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SBI Card is a leading credit card issuer in India offering credit cards with benefits across multiple categories. SBI Simply Save, SBI Simply Click, Cashback SBI Card, SBI Card ELITE and BPCL SBI Card are some of the most popular SBI credit cards. Since each card is focused on unique individual needs, such as shopping, travel, fuel, groceries, and other such categories, choosing the right card can be confusing. To help you make an informed decision, we have listed the top SBI credit cards. You can compare and apply for the selected SBI Credit Cards at Paisabazaar.

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Updated: 02-09-2024 07:43:59 AM

Best SBI Credit Cards in September 2024

With SBI credit cards, you can earn reward points and cashback and avail other benefits, such as complimentary lounge access and memberships, discounted movie tickets, co-branded privileges, and many more. You can apply for SBI Credit Cards online based on the below-mentioned list of cards with their features and benefits.

SBI Prime Credit Card

sbi-prime-credit-card
4/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

5X reward points on dining, groceries, departmental stores, and movies

2 reward points per Rs. 100 on all retail purchases

Travel
Shopping
Reward Points
Check Eligibility

Product Details

  • Complimentary Club Vistara Silver membership for exclusive benefits
  • 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
  • 4 complimentary international lounge visits in a year
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SBI Elite Credit Card

sbi-elite-credit-card
4/5

Joining fee: ₹4999

Annual/Renewal Fee: ₹4999

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

Complimentary Priority Pass, Club Vistara Silver membership

Travel
Reward Points
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
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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

Co-branded
Fuel
Check Eligibility

Product Details

  • 25 reward points per Rs. 100 spent on BPCL fuel, lubricants & Bharat Gas; 1 reward point on others
  • 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
  • 1% fuel surcharge waiver, up to Rs. 100 per month, on BPCL fuel spends of up to Rs. 4,000
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Cashback SBI Card

cashback-sbi-card
4/5

Joining fee: ₹999

Annual/Renewal Fee: ₹999

5% cashback on all online spends

1% cashback across all offline spends

Cashback
Online Shopping
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Product Details

  • 5% cashback across all online spends with no merchant restriction
  • 1% cashback across all offline spends
  • Earn cashback of up to Rs. 5,000 per month
  • Renewal fee reversed on spending at least Rs. 2 lakh in a year
  • 1% fuel surcharge waiver of up to Rs. 100 per month
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Club Vistara SBI Card PRIME

club-vistara-sbi-card-prime
4/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

Up to 4 Premium Economy tickets as annual & milestone bonus

8 domestic & 4 international airport lounge visits in a year

Travel
Co-branded
Check Eligibility

Product Details

  • 1 Premium Economy ticket on fee payment & 4 tickets on up to Rs. 8 lakh annual spends
  • 4 CV Points on every Rs. 200 spent
  • Rs. 10,000 hotel e-voucher from Yatra on Rs. 8 lakh annual spends
  • 3,000 CV Points on spending Rs. 75,000 within 90 days of card issuance
  • Cover for up to 6 flight cancellations per year, up to Rs. 3,500 each
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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
Co-branded
Reward Points
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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SBI SimplyCLICK Credit Card

simplyclick-credit-card
3/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

10X reward points on online spends at top brands like BookMyShow, Dominos, Myntra, etc.

5X reward points on other online spends

Reward Points
Online Shopping
Check Eligibility

Product Details

  • 1 reward point for every Rs. 100 spent on other categories
  • Cleartrip/ Yatra e-voucher worth Rs. 2,000 each on achieving spending milestones of Rs. 1 Lakh and Rs. 2 Lakh in a year
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
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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

Reward Points
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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IRCTC SBI Platinum Credit Card

sbi-irctc-credit-card
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹300

10% value-back on railway ticket bookings

350 bonus reward points on card activation

Travel
Check Eligibility

Product Details

  • 350 reward points worth Rs. 350 on card activation after a transaction of min. Rs. 500 within the first 45 days
  • 10% value-back through reward points upon booking AC1, AC2, AC3 and AC Chair Car tickets via IRCTC website
  • 1 reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases via IRCTC
  • 4 complimentary railway lounge access in a year
  • Waiver of 1% transaction charge on railway ticket bookings
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On this page:
Other SBI Credit Cards
Benefits of SBI Credit Cards
SBI Credit Card: Fees & Charges
SBI Credit Card: Eligibility & Documentation
How to Apply for SBI Credit Card?
SBI Credit Card Bill Payment
Quick Links to Manage your SBI Credit Card
FAQs

Other SBI Credit Cards

Apart from the above-mentioned popular credit cards, SBI Card also offers some other credit cards ranging from entry-level to premium. Some of these are listed below:

SBI Credit Card Annual Fee Best-suited For
IRCTC SBI Platinum Credit Card Rs. 300 Railway Travel
BPCL SBI Card Rs. 499 Fuel
Air India SBI Platinum Credit Card Rs. 1,499 Travel
Club Vistara SBI Card Rs. 1,499 Travel
Reliance SBI Card Prime Rs. 2,999 Shopping, Rewards
Titan SBI Credit Card Rs. 2,999 Shopping, Rewards
Air India SBI Signature Credit Card Rs. 4,999 Travel
Etihad Guest SBI Premier Card Rs. 4,999 Travel
SBI Card Miles Elite Rs. 4,999 Travel
SBI Aurum Credit Card Rs. 10,000 Premium

Benefits of SBI Credit Cards

As mentioned above, different SBI cards come with different features and benefits. However, some common benefits are applicable to each SBI credit card.

