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SBI Card offers 50+ credit cards to match the varying needs of the customers. Among so many options available for SBI Credit card types, it can be difficult to compile the best list for you. The right card would be the one that offers benefits aligned to your needs and provides you the highest value back. So, if you want an SBI Credit Card, but are not sure about which card is best for you, here is the best SBI Credit Cards list to help you.

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Best SBI Credit Cards for October 2024

SBI Elite Credit Card

sbi-elite-credit-card
4/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

5X reward points on dining, grocery and departmental store spends

Complimentary Priority Pass, Club Vistara Silver membership

Travel
Reward Points
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Product Details

  • 2 reward points per Rs. 100 spent on other categories
  • Up to 50,000 bonus reward points as milestone benefits
  • 6 complimentary international lounge access in a year; 1.99% forex mark-up fee
  • Up to 8 complimentary domestic lounge access per year, 2 per quarter
  • Free movie tickets worth Rs. 6,000 in a year
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Air India SBI Signature Credit Card

air-india-sbi-signature-credit-cards
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

20,000 reward points and complimentary Air India Frequent Flyer program membership as welcome benefits

Up to 1 Lakh bonus reward points as milestone benefit every year

Travel
Co-branded
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Product Details

  • Up to 30 reward points for every Rs. 100 spent on Air India
  • Redeem reward points at a value of 1 Reward Point = 1 Air Mile
  • 5,000 bonus reward points every year on card renewal
  • 8 complimentary domestic lounge access every year
  • Complimentary Priority Pass Membership
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SBI Prime Credit Card

sbi-prime-credit-card
4/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

5X reward points on dining, groceries, departmental stores, and movies

8 international Priority Pass & 4 domestic airport lounge visits per year

Travel
Shopping
Reward Points
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Product Details

  • 10X reward points on birthday spends; 2 reward points per Rs. 100 on other retail purchases
  • Complimentary Club Vistara Silver membership
  • E-gift vouchers worth Rs. 3,000 of popular brands, such as Yatra, Pantaloons, etc., as welcome benefits
  • Pizza-hut gift voucher worth Rs. 1,000 on quarterly spend of Rs. 50,000
  • Yatra/ Pantaloons gift voucher worth Rs. 7,000 on spending Rs. 5 lakh in a year
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BPCL SBI Card Octane

sbi-bpcl-credit-card-octane
4/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

7.25% value back on BPCL fuel expenses

10X rewards on dining, movies, groceries & departmental store spends

Co-branded
Fuel
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Product Details

  • 25 reward points per Rs. 100 spent on BPCL fuel, lubricants & Bharat Gas; 1 reward point on others
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on BPCL fuel spends of up to Rs. 4,000
  • 6,000 reward points as welcome bonus on fee payment, 1 RP = Rs. 0.25
  • 4 complimentary visits per year to domestic Visa lounges in India
  • Fee waived on Rs. 2 lakh annual spends & Rs. 2,000 e-gift voucher on Rs. 3 lakh annual spends
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IRCTC SBI Card Premier

irctc-sbi-card-premier
3/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

10% valueback on AC1, 2 & 3, ECC & CC bookings via IRCTC

Rewards redeemable on IRCTC in 1:1 ratio

Travel
Check Eligibility

Product Details

  • 2,500 and 5,000 reward points on Rs. 50,000 and Rs. 1 lakh annual travel spends respectively
  • Rs. 10 lakh rail accident insurance, Rs. 50 lakh air accident cover & Rs. 1 lakh fraud liability cover
  • Save 1% transaction charges on IRCTC railway tickets & 1.8% transaction charges on IRCTC airline tickets
  • 8 complimentary visits to railway lounge in a year (Max. 2 per quarter)
  • 3 reward points per Rs. 125 spent on dining & utilities & 1 reward point per non-fuel retail spends
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Yatra SBI Card

yatra-sbi-credit-card
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Yatra.com vouchers worth Rs. 8,250 as joining benefit

Up to Rs. 4,000 off on flight bookings through Yatra.com

Travel
Co-branded
Reward Points
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Product Details

  • Rs. 1,000 off on domestic flight bookings on a minimum transaction of Rs. 5,000 at Yatra
  • Rs. 4,000 off on international flight bookings on a minimum transaction of Rs. 40,000 at Yatra
  • 20% off on domestic hotel bookings on a minimum transaction value of Rs. 3,000 at Yatra
  • 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment & international spends
  • 1 reward point per Rs. 100 spent on other categories
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SBI SimplyCLICK Credit Card

simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on top online brands - BookMyShow, Swiggy, Myntra, etc.

