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SBI Credit Card Reward Points: How to Check & Redeem

Home Credit Card SBI BANK Credit Card Reward Points

SBI Card offers reward points on all purchases and spends every time you swipe your card. These reward points allow you to maximise savings, by redeeming them across multiple categories, such as travel, lifestyle, shopping, etc. Read on to know all about SBI credit card reward points and how to redeem these points across SBI rewards catalogue.

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Updated: 26-08-2025 09:19:47 AM

While you earn reward points on all SBI credit cards, each card has its own unique rewards system with varied reward redemption values against different options. You can redeem the SBI reward points that you earn online as well as offline against hotel bookings, Air Miles, gift vouchers, etc. On this page, we have listed all about SBI credit card reward points, including how you can check and redeem them.

Top SBI Credit Cards for Reward Points

SBI Card PRIME
sbi-prime-credit-card
3.5/5

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
Rewards
Check Eligibility

Product Details

  • 10X reward points on birthday spends; 2 reward points per Rs. 100 on other retail purchases
  • 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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SBI Card ELITE
sbi-elite-credit-card
3.5/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

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

Complimentary Priority Pass membership

Lounge Access
Movies
Rewards
Check Eligibility

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
  • Low forex mark-up fee of 1.99%
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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
Rewards
Check Eligibility

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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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

Fuel
Check Eligibility

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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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

Dining
Rewards
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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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

Rewards
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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On this page
SBI Credit Card Reward Points
How to Check SBI Credit Card Reward Points
How to Redeem SBI Credit Card Reward Points
SBI Credit Card Rewards Catalogue
FAQs

SBI Credit Card Reward Points

You can earn rewards just by using your card to make purchases at retail stores and online payments, and later redeem SBI credit card reward points against numerous options. These reward points can be exchanged for merchandise, gift vouchers, reversal of fees, etc. Though the reward points are usually not considered while applying for a credit card, yet the benefits they provide can help you save significantly while repaying the amount due and on making purchases.

E-Wallet loading transactions, cash withdrawal, balance transfer, disputed transactions, purchases at petrol pumps or service stations, Encash or Dial-a-draft facility, financial charges including, late payment charges, dishonored cheque charges, etc. are not eligible for SBI credit card reward points.

Note: In case you cancel or return a transaction and request a refund, the reward points earned on the transaction will be reversed. Same is the case with charge disputes.

Suggested Read: 7 strategies to earn the maximum reward points on credit cards

Axis-Bank-Credit-Cards-Digitally

How to Check SBI Credit Card Reward Points

You can check your SBI credit card reward points on your card through the following:

  • Check the rewards points summary section on your latest credit card statement
  • You can click on the Chatbot ILA. Follow ‘Statement’ >> ‘I want to view my statement’ >> log-in to your credit card account
  • Give a missed call at 8422845514 from your registered mobile number
  • Send an SMS- REWARDS XXXX (X is the last 4 digits of the credit card) to 5676791 from your registered mobile number
  • Log in to the SBI Cardo the ‘Rewards’ section and website by clicking here
  • You can also view available reward points by logging into SBI Card mobile app

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How to Redeem SBI Credit Card Reward Points

You can redeem your SBI credit card reward points via both online and offline modes. To redeem the rewards points online, you can either use net banking or mobile banking. For offline redemption, you can contact the bank’s customer care.

SBI Credit Card Reward Points Redemption Online via Internet Banking:

Step 1- Login to the SBI Card portal using your customer ID and password.
Step 2- Go to the ‘Rewards’ section and click on ‘Redeem Rewards’.
Step 3- Filter the Reward Points, City and Category.
Step 4- Check the items on the ‘Rewards Catalogue’ and select one as per your choice.
Step 5- Click on ‘Redeem Now’ to confirm.

Also Check: Credit Card Rewards Calculator

SBI Credit Card Reward Points Redemption Online via Mobile Banking:

Step 1- Login to SBI Card mobile app with your Customer ID and password.
Step 2- From the left side menu, select the ‘Rewards’ option and click on ‘Redeem Rewards’.
Step 3- Filter the Reward Points, City and Category.
Step 4- Check the items on the ‘Rewards Catalogue’ and select one as per your choice.
Step 5-  Click on ‘Redeem Now’ to confirm and proceed with your redemption process.

Also Check: Best Rewards Credit Card

SBI Credit Card Rewards Redemption Offline:

You can redeem credit card reward points offline by calling on the SBI credit card customer care number. The customer care executive will help you with the redemption process. You can either pay for the item in points altogether or choose the ‘Points+Pay’ option where you can redeem your points and pay the additional amount from the credit card.

On some SBI Credit Cards, especially those with travel-centric benefits, you can convert the accumulated reward points into Air Miles and redeem the same for booking a flight ticket. The Air Mile conversion feature is available on the following SBI Cards:

  • Air India SBI Platinum Card
  • Air India SBI Signature Card

The rate of Air Mile conversion is 1 Reward Point = 1 Air India Mile. Note that these Air Miles can be redeemed only when booking flight tickets on Air India. Apart from this, there are other SBI credit cards launched in collaboration with Vistara Flights that offer Club Vistara Points as reward points. These cards are:

  • SBI Card ELITE
  • SBI Card PRIME

Suggested: 4 Questions To Ask About Your Credit Card Rewards Program

SBI Credit Card Rewards Catalogue

SBI Credit Card Rewards Catalogue offers a wide array of merchandise and product types for reward points redemption. Here is the list of various categories available for reward points redemption against your SBI Credit Card.

