SBI Credit Card

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 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.

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 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.

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 2000 unless otherwise stated. Click here to know more about SBI credit cards reward points redemption.

To close your SBI credit card, you can call of 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.

There are 3 ways to activate your SBI credit card- SBI Card Net Banking, SBI Card Mobile App or e-mail. 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’. Authorize the same by clicking on the ‘Activate’ button. A similar process will be followed for Mobile App. Alternatively, you can also write an e-mail, call customer support or chat with their chatbot ILA for card activation. Click here to read in detail.

To block your SBI credit card, you can SMS BLOCK XXXX (where XXXX are the last 4 digit 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.

You can generate SBI credit card PIN through SBI Card website, mobile app, 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.

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.

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 analyze 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.

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.