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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Compare SBI RuPay Credit Cards

While comparing the best SBI RuPay cards, you should also check your credit score for free beforehand. A strong credit profile improves your chances of approval. 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.

List of Best SBI RuPay Credit Card in India 2026

4_/5

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Reliance SBI Card PRIME

4_/5

Shopping

Rewards

Joining fee ₹2,999|Renewal Fee ₹2,999

Benefits on Reliance Group brands

Up to 10 reward points on every Rs. 100 spent

Up to 8 lounge access every year

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4_/5

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SBI Reliance Credit Card

4_/5

Shopping

Rewards

Joining fee ₹500|Renewal Fee ₹500

Low annual fee of Rs. 500

Benefits on Reliance Group brands

Up to 5 reward points on every Rs. 100

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4_/5

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Shaurya Select SBI Card

4_/5

Rewards

Joining fee ₹1,499|Renewal Fee ₹1,499

5X rewards on canteen stores

5X rewards on dining spends

4 domestic lounge visits yearly

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4_/5

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Shaurya SBI Card

4_/5

Rewards

Joining fee ₹250|Renewal Fee ₹250

5X rewards on canteen stores

5X rewards on dining spends

Save Rs. 1,200 on fuel every year

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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 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.