Add-on Cards: With your primary credit card, you can avail add-on cards for your spouse, parents or children above the age of 18 years. Such cards usually come with the same benefits as primary cards.
Encash Facility: Cardholders can avail instant cash using Encash Facility and pay off in easy instalments of up to 48 months. Encash offer is given over and above the existing credit limit of the user whereas Encash Inline is given within the existing credit limit.
Flexipay Feature: You can convert big purchases into easy EMIs, using SBI Card’s Flexipay feature. Choose from a tenure of 3, 6, 9, 12, 18, or 24 months to convert transactions worth above Rs. 2,500 made during the last 30 days.
Balance Transfer: If you have high balances on other bank credit cards and find it difficult to pay off, you can transfer the balance to your SBI credit card and save on the finance charges. Balance transfers also carry interest but it will be much lower than the finance charges applicable on revolving balances.
Overlimit Facility: You can also spend more than your available credit limit by using the overlimit facility on your SBI Credit Card. However, overlimit charges will be applicable.
Automated Utility Bill Payment: To manage all your utility bill payments, you can set standing instructions on your SBI Card. This is known as the Easy Bill Pay feature.
Insurance Cover: Some SBI Credit Cards, particularly premium cards, also offer complimentary insurance covers, such as air accident cover, overseas hospitalisation cover and more.
Easy Access via SBI Card Mobile App: SBI credit cardholders can manage their credit cards with ease on the SBI Card Mobile App. They can make SBI credit card payments, check statements, unbilled transactions, use additional services like Encash, Flexipay, etc.

SBI Credit Card: Fees & Charges

Below-mentioned are some of the common fees and charges applicable to SBI Credit Cards:

Fee Type Amount
Joining/Annual Fee Varies for all SBI Credit Cards
Finance Charges 3.50% p.m. (42% p.a.) for unsecured cards;
2.75% p.m. (33% p.a.) for Shaurya, Defence and Secured cards
Late Payment Charges* 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

*An additional Late Payment Charge of Rs. 100 will be levied if you miss the payment of Minimum Amount Due (MAD) by the due date for 2 consecutive billing cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.

The fee & charges may vary from card to card. Please refer to the terms and conditions for card variants separately before applying. For other details related to the fee & charges of SBI Credit Cards, click here.

SBI Credit Card: Eligibility & Documentation

The general eligibility criteria to avail an SBI Credit Card are as follows:

  • Age: You should be aged between 17 and 70 years to apply for SBI Credit Cards.
  • Occupation: Applicant should either be salaried or self-employed
  • Documents Required: Click here for the list of documents accepted by SBI Card for credit card application approval.

How to Apply for SBI Credit Card?

You can compare and apply for SBI Credit Cards online at Paisabazaar. The steps for the same are mentioned below:

Step 1: Enter Your Mobile Number
To start your SBI credit card application process, provide your mobile number in the credit card form.

Step 2: Verify OTP and Check Available Offers
Provide your OTP for verification to check pre-approved offers.

Step 3: Select Preferred SBI Credit Card
Compare available options as per your eligibility and select the best SBI credit card that suits your requirement.

Step 4: Apply and Provide Documents
Apply for the suitable credit card and provide documents for smooth processing of the application.

SBI Credit Card Bill Payment

SBI Card provides several online and offline ways through which the cardholders can make their SBI credit card bill payment, as listed below:

Offline Payment
You can either pay using your SBI debit card by visiting the nearest SBI ATM, drop your bill payment cheque in the dropbox, or even pay over the counter at any SBI branch.

Online Payment
You can make your SBI credit card bill payment online using various payment gateways, as discussed below:

  • PayNet BillDesk- You can pay your bill on SBI BillDesk PayNet-Pay Online payment gateway. You can either choose to pay directly by entering the net banking details or use any of your debit cards from select banks.
  • UPI- SBI credit card bill payment can also be paid using any UPI QR code, Pay by VPA (Virtual Payment Address) facility, or via BHIM SBI Pay.
  • Net Banking- You can pay your credit card bill by logging in to your net banking account on Online SBI portal. You can pay via NEFT or through any other bank’s net banking facility as well by selecting the option of SBI ‘Visa Credit Card Pay’.
  • SBI Apps- SBI YONO mobile app or website and SBI Card mobile app both can be used to make your SBI credit card payment.
  • NACH- National Automated Clearing House (NACH) is another mode which allows you to make auto bill payments by issuing monthly credit card bill payment cheques automatically. You just have to authorise the payment when asked.
  • MasterCard MoneySend- Any third-party payment app which supports MasterCard MoneySend payment mode also allows you to make SBI credit card bill payment online.
  • Electronic Bill Payment (EBP)- You can pay your SBI credit card dues using EBP service via net banking, mobile or ATM service of SBI Bank, Indian Overseas Bank or Bank of India.