5X reward points on other online spends

Reward Points
Online Shopping
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Amazon India gift card worth Rs. 500 on joining fee payment
  • Cleartrip/ Yatra e-voucher of Rs. 2,000 each on reaching annual spending milestones of Rs. 1 lakh and Rs. 2 lakh
  • Annual fee waived on reaching Rs. 1 lakh annual spends
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
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SBI SimplySAVE Credit Card

sbi-simply-save-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10x rewards on movies, dining and grocery shopping

2,000 bonus reward points on card activation

Reward Points
Check Eligibility

Product Details

  • 2,000 bonus reward points on card activation
  • 10x rewards on movies, dining, departmental stores and grocery spends
  • Annual fee waiver on spending Rs. 1 lakh in a year
  • 1% fuel surcharge waiver on transactions between Rs. 500 to Rs. 3,000, up to Rs. 100 per statement cycle
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Cashback SBI Card

cashback-sbi-card
4/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

Cashback
Online Shopping
Check Eligibility

Product Details

  • 5% cashback across all online spends with no merchant restriction
  • 1% cashback across all offline spends
  • Earn cashback of up to Rs. 5,000 per month
  • Renewal fee reversed on spending at least Rs. 2 lakh in a year
  • 1% fuel surcharge waiver of up to Rs. 100 per month
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Top Credit Cards in India | Check Top Credit Card Offers

SBI Card ELITE
Air India SBI Signature Credit Card
SBI Card PRIME
BPCL SBI Card Octane
IRCTC SBI Card Premier
Yatra SBI Card
SBI SimplyCLICK Credit Card
SBI SimplySAVE Credit Card
Cashback SBI Card

SBI Card ELITE

Annual Fee: Rs. 4,999

SBI SimplyCLICK Credit Card

SBI ELITE Credit Card is the best credit cards in India with all-round benefits across multiple categories. Though the card charges Rs. 4,999 as annual fee, the benefits, if used to their maximum advantage, surpass the fee by a wide margin. Read more

Key Highlights:

  • Welcome e-voucher worth Rs. 5,000 from any of these brands- Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra
  • Earn 2 reward points for every Rs. 100 spent across all categories
  • Get 5-times more rewards on dining, groceries and departmental store spends
  • Get 2 movie tickets worth Rs. 250 each per month from BookMyShow
  • Complimentary memberships to Priority Pass and Club Vistara Silver
  • Low foreign exchange markup fee of 1.99% only
  • Earn up to 50,000 reward points worth Rs. 12,500 in a year on reaching different spending milestones
This is the best credit card in SBI for earning all round benefits across multiple categories- travel, dining, movies, rewards, etc. You can consider getting SBI Card Elite if you are a high spender and put most of your expenses on your credit card.

Also Read: SBI Elite Credit Card Review | Check Eligibilty & Apply Online

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Air India SBI Signature Credit Card

Annual Fee: Rs. 4,999

Launched in collaboration with Air India, this SBI travel credit card is best for Air India loyalists. It gives back in the form of reward points which can be converted to Air India Air Miles in 1:1 ratio. Complimentary membership to Air India’s Frequent Flyer Program and Priority Pass Program add to its benefits. Read more.

Key Highlights:

  • 20,000 reward points as a welcome gift upon payment of annual fee within 15 days
  • Complimentary membership to Flying Returns (Air India Frequent Flyer Program)
  • 4 Reward points for every Rs. 100 spent across all categories
  • Earn up to 30 Reward Points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app
  • Convert reward points into Air India Air Miles (1 point = 1 Air Mile)
  • Get 20,000 points on spending Rs. 5 Lakh, 30,000 additional points on spending Rs. 10 Lakh and 50,000 additional points on spending Rs. 20 Lakh in a year
  • Complimentary Priority Pass membership
This card offers the most benefit to travellers who are also Air India loyalists. You can consider getting this card if you are a frequent traveler but also an Air India loyalist. If the annual fee of Rs. 4,999 is too high for you, you can also consider getting the Platinum variant- Air India SBI Platinum Credit Card.

