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SBI Credit cards come with attractive offers and reward point programs. Each card has a unique reward system and it is important to choose the right SBI credit card to ensure that you can avail the maximum benefits from their respective reward programmes. Here we will learn more about how to earn and redeem SBI credit card reward points:
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By using SBI credit card to make purchases at retail stores and online payments, you can get the most out of every rupee you spend in the form of reward points. 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 usually help the cardholder save significantly while repaying the amount due and on making purchases.
| SBI Credit Card | Reward Points | Accelerated Rewards |
| SimplySAVE SBI Card | 1 Reward Point per Rs.100 spent | 10x SBI credit card reward points on Dining, Movies, Departmental Stores and Grocery Spends |
| SimplyCLICK SBI Card | 1 Reward Point per Rs.100 spent | 5X rewards on all online spends 10X Reward Points on online spends with exclusive partners |
| Air India SBI Platinum Card | 2 Reward Point per Rs.100 spent |
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| Air India SBI Signature Card | 4 Reward Point per Rs.100 spent |
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| STYLEUP Contactless Card | 1 Reward Point per Rs.100 spent (except fuel) |
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| SBI Card ELITE | 2 Reward Point per Rs.100 spent (except fuel) |
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| IRCTC SBI Platinum Card | 1 Reward Point per Rs.125 spent across all categories except fuel | 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 45 days of card issuance |
| Mumbai Metro SBI Card | 1 Reward Point per Rs.100 spent |
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| Yatra SBI Card | 1 Reward Point per Rs.100 spent | 6 Reward Points on every Rs.100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment and International spends |
| SBI Card PRIME | 2 Reward Point per Rs.100 spent |
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| BPCL SBI Card | 1 Reward Point per Rs.100 spent |
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Reward Point Redemption is complicated and involves Reward Redemption Fee
Simplify your life by applying for a cashback credit card and get:
- Direct transfer of Cashback amount into card account
- No applicable fee/charge to avail cashback
- Up to 5% unlimited cashback on select credit cards
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:
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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SBI credit card reward points can be redeemed online via Net Banking or Mobile App. You can redeem SBI credit card reward points with the following methods-
Follow the steps given below for online reward point redemption. For SBI Internet Banking, you can-
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.
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.
In case you are wondering how to redeem SBI reward points offline, check the process mentioned below –
Customer Care
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. 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 credit card.
SBI debit card holders can also redeem SBI debit card points and convert them to cash.
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-
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 and let the user earn Club Vistara points every time they shop using the card. These cards are-
Know More: Best Credit Card in India
With your SBI credit card reward points, you can get the following types of items-
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.
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:
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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 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 by writing to SBI 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.
I have been using SBI Credit Card since 2019. I like the shopping and travel benefits a lot, but the rewards rate is unsatisfactory. With a high annual fee, it is expected that the credit card will offer decent rewards. The customer care service is also very good. Overall, it is good.
No extra rewards or benefits. Only basic features. Could have been better.
SBI Simply Click is a good card for online shopping. I get a lot of rewards. Recommended!
Wonderful credit card for travellers. Free membership helps a lot. Fee is high.
I got this card when I had to travel a lot for work every month and it gave me good benefits. But the annual fee is high; it would have been better if I could get similar features for a lower fee. Other features are also good.
This is a great card for me as I shop at Big Bazaar and FBB frequently. The annual fee is also very less. I recommend this for regular shoppers.
