SBI Credit Card Reward Points

Updated: 21-09-2022 06:45:38 AM

The reward points you earn with your SBI Credit Card, can be redeemed across multiple product catalog such as Accessories, Apparels, Electronics, Entertainment, Dining, Home Appliances etc. While you earn reward points on all SBI credit cards, each card has its own unique reward system that may vary across reward redemption value, or against different redemption options against hotel bookings, airline, 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 Credit Card	Annual Fee	Reward Benefits	Reward value
BPCL SBI Credit Card	Rs. 499	5X reward points on every Rs. 100 spent on groceries, departmental stores, movies & dining 1 reward point for every Rs. 100 spent on non-fuel retail purchases	4 reward points= Re. 1
Yatra SBI Credit Card	Rs. 499	6 reward points on every Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment and international spends	4 reward points= Re. 1
SBI SimplyClick Credit Card	Rs. 499	10X rewards on online spends with exclusive partners 5X rewards on all other online spends 1 reward point per Rs.100 on all other spends	4 reward points= Re. 1
SBI SimplySave Credit Card	Rs. 499	10 reward points per Rs. 150 spent on dining, movies, departmental stores and groceries 1 reward point per Rs. 150 spent on other categories	4 reward points= Re. 1
Apollo SBI Credit Card	Rs. 499	3X reward points on every Rs. 100 spent on all Apollo services 2X reward points on every Rs. 100 spent on dining, movies & entertainment 1 reward point on every Rs. 100 spent on Beauty & Wellness services 1 reward point on every Rs. 200 spent on other non-fuel retail purchases	1 reward point= Re. 1
BPCL SBI Octane Credit Card	Rs. 1,499	25 reward points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) 10 reward points on every Rs. 100 spent at dining, departmental stores, groceries & movies 1 reward point per Rs. 100 spent on other retail purchases	4 reward points= Re. 1
SBI Pulse Credit Card	Rs. 1,499	10 reward points per Rs. 100 spent on chemist, pharmacy, dining and movies spends 2 reward points per Rs.100 spent on all other spends	4 reward points= Re. 1
Air India SBI Platinum Credit Card	Rs. 1,499	2 reward points for every Rs. 100 spent Upto 15 reward points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app 5 reward points for every Rs. 100 spent on SuperSaver booklet purchases	1 reward point=1 Airmile
SBI Card Prime	Rs. 2,999	10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores and movies 2 reward points per Rs.100 on all other retail spends	4 Reward Points = Re. 1
SBI Card Elite	Rs. 4,999	5X reward points on dining, departmental stores and grocery spends 2 reward points per Rs. 100 on all other spends 9 Club Vistara points for every Rs. 100 spent on Vistara flights	4 Reward Points = Re. 1
Nature’s Basket SBI Card Elite	Rs. 4,999	20 reward points on every Rs. 100 spent at Nature’s Basket 10 reward points on every Rs. 100 spent at dining, movies, entertainment and international spends 2 reward points per Rs. 100 spent on other retail purchases	4 Reward Points = Re. 1
Air India SBI Signature Credit Card	Rs. 4,999	4 reward points for every Rs. 100 spent	1 Reward point= 1 Air India Air mile

Suggested read: Top Credit Cards for Reward Points

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

How to Check SBI Credit Card Reward Points?

How to Redeem SBI Credit Card Reward Points?

SBI Credit Card Rewards Catalogue

FAQs

You can earn and redeem SBI credit card reward points by using it to make purchases at retail stores and online payments. 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 card, yet the benefits they provide can help you save significantly while repaying the amount due and on making purchases.

SBI Card has updated the terms and conditions related to the transactions that are not eligible for earning reward points. From July 1, 2020 onwards, the following transactions will not earn any reward points on SBI credit cards:

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.

Also, 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.

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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 statements
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 Card website by clicking here.
You can also view available reward points by logging into SBI Card mobile app

How to Redeem SBI Credit Card Reward Points?

You can redeem your SBI credit card reward points both online and offline. To redeem the rewards points online, you can use either Net Banking or Mobile App. For offline redemption, you can contact the bank’s customer care.

SBI Credit Card Rewards Point Redemption Online:

Via SBI Internet Banking-

Step 1- Login to 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 ‘Rewards Catalogue’and select one as per your choice.
Step 5- Click on ‘Redeem Now’ to confirm.

