SBI Bank Credit Card

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About SBI Bank

State Bank of India is India's largest nationalized bank. The bank has played a significant role in establishing the organized banking services sector across the country by way of being a repository to savings and by being growing and leading businesses.

State Bank of India along with its five associate banks has a wide range of network of more than 24,000 branches across the country. The bank offers financial services to both personal and corporate banking segments.

About SBI Bank Credit Card

State Bank of India offers a comprehensive range of credit cards. These cards are packed with several benefits, discount offers and deals. The bank offers credit card based on the preference and suitability of the user.

The bank provides different types of cards that are explained below:

Credit-Card Type and Suitability

Annual/Renewal Fee

Welcome Gifts

SBI Elite Card (Luxury)

Rs. 4,999/-

  • E-voucher worth Rs. 5,999/-
  • Free movie tickets worth Rs. 6,000/-

 

SBI Card Prime (Reward Earning)

Rs. 2,999/-

  • E-voucher worth Rs. 3,000/- redeemable at selected stores including Pantaloons, Marks & Spencer etc.

Tata Platinum Card

Rs. 2,999/-

  • E-voucher worth Rs. 3,000/- redeemable at selected stores including Pantaloons, Marks & Spencer etc.
  • Special Anniversary gift on spends of minimum Rs. 2 lacs.

Tata Titanium Card

Rs. 499/-

  • Empower point worth Rs. 500 on the minimum spends of Rs. 2,000 and above.
  • 0% fuel surcharges

Simply Click SBI Card

Rs. 499

  • Amazon gift voucher worth Rs. 500

Air India SBI Signature Card

Rs. 4,999/-

  • Welcome gift of 20,000 reward point
  • Complimentary membership of Air India Frequent Flyer program- Flying Returns

Air India SBI Platinum Card

Rs. 1,499/-

  • Welcome gift of 5,000 reward point
  • Complimentary membership of Air India Frequent Flyer program- Flying Returns

IRCTC SBI Platinum Card

  • Rs. 500/- (1st Year)
  • Rs. 300/- (2nd Year Onwards)
  • 350 Activation bonus reward points on the spends of Rs. 500 or above
  • Rs. 100 cash back on the first ATM withdrawal within 30 days of receiving the card

Yatra SBI Card

Rs. 499/-

  • Free Yatra vouchers worth Rs. 8,250/- (Subject to terms and conditions of the travel partner)
  • Complimentary Air Accident Cover worth Rs. 50 lacs

Simply SAVE SBI Card

Rs. 499/-

  • 2,000 bonus points on the spends of Rs. 2,000 in first 60 days of paying the annual fee
  • Fuel surcharge waiver on every purchase

SBI Card Unnati

Rs. 499/-

Annual fee waived off for first 4 years

 

Note:

  • The annual fee charged is subject to change as per the bank's norms.
  • Welcome gifts are subject to change as per the bank's terms and conditions. Likewise, offers are also subject to validity and get refreshed periodically. 

Features and benefits of SBI Credit Cards

SBI offers several features and benefits to the credit card users. Some of the features and benefits are mentioned below:

  • Low Joining Fees: The bank offers credit cards at the very low joining fee. However, the joining fee varies depending on the type of card you are applying for.
  • Attractive welcome gifts: The bank offers attractive welcome gifts and vouchers including discounts on dining, fuel expenses, complimentary movie tickets etc.
  • Easy to apply: One of the striking features of the bank is a card to card focus. In case you have a card from another bank then it enhances your eligibility to apply for SBI credit card. The bank analyses your credit profile based on your existing card.  
  • Balance Transfer: SBI credit card can be used to pay the outstanding bills of an existing card at a low rate of interest. The balance can be easily transferred to SBI from the bank at the lower interest rate.
  • Payback the outstanding balance via EMIs: The transferred outstanding balance from another bank can be paid through EMIs at a low rate of interest.
  • Cash Withdrawal from your SBI credit card: SBI credit card can be used to withdraw cash from ATM. However, the bank charges a fee for the cash withdrawal.

  • Card TypeRewards Visa Platinum
  • Joining Fee NIL
  • Annual FeeRs. 1,000/-

  • Quick Apply

  • Card TypeIndian Oil Visa Platinum
  • Joining Fee NIL
  • Annual FeeRs. 1,000/-

  • Quick Apply

  • Card TypeCash Back Visa Platinum
  • Joining Fee Rs 500/-
  • Annual FeeRs.500/-

  • Quick Apply

  • Card TypePremier Miles Visa Signature
  • Joining Fee Rs. 3,000/-
  • Annual FeeRs.3,000/-

  • Quick Apply

Eligibility for SBI Credit Cards

SBI Credit Card can be applied by salaried individuals, self-employed professionals, and businessmen. However, to apply they need to fulfill the eligibility criteria as decided by the bank.

Eligibility Criteria

Salaried Employees/ Self-employed professionals, and businessmen

Monthly Salary or ITR

  • Minimum monthly salary Rs. 20,000 (For salaried employees)
  • Annual ITR of Rs. 5 lacs (For Self-employed professionals and businessmen)

CIBIL Score

Good CIBIIL Score e.g. 700 and above (Subject to the bank's internal CIBIL checking process)

Age

21 years and above

 

However, State Bank of India follows an internal procedure to check the CIBIL Score of the applicant. The internal procedure is known as Watch CIBIL Process (WCP) helps the bank in finding out the credit history of the applicant. Based on the credit history and salary details of the applicant the bank decides the credit limit.

