SBI Credit Card Types
State Bank of India, a pioneer in the Indian banking sector, understands the evolving needs of its customers. This understanding is reflected in the vast array of SBI credit card types offered. With features tailored for shopping, travel, dining, fuel, and more, SBI ensures that every cardholder enjoys a seamless and rewarding experience.
Top Credit Cards Provided by SBI Bank
For clarity and easy understanding, let's segment the various SBI credit card types and annual charges into categories and delve deeper into their specifics:
| Category | Card Name | Key Features | Joining Fee |
| Shopping | SBI SimplyClick Credit Card | - 10x Reward Points on online spends. Amazon.in gift card as a welcome gift | Rs. 499/- |
| SBI SimplySave Credit Card | - 10x Reward Points on dining, movies, and grocery spends. Easy redemption against a wide array of gifts | Rs. 499/- | |
| Travel | SBI Air India Signature Card | - 20 Reward Points per ₹100 spent on Air India flights. Complimentary lounge access | Up to 4,999 (one time) |
| SBI IRCTC Platinum | - 10% value back on AC1, AC2, AC3 train tickets. 350 activation bonus Reward Points on spending ₹500 or more within 45 days | Rs. 500 + GST- | |
| Dining | SBI Elite Credit Card | - Up to 50,000 bonus Reward Points annually. Free movie tickets worth ₹6,000 every year | Up to 4,999 (one time) |
| Fuel | SBI BPCL Card | - 13x Reward Points on fuel spends at BPCL. 1% fuel surcharge waiver | Rs. 499/- |
| Lifestyle | SBI Card PRIME | - 20 Reward Points per ₹100 spent on utility bill payments. Complimentary Club Vistara and Trident Privilege membership | Rs. 2,999 + Tax |
Note: The features mentioned for above SBI card types are subject to change as per the bank's discretion and may vary based on the card's latest offering.
Benefits of Choosing SBI Credit Cards
Wide Range of Options
With a plethora of options available, SBI credit card types ensure that there is a card for every individual's unique needs.
Rewarding Experience
From shopping and dining to travel and fuel, every spend on an SBI card yields rewards. These rewards can be redeemed for a wide array of gifts, making your expenditures worthwhile.
Security
All SBI credit cards are equipped with EMV Chip and PIN technology, ensuring complete transactional security.
Global Acceptance
SBI credit cards are accepted globally, making them your perfect travel companion. Whether you're dining at a restaurant in Paris or shopping in New York, your SBI card has got you covered.
Easy Application and Approval Process
The process to apply for any SBI credit card types is straightforward and hassle-free. With online applications and minimal documentation, you can get your card in no time.
Dedicated Customer Support
SBI provides dedicated 24x7 customer support for all card-related queries, ensuring peace of mind for its cardholders.
SBI Co-branded Credit Cards
SBI is indeed renowned for its diverse range of co-branded credit cards, which it offers in collaboration with various industry leaders to cater to specific segments of customers. These SBI card types are particularly beneficial for individuals who frequently utilize services or products from these partnered brands.
Let's delve deeper into some popular co-branded SBI credit card types -
SBI Credit Card Types which are Co-Branded
| Card Name | Partnership With | Key Features |
| SBI Air India Signature Card | Air India | - Accumulate Air India miles on every spend. - Complimentary lounge access - Enhanced baggage allowance |
| SBI IRCTC Platinum Card | Indian Railways (IRCTC) | - 10% value back on AC train tickets booked via IRCTC - 1% fuel surcharge waiver on every transaction |
| SBI BPCL Card | Bharat Petroleum | - Earn reward points on fuel spends at BPCL outlets - Fuel surcharge waiver |
| SBI Yatra Card | Yatra.com | - Exclusive discounts on travel bookings via Yatra.com - Reward points on all spends |
| SBI Fbb StyleUP Card | Fbb and Big Bazaar | - Flat 10% off on apparel at Fbb and Big Bazaar stores - Reward points on all retail spends |
| SBI Club Vistara Card | Vistara Airlines | - Earn Club Vistara points on every spend - Premium lounge access - Priority check-in and additional baggage allowance |
Benefits of Co-branded SBI Credit Cards
- Exclusive Offers: Co-branded cards often come with exclusive offers, discounts, and privileges with the partnering brand.
- Higher Reward Points: These cards tend to offer higher reward points or cashback when used with the partnered brand or service.
- Brand Loyalty Rewards: For those loyal to a particular brand, these cards enhance the overall experience by providing added advantages every time the brand's services are utilized.
- Special Access: Co-branded cards might offer priority access, special seating, or other exclusive benefits, especially in the case of airline or travel-related cards.