Categories Products
Accessories
  • Perfumes
  • Sunglasses
  • Wallets
  • Laptop bags
  • Pens
Apparels and Superstore E-vouchers of different brands and retail outlets are available
Books All genres and varieties are listed in the category to choose from
Entertainment and Dining
  • Host of vouchers
  • Passes and tickets for leisure and relaxation
Health and Fitness Fitbit watch and membership offers for affiliated fitness centres
Household All items of household utility
Kids Zone
  • List of games
  • Toys
  • Gadgets
  • Various other educational and fun products for children of all age groups
Lifestyle products Range of luxury items which are prized possessions for the buyers
Membership packages List of places to choose from which offer world class services which consumers would like to experience
Travel and Holiday Wide range of travel related accessories and items including luggage bags and wallets

Apart from the product types mentioned above, you can also redeem your accumulated credit card reward points against e-vouchers from the top brands. Note that the e-vouchers are delivered in 5 calendar days, in general. Here is a list of top brands that are available under the HDFC credit card rewards catalogue:

Top Brands offering SBI Credit Card Rewards Catalogue E-vouchers
  • Westside
  • Shoppers Stop
  • Apollo Pharmacy
  • Ola Cabs
  • Armani Exchange
  • Amazon Prime
  • Prestige
  • FITPASS
  • Taj Hotels
  • Hamleys
  • Yatra.com
  • Bata
  • Call Health
  • Bobbi Brown
  • Croma

Click here to view the SBI credit card rewards catalogue.

Note: Rewards catalogue is updated by the bank from time to time, hence, brands and categories may vary as per the bank.

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FAQs

Q. How can I redeem SBI reward points?

A. To know how to use SBI reward points, you can opt for any of the two ways of redemption: Online or Offline. You can redeem them online through internet or mobile banking by logging in to your SBI card account and going to the ‘Rewards’ section and offline by calling the SBI credit card customer care number.

Q. How can I check my SBI credit card reward points summary?

A. You can check the summary of your reward points through your credit card statement that shows the closing balance of your reward points. Alternatively, you can also send an SMS – REWARDS (Last four digits of your card number) from your registered mobile number to 5676791. SBI Card also allows you to check your reward points balance by logging in to your SBI Credit Card account on the web portal or mobile app.

Q. How much time does it take for the SBI credit card reward redemption benefit to reach me?

A. If you have opted for an e-voucher, it will be delivered within 3-10 working days. However, if you have ordered any item from the rewards catalogue, then it will take 15-30 days to deliver the product to your address.

Q. Are there any charges for redeeming SBI credit card reward points?

A. Yes, SBI Card charges a rewards redemption fee of Rs. 99 plus GST for reward points redemption. Therefore, it is important to read about all the terms and conditions carefully before applying for a credit card.

Q. Can I change the delivery/billing address after placing an order through my SBI Credit Card?

A. The item will be delivered only to the registered address of the primary credit card owner. If you want to make any changes to the given address, then you can do the same by calling SBI Card customer care. You must remember that any kind of change in address will be made after successful verification.

Q. What is the validity of SBI credit card reward points?

A. The reward points earned on your SBI credit card come with a validity of 24 months, i.e., 2 years. For an instance, if you have a rewards balance of 1,000 reward points on 25 Jan 2022. Then, this balance will be valid till 25 Jan 2024. After this date, your earned reward points will expire and you won’t be able to redeem them.

Q. Can I convert SBI reward points to cash?

A. SBI Card has provided the facility to convert reward points into cash. You can call on the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and ask for the conversion of your points into cash. You can also write a mail by visiting https://www.sbicard.com/en/webform/write-to-us-login.page.

Q. What is SBI credit card reward points value in rupees?

A. The value of SBI credit card reward points is different for different cards. Some cards offer 1 Reward Point = 1 Air mile whereas while converting into cash, the rate is 1 Reward Point = Re. 0.25 for most cards.

Q. Can SBI debit cardholders earn reward points?

A. Yes, SBI debit card holders can earn reward points too. You need to visit SBI Rewardz website and after logging in, you will be able to see the reward points earned on your debit card. You can choose the option of buying products from the catalogue or choose the option of converting SBI debit card points to cash.

Q. Can I redeem the reward points once my SBI Credit Card is closed?

A. No, you will not be able to redeem your credit card reward points after the closure of your card account.

Q. Can I pay my SBI Credit Card outstanding using my reward points?

A. Yes, you can pay your outstanding amount via the accumulated reward points. However, you can use your reward points only in the multiples of 2,000 for the same.

Q. What is SBI reward points value?

A. The redemption value of reward points earned by using most of the SBI credit cards is 1 reward = Rs. 0.25. However, this can vary depending on the card variants and the redemption option you choose. For instance, some SBI cards may offer points-to-miles conversion ratio of up to 1:1 or a higher value-back for select redemption categories.

Q. How to earn SBI reward points?

A. SBI credit card users can earn reward points on every online and offline spend made using the card, except select excluded categories that are defined as per the card variant.

Q. How to redeem SBI reward points in YONO?

A. In order to redeem SBI reward points using YONO, cardholders need to first link their SBI credit cards on YONO SBI. After this, they can view their card summary and transaction history and avail card services like bill payment, PIN management, reward points redemption and even block their card using YONO.

Q. How to redeem SBI BPCL reward points?

A. You can redeem SBI BPCL credit card reward points against BPCL vouchers or fuel purchases at BPCL outlets, where 4 reward points = Rs. 1 of fuel. You can also redeem your reward points against the products available under the Shop n Smile SBI rewards program.

Q. How SBI credit card reward points are calculated?

A. SBI credit card reward points are calculated as per the reward earning rate of each SBI card. For instance, SBI SimplySave offers 10 reward points per Rs. 150 spent on select category spends. So, if you spend Rs. 1,000 on any of these categories, you will earn 60 reward points as Rs. 1,000 can be divided into a total of 6 complete parts of Rs. 150 which would earn 10 points each.

 

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