SBI Credit Cards
SBI offers a variety of SBI credit cards to meet every customer’s needs. You can choose the best SBI credit card according to your requirement like Lifestyle, Shopping, Travel, Rewards and Cashback. All SBI credit card types have their own set of benefits.
Top SBI Credit Cards
IRCTC RuPay Credit Card
- Travel
Offers on Travel, Golf, Dining & Other Entertainment Options From RuPay
Offers on Travel, Golf, Dining & Other Entertainment Options From RuPay
Simply Click Credit Card
- Rewards
10 RP / 100 Rs spend on bookmyshow, eazydiner, cleartrip, Myntra, Dominos
10 RP / 100 Rs spend on bookmyshow, eazydiner, cleartrip, Myntra, Dominos
SBI Simply Save Credit Card
- Rewards
10 Rewards on spend 150 on Dining, movies, grocery & department stores
10 Rewards on spend 150 on Dining, movies, grocery & department stores
BPCL SBI Credit Card
- Fuel
Convert your transactions of Rs. 2,500 or more into EMIs with Flexipay
Convert your transactions of Rs. 2,500 or more into EMIs with Flexipay
Top 10 SBI Credit Cards
| Credit Cards | Joining Fee | Annual Fee | Best For |
| SimplyCLICK SBI Card | Rs. 499 | Rs. 499 | Shopping |
| SBI Elite Credit Card | Rs. 4,999 | Rs. 4,999 | Lifestyle, Shopping, Travel |
| SimplySAVE SBI Card | Rs. 499 | Rs. 499 | Shopping |
| SBI Card Unnati | Nil | Rs. 499 (5th year onwards) | Shopping & Rewards |
| SBI Card Prime | Rs. 2,999 | Rs. 2,999 | Rewards & Travel |
| SBI Cashback Credit Card | Rs 999 | Rs. 999 | Cashback |
| SBI Elite Advantage | Rs. 4,999 | Rs. 4,999 | Lifestyle & Rewards |
| SimplySAVE Advantage SBI Card | Rs. 499 | Rs. 499 | Shopping & Rewards |
| SimplyCLICK Advantage Card | Rs. 499 | Rs. 499 | Shopping & Rewards |
| Doctor's SBI Card | Rs. 1,499 | Rs. 1,499 | Lifestyle & Rewards |
Note: SBI Card is powered by https://www.sbicard.com/ and the information mentioned here is provided by SBI Card.
SBI Credit Card Features & Benefits
- SBI Exclusive Discounts: SBI credit card offer period discounts and cashback offers on online, as well as offline merchants. You can get up to 10% flat discounts on various sale schemes on e-commerce platforms such as Apple, Amazon, Myntra, Flipkart, JioMart, Nykaa, Samsung, Ajio, Tata Cliq, etc.
- Club Vistara membership: SBI cards also offer a complimentary Club Vistara Silver Tier membership through which a card member can secure free flight tickets by redeeming CV reward points and free cancellations of Vistara flights.
- Trident Privilege Membership: A complimentary membership of Trident Hotels is provided to SBI credit card holders under which you can claim bonus points on first stay, hotel credit that can be utilised during the stay.
- SBI Priority Pass Membership: A complimentary Priority Pass membership is also there with a bunch of SBI cards including SBI Elite credit card, SBI Prime credit card, Slub Vistara SBI credit card, Etihad Guest SBI Premier Card, etc.
- SBI Add-On Credit Card: SBI card allows a primary card member to apply for an add-on credit card for their parents, spouse, siblings over the age of 18 years. The primary and add-on credit cards share the original credit limit. You can realise milestone benefits quickly as the required spend threshold is achieved in lesser time.
- SBI Balance Transfer: With SBI credit cards, you can apply for a balance transfer at 0% interest rate for a maximum period of 60 days. SBI levies a processing fee of 2% of the BT amount or Rs 199 + GST, whichever is higher for a balance transfer within the prescribed limit.
- SBI Balance Transfer on EMI: No processing fee is charged on the balance transfer on EMI with SBI credit card. You can transfer any outstanding balance of other credit cards to an SBI credit card account on EMI at an interest rate of 1.7% per month, or 20.4% p.a. For a period of 180 days. SBI card balance transfer takes up to 3 days for the amount to get credited in another bank credit card account.
