Reward Rates:

  • 3.75%

    Earn 15 points on air india flight booking for primary cardholder.

  • 1.25%

    Earn 5 points on air india flight booking for others.

  • 0.50%

    Earn 2 points on other spend.

Introductry Benefits
Rs. 1250/-
Joining Fee
Rs. 1499/-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. 500/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 3,750 on spending Rs. 2 Lacs or above annually.

Reward Rates:

  • 7.5%

    Earn 30 points on air india flight booking for primary cardholder.

  • 2.5%

    Earn 10 points on air india flight booking for others

  • 1%

    Earn 4 points on other spend.

Introductry Benefits
Rs. 5000/-
Joining Fee
Rs. 4999/-
Annual Fee
Rs. 4999/-
Annual Rewards
Rs. 1250/-

Lost Card Liability Cover

Get complimentary lost card liability cover of Rs. 1 Lac.

Milestone Bonus Rewards

Earn reward points worth upto Rs. 25,000 on spending Rs. 5 Lacs or above annually.

Reward Rates:

  • 3.25%

    Earn 13 points at BPCL Petrol pumps on fuel purchase.

  • 1.25%

    Earn 5 Points on Grocery, Department stores, moving, dining and utility bills.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 5%

    Earn 20 Points on purchase at Central Stores.

  • 2.5%

    Earn 10 Points on Dining & Movies.

  • 0.50%

    Earn 2 Points on regular purchase.

Introductry Benefits
Rs. 3000/-
Joining Fee
Rs. 2999/-
Annual Fee
Rs. 2999/-
Annual Rewards
Rs. 0/-

Discount on Movie Tickets

Save Rs. 500 each months on movie tickets.

Complimentary Gift Coupons

Get complimentary m-coupons worth Rs. 500 each for first 3 months.

Reward Rates:

  • 2.5%

    Earn 10 Points on purchase at Central Stores.

  • 1.25%

    Earn 10 Points on Dining & Movies.

  • 0.25%

    Earn 1 Point on regular purchase.

Introductry Benefits
Rs. 750/-
Joining Fee
Rs. 750/-
Annual Fee
Rs. 750/-
Annual Rewards
Rs. 0/-

Complimentary Gift Coupons

Get complimentary m-coupons worth Rs. 250 each for first 3 months.

Reward Rates:

  • 2.50%

    Earn 10 Points on Big Bazaar, Standalone Fbb and Food Bazaar outlets, and dining.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 500/-

Discount on Shopping

Save 10% at Fbb website and stores, and Big Bazaar Stores.

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 10%

    Earn upto 12.5 points railway bookings

  • 0.80%

    Earn 1 points on regular purchase.

Introductry Benefits
Rs. 87.5/-
Joining Fee
Rs. 300/-
Annual Fee
Rs. 300/-
Annual Rewards
Rs. 0/-

Railway Surcharge Waiver

Save railway surcharge waiver of 1.8% on ticket bookings at IRCTC portal.

Fuel Surcharge Waiver

Save upto Rs. 100 on fuel each month.

Reward Rates:

  • 2.50%

    Earn 10 Points on Auto-top up, Dining, Movies, Grocery and Departmental store purchases.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 550/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Auto Top-up Facility

Your card get instantly Rs. 200 top-up if the minimum balance reaches Rs. 50.

Reward Rates:

  • 2.50%

    Earn 10 Reward Points on Dining, Departmental and Grocery stores.

  • 0.50%

    Earn 2 Reward Points on other purchase.

Introductry Benefits
Rs. 5000/-
Joining Fee
Rs. 4999/-
Annual Fee
Rs. 4999/-
Annual Rewards
Rs. 0/-

1+1 on Movie Tickets

Save Rs. 250 on each movie ticket and upto 2 movie tickets a month.

Airport Lounge Access

Complimentary Priority Pass Membership along with VISA domestic lounge access.

Reward Rates:

  • 5%

    Earn 20 Points on Utility Bill Payments through SI.

  • 3.75%

    Earn 15 Points on purchase at BigBasket.