Also Read: Air India SBI Signature Credit Card Review | Check Eligibility & Apply Online

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SBI Card PRIME

Annual Fee: Rs. 2,999

SBI Card Prime

Possibly the best credit card for rewards in its fee range, SBI PRIME Credit Card gives significant value back to high-spenders, especially on categories like dining, movies, groceries and departmental store spends. The card also focuses on travel category offering complimentary Club Vistara Silver membership and Priority Pass Membership. Read more

Key Highlights:

  • Get welcome e-voucher worth Rs. 3,000 from any of these brands- Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com
  • Earn 2 reward points per Rs. 100 on all your spends
  • Earn 5-times more rewards on dining, movies, groceries and departmental store spends
  • Spend Rs. 50,000 in a calendar quarter and get Rs. 1,000 Pizza Hut e-voucher
  • Get renewal fee waiver on spending Rs. 3 Lakh in the preceding year
  • Spend Rs. 5 Lakh and get e-vouchers worth Rs. 7,000 from Yatra/Pantaloons
  • Avail complimentary memberships of Club Vistara Silver and Priority Pass
  • Get 4 free international lounge visits and 8 free domestic lounge visits in a year
SBI Prime Credit Card is a good choice if you are looking for a card that offers high rewards across all categories. The card offers reward benefits on everyday categories like groceries, dining, and departmental stores, along with benefits across hotels, flights, and travel bookings. With this card, you get premium-type benefits, at a justified annual fee of Rs. 2,999.

Also Read: SBI Prime Credit Card Review | Check Eligibility & Apply Online

BPCL SBI Card Octane

Annual Fee: Rs. 1,499

SBI BPCL Octane Credit Card

One of the best fuel credit cards in India, BPCL Octane offers 7.25% value back on your fuel purchases in the form of 25X rewards and 1% fuel surcharge waiver at BPCL petrol pumps. The accumulated points can be easily redeemed at BPCL petrol pumps. Unlike most fuel cards, BPCL Octane also offers lounge access and extra rewards on some other categories. Read more

Key Highlights:

  • Get 6,000 bonus reward points as welcome benefits worth Rs. 1,500
  • Get 7.25% value back on your fuel spends at BPCL in the form of 25X reward points (6.25%) and 1% fuel surcharge waiver (on transactions up to Rs. 4,000)
  • Earn 10 Reward Points on every Rs. 100 spent at Dining, Departmental Stores, Grocery and Movies
  • Avail 4 complimentary domestic lounge visits in a year. Check Best Credit Cards For Free Domestic Airport Lounge Access.
  • Spend Rs. 3 Lakh in a year and get e-vouchers worth Rs. 2,000 from Urban Company, Aditya Birla Fashion, Yatra or Hush Puppies/Bata
  • Get the renewal fee waived off on reaching annual spending limit of Rs. 2 Lakh
BPCL SBI Card Octane is a great choice to earn fuel benefits with BPCL. You can get this credit card if you own a personal vehicle, and fuel spends are a major part of your day-to-day or monthly expenses. You must also ensure that BPCL is your preferred fuel provider over others, or if you don’t mind sticking to BPCL fuel stations.

Also Read: SBI BPCL Octane Credit Card Review | Check Eligibility for Similar Cards

Standard Chartered EaseMyTrip Offer

IRCTC SBI Card Premier

Annual Fee: Rs. 1,499

IRCTC SBI Card Premier

Only a few credit cards in India offer benefits on railway travelling and IRCTC SBI Card Premier is one such card. It provides up to 10% value back on rail ticket bookings along waiver of transaction charges on IRCTC. Previously, SBI Card already had Platinum variant of this card but IRCTC SBI Card Premier, which was launched much later, is clearly a better option among the two. Read more

Key Highlights:

  • Welcome benefit of 1,500 reward points equal to Rs. 1,500
  • Earn 10% Value Back on AC1, AC2, AC3, AC CC as Reward Points
  • Earn 5% value back on air ticket booking and e-catering services booked via IRCTC
  • Get 1 reward point per Rs. 125 spent on all categories except fuel
  • Get 3X points on dining and utility bill payment (via standing instructions)
  • Complimentary rail accident insurance cover
  • 8 complimentary railway lounge access in a year (maximum 2 per quarter)
IRCTC SBI Card Premier is a suitable choice for people looking for benefits and savings around railway travel. You can get this credit card if you frequently travel within India and if you prefer railways over airline travel. However, if the annual fee of Rs. 1,499 seems high, you can check IRCTC SBI Platinum Credit Card, for similar railway travel benefits.