- SBI Encash: SBI encash facility allows you to take loan over and above your SBI credit card limit for tenures including 12, 24, 36 and 48 months. The quantum of encash, however, stays within the assigned credit limit and the bank takes 48 working hours to process the encash amount through NEFT. SBI card charges a one-time processing fee of 2%, a minimum of Rs 499 and a maximum of Rs 3,000 + GST.
- Fuel Surcharge Waiver: SBI credit cards offer fuel surcharge waivers for purchasing fuel throughout India. SBI credit card members can earn 1% surcharge waiver, provided the transaction is well within the advised range. The quantum of fuel surcharge waiver can vary for different credit cards, while SBI Fuel credit cards such as BPCL SBI credit card and BPCL SBI Octane credit card also offer rewards points on fuel purchases.
- SBI Flexipay: SBI Flexipay allows a card member to break big transactions into smaller EMIs to facilitate easy repayments. The minimum permissible amount for Flexipay is Rs 2,500 under which any transaction above Rs 500 within the last 30 days can be converted. A one-time processing fee of 1% up to a maximum of Rs 2,000 is charged for converting the transactions into Flexipay.
- SBI Welcome Bonus: Various SBI credit cards offer multiple welcome discounts and bonuses on credit card activation in form of a cashback, voucher or flat discount on a select few merchants. Some SBI credit cards also offer bonus rewards points, while some offer vouchers that are equivalent to the joining/renewal fee for the respective card.
SBI Credit Card Documents
Following is the list of common documents to be submitted by each applicant for approval of the SBI Credit Card:
- Identity Proof Documents
- Aadhar
- Passport
- Voter's ID Card
- Driving License
- PAN Card
- Address Proof Documents
- Aadhaar card
- Driver's License
- Any of the utility bills such as telephone bill, water bill, insurance, piped gas bill, postpaid mobile bill or electricity bill. The bills should not be more than 2 months old.
- Property/Municipal Tax receipt
- Payment orders for pension or family pension issued by State/Central Government departments to retired employees.
- Letter of allotment of accommodation provided by the employer.
- Income Proof Documents
- Latest salary slips (not more than 3 months old)
- Last 3 month' bank statement
- ITR
- Form 16
- Age Proof Documents
- Birth certificate
- Class X Certificate
- voter's ID
SBI Credit Card Eligibility
SBI Credit Card can be applied by salaried individuals, self-employed professionals, and businessmen. However, to apply they need to fulfill the eligibility criteria as decided by the bank.
| Eligibility Criteria | Salaried Employees/Self-employed professionals, and businessmen |
| Monthly Salary or ITR |
|
| Credit Score | Good credit score e.g. 700 and above (Subject to the bank's internal credit checking process) |
| Age | 21 years and above |
The SBI credit card eligibility criteria for each type of Card differ greatly. To check eligibility for a particular card, the common SBI credit card eligibility factors based on the requirement and the income of the applicant are:
- Minimum age: 21 years
- Maximum age: 60 years
- Applicant must have a regular source of income
- Applicant must have a decent credit score
- Minimum salary should be 20,000 per month
Additional Info: Know all about SBI YONO Personal Loan and apply.
SBI Credit Cards Fee & Charges
- Annual & renewal fees: Annual fee is a one-time charge & renewal fee is charged every year. These charges may vary for different card variants and cardholders.
- Cash advance fee: 2.5% or Rs. 500, whichever is higher at domestic ATMs & 2.5% or Rs. 500, whichever is higher at international ATMs.
- Cash payment fee: Rs.199 + all applicable taxes.
- Finance charges: Up to 3.50% per month or 42% per annum from the date of transaction (minimum Rs. 25 for each transaction, exclusive of applicable taxes).