  • 2.75%

    Earn 10 Points on Movies, Dining, Groceries, and Departmental stores purchases.

  • 0.50%

    Earn 2 Points on other purchases.

Introductry Benefits
Rs. 3000/-
Joining Fee
Rs. 2999/-
Annual Fee
Rs. 2999/-
Annual Rewards
Rs. 0/-

Complimentary Memeberships

Earn rewards points with complimentary Trident Privilege Red Tier Membership and Air Vistara Silver Tier Membership.

Complimentary Lounge Access

Get complimentary Priority Pass Membership along with VISA / Mastercard Domestic Lounge Access.

Reward Rates:

  • 2.50%

    Earn 10 Points with Online Partner Brands.

  • 1.25%

    Earn 5 Points on Other Online purchases.

  • 0.25%

    Earn 1 Point on Other purchases.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Milestone Rewards

Earn vouchers worth upto Rs. 4,000 on spending Rs. 1 Lac or above annually.

Annual Fee Waiver

Earn back your annual fee on spending Rs. 1 Lac or above annually.

Reward Rates:

  • 2.5%

    Earn 10 Points on Movies, Dining, Groceries, and Departmental stores purchases.

  • 0.25%

    Earn 1 Point on Other purchases.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Annual Fee Waiver

Earn back your annual fee on spending Rs. 1 Lac annually.

Reward Rates:

  • 01.25%

    Earn 5 Points against Medical Supplies, Travel, International Expenses, and on Doctor's Day.

  • 00.25%

    Earn 1 Point on other purchases.

Introductry Benefits
Rs. 1500/-
Joining Fee
Rs. 1499/-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. 4712.5/-

Insurance Cover

Get Professional Indemnity Insurance Cover of Rs. 20 Lacs.

Reward Rates:

  • 01.25%

    Earn 5 Reward Points against Medical Supplies, Travel, International spend, and on Doctor's Day.

  • 00.25%

    Earn 1 Reward Point on other spend.

Introductry Benefits
Rs. 1500/-
Joining Fee
Rs. 1499/-
Annual Fee
Rs. 1499/-
Annual Rewards
Rs. 4712.5/-

Professional Indemnity Insurance Cover

Get Professional Indemnity Insurance Cover of Rs. 20 Lacs.

Reward Rates:

  • 03.00%

    Earn 3 reward points on each Rs. 100 spent against all Apollo services.

  • 02.00%

    Earn 2 points on each Rs. 100 spent against Dining, Movies & Entertainment.

  • 01.00%

    Earn 1 point on each Rs. 100 spent against Beauty & Wellness services.

  • 00.50%

    Earn 1 points on each Rs. 200 spent against all other regular transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 1340/-

Apollo Silver Tier Membership

Get free membership to Apollo Silver Tier on joining and save 1% cashback on bill value.

Discount on Apollo Services

Save upto 10% on selected Apollo services.

Reward Rates:

  • 0.25%

    Earn 1 point on each Rs. 100 spent on the card.

Introductry Benefits
Rs. 0/-
Joining Fee
Rs. 0/-
Annual Fee
Rs. 0/-
Annual Rewards
Rs. 0/-

Reward Rates:

  • 1.50%

    Earn 6 Points on Departmental Stores, Grocery, Dining, Movies, Entertainment & International spends

  • 0.25%

    Earn 1 Point on all other regular transactions.

Introductry Benefits
Rs. 8350/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

Discount on Flight Bookings

Save upto Rs. 4,000 on domestic/international flight bookings.

Discount on Hotel Bookings

Save flat 20% (maximum Rs. 2000) on domestic hotel bookings.

Reward Rates:

  • 2.50%

    Earn 10 Points on Dining, Movies, Grocery and Departmental store purchases.

  • 0.25%

    Earn 1 Point on other transactions.