Also Read: Review of SBI IRCTC Platinum and IRCTC Premier Variants | Check Eligibility for Similar Cards

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Yatra SBI Card

Annual Fee: Rs. 499

Yatra SBI Card

One of the best travel credit cards in India, Yatra SBI Card offers a significant discount on your travel bookings with Yatra, whether it is a domestic flight booking, international flight booking or a domestic hotel booking. Read more

Key Highlights:

  • Welcome gift vouchers from Yatra worth Rs. 8,250
  • 1,000 off on domestic flight bookings with Yatra on transactions worth Rs. 5,000 or more
  • 4,000 off on international flight bookings with Yatra on transactions worth Rs. 40,000 or more
  • 20% off on domestic hotel booking with Yatra (minimum transaction value- Rs. 3,000)
  • Complimentary air accident cover of Rs. 50 Lakh
  • Earn 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies and entertainment
  • 6 reward points per Rs. 100 spent on International spends
  • 1 reward point per Rs. 100 on all other transactions
  • 4 reward points = Rs. 1
Yatra SBI Credit Card is a co-branded travel credit card with popular travel portal, Yatra.com. This SBI Card  is a good choice for frequent travelers, looking for all-rounder travel benefits, related to flight and hotel bookings. Being an entry-level credit card, the card offers great benefits at an affordable annual fee of just Rs. 499.

Also Read: Yatra SBI Card Review | Check Eligibility for Similar Cards

SBI SimplyCLICK Credit Card

Annual Fee: Rs. 499

SBI SimplyCLICK Credit Card

When it comes to low annual fee credit cards offering good online shopping benefits, SBI SimplyCLICK Card should be considered. It offers accelerated rewards on select brands along with extra rewards on all online spends. Read more

Key Highlights:

  • 10X reward points on online purchases made on Apollo24X7, BookMyShow, Cleartrip, Eazydiner, and Netmeds
  • 5X reward points on all other online purchases
  • 1 reward point per Rs. 100 spent on other categories
  • Spend Rs. 1 Lakh in a year and get e-voucher worth Rs. 2,000
  • Spend Rs. 2 Lakh in a year and get additional e-voucher worth Rs. 2,000
  • Annual fee waived off on spending Rs. 1 Lakh
If you are looking for an entry-level credit card that offers benefits around online shopping, then SBI Simply Click is undoubtedly the right choice for you. This SBI Card offers benefits on everyday brands like Amazon, Netmeds, etc with 5X rewards on all online purchases. Thus, a suitable choice for beginners, who are also high spenders.

Also Read: SBI SimplyCLICK Credit Card Review | Check Eligibilty & Apply Online

SBI SimplySAVE Credit Card

Annual Fee: Rs. 499

SBI Simply Save Credit Card

SBI SimplySAVE is one of the best entry-level credit cards in India offering extra reward points on everyday spending categories like groceries and departmental store spends. With a low annual fee and relaxed eligibility norms, this SBI Card is a good option for beginners. Read more

Key Highlights:

  • Welcome benefit of 2,000 bonus reward points on spending Rs. 2,000 in the first 60 days of card issuance
  • 10x reward points on dining, movies, grocery and departmental store spends
  • 1% Fuel Surcharge Waiver
  • Annual fee waiver on spending Rs. 1 lakh in the previous year
SBI Simply Save Credit Card is a suitable choice, if you are more interested in everyday categories, instead of everyday brands. You can get this card, if you want rewards on all spends, but don’t want a high annual fee card.

Also Read: SBI SimplySAVE Credit Card Review | Check Eligibility & Apply Online

There is no SBI Credit Card with zero annual fee, but you can consider the low fee and relaxed eligibility cards such as SimplyCLICK and SiimplySAVE to save more on your online and offline spends respectively.

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Cashback SBI Card

Annual Fee: Rs. 999
Cashback SBI Card

Cashback SBI Card gives you good value back on your purchases by rewarding you with the cashback. This is one of the best credit cards for online shopping as it gives maximum value back on online transactions. The card also comes with other privileges, such as fuel benefits, spend based annual fee reversal and much more. Read more

Key Highlights:

  • 5% cashback on every online spend without any merchant restriction
  • 1% cashback on all offline spends
  • Renewal fee reversal on annual spends of Rs. 2 lakh
  • 1% fuel surcharge waiver across all petrol pumps in India
Cashback SBI Credit Card is a suitable choice if you are looking for great value back on all online transactions, without any merchant inclinations or restrictions. If you use your card majorly for online spends and can afford to pay an annual fee of Rs. 1,499, you can consider getting this card.
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2 Comments
SANTOSH PATIL
February 20, 2024

which card is more beneficiary for the student to meet there daily needs

Reply
Team PaisaBazaar
February 21, 2024

Since most of the students do not have any source of income, they are not eligible for unsecured cards. However, they can apply for secured credit cards like Kotak 811 #DreamDifferent and Paisabazaar Step UP. If you also earn while being a student then you can apply for entry-level unsecured credit cards, like HDFC Moneyback Plus, SBI SimplyCLICK, ICICI Coral, etc. These cards come with basic features and let you earn rewards and cashback on most of your spends while also helping you build your credit profile.

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