier credit cards for ₹40k-₹75k salary! Get cashback, rewards, free lounge access & more. Easy EMI, low fees. Compare & apply online now!
Cashback SBI Credit Card
- Fee: ₹999 + GST (waived on ₹2 lakh spend)
- Rewards: 5% cashback online, 1% offline, auto-credit.
- Benefits: 1% fuel surcharge waiver; milestone rewards.
- Ideal for: Users preferring straightforward cashback.
Premium & Luxury Cards for ₹1L+ Salary
Premium & luxury credit cards for ₹1L+ salary. Enjoy elite perks, cashback, rewards, and VIP travel. Apply now for top-tier benefits!
SBI Card ELITE
- Fee: ₹4,999 + GST (waived on ₹10 lakh spend)
- Rewards: 2 points/₹100 with accelerated category points, milestones up to 50,000 points.
- Perks: 8 domestic + 6 international lounges/year, movie tickets up to ₹6,000 annually, golf and wellness privileges, low forex markup.
- Ideal for: Frequent travelers and high-spenders wanting premium lifestyle benefits.
Tata Neu Infinity SBI Credit Card
- Fee: Premium with fee waivers on heavy spends.
- Rewards: Enhanced NeuCoin earnings, lounge access, travel perks.
- Ideal for: High-income Tata lifestyle loyalists.
Air India SBI Platinum Credit Card
- Rewards: Loyalty points redeemable for Air India flights and upgrades.
- Perks: Domestic lounge access, priority check-in.
- Ideal for: Frequent Air India flyers.
SBI Tata Platinum Card
- Fee: ₹499 + GST
- Rewards: Tata brand rewards, milestones, retail and movie discounts.
- Ideal for: Entry-level Tata shoppers.
IRCTC SBI RuPay Credit Card for Train Travellers
- Fee: Minimal fees
- Rewards: Dedicated IRCTC booking rewards, cashback, and fuel surcharge waiver.
- Perks: Tailored benefits for frequent railway commuters.
- Ideal for: Regular IRCTC users and train travelers.
Rewards, Redemption & Fees
SBI reward points can be redeemed for flights, hotels, merchandise, vouchers, or statement credit with a value of roughly ₹0.25 to ₹0.50 per point, depending on the card and category. Fees range from ₹499 for entry cards to ₹4,999+ for premium cards, with waivers applicable to annual spend. Interest rates on revolving credit hover around 3.75% monthly with standard fees for cash advance and forex.
Eligibility & Documents
Age: 21-60 (up to 65 for self-employed)
Income: ₹15,000+ for entry, ₹40,000+ for mid-tier, ₹75,000+ for premium cards
Credit Score: Minimum 750 recommended
Documents: PAN, Aadhaar, last 3 months salary slips/ITR, address proof such as utility bills or bank statements.
Fees & Charges Snapshot
| Charge Type | Details |
| Joining/Annual Fee | ₹499 (entry) to ₹4,999 (premium); waived on ₹1-10L spends |
| Interest Rate | 3.75% monthly on revolved balances (from Nov 2024) |
| Cash Advance Fee | 2.5% or ₹500 min |
| Forex Markup | 3.5% + GST |
| Late Payment Fee | Slab: ₹500-₹1,200 |
| Over-Limit Fee | 2.5% of excess |
Salary Insights
Under ₹50k/month: SimplyCLICK or SimplySAVE—₹5,000-12,000 annual value on bills/shopping/fuel. Start here to build score.
₹50k-₹1 Lakh: Cashback/ BPCL Octane—₹15,000-20,000 with fuel/lounges.
Above ₹1 Lakh: PRIME/ELITE—₹25,000+ via travel/golf.
Conclusion
SBI offers a variety of cards for different categories. For example, if you shop at aata Group platforms like BigBasket, 1mg, Tata Cliq, and Croma, then Tata Neu Plus SBI Credit Card is one of the best cards of SBI. For lower salaries, like 15,000 to 20,000, you can apply for the SBI SimplyCLICK Credit Card.
You should apply for a credit card that aligns with your shopping habits and spending patterns. Carefully review all cards listed above, and apply only after reviewing the full details. The link above will take you directly to the bank’s website, where you can apply.
FAQ
Which SBI credit card is best for online shopping?
The SBI SimplyCLICK Credit Card and the Tata Neu card are the best options for online shoppers, offering 10X reward points on popular brands like Myntra, Swiggy, and BookMyShow.
Can I get an SBI credit card with a salary under ₹20,000?
Yes, entry-level cards like SimplyCLICK and Tata Neu Plus can be easily approved on salary in between ₹15,000-₹20,000 Rs.
What is the name of the app to manage my ICICI Credit card?
SBI Card Mobile app is the app for managing your credit card, like card payment, Reward redemption and card Control.
Do premium SBI cards offer airport lounge access?
Yes, premium cards like SBI Card ELITE provide 8 domestic + 6 international lounges/year, along with other luxury travel and lifestyle benefits.
How can I redeem rewards earned on SBI credit cards?
SBI reward points can be redeemed for flights, hotel bookings, gift vouchers, and merchandise. Premium cards typically offer higher redemption values, especially for travel that primarily involves flights.