Introductry Benefits
Rs. 500/-
Joining Fee
Rs. 499/-
Annual Fee
Rs. 499/-
Annual Rewards
Rs. 0/-

With the vision of providing “cards for everyone”, SBI has cards for every lifestyle and spending behaviour. Whether it is travel, dining, shopping, day-to-day expenditures or luxury spending, there is not a single category that SBI has left untouched. Further, besides offering a rewarding card for almost everyone, SBI offers some added benefits to State Bank of India Customers. If you are an existing SBI customer and have a salary account with the bank, chances are that your application would be approved instantly. Now you may be wondering if going for an SBI credit card is a good idea at all.

One thing that you will love about SBI is that it is very transparent and has clear customer policies. Unlike certain banks, the date for the generation of credit card bill statement and the due date of payment is fixed at the time of issuance of card and remains the same.

SBI has an excellent reward programme and offers great value-for-money by rewarding your spends with points on a regular basis. The redemption of these is very simple and you can get gift vouchers, travel benefits, etc. You can even use these points to clear your credit card dues. However, SBI cards do not offer cashbacks like certain cards from HDFC and ICICI Bank.

SBI further offers global acceptance and charges minimal conversion fee. If you often fly abroad, SBI cards are your best travel buddies. However, on the flip side, SBI has a comparatively bad customer service as they do not respond to emails and rarely entertain your queries.

Best SBI Credit Cards


Best For Card Name
Fuel BPCL SBI Card
Travel Yatra SBI Card
Family SBI Card PRIME, SBI SimplySave Card
Premium SBI Card ELITE
Shopaholics SBI SimplyClick Card

Best SBI Lifestyle Card : SBI Card Elite


If you are a spendthrift, having an extravagant lifestyle or are often caught at the airport, catching flights to places outside of India, this card is for you. The card offers great value for money, providing concierge service on travel and hotel bookings, granting access to airport lounges, free golf lessons, spa discounts, offering a great rewards program, lower conversion rates, and free movie tickets.

Although the card comes with a high price in the form of a steep annual fee of Rs. 4,999 yet this proves to be nothing in front of the benefits that it offers. The card’s annual expenditures are covered in the movie benefits alone. The card offers two free movie tickets of up to Rs. 500 every month. The yearly movie benefit turns out to be a whopping Rs. 6,000.

The card comes with welcome gift vouchers worth Rs. 5,000 which can be redeemed at stores like Bata, Hush Puppies, Pantaloons and Shoppers Stop. Further, the card rewards all your spends at the rate of two reward points per Rs. 100. These amount to Rs.0.50 per Rs. 100, thus granting 0.5% returns. Also, these returns are five fold (2.5%) on money spent towards dining, grocery shopping and departmental stores. This implies that if you spend Rs. 2500 on groceries every month and another Rs. 2500 on dining out, the card will provide you with a return of Rs. 62.5 each for these expenses. This amounts to a total of Rs. 1,500 annually.

You also get complimentary Club Vistara, Trident Privilege and Priority Pass membership and access to Visa and MasterCard lounge available in metro city airports in India. International travellers also save on currency mark up charges of 1.99% as against the normal 3.5%. However, the card can prove to be expensive for those who do not use it on a regular basis.

Best SBI Cards for Family: SBI Card Prime


Large families will love using SBI Card Prime due to high returns over utility bill payments, grocery shopping, dining and departmental store spends. You get 20 reward points for every Rs. 100 spent towards utility bills, meaning returns of a whopping 5%. Further, if you shop your monthly ration from BigBasket, this card is for you. Using SBI Card Prime at BigBasket gets you returns of around 3.75% as you get 15 reward points for every Rs. 100 spent. This means that if you spend Rs. 5,000 at BigBasket every month, you will earn Rs. 2,250 every year in the form of reward points.

The saving on movies, Dining, Grocery and Department store and fuel spends amount to 2.5% as every Rs. 100 spent are rewarded with 10 points. But if you do not spend much in these categories, then you might want to pass on to another card because of it’s high renewal fee of Rs. 2,999.

However, despite this painfully high annual fee, the card can prove to be a winner deal as it welcomes you with gift vouchers worth Rs. 3,000 from brands like Bata, Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com. SBI card Prime also offers a host of other benefits like Trident Privilege membership; Club Vistara Membership; 4 visits to international and 8 visits domestic lounge, complimentary every year.