It's essential to remember that while co-branded cards provide enhanced benefits with the specific partner brand, they might offer comparatively lesser rewards when used elsewhere. Therefore, potential users should assess their spending patterns and brand preferences before opting for a co-branded card.
SBI Credit Card Types FAQs
There is not any particular card that can be termed as the best SBI credit card. It depends on your specific needs and spending habits. SBI card types come with different features and benefits, such as cashback, rewards, fuel surcharge waiver, and more. It's crucial to assess your requirements and compare the various options available.
The best SBI credit card for beginners can be either SBI SimplyClick or SimplySave card. They offer straightforward reward structures and are relatively easy to get approved for, with minimal fees and charges.
For a low salaried person, considering a card with low annual fees and interest rates is essential. SBI Unnati Card could be the best SBI card for a low salaried person as it has no annual fee for the first four years.
You earn reward points on SBI credit cards by making eligible purchases. The number of points you earn per transaction depends on the card type. You can redeem these points through the SBI Card website or mobile app for a variety of rewards, including gift vouchers, products, and travel bookings.
SBI offers various types of credit cards, including lifestyle, rewards, shopping, travel, and fuel cards, each catering to different needs and preferences. It's best to visit the official SBI Card website for the most up-to-date and comprehensive list of offerings.
The SBI credit card eligibility is primarily as follows
- Age criteria (typically 21 to 60 years for salaried and 21 to 65 for self-employed)
- Stable monthly income
- Good credit score
- Indian residency or should be a Non-Resident Indian
The four general types of credit cards are:
- Standard Credit Cards: Basic cards with no frills, often with a low credit limit and minimal rewards.
- Rewards Credit Cards: Offer reward points or cashback on your purchases, which can be redeemed for goods, services, or statement credits.
- Secured Credit Cards: Require a security deposit and are often used to build or repair credit history.
- Premium Credit Cards: Come with higher credit limits and additional benefits but often have higher fees and interest rates.
To determine the best card for you, follow these steps:
- Assess Your Needs: Identify your spending habits, requirements, and financial goals.
- Compare Options: Compare the various credit card options available based on your needs.
- Check Eligibility: Ensure you meet the eligibility criteria for the selected card.
- Consider Fees and Charges: Look at the annual fees, interest rates, and other charges.
- Read Reviews: Go through user reviews and expert opinions.
Always read the terms and conditions before applying for any best SBI credit card, and consider seeking advice from a financial advisor to understand which card would be the best fit for your financial situation and lifestyle.
You can dial 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free) to reach the SBI credit card customer care team.
You can do SBI Credit Card PIN generation through various methods, such as through the website, mobile app, or ATM. Below are the steps for each method:
Online Through Website:
- Visit the official SBI Card website.
- Log in to your account.
- Go to ‘My Account’ on the left side of the screen.
- Select 'Manage PIN'.
- Choose the credit card for which you want to generate the PIN.
- Enter the OTP received on your registered mobile number.
- Set your desired 4-digit PIN.
- Confirm the new PIN.
Through Mobile App:
- Open the SBI Card mobile app and log in.
- Go to the 'Services' tab.
- Select ‘Manage PIN’.
- Choose the card for which you want to generate the PIN.
- Enter the OTP received on your registered mobile number.
- Set and confirm the new 4-digit PIN.
SBI credit card interest rates can vary depending on the SBI credit card types and the user's creditworthiness. Typically, it ranges from 3.35% to 3.5% per month, translating to around 40% to 42% annually. However, this can change and it’s always best to check the most current rates directly from the SBI Card website or contact SBI customer service for the exact details applicable to the specific card and your account.
You can check your SBI credit card application status online or by contacting SBI customer care. Here are the steps for each method:
Checking SBI credit card application status online:
- Visit the Official SBI Card Website:
- Go to www.sbicard.com.
- Find the ‘Track Application’ Option:
- Click on the ‘Credit Cards’ tab, and you'll find ‘Track Application’ in the dropdown menu, or it might be directly visible on the homepage.
- Enter Details:
- You will be prompted to enter your application number. If you don’t have the application number, you can also enter your registered mobile number.
- Check Status:
- After entering the details, click on ‘Track’ or ‘Submit.’ Your application status will be displayed on the screen.
Checking SBI credit card application status through Customer Care:
- Call Customer Care:
- Call SBI Card customer care at the toll-free number 1800 180 1290 or the non-toll-free number 1860 180 1290.
- Provide Details:
- Provide your application/reference number to the customer care representative.
- Get Status:
- The representative will check the details and inform you of the current status of your application.
The status can show various results like ‘in-process’, ‘approved’, ‘dispatched’, or ‘disapproved’, depending upon the stage at which your application currently is.