- Late payment charges:
- Total amount due Rs. 0 - Rs. 500: NIL
- Total amount due above Rs. 500 & up to Rs. 1,000: Rs. 400
- Total amount due above Rs. 1000 & up to Rs. 10,000: Rs. 750
- Total amount due above Rs. 10,000 & up to Rs. 25,000: Rs. 950
- Total amount due above Rs. 25,000 & up to Rs. 50,000: Rs. 1,100
- Total amount due above Rs. 50,000: Rs. 1300
- SBI will also levy an additional late payment charge of Rs. 100 on missing Minimum Amount Due payment by the due date for 2 consecutive cycles.
- Overlimit fees: 2.5 % of the overlimit amount or Rs. 600, whichever is higher.
- Payment dishonour fee: 2% of payment amount, minimum Rs. 500
- Card replacement: Rs. 100 - Rs. 250 (Rs. 1,500 for Aurum)
- Statement retrieval fee: Rs. 100 per statement for more than 2 months old statements
- Foreign Currency Transaction fee: 1.99% for Elite & Aurum Cardholders and 3.5% for all other cards.
- Network change fee: Rs. 200
- Ad-hoc credit limit increase fee: Rs 200
- Cheque payment fee: Rs. 100
- Dynamic & Static Conversion Markup fee: 1.99% for Elite & Aurum cards and 3.50% for all other cards (Only for transactions above or equal to Rs. 1,000).
How to Apply SBI Credit
If you want to avail SBI credit card apply online as it is the easiest and fastest way to get SBI credit card.
Applying for an SBI credit card is easy through our website. MyMoneyMantra offers instant online for selected SBI cards. Through our platform, you can get the information about various SBI credit cards including the SBI credit card annual fee, features and benefits, documentation, SBI credit card offers, etc. You can check your eligibility for the cards and apply for the best suitable one within a few minutes.
- Visit MyMoneyMantra.com
- Click on ‘SBI’ under ‘Credit Cards’ section on the homepage.
- Choose the card you wish to apply for.
- Click on the ‘EConnect’ button.
- Provide your personal details like full name, date of birth, mobile number, email ID, mother’s name, father’s name, marital status, PAN number, and nationality.
- Mention your office and residence address details.
- Provide your work related details like employment/applicant type, annual income, company name, designation, and office email.
- Accept the ‘Terms & Conditions’ and click on the ‘Submit Application’ button to complete your application.
- You will receive a call from our credit card experts within a short period.
Additionally, you can apply for the card form the official website of SBI by following the steps mentioned below:
- Visit the official SBI credit card website at https://www.sbicard.com/en/eapply.page.
- Choose your card type by reading the features and benefits of the card and click on the ‘Apply Now’ button given below the chosen card variant.
- Click on the ‘Start apply journey’.
- Enter your personal details, professional details and KYC information.
- A representative of the SBI will contact you to take your application further.
- Alternatively, you can also visit the nearest SBI branch to apply for a credit card offline.
Balance Transfer: How to Use the BT Feature and What are the Benefits?
The Balance Transfer (BT) facility on your SBI Credit Card enables you to transfer the outstanding balance on your other credit cards from other banks to your SBI Card at a lower rate of interest. When you decide to pay back this transferred balance in EMIs, the facility is called as BT on EMI.
You can book Balance Transfer on credit card in 3 simple ways:
- Accessing your Online SBI Card Account: Login and click 'Benefits.' Further, select 'Balance Transfer' and fill the application. You can instantly share details and book BT.
- SMS Service: Send text message "BT" to 56767
- SBI Helpline: Call SBI Card helpline and request for BT service.
- You can also Login and speak with Chatbot ELA, for booking BT.
Benefits of booking balance transfer on your SBI Card
- Hassle free, instant booking.
- Converts outstanding credit of other bank cards at a lower rate of interest.
- You can opt to pay back in EMIs.
- Facility to consolidate your credit card dues.
- You get the flexibility to transfer amount ranging from 5000 to 75 % limit of the available card limit.
SBI Credit Card Reward Points
With every swipe, you earn reward points on your SBI Credit Card. These reward points can be redeemed to make several online purchases through associated vendors or through a dedicated online store on www.sbicard.com.
How do you earn reward points?
The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:
- Choose the card type
- Click on "Terms and Conditions" on the left hand side
- Click on the "Shop and Smile" reward program
- The points that you have earned will be mentioned under the "Points Earned Accumulated/ Redeemed" section in your account.