Best SBI Cards for Family Runner’s up: SBI SimplySave Card


The State Bank of India is always the leading candidate when it comes to deals and discounts over credit cards and the SBI SimplySave card is no exception. The card comes with worldwide acceptance and rewards your spendings with points. These reward points can later be converted into money. Four reward points are equivalent to Rs.1.

When you sign-up for the card facility and successfully spend Rs. 2,000 within the first 60 days of sign-up, you will be rewarded 2,000 reward points which are equivalent to Rs. 500. This will compensate for your first year’s joining fee.

Further, when you use the card for dining, grocery shopping and movie bookings, every Rs. 100 that you spend will fetch you 10 reward points. This means that you get returns of 2.5% of the value for these expenditures. For all other types of spending, you get 1 reward point for every Rs.100 that you spend. The card also relieves the burden of surcharge payable at fuelling stations.

For a transaction ranging between Rs. 500 to Rs. 1,000, made through SBI SimplySave card, surcharge is not applicable.

Best SBI Card for Travel: Yatra SBI Card


Yatra SBI Card is a must have for travellers. Even If you don’t use the card frequently, you might save a lot by using it a few times on the website and additional benefits are worth far more than the fee (Rs. 499).

The card comes with generous welcome gift vouchers worth Rs 8,250. These include 2 vouchers for domestic flight bookings and two vouchers for International flight bookings, worth Rs. 500 and Rs. 1000, respectively. There is also a Rs. 750 voucher for hotel bookings. There are also holiday vouchers for domestic and international vacations which are worth Rs. 1,500 and Rs. 3,000 respectively. All these vouchers can be redeemed at Yatra.com. Even if you are unable to utilize just one of these vouchers, it alone will cover all your joining expenses.

You can avail a discount of Rs 1,000 off on domestic and Rs 4,000 on international flights. For enjoying this discount, the value of transaction for your domestic flight booking should be at least Rs. 5,000 and that of international flight booking should be at least Rs. 40,000.

You can further enjoy a discount of up to 20% on reservations with partner hotels. This discount can amount to a maximum of Rs. 2,000 and is available only for transactions of over Rs. 3,000. For availing this benefit, you will need to use the promo code TRAVEL. This promo code can be used a maximum of 6 times a year.

You also get 6 reward points for every Rs. 100 that you spend on departmental stores, grocery shopping, dining, movies, entertainment and international spendings. For all other spending, you get 1 reward point.

Best SBI Card for Fuel: BPCL SBI Card


The card offer good value against fuel products. If you use your vehicle more often, then this card can prove to be a good deal for you. However, If you are looking for more than just a fuel credit card, then it's not a good choice.

On successfully availing the card, you get 2,000 Welcome Bonus Reward Points which are equivalent to Rs. 500. You earn 13 Reward Points on every Rs. 100 spent on fuel products at BPCL Petrol Pumps that is equivalent to 4.25%. This means that if you spend Rs. 1,000 on fuel every week, You will get reward points worth Rs. 42.5. This amounts to an earning of Rs. 169 every month and Rs. 2028 every year.

You can redeem reward points for purchasing fuel and will get BPCL fuel vouchers. Multiple Fuel vouchers can be clubbed together for a single transaction. However, the fuel Vouchers can only be redeemed at selected BPCL outlets and have a validity period of 6 months from the date of issue. Further, Fuel transactions are limited to Rs. 10,000 in a month.

You also get 1 Reward Point on every Rs. 100 spent on purchasing Non-Fuel products and 5 Reward Points on every Rs. 100 spent on Groceries, Departmental stores, Movies & Dining. Also, you earn 5 Reward Points on every Rs. 100 spent on Standing Instructions when paying Utility Bills.

Best SBI Card for Shopaholics: SBI SimplyClick Card


The card provides good value for the money spent, especially when it comes to online shopping. However, if you shop less, then it could be difficult to earn the benefits enough to recover your card fee. Hence, only go for it if you frequently shop online.

