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SBI RuPay Credit Cards

Home Credit Card SBI Credit Card SBI RuPay Credit Cards

SBI RuPay Credit Cards reward the users on all their spends, including UPI transactions, in the form of reward points or direct cashback. In addition, these RuPay cards also come with complimentary airport lounge access and other spend-based milestone bonuses as vouchers of popular brands and platforms, thus offering savings across multiple categories like travel, shopping, dining, movies, etc. Read on to know more about SBI RuPay Credit Cards, along with their features and benefits, and know how to apply for the best-suited one.

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Updated: 23-01-2026 13:01:58 PM

List of Best SBI Rupay Credit Card in India 2026

Given below is the list of top SBI RuPay Credit Cards with their features and benefits to help you compare and choose the most suitable card option:

Reliance SBI Card PRIME
reliance-sbi-card-prime
3.5/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

10 Reward Points per Rs. 100 spent at Reliance Retail Stores

Reliance Retail vouchers of up to Rs. 14,999 on joining

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  • 5 Reward Points per Rs. 100 spent on dining, movies/entertainment, domestic airlines and international spends
  • 2 Reward Points per Rs. 100 spent on other retail spends; 1 Reward Point = Rs. 0.25 for Reliance Retail vouchers
  • Reliance Retail vouchers of up to Rs. 8,750 on up to Rs. 3 lakh annual spends made at select Reliance Retail Stores
  • 8 complimentary visits to domestic and 4 to international airport lounges every year, up to 2 per quarter each
  • 1 free movie ticket a month of up to Rs. 250 & discount offers at select Reliance Retail stores
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SBI Reliance Credit Card
reliance-sbi-credit-cards
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Multi-brand benefits

Accelerated rewards on dining and movies

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  • 5 reward points for every Rs. 100 spent on the participating Reliance Retail Stores
  • 5 reward points for every Rs. 100 spent on Dining & Movies
  • 1 reward point for every Rs. 100 spent on other retail purchases
  • Value of 1 reward point = Rs. 0.25
  • Reliance Retail Voucher worth of Rs. 500 on card activation. Plus, additional benefits of Rs. 3,200
  • 5% cashback, up to Rs. 250 per month on Jio Mart spends
  • 1 RelianceOne point per Rs. 200 on offline spends made on groceries and additional 1 RelianceOne point per Rs. 200 spent on Fashion Factory.
  • Reliance Retail Voucher worth Rs. 500 on annual spends of Rs. 25,000, worth Rs. 750 on annual Spends of Rs. 50,000 and Rs. 1,000 on annual spends of Rs. 80,000.
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Shaurya Select SBI Card
shaurya-select-sbi-credit-card
3.5/5

Joining fee: ₹1499

Annual/Renewal Fee: ₹1499

5X rewards on CSD, dining, movies, departmental and grocery stores

4 complimentary domestic lounge visits every year

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  • Pizza Hut e-gift voucher worth Rs. 500 on spending Rs. 50,000 in a quarter
  • Yatra/Pantaloons e-gift voucher of Rs. 7,000 on annual spends Rs. 5 Lakh
  • 1,500 reward points every year on the payment of renewal fee
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Shaurya SBI Card
shaurya-sbi-credit-card
3/5

Joining fee: ₹250

Annual/Renewal Fee: ₹250

5X rewards on CSD, dining, movies, departmental and grocery stores

1,000 reward points at the time of joining

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  • 1 reward point per Rs. 100 spent on other categories
  • Annual fee waiver on spending Rs. 50,000 or more in a year
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000
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On this page:
Advantages of SBI RuPay Credit Cards
Fees and Charges of SBI RuPay Cards
Eligibility Criteria to Apply for the SBI Rupay Credit Cards
How to Get an SBI Rupay Credit Card?
FAQs

Advantages of SBI RuPay Credit Cards

SBI Rupay cards come with the following advantages for the cardholders:

  • UPI Integration: You can seamlessly link your SBI RuPay credit card to any of the UPI apps to make instant online UPI payments using your SBI credit cards.
  • Rewards on Card Spends: SBI RuPay credit cards offer reward points as well as cashback across spending categories, like travel, shopping, dining, UPI, movies and many more.
  • Global Acceptance: Though RuPay is an Indian card network with an extensive domestic acceptance, RuPay cards are also accepted worldwide.
  • Secure Transactions: Since RuPay network is backed by NPCI, SBI RuPay cards are known to be quite reliable and secure.

