SBI Corporate Credit Cards: Features and Benefits

SBI Card offers a range of corporate cards that cater to the needs of businesses. These cards come with benefits targeted at businesses and corporates such as access to spend management tools, complimentary lounge access, insurance covers and more. If you are looking for a Business Credit Card for your organisation, here are the details about top SBI Corporate Credit Card, their features and benefits, fees, eligibility and more.

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Best SBI Corporate Credit Cards

Card Name	Annual Fee	Best For
SBI Signature Corporate Card	Rs. 499	Corporates seeking premium travel benefits and comprehensive insurance coverage
SBI Platinum Corporate Card	Nil	Businesses looking for corporate expense management with domestic lounge access
SBI Corporate Utility Card	Nil	Businesses managing recurring utility bill payments
SBI Corporate Purchase Card	Nil	Businesses looking to control and track procurement and merchant-related expenses
SBI Central Travel Account Card	Nil	Corporates centralising employee travel bookings and managing travel budgets

SBI Corporate Credit Cards – Features and Benefits

SBI Signature Corporate Card

Joining Fee: Nil

Annual Fee: Rs. 499 + GST

Access to Visa Intellilink spend management tool
Complimentary Priority Pass membership worth $99 offering access to over 600 airport lounges across the globe
Travel insurance cover for employees worth Rs. 1 Crore
Air accident insurance cover worth up to Rs. 1 Crore
Insurance cover against fraud by employees up to Rs. 60 Lakh for each corporate entity
Concierge service with personalized customer service assisting with travel bookings, gifting, and more

SBI Platinum Corporate Card

Joining Fee: Nil

Annual Fee: Nil

Access to Visa Intellilink spend management tool to have better control over your spends
Priority Pass membership worth $99 at an annual charges of Rs. 180 (plus taxes) only
2 complimentary domestic lounge visits per quarter at Visa Lounges
Travel insurance cover for employees
Insurance cover against fraud up to the credit limit of the card (max. Rs. 2 Lakh)
Concierge service with personalized customer service

If airport lounge access is a priority, compare these benefits with other Best Credit Cards for Airport Lounge Access to determine which card best suits your business travel requirements.

SBI Corporate Utility Card

Joining Fee: Nil

Annual Fee: Nil

Bill Desk Bill Pay facility for corporates for better convenience, security and control over utility bill payments
Insurance cover against fraud up to the credit limit of the card, subject to maximum Rs. 2 Lakh
Access to Visa Intellilink Spend Management Tool
Get complete history of transactions through user-friendly reports

SBI Corporate Purchase Card

Joining Fee: Nil

Annual Fee: Nil

Access to Visa Intellilink Spend Management System
Facility to control spends at non-permitted merchant categories
Option to put spending limit on select merchant categories
Get complete spend analysis on merchant payments along with category-wise tracking
Protection against employee fraud

SBI Central Travel Account Card

Joining Fee: Nil

Annual Fee: Nil

Single centrally-billed account for all corporate travel bookings
Monitor and manage travel expenses effectively
Put spending limits on daily, weekly or monthly basis

Which SBI Corporate Card is best for you?

Different corporate cards by SBI come with different benefits and the best SBI corporate card for you would be the one that perfectly aligns with your corporate spending needs. Below are some of the scenarios where you can choose these cards:

Scenario	SBI Corporate Credit Card
You want premium travel benefits and comprehensive insurance coverage for employees	SBI Signature Corporate Card
You want domestic airport lounge access along with corporate expense management features	SBI Platinum Corporate Card
You want to manage recurring utility bill payments conveniently and securely	SBI Corporate Utility Card
You want better control over procurement expenses and merchant-specific spending	SBI Corporate Purchase Card
You want to centralise corporate travel bookings under a single billing account	SBI Central Travel Account Card

SBI Corporate Credit Card Fees and Charges

The table below shows the fees and charges applicable to SBI Corporate Credit Cards with corporate liability. These SBI Credit Card Fees and Charges may differ for cards with individual liability.

Fee/Charge	Amount/Rate
Annual Fee	Varies from card to card
Finance Charges	Up to 3.35% p.m. (40.2% p.a.)
Cash Advance Fee (at domestic ATMs)	2.5% of the withdrawn amount or Rs. 500 whichever is higher
Cash Advance Fee (at international ATMs)	Up to 3% of the withdrawn amount or Rs. 500 whichever is higher
Forex Mark-up Fee	3.5%
Late Payment Fee	· NIL for Outstanding Amount due from Rs.0-Rs.200 · Rs.100 for Outstanding Amount due greater than Rs.200 & up to Rs.500 · Rs.400 for Outstanding Amount due greater than Rs.500 & up to Rs.1000 · Rs.500 for Outstanding Amount due greater than Rs.1000 & up to Rs.10,000 · Rs.750 for Outstanding Amount due greater than Rs.10,000

Note: The above fees and charges are for Corporate Cards with Corporate Liability. Charges for Corporate Cards with Individual Liability could be different.

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

How to Apply for a Credit Card Online?

Step 1: Enter your mobile number

Step 2: Enter OTP to verify your mobile number

Step 3: Explore pre-qualified credit card offers from top issuers

Step 4: Select your preferred card and complete the digital application

FAQs

Which is the best SBI Corporate Credit Card?

The best SBI Corporate Credit Card depends on your business requirements. The SBI Signature Corporate Card is suitable for corporates seeking premium travel benefits and comprehensive insurance coverage. For utility bill payments, procurement expenses and centralised travel bookings, you can consider the SBI Corporate Utility Card, SBI Corporate Purchase Card and SBI Central Travel Account Card, respectively.

Can self-employed individuals apply for an SBI Corporate Credit Card?

SBI Corporate Credit Cards are primarily designed for businesses and corporate entities to manage their expenses. Eligibility depends on the card variant and SBI Card's application requirements. If you are exploring Credit Cards for Self-Employed individuals for personal or business-related expenses, compare the available options based on your income, credit profile and spending needs. You should check with SBI Card to confirm whether their business structure and documentation meet the eligibility criteria.

Does SBI Corporate Credit Card offer airport lounge access?

Yes, select SBI Corporate Credit Cards offer airport lounge access. The SBI Signature Corporate Card provides complimentary Priority Pass membership, which offers access to over 600 airport lounges globally. The SBI Platinum Corporate Card offers two complimentary domestic lounge visits per quarter at Visa lounges. The applicable access conditions, charges and usage terms may vary by card.

What is the limit of SBI Corporate credit card?

The credit limit on an SBI Corporate Credit Card depends on the cardholder's eligibility, the business's financial profile and SBI Card's assessment. The exact limit is determined by the issuer at the time of approval.

Does SBI Corporate Credit Card offer GST payment benefits?

SBI Corporate Credit Cards can help businesses manage eligible business expenses and maintain transaction records that may support accounting and expense tracking. However, specific GST payment benefits, such as rewards on GST transactions or GST-related fee waivers, are not specified.

Is SBI Corporate Credit Card worth it for SMEs?

An SBI Corporate Credit Card can be useful for small and medium-sized enterprises (SMEs) that want to streamline business spending, improve expense tracking and establish spending controls.