5 Best SBI Credit Cards with Their Features and Benefits

A credit card has become a necessity for most of us today and the reason is not our needs, but the various benefits, offers and rewards they offer. In the long run, you do not just save money but also get more discounts and rewards on your everyday purchases. Whether it is buying a plane ticket or booking a movie ticket, credit cards can actually help you save a lot of your hard-earned money.

SBI is one of the most trusted public sector banks in India when it comes to credit cards. The bank has a wide range of credit cards catering to the various needs of its customers. Here we have listed the top 5 SBI credit cards along with their features and benefits:

Here are the 5 Best SBI Credit Cards Available in India:

SimplySAVE SBI Card

Now save more on all your transactions with SimplySAVE SBI Credit Card. This card offers unlimited privileges to use, including bonus reward points, fuel surcharge waiver, spend-based fee reversal, and so on.

Key Features & Benefits:

• Get 2,000 bonus reward points on spending Rs. 2,000 or more in the first 60 days.
• Earn 10 reward points on spending per Rs. 150 on dining, movies, departmental stores and grocery.
• Earn 1 reward point per Rs. 150 spent on all other categories.
• 4 Reward Points = Rs. 1.
• Get a 1% fuel surcharge waiver on a transaction of between Rs. 500 to Rs. 3,000 at all petrol pumps in India. Maximum surcharge waiver available of up to Rs. 100 per statement cycle.
• Get the benefit of reversal of the renewal membership fee from the second year onward of your subscription on spending Rs. 1,00,000 or more in the previous year.
• The accumulated reward points can be used to pay the outstanding balance on your card or you can redeem them against a wide array of gifts.
• Visa payWave’s unique security key feature ensures secure transactions.
• The card can be used in over 24 million outlets present across the globe.
• SimplySAVE SBI Card enables you to get add-on cards for your children, spouse, parents, or siblings who are above the age of 18.
• The card lets you pay your utility bills easily through its Easy Bill Pay facility

Fees:

• Joining fee: Rs. 499.
• Renewal fee: Rs. 499. This fee is reversed if annual spends for the last year are equal to or more than Rs. 1,00,000.

Club Vistara SBI Card

Make your travel more rewarding with Club Vistara SBI Credit Card. This card offers a multitude of travel benefits, including an Economy class ticket as an E-Gift Voucher, comprehensive insurance cover, bonus CV points on achieving milestone spends, airport lounge access, etc.

Key Features & Benefits:

• 1 Economy class ticket as an E-Gift Voucher on annual/ renewal fee payment.
• Earn 3 CV points on spending per Rs. 200, including all retail spends & fuel.
• Comprehensive Insurance Cover:
  1. Up to 4 cancellations each year: Rs. 3,500 each
  2. Lost Card Liability Cover: Up to Rs. 1 Lakh
  3. Air Accident Cover: Up to Rs. 50 Lakhs
  4. Loss of check-in baggage: Up to Rs. 72,000
  5. Delay of check-in baggage: Up to Rs. 7,500
  6. Loss of travel documents: Up to Rs. 12,500
  7. Baggage Damage Cover: Up to Rs. 2500
• Get 1000 bonus CV points on spending Rs. 50,000 within 90 days of card issuance
• Bonus CV points are credited to the Club Vistara Membership Account within 15 working days of achieving the spends threshold.
• Get 1 Economy class ticket on every annual spend of Rs. 1.25 Lakhs, Rs. 2.5 Lakhs and Rs. 5 Lakhs.
• Get 1 hotel e-voucher from Yatra worth Rs. 5,000 on annual spends of Rs. 5 Lakhs.
• Get 4 complimentary domestic airport lounge visits per year (subject to a maximum of 1 per quarter).
• Enjoy complimentary Priority Pass membership of USD 99 for the entire duration of the card.
• This is a contactless credit card, which makes your transactions more secure.
• The Club Vistara SBI Card is accepted at more than 24 million outlets across the globe, including 3,25,000 in India.

Fees:

• Joining fee: Rs. 1,499 + applicable taxes.
• Renewal fee: Rs. 1,499 + applicable taxes. 

SBI Card ELITE

This card has several benefits for frequent flyers, especially international flyers. Get complimentary lounge access and attractive offers and discounts on airfares, hotel bookings, movie tickets, etc. 

Key Features & Benefits:

• Get a welcome e-gift voucher worth Rs. 5,000 from an array of travel and lifestyle brands like Yatra, Hush Puppies, Bata, Pantaloons, Aditya Birla Fashion & Shoppers Stop.
• Get free movie tickets of up to Rs. 6,000 each year. The offer is valid on the purchase of a minimum of 2 tickets per booking per month. The maximum discount available is up to Rs. 250 per ticket for 2 tickets only. 
• Get up to 50,000 (worth Rs. 12,500) bonus reward points each year.
• Get 10,000 bonus reward points on annual spending of Rs. 3 Lakhs and Rs. 4 Lakhs.
• Earn 5X reward points on departmental stores, dining, and grocery spending.
• Earn 2 reward points on spending per Rs. 100 on all other categories, except fuel.
• 4 Reward Points = Rs. 1.
• 1% fuel surcharge waiver (maximum Rs. 250 per month, per statement cycle) on spending between Rs. 500 to Rs. 4,000 at all petrol pumps in India.
• Get complimentary Priority Pass Program membership worth $99.
• Get 6 complimentary airport lounge visits each year, outside India (maximum 2 visits each quarter).
• Get access to 1000+ airport lounges across the world.
• Get 2 complimentary visits every quarter to domestic airport lounges. 
• Get complimentary Club Vistara Silver membership with these benefits: 
  1. 1 complimentary Upgrade Voucher
  2. 9 Club Vistara Points on spending every Rs. 100 on Vistara flights
• Get complimentary Trident Privilege Red Tier membership with these benefits:
  1. 1,000 Welcome Points on registration
  2. 1,500 Bonus Points on the first stay.
  3. Additional Rs. 1,000 worth of hotel credit on an extended night stay by using Promo code SBITH.
• The card offers the lowest Foreign Currency Mark-up Charge of 1.99% on international usage.
• Get 2 reward points on spending every Rs. 100 on International transactions.
• Get exclusive concierge service.
• You also get a complimentary fraud liability cover worth Rs. 1 Lakh on your Credit Card.
• You can replace your SBI Card ELITE anywhere in the world through Emergency Card Replacement facility.
• Exclusive assistance with customised holiday packages, gift delivery, movies and hotel reservations.
• The card lets you pay your utility bills easily through its Easy Bill Pay facility
• Make any purchase worth Rs. 2,500 or more and convert it into EMIs with Flexipay facility

Fees:

• Joining fee: Rs. 4,999 + applicable taxes.
• Renewal fee: Rs. 4,999 + applicable taxes. 

SBI Card PULSE

This SBI credit card will help you in your journey towards fitness with its health and wellness benefits. The card offers complimentary FITPASS PRO and Netmeds First memberships, complimentary airport lounge access, comprehensive insurance cover, and much more. 

• As a welcome gift, get a Noise ColorFit Pulse 2 Max Smart Watch of Rs. 5,999 on joining fee payment. 
• Get complimentary FITPASS PRO and Netmeds First memberships every year, on card renewal. These memberships are available only on payment of the joining fee and a minimum of one retail transaction.
• Earn 10 reward points on spending per Rs. 100 on the chemist, pharmacy, dining & movies.
• Earn 2 reward points on spending every Rs. 100 on all other categories.
• 4 Reward Points = Rs. 1.
• Get an e-voucher of Rs. 1,500 on achieving annual milestone retails spends of Rs. 4 Lakhs.
• Waiver of renewal fee on annual spending of Rs. 2 Lakhs.
• Get a Comprehensive Insurance Cover:
  1. Avail Fraud Liability Insurance Cover: Rs. 1 Lakh
  2. Air Accident Cover: Rs. 50 Lakh
  3. Loss of check-in baggage: Up to Rs. 72,000 (1000 USD)
  4. Delay of check-in baggage: Rs. 7,500
  5. Loss of travel documents: Up to Rs. 12,500
  6. Baggage Damage Cover: Up to Rs. 5,000
• Complimentary 8 domestic airport lounge visits (up to 2 per quarter).
• Complimentary Priority Pass Membership of US $99 for the first 2 years of cardholder membership.
• 1% fuel surcharge waiver for every transaction between Rs. 500 to Rs. 4,000. Maximum surcharge waiver available up to Rs.250 per statement cycle, per credit card account.

Fees:

• Joining fee: Rs. 1,499 + applicable taxes.
• Renewal fee: Rs. 1,499 + applicable taxes. The renewal fee is reversed if annual spending for last year are Rs. 2,00,000 or more.

BPCL SBI Card

BPCL SBI Credit Card gives your fuel spending some extra mileage with benefits like annual savings of 70 litres of fuel, 2,000 activation bonus reward points, 4.25% valueback on fuel purchases, and so on.

• Apply for the BPCL Card online and get an Amazon voucher worth Rs. 250.
• Get 2,000 activation bonus reward points (worth Rs. 500) on joining fee payment.
• Get 4.25% Valueback (approx. 13X reward points) on fuel purchases at BPCL petrol pumps. Maximum benefit of 1300 reward points per billing cycle.
• Get a 3.25% + 1% fuel surcharge waiver (maximum Rs. 100 in a billing cycle) on each BPCL transaction up to Rs. 4,000 (excluding GST & other charges) across India. 
• Earn 5X reward points (up to 5000 reward points per month) on spending every Rs. 100 at groceries, departmental stores, movies & dining. 
• Get 1 reward point for spending every Rs. 100 on non-fuel retail purchases.
• 4 Reward Points = Re 1.
• Accumulated reward points can be redeemed instantly against fuel purchases at select 1200 BPCL outlets or at the Shop n Smile rewards catalogue.
• There is no minimum threshold of reward points for redemption. 
• Annual savings of 70 litres of fuel.

Fees:

• Joining fee: Rs. 499 + GST.
• Renewal fee: Rs. 499 + GST. The renewal fee is reversed if annual spending for last year is Rs. 50,000 or more.

So, these were the best five credit cards offered by the State Bank of India with their key features and benefits. Based on these factors, we hope you can now make an informed decision on which credit card will be the best for you. Moreover, the SBI account holder can get different types of SBI Debit Cards and enjoy the best features which you may not find anywhere. As we already discuss about the top SBI credit card which is useful for customers in different ways. However, you can explore best credit cards in India of different banks with better deals and at lower interest rate.

Note: Apply for American Express SmartEarn Credit Card & Earn gift vouchers* worth upto Rs.1500 from Lifestyle, Amazon etc.