SBI Credit Card

SBI SimplySAVE and SBI SimplyCLICK are two most popular entry level SBI credit cards offered to beginners. Both of these cards come at an annual fee of Rs. 499 and are good for you if you are new to credit cards and do not wish to pay a high annual fee. However, note that while SimplySAVE is a good option to save on your shopping spends, SBI SimplyCLICK is beneficial if you frequently shop online.

All SBI credit cards have unique set of benefits, however, there are some features common to almost all SBI Cards.These include global acceptance, contactless payments, add-on cards, balance transfer of EMIs for outstanding balances on other bank’s credit cards, flexipay to convert purchases above Rs. 2,500 into EMIs and Easy Bill Pay facility for the payment of utility bills such as electricity, phone bill, insurance, etc among others.

To apply for an SBI credit card offline, you will have to visit the nearest branch of the State Bank of India. There you can meet one of their credit card representatives; share your requirements and what you expect from your credit card. Based on this, the representative will suggest a credit card along with its features and benefits. If you are satisfied, you can fill out the credit card application form and submit it along with the required documents. You will receive your credit card in a few days.

You can redeem the accumulated reward points on SBI credit cards online by logging into SBI Card’s official website or by visiting the partner merchant store. Alternatively, you can call the SBI credit card helpline to redeem your reward points. Note that points can be redeemed in the multiple of 2000 unless otherwise stated. Click here to know more about SBI credit cards reward points redemption.

You can pay your SBI Credit Card bill online as well as offline. For online payments you can consider NEFT, PayNet (Billdesk), Internet Banking, NACH, SBI Mobile Banking, Debit Card, and SBI Card App. For offline payments you can make over the counter payments via cheque or DD or via ATM.

SBI Card customers can contact SBI care for any query via call and SMS. SBI credit card customer care toll-free number is 1860180 1290/1800 180 1290. The customer care executives will be available from 8 am to 8 pm from Monday to Saturday. You can also send an SMS to 5676791 with text HELP from your registered mobile number. Alternatively, you can fill the complaints form available on the official website.

SBI offers a number of credit cards that can offer benefits specific to varying customer needs. To choose the best credit card for you , you must analyze your spending pattern across different categories. For instance, if you are looking for a travel credit card from SBI you can consider opting for Air India SBI Signature Credit Card, IRCTC SBI Card Premier, Club Vistara SBI Card Prime, or Yatra SBI Credit Card etc. For savings on fuel, you can look for BPCL SBI Card Octane. Similarly for benefits on shopping spends, SBI SimplyCLICK or SBI SimplySAVE will be a good option. Thus, choosing the right card for you is a subjective choice.

If you have applied for an SBI credit card and wish to track your application status, you can do it either online or offline. For online tracking of your application, you can visit the official website of SBI Card, and look out for option ‘Track your application’. Here you need to enter your application/reference number. In addition to that, you can also follow the offline way by contacting the SBI credit card customer care at 1860-180-1290.

In case your SBI card is lost or stolen, you should immediately report this and get your card blocked, in order to avoid any fraudulent activity. You can block your SBI credit card via Net Banking, SMS, or by contacting the customer service. For blocking the card via Net Banking, you can go to the ‘Services’ tab after logging in to your Net Banking account. For blocking via SMS facility, send BLOCK XXXX to 5676791 from your registered mobile number. Here XXXX is the last four digits of your card number.

If you want to compare and apply for an SBI credit card online, then Paisabazaar is a good option since SBI Card is a credit card partner with Paisabazaar. To apply, fill in your mobile number in the credit card application form, provide OTP for authentication, and select your preferred SBI credit card. You can apply through a completely digital process, with expert assistance and hassle-free documentation.

The minimum and maximum SBI credit card limit varies from one individual to another based on certain factors such as debt-to-income ratio, monthly salary, annual ITR (in case of self-employed), and occupation type. If you want to know your credit card limit, and want to increase or decrease it, you can contact SBI credit card customer care for further details.

SBI credit card eligibility may vary across all credit cards, for instance, the income requirement may vary across premium credit cards and entry-level credit cards. However, in general, you must be aged between 18 to 60 years with a stable source of income. You must also check the serviceable city where SBI Cards issue credit cards and specific eligibility parameters of the card you wish to apply for before applying.

Any credit card if used wisely and chosen as per spending patterns is good. Therefore, it is good to use an SBI card based on your preferred lifestyle choices. For instance, SBI SimplyClick is a good option for an entry-level card with benefits for online shopping, whereas, SBI SimplySave is good for shopping across merchants. Similarly, BPCL SBI Octane Credit Card is good if you frequently use your card on fuel spending, as the card offers maximum value-back on fuel purchases.

Yes, you can withdraw money using your SBI credit card. However, withdrawing money via your credit card is costly in comparison to cash withdrawals via a debit card. SBI Card charges a cash withdrawal fee of 2.5% or Rs. 500 whichever is higher along with the finance charges from the date of withdrawal until the date of full payment. Also, when you withdraw money from your credit card, all new transactions become ineligible for the interest-free period adding on to your finance charges until the amount is paid off in full.

Some popular SBI credit cards in India are: SBI SimplyClick: Rs. 499 (Online Shopping), SBI SimplySave: Rs. 499 (Shopping), BPCL SBI Card: Rs. 499 (Fuel), SBI Card Elite: Rs. 4,999 (Rewards & Travel)and IRCTC SBI Platinum Credit Card: Rs. 499 (Railway Travel).