 

 

Documents Required for SBI Credit Card

 The following documents are required for applying for SBI Credit Cards:

 Document Type

Salaried Employees

Self-employed Professionals and Business Men

Income Proof

Salary slips of last 2 months

Annual ITR of current year

Email Address and identity proof

  • Identity card (For government officials)
  • Official Email Address (For non-government officials)

Email Address

Address Proof

Anyone of the following:

  • Aadhar Card
  • PAN Card
  • Passport

Anyone of the following:

  • Aadhar Card
  • PAN Card
  • Passport

Photograph

1 Photograph

1 Photograph

Types of SBI Bank Credit Card Details

 

SBI Card Elite and SBI Card Elite Advantage

Privileges of these cards:

  • Welcome e-voucher of Rs. 5,000 redeemable at specific stores.
  • Complimentary movie tickets for Rs. 6,000.
  • Earn bonus points up to 50,000 worth Rs. 12,500/- yearly and 15,000 bonus. points on achieving annual spends of up to Rs. 8 lacs.
  • Domestic and international lounge access program including 6 complimentary international airport lounge access (subject to 2 visits per quarter) and 2 complimentary domestic airport lounge access in each quarter.            
  • Memberships of elite clubs as in Club Vistara membership and Trident Privilege Membership.
  • Special discounts on dining and selected apparel brands.
  • Complimentary credit card fraud liability cover of Rs. 1 lakh.
  • Special assistance for gift delivery, customised holiday packages, travel, movie and hotel reservations.

 

SBI Card Prime and SBI Card Prime Advantage

Privileges of these cards:

  • Welcome e-voucher of Rs. 3,000.
  • Prime rewards on utility bill payments (20 reward points on every Rs.100 spent).
  • Earn bonus points up to 50,000 worth Rs. 12,500/- Yearly.
  • Domestic and international lounge program.
  • Memberships of elite clubs.
  • Special discounts on dining and selected apparel brands.
  • Complimentary credit card fraud liability cover of Rs. 1 lakh.
  • Extra birthday benefits.

 

Tata Platinum Card

Privileges of this card:

  • Welcome gift voucher of Rs. 3,000 from popular brands such as Westside, Yatra etc.
  • Earn reward points on departmental stores, dining, grocery and international spends.
  • Up to 2% value back on the spends at Croma stores.
  • Up to 5% value back on the spends at Tata outlets.
  • Earn 3X points at department and grocery stores, dining and international spends.
  • Bonus reward points on the annual spends of Rs. 5 Lacs.

 

IRCTC SBI Platinum Card

Privileges of this card:

  • Up to 10% value back as reward points on the purchase of tickets via irctc.co (AC1, AC2, AC3 and AC CC tickets).
  • Savings up to 1.8% on transaction charges on railway ticket bookings.
  • Waiver of 1% fuel surcharge across all petrol pumps on transactions up to Rs. 3,500/-.
  • Special offers on travel, golfing, dining and other entertainment options from VISA.
  • Add on cards for the children, spouse above the age of 18 years and parents of the applicant.
  • Facility for a balance transfer of the outstanding amount from another bank to SBI to avail low rate of interest.

 

Tata Titanium Card

Privileges of this card:

  • Earn reward points on departmental stores, dining, grocery and international spends.
  • Up to 1.5% value back on the spends at Croma stores.
  • Up to 5% value back on the spends at Tata outlets.
  • 3X points on selected grocery and departmental stores.
  • Empower points on spends of Rs. 2,000 in first 2 months.
  • Waiver of annual fee on spends of Rs. 90,000 and above in a year.

 

Simply Click SBI Card

Privileges of this card:

  • 10X rewards points on online spend with the selected partners including Amazon, BookMy Show etc.
  • Waiver of annual fee on the spends of Rs. 1 lac in a year.
  • 5X reward points on all online spends.
  • Waiver of 1% fuel surcharge for each transaction up to Rs. 3,000/-.
  • Instant cash back of Rs. 100 on the booking of first movie ticket via Book My Show app.

 

Simply Save SBI Card

Privileges of this card:

  • 10X reward points on every spend of Rs. 100 on dining, groceries and movie expenses.
  • Waiver of 1% fuel surcharge on each transaction up to Rs. 3,000/- applicable to all petrol pumps.
  • Annual fee reversal from 2nd year (On spend of Rs. 90,000 during the previous year).

 

The other cards are mentioned below:

  • Central SBI Select Card
  • STYLEUP Contactless Card
  • Capital First SBI Card
  • SimplySAVE Advantage SBI Card
  • Fbb SBI STYLEUP Card
  • Air India SBI Platinum Card
  • Chennai Metro SBI Card
  • Mumbai Metro SBI Card
  • IRCTC SBI Platinum Card
  • Yatra SBI Card
  • Karnataka Bank SBI Platinum Credit Card
  • Karnataka Bank SBI SimplySAVE Card
  • South Indian Bank SBI Platinum Credit Card
  • South Indian Bank Simply Save SBI Card
  • LVB SBI Platinum Credit Card
  • LVB SBI SimplySAVE Card
  • Federal Bank SBI Platinum Credit Card
  • Federal Bank SBI Credit Card
  • KVB SBI Signature Card
  • Karur Vysya Bank - SBI Platinum Credit Card
  • Karur Vysya Bank - SBI Card
  • Oriental Bank of Commerce - SBI Platinum Credit Card
  • Oriental Bank of Commerce - SBI Card
  • Bank of Maharashtra - SBI Platinum Credit Card
  • Bank