How to check your rewards summary?
To check the rewards that you have earned:
- Refer to your latest statement
- Log on to your account on sbicard.com. Go to the Dashboard and find the reward points and summary section.
- SMS "Rewards XXXX" to 5676791 from your registered mobile number. XXXX stands for the last four digits of your Credit Card.
How to redeem the reward points?
- You can redeem your reward points against Gift Vouchers through www.sbicard.com or on the SBI Card mobile app. In the "Rewards" section, click on "Redeem rewards" to see the various vouchers available.
- You can also redeem your reward points against cash. Call the helpline or write to customer care on the email link provided on www.sbicard.com.
Also Read - SBI Credit Card Reward Points Convert to Cash
SBI Credit Card Bill Payment
You have both online and offline options to pay your Credit Card bill.
Online SBI Card bill payment
The various online SBI Credit Card Payment options available are as follows:
- NEFT payment
- Paynet - Pay Online
- Visa Credit Card Pay
- Using internet banking services of your SBI current/ savings account
- Electronic bill payment using the SBI Credit Card net banking services of your current bank account.
- National Automated Clearing House
- Use any debit card to pay the SBI Card bill online through your account.
- Pay via SBI mobile app
- Pay via UPI
- Pay Via YONO
Offline SBI credit card payment options
- You can pay over the counter in your nearest SBI branch.
- Deposit payment cheques in electronic drop boxes.
- Drop payment cheques at your nearest SBI drop box.
- Pay using your SBI Debit Card via any SBI ATM.
SBI Credit Card FAQs
Depending on your lifestyle and usage, you can select among a variety of SBI credit cards that give value back. For example:
- Tata Platinum Card gives you up to 5% value back on spending at selective outlets.
- Tata Titanium Card gives you 1.5% value back on spending at Croma and cromaretail.com, and up to 5% value back on spending at Tata Outlets.
- SBI Card Unnati gives you Rs. 500 cashback on annual spending of Rs. 50,000.
- BPCL SBI Card gives you a 4.25% value back and 13X Reward Points on spending every Rs. 100 on fuel purchases.
- Chennai Metro SBI Card gives you 2000 Bonus Cash Points on spending Rs. 2,000 in the first 60 days.
SBI credit cards are loaded with various unique features, such as:
- Lower interest option: You can transfer the outstanding balance of your other credit cards to the SBI credit card at the lower interest rate or simply convert your transactions into EMIs.
- Encash: You can avail Encash with SBI Card up to or above your credit limit and get funds transferred into your account within 48 hours to fulfil your financial needs.
- Insurance: SBI credit card gives you three different types of insurance covers to choose from, empowering you to handle health issues, accidents, card loss/ theft more easily.
- Bill payment: Pay your utility bills easily with features like Auto Pay, Register & Pay, and Fast Pay.
Salary requirements may vary for different credit cards offered by SBI. However, usually, the bank requires you to have a minimum monthly salary of Rs. 20,000.
SBI SimplySave Credit Card and SBI SimplyCLICK Credit Card rank best among the list of best SBI credit cards for salaried employees due to their unique features. These cards have low annual fees & joining fees and offer bonus points & reward points on each transaction. The fees for SBI SimplyCLICK Credit Card can be waived off on achieving the spending milestone in an annual year.
You can choose the card that suits your lifestyle and needs in the best way
Yes. You can have more than one credit card from SBI as long as you meet their qualification criteria. If you have always managed your current credit card efficiently, it can be easier for you to get approval for the new credit card.
SBI offers a range of credit cards to choose from which starts from shopping, lifestyle, rewards, lifetime, travel and fuel cards. Some of the best SBI Credit cards that give exclusive benefits to customers are Simply CLICK SBI Card, SBI Card Elite, Simply SAVE SBI Card, SBI Card Unnati, Doctor's SBI Card.
You need to have a regular income in order to apply for SBI Credit Card. You can avail SBI Credit card with a minimum salary of Rs. 20,000 per month but if you want a credit card as per your choice you must fulfill the higher eligibility norms.