Via SBI Mobile Application-

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

SBI Credit Card Rewards Redemption Offline:

You can redeem credit card reward points by calling on the SBI credit card customer care number.The customer care executive will help you with the redemption process.

Know more about How to Redeem SBI Credit Card Reward Points.

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

SBI Credit Card Rewards Catalogue

SBI credit card rewards catalogue allows redemption of reward points, against the following categories:

Electronics
Homeware and Kitchenware
Lifestyle and Luxury
Dining and Entertainment
Apparel and Accessories
Health and Fitness
Travel and Holiday
E-vouchers

Items from renowned brands like Apple, Phillips, Prestige, Wildcraft, American Tourister, Titan, Paul Smith, Fab India, Yatra, Shoppers Stop, etc. are offered by SBI Card against your accumulated reward points.

FAQs

How to redeem SBI reward points?
There are two ways of redeeming the earned reward points; Online and Offline. Once you know how to redeem SBI reward points, you can convert them and purchase electronics, apparel and accessories and much more.

How can I check my reward point summary?
Your credit card statement also shows the closing balance of your reward points. Alternately, you can also send an SMS -REWARDS (Last four digits of your card number) from your registered mobile number to 5676791. You can also login to your SBI Credit Card account on their web portal or mobile app to check your reward point summary.

How much time does it take for the reward redemption benefit to reach me?
If you have opted for an e-voucher, it will be delivered within 3-10 working days. Catalogue products take 15-30 days to be delivered to your address.

Are there any charges for redeeming SBI Credit Card Reward Points?
Yes. SBI Card charges Rs.99 plus GST for reward point’s redemption.

Can I consolidate reward points on multiple SBI Credit Cards?
No. Reward points can only be redeemed for the card on which the points are earned.

Can I cancel a reward redemption order?
You can cancel an order on the same day before 4 pm by calling on SBI Card helpline.

Can I change the delivery/billing address once the order is placed?
The item will be delivered only to the registered address of the primary owner. Any change in address can be made by calling SBI Card customer care and it will be made after proper verification.

Do SBI Credit Card Reward Points expire?
Yes. Reward points accrued on the card are valid up to 24 months.

How to redeem SBI credit card points in cash?
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 in cash. You can also write a mail by visiting https://www.sbicard.com/en/webform/write-to-us-login.page.

What is the value of SBI credit card reward points?
The value of SBI credit card reward points is different for different cards. Some cards offer 1 RP= 1 Air mile whereas while converting into cash, the rate is 1 RP= Rs. 0.25 for most cards.

How to use SBI Reward Points and where we can use them?
You can use SBI Reward Points online with internet banking or mobile app. For offline methods, you can contact the customer care of the bank for using your SBI reward points. You can redeem the points for the following:

Electronics	Homeware and Kitchenware
Lifestyle and Luxury	Dining and Entertainment
Apparel and Accessories	Health and Fitness
Travel and Holiday	E-vouchers

Do SBI reward points expire?
Yes, SBI credit card reward points expire after 24 months from its accrual. It is recommended that the cardholder should use the reward points before its expiry.

Can I transfer SBI reward points?
No, you cannot transfer SBI reward points. You can redeem the credit card reward points for vouchers, gifts and cash but cannot transfer it to others.

Can SBI debit cardholder earn reward points?
Yes, SBI debit card holders can earn reward points too. The cardholders 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 other products from the catalogue or choose the option of converting SBI debit card points to cash.

How to convert SBI credit card points to cash?
If you want to convert SBI points to cash you can either write to SBI Card via email or contact the SBI helpline.

Will I earn reward points on the transactions done during the moratorium period?
You will keep on earning reward points on your transactions as per your card’s policy.

Can I redeem my reward points once my SBI Card is closed?
No, you will not be able to redeem your credit card reward points after the closure of your card account.

Can I pay my SBI Credit Card outstanding using my Reward Points?
Yes, you can pay your outstanding amount via the accumulated Reward Points. You can use your Reward Points only in the multiples of 2,000 for the same.

SBI Credit Card Reward Points- How to Earn & Redeem

Top SBI Credit Cards for Reward Points