Also Check: Best Rewards Credit Cards

Fees and Charges of SBI RuPay Cards

Here are some of the SBI RuPay Credit Card charges that you must keep in mind:

Fees & Charges Amount Details
Joining/Annual Fee Varies as per the SBI RuPay card variant
Finance Charges 3.75% p.m. or 45% p.a.
(2.75% p.m. or 33% p.a. for SBI Shaurya, Defence and Secured cards)
Cash Withdrawal Charges 2.5% of transaction amount, subject to a min. of Rs. 500
Forex Mark-up Fee 3.5% for all SBI RuPay credit cards
Late Payment Fees On outstanding amount of –
Up to Rs. 500: Nil
Above Rs. 500 to Rs. 1,000: Rs. 400
Above Rs. 1,000 to Rs. 10,000: Rs. 750
Above Rs. 10,000 to Rs. 25,000: Rs. 950
Above Rs. 25,000 to Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300

Note: Click here for the detailed SBI RuPay Credit Card fees and charges, along with other terms and conditions.

Eligibility Criteria to Apply for the SBI Rupay Credit Cards

Eligibility criteria for SBI RuPay credit cards is dependent on multiple factors based on SBI Card’s internal policies. Some of the basic criteria for the applicants are as follows:

  • Occupation: Salaried or Self-employed
  • Minimum Age: 21 years for salaried, above 25 years for self-employed, and above 40 years for retired pensioner 
  • Maximum Age: 70 years
  • Documents Required: You are generally asked to present proofs of identity, address and income. Click here for the detailed list of documents.

Other criteria can include a regular source of income, high credit score, good credit history, etc.

Suggested Read: Credit Card Interest Rates

How to Get an SBI Rupay Credit Card?

Given below are the steps on how to apply for lifetime free RuPay credit card online:

Step 1: Register Your Mobile Number
You can apply for select SBI RuPay cards via Paisabazaar by entering your mobile number in the form available on this page.

Step 2: Check Available Credit Card Offers
Provide the OTP sent to your mobile number for verification to view the card offers.

Step 3: Select The Preferred SBI RuPay Card
Compare the credit card offers and pick the one that you wish to apply for.

Step 4: Complete the Application Process
After choosing the card option, complete the SBI RuPay credit card application process by providing the necessary details and the required documents.

You can also visit the official SBI Card website or the nearest SBI Card branch to apply for any of the SBI RuPay credit cards.

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FAQs

Which SBI cards are available on the RuPay network?
There are six SBI RuPay credit cards available for you. This list includes co-branded cards like Yatra SBI Card, Reliance SBI Card Prime, Reliance SBI Card, and IRCTC SBI RuPay Credit Card, along with non-cobranded cards like Shaurya and Shaurya Select SBI credit cards.

Can I save on UPI payments by using SBI RuPay credit cards?
Yes, all SBI RuPay cards offer value-back in the form of reward points or cashback on UPI transactions. However, the savings value varies as per the card variant.

What are different types of RuPay credit cards?
RuPay credit cards can be categorised under 3 types, namely RuPay Classic, RuPay Platinum and RuPay Select.

How to check the SBI RuPay credit card application status?
You can track your SBI RuPay card’s application status online through the official SBI Card website by entering your application reference number.

Which is the best SBI RuPay credit card?
The best or most-suitable SBI RuPay credit card can vary as per your individual needs, eligibility and spending patterns. For instance, Yatra SBI is suitable for travellers while SBI Reliance cards are a better choice for those who frequently shop from the partner brands and want a rewards credit card.

How do I apply for an SBI RuPay credit card?
You can apply for SBI RuPay credit card online by visiting the official SBI Card website and initiating the application process of the card of your choice.

What is the difference between SBI RuPay vs. SBI Visa or MasterCard Credit Cards?
SBI RuPay credit cards have comparatively a more domestic focus and acceptance than SBI Visa or Mastercard credit card variants. Moreover, SBI RuPay credit cards can also be used for UPI transactions by linking it to any UPI app, which is not possible for other network cards.

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