No, you can't. You need to have a minimum salary of Rs. 20,000 month for availing SBI Credit Card.
Yes, you can easily convert SBI Credit card reward points into cash provided if your card carries the feature of redeeming into cash. You can redeem the reward points into cash by various options like write an email by login into the net banking of SBI credit card or call at the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and request for the points conversion in cash.
Reward points on your SBI Credit Card account can be redeemed in several ways. For Gift Voucher, redeem through sbicard.com or SBI credit card application. You can review rewards catalogue online and redeem points there itself.
You can directly mail to the bank at sbicard.com/email or call the SBI Credit Card helpline for redemption against cash.
You get complete flexibility to make the payment for your SBI Credit Card. You can choose the mode according to your convenience. The available options are:
- Online net banking
- NEFT
- NACH or National Automated Clearing House
- SBI Auto Debit
- Paynet-Pay Online
- SBI Mobile Banking
- Online SBI
- Debit Card
- Mobile App Payment
- Visa Credit Card Pay
- Electronic Bill Payment
- Over the Counter
- SBI ATM
- Electronic Drop Box
- Manual Drop Box
Before you write for the delayed transaction status, make sure there is no bank holiday during the waiting time. If there is one, you should wait for another day.
- Write your complaint here: sbicard.com/email
- You can also call helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code)
- It is entirely hassle-free to apply for an Add-On Credit Card.
- Login with your User ID & Password on sbicard.com and apply for Add-on Card on your Account.
- You can also download the form for Add-on Card on official SBI credit card website: www.sbicard.com and send the duly filled form on the corporate office in Delhi.
- The address is SBI Cards and Payment Services Ltd, P.O Box No-16, G.P.O, New Delhi-110001
Alternatively, you can contact MyMoneyMantra to get an answer to your credit card queries.
The Credit Limit is shared between the Primary Card and Add-On Cards. The Add-On card holder thus can use an Add-on Card up to the total credit limit of the account. However, the primary cardholder can set up a credit limit on the Add-on Card. The request for the same can be made by accessing the credit card account online.
Currently, SBI Cards allow following BT plans:
| Tenure | Rate of Interest | Processing Fee |
| 60 days | 0% per month | 2% or Rs. 199 (whichever is higher) |
| 6 months | 1.7% per month | Nil |
As for BT on EMI, SBI offers these plans:
| Tenure | Rate of Interest | Processing Fee |
| 3 months | 0.75% per month | 1.5% or Rs. 199, (whichever is higher) |
| 6 months | 1.27% per month | 1.5% or Rs. 199, (whichever is higher) |
No, BT service cannot be booked for another SBI Card that you own. It is only available to transfer balance outstanding on other bank cards.
The limit for balance transfer varies as per the card holder's available credit limit. The limit for the minimum balance transfer is Rs. 5,000, where the maximum cap is 75% of the available limit to you. When you book the balance transfer, the maximum available limit is communicated to you.
No, BT can be booked only by primary cardholders.
No, the facility of Balance Transfer can only be availed for the cards owned by the primary cardholder in his/her name.
If you are an SBI credit cardholder you can get your limit revised:
- If you are pre-approved for credit limit offer. You would not need any document to avail such an SBI Credit Card offer. The bank will inform you about the offer by SMS to your registered Mobile Number, Email, Monthly Statement or online in your Login Section.
- You can request formally to the bank and submit income documents. You are required to email bank at sbicard.com/email and wait for a response for 2 working days. You can also contact SBI Card helpline number.
- You can also contact MyMoneyMantra Credit Card Team for all your SBI Credit Card details, queries, and requests.
You can access your Credit Card account online and click Report Lost/Stolen Card' under Tab 'Requests.'
To request a re-issue, click Reissue Card and submit the request.
You must raise a transaction dispute within 25 days of the transaction by filling a Transaction Dispute Form (TDF) and supporting Documents (as mentioned in the TDF). The TDF is available on the central section on the official SBI Card website. On availing TDF, the SBI Card is authorized to investigate the dispute with the respective Merchant. It may take 45-60 days to resolve the dispute. The SBI Card will acknowledge the request as well as resolution via written communication.