FAQs

Which SBI credit card is good for beginners?
SBI SimplySAVE and SBI SimplyCLICK are the two most popular entry-level SBI credit cards offered to beginners. Both of these cards come at an annual fee of Rs. 499 and are good for you if you wish to get a decent set of benefits for a low annual fee. SimplySAVE is a good option to save on your retail shopping spends whereas SBI SimplyCLICK is beneficial if you frequently shop online. You should take your pick as per your spending preferences.

What is SBI credit card limit? How to increase it?
The total credit limit on your SBI credit card is the maximum amount you can spend using your card. As you keep using the card, the limit reduces and it replenishes when you pay your credit card bills. The limit you would get on your SBI Card depends on a lot of factors including your income, credit score, limit offered on your existing cards and the internal policies of the credit card provider. If you have had your SBI Card for a long time and have been regular with usage and payments, SBI Card may offer you a limit increase on their own. The same will be conveyed to you via SMS or email. However, if you do not receive a limit increase from the provider, you can request the same by writing to them. You may also be required to submit latest income proofs along with it.

How to redeem SBI credit card reward points?
You can redeem the accumulated reward points on SBI credit cards online by logging into SBI Card’s official website or by visiting the partner merchant store/portal (in case of co-branded cards). Alternatively, you can call the SBI credit card helpline to redeem your reward points. Note that points can be redeemed in the multiple of 2,000 unless otherwise stated. Click here to know more about SBI credit cards reward points redemption.

How to close SBI credit card?
To close your SBI credit card, you can call the SBI credit card helpline or write to SBI customer support. Your card closure will be subject to all dues being paid in full. You should also see if you have any reward balance and redeem the same before closing your card. Note that the closure of primary credit card will automatically lead to the cancellation of add-on cards as well.

How to activate SBI credit card?
There are 3 ways to activate your SBI credit card- SBI Card Net Banking, SBI Credit Card app or email. To use the net banking facility, you must first be registered for the same. Once registered, login and navigate to the ‘Requests’ tab, then go to ‘Card Activation’. Authorise the same by clicking on the ‘Activate’ button. A similar process will be followed for Mobile App. Alternatively, you can also write an email, call customer support or chat with their chatbot ILA for card activation. Click here to read in detail.

Are there any SBI credit cards designed in collaboration with other banks?
Yes, several banks have collaborated with SBI Card to design and launch credit cards. Click here to view the complete list of SBI Card banking collaboration credit cards.

How to block SBI credit card?
To block your SBI credit card, you can SMS BLOCK XXXX (where XXXX are the last 4 digits of your SBI Credit Card) and send it to 5676791. You can also call SBI Card helpline 18601801290 or 39020202 (prefix local STD code) for the same.

How to generate SBI credit card PIN?
You can generate SBI credit cards through SBI Credit Card app, website, Chatbot ILA or IVR. The process slightly varies for each method. To generate/change the PIN via SBI Card website, you must first login using your customer ID and password. Then you can go to the ‘Manage PIN’ section, choose the card and authenticate using OTP. You will now have to enter the new PIN twice and proceed. Click here for details on other steps.

How to convert SBI credit card transactions into EMIs?
If you did not convert your purchases into EMIs at the time of purchase, you can still do so later, using SBI Card’s Flexipay Facility within 30 days of the purchase. Minimum booking amount is Rs. 2,500. You can bunch multiple transactions above Rs. 500 to avail Flexipay. A one-time processing fee of 2% of the booking amount (minimum Rs. 249, maximum Rs. 1,500) will be levied. Interest rate is 20% p.a. but it can also vary as per the applicable offers.

Which is the best SBI credit card?
SBI offers a number of credit cards that can offer benefits specific to varying customer needs. To choose the best credit card for you , you must analyse your spending pattern across different categories. For instance, if you are looking for a travel credit card from SBI you can consider opting for Air India SBI Signature Credit Card, IRCTC SBI Card Premier, Club Vistara SBI Card Prime, or Yatra SBI Credit Card etc. For savings on fuel, you can look for BPCL SBI Card Octane. Similarly for benefits on shopping spends, SBI SimplyCLICK or SBI SimplySAVE will be a good option. Thus, the best SBI credit card for you would be the one that offers maximum value-back on your frequent purchases.

How to track SBI credit card application status?
If you have applied for an SBI credit card and wish to track your application status, you can do it either online or offline. For online tracking of your application, you can visit the official website of SBI Card, and look out for option ‘Track your application’. Here you need to enter your application/reference number. In addition to that, you can also follow the offline way by contacting the SBI credit card customer care at 1860-180-1290.

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