On joining the card facility, you get welcome gift voucher for Amazon.in worth Rs. 500. Your credit card should be in good standing to be eligible for Welcome Gift voucher. If your card got suspended for any reason, got blocked due to theft/lost or got inactive during this period, you won’t be eligible for the welcome gift voucher.

You can earn 10 Reward Points while shopping online with exclusive partners - Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap. Further, earn 5 rewards on all other online spends and 1 reward point per Rs.100 on all offline spends.

If you are a frequent online shopper and spend Rs. 5,000 every month shopping with exclusive partners, you can earn Rs. 125 per month and Rs. 1,500 annually with your online shopping. However, if you do not have much faith in online shopping, you might just want to pass this card.

SBI Reward Points – Earn & Burn


Spends Dining Departmental Stores Grocery Stores Travel Entertainment Utility Bill Payment Fuel Online Shopping Partner Brands International
SBI Card ELITE 10 Reward Points 10 Reward Points 10 Reward Points 2 Reward Points 2 Reward Points 2 Reward Points N/A 2 Reward Points 2 Reward Points 2 Reward Points
SBI Card PRIME 10 Reward Points 10 Reward Points 10 Reward Points 2 Reward Points 10 Reward Points 20 Reward Points N/A 2 Reward Points 15 Reward Points at BigBasket 2 Reward Points
Doctor’s SBI Card (in association with IMA) 1 Reward Point 1 Reward Point 1 Reward Point 5 Reward Points 1 Reward Point 1 Reward Point N/A 1 Reward Point 1 Reward Point 5 Reward Points
Doctors SBI Card 1 Reward Point 1 Reward Point 1 Reward Point 5 Reward Points 1 Reward Point 1 Reward Point N/A 1 Reward Point 1 Reward Point 5 Reward Points
SimplySAVE SBI Card 10 Reward Points 10 Reward Points 10 Reward Points 1 Reward Point 10 Reward Points 1 Reward Point N/A 1 Reward Point 1 Reward Point 1 Reward Point
SimplyCLICK SBI Card 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point N/A 5 Reward Points 10 Reward Points 1 Reward Point
Air India SBI Platinum Credit Card 2 Reward Points 2 Reward Points 2 Reward Points 5 to 15 Reward Points on Air India flights 2 Reward Points 2 Reward Points N/A 2 Reward Points 2 Reward Points 2 Reward Points
Air India SBI Signature Credit Card 4 Reward Points 4 Reward Points 4 Reward Points 10 to 30 Reward Points on Air India flights 4 Reward Points 4 Reward Points N/A 4 Reward Points 4 Reward Points 4 Reward Points
BPCL SBI Credit Card 5 Reward Points 5 Reward Points 5 Reward Points 1 Reward Point 5 Reward Points 5 Reward Points 13 Reward Points at BPCL Pumps 1 Reward Point 1 Reward Point 1 Reward Point
Central SBI Select+ Credit Card 10 Reward Points 2 Reward Points 2 Reward Points 2 Reward Points 10 Reward Points 2 Reward Points N/A 2 Reward Points 20 Reward Points at Central Stores 2 Reward Points
Central SBI Select Credit Card 5 Reward Points 1 Reward Point 1 Reward Point 1 Reward Point 5 Reward Points 1 Reward Point N/A 1 Reward Point 20 Reward Points at Central Stores 1 Reward Point
Fbb SBI STYLEUP Credit Card 10 Reward Points 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point N/A 1 Reward Point 10 Reward Points at BigBazaar, Fbb and Food Bazaar Outlets 1 Reward Point
IRCTC SBI Platinum Credit Card 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 1 Reward Point/Rs. 125 N/A Upto 50 Reward Point on AC tickets at IRCTC website 1 Reward Point/Rs. 125
Mumbai Metro SBI Credit Card 10 Reward Points 10 Reward Points 10 Reward Points 1 Reward Point 10 Reward Points 1 Reward Point N/A 1 Reward Point 1 Reward Point 1 Reward Point
Chennai Metro SBI Credit Card 10 Reward Points 10 Reward Points 10 Reward Points 1 Reward Point 10 Reward Points 1 Reward Point N/A 1 Reward Point 1 Reward Point 1 Reward Point
Apollo SBI Credit Card 2 Reward Points 1 Reward Point 1 Reward Point 1 Reward Point 2 Reward Points 1 Reward Point N/A 1 Reward Point 3 Reward Points on Apollo Services 1 Reward Point
SBI Card Unnati 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point 1 Reward Point N/A 1 Reward Point 1 Reward Point 1 Reward Point
Yatra SBI Credit Card 6 Reward Points 6 Reward Points 6 Reward Points 1 Reward Point 6 Reward Points 1 Reward Point N/A 1 Reward Point 1 Reward Point 6 Reward Points

SBI Credit Card Eligibility


The eligibility norms for SBI credit cards are very simple. Both salaried and self-employed individuals, whose age is between 21 years and 70 years, are eligible for availing the cards. For becoming an add-on card holder, the minimum age of an individual should be 18 years.

If an applicant is a salaried employee, his income should not be less than Rs. 20,000 per month whereas that of a self-employed individual should amount to at least Rs. 4 lakh annually. SBI will sanction a credit limit that is 2 to 3 times your salary for your credit card.

In case of salaried individuals, it is necessary that an applicant must have a salary or a savings out with SBI for availing the card facility. Non-Income applicants can also avail the credit card facility provided they have Fixed Deposit (FD) or Public Provident Fund (PPF) of a minimum of Rs. 20,000.

SBI Credit Card Documents Required


The following are the documents that you will need to submit along with your application form in order to successfully complete the application process:

  • One recent self-attested passport size photograph.
  • Identity Proof: Voter ID Card / Aadhaar Card / PAN Card / Passport / Driving License.
  • Address Proof: Utility Bill (not more than 2 months old) / Voter ID Card / Aadhaar Card / Driving License.
  • Income Proof: 3 Months Statement of Salary Account / Last Year ITR. If salary is not eligible for income tax, then Form 16 would be required alongside the monthly statement of salary account.
  • Latest Property or Municipal Tax receipt
  • Latest Bank account or Post Office savings bank account statement.
  • Pension or family pension payment orders (PPOs) in the case of Retired Employees by Government Departments or Public Sector Undertakings, if they contain the address.

Fees & Charges


Spends Finance Charges Cash Advance Fee Annual Fee Balance Transfer Fee
SBI Card ELITE 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 4,999 0.75% per month for 3 months
1.27% per month for 6 months
SBI Card PRIME 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 2,999 0.75% per month for 3 months
1.27% per month for 6 months
Doctor’s SBI Card (in association with IMA) 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 1,499 0.75% per month for 3 months
1.27% per month for 6 months
Doctors SBI Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 1,499 0.75% per month for 3 months
1.27% per month for 6 months
SimplySAVE SBI Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
SimplyCLICK SBI Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
Air India SBI Platinum Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 1,499 0.75% per month for 3 months
1.27% per month for 6 months
Air India SBI Signature Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 4,999 0.75% per month for 3 months
1.27% per month for 6 months
BPCL SBI Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
Central SBI Select+ Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 2,999 0.75% per month for 3 months
1.27% per month for 6 months
Central SBI Select Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 750 0.75% per month for 3 months
1.27% per month for 6 months
Fbb SBI STYLEUP Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
IRCTC SBI Platinum Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 300 0.75% per month for 3 months
1.27% per month for 6 months
Mumbai Metro SBI Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
Chennai Metro SBI Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
Apollo SBI Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
SBI Card Unnati 2.50% per month (30% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months
Yatra SBI Credit Card 3.35% per month (40.2% per annum) 2.5% or Min Rs. 300 on Domestic Withdrawal
3% on International
Rs. 499 0.75% per month for 3 months
1.27% per month for 6 months

Other Charges


Charge Amount
Foreign Transaction Fee 1.99% of the transaction amount in Indian Rupee
SBI Card ELITE
3.5% of the transaction amount in Indian Rupee
Other Cards
Late Fee Rs. 100 if Payment Due is Rs. 200 to 500
Rs. 400 if Payment Due is Rs. 501 to 1,000
Rs. 500 if Payment Due is Rs. 1,001 to Rs. 10,000
Rs. 750 if Payment Due is above Rs. 10,000
Minimum Payment 5% of the Outstanding Amount or Min Rs. 200 in addition to any Monthly EMIs and Overlimit Charges
Over-limit Fee 2.5 % of the over-limit amount
Min Rs. 500
Returned Payment Fee 2.5 % of payment amount
Min Rs. 450
Card Replacement Fee Rs. 100

FAQs


Within what time will I get the items redeemed against the rewards points?

Reward products can have different time depending upon the Offer provider. For E Vouchers, delivery can take between 3 to 10 working days and for Reward Catalogue Products, it can take between 15 to 30 days to deliver the product.

How can I check my reward points summary?

You can check the reward points summary in the following ways –

  • By referring your latest credit card statement or
  • By sending an SMS -REWARDS XXXX (where XXXX stands for the last 4 digits of your card number) to 5676791 from your registered mobile number
  • By logging in to sbicard.com > Dashboard > at the bottom, the rewards points summary & expiring rewards points are displayed.
  • By login SBI Card mobile app.

What are the charges of redemption fee on SBI Card?

SBI charges a fee of Rs. 99 plus applicable taxes per transaction on your SBI Credit Card account against redemption.

Do the Reward Points accrued on my card expire?

The Reward Points accumulated on your SBI Credit Card account expires after the 24 months from the date of accrual. Any points not redeemed by the end of the stipulated 24 months from the date of accrual will lapse.

You can know the number of Reward Points that are expiring in a particular month by logging on to sbicard.com or SBI mobile app. This information is also mentioned in your monthly statement.

How can I view the status of my previous orders?

You can view the status of your requests for the redeemed reward via the Track your Request link under online reward redemption. Alternatively, you can email to SBI Card Service or call SBI Card Helpline at 1860-180-1290, 1800-180-1290 (Only for BSNL/MTNL Landline Users) or 3902-0202 (please prefix the STD code of your city) for assistance.

For how long is the gift voucher valid?

The validity of the gift voucher varies depending upon the offer expiry date. However, each voucher is validated for at least 3 months. The issue date, validity and expiry date will be printed on the voucher.

What is points + pay option?

SBI offers its cardholders an option called Points + Pay that gives you the freedom to redeem your Reward Points partly through the usual redemption of Reward Points and partly through the balance on your Credit Card.

Are there any charges associated with the reward point redemption process?

A rewards redemption fee of ₹99 plus applicable taxes is debited from your SBI Card account for each redemption request towards delivery and processing charges. Please note, the reward redemption fee + Applicable Taxes would be charged only once in 24 hours irrespective of no. of items redeemed during this period. There are no other charges associated with reward redemption.

Can I pay my SBI Card outstanding using my Reward Points?

Yes. You can settle your outstanding amount through your Reward Points in the multiples of 2,000 for the same.

Credit Card
1 5 5
2019-08-01

Travel Buddy

Because of my frequent travelling job, I bought this card but now it is like my travel buddy. I always use it to book my tickets and avail discounts on it.

Credit Card
1 5 5
2019-08-17

Good service

The customer care service of this card is very good. My queries are always answered on time.

Credit Card
1 4 5
2019-08-17

Must have one.

This card is holding amazing features and is also one of the most commonly used Credit card. So one must if this credit card in their wallet.

Credit Card
1 4 5
2019-08-17

Easy Acceptability

This SBI credit card is easily accepted on places.

Credit Card
1 4 5
2019-08-17

First Time User

This was my Credit Card which I bought with the help of my friend as she shared excellent reviews and reward points she got on this card. Now I am using this so even my experience with this credit card has been amazing well.

Credit Card
1 5 5
2019-08-17

Amazing Benefits

I am using this SBI credit card for a long time but still ,it is giving me so many benefits and also it's very easy to access it. I travel very frequently and this card is like my travel buddy always with me so that I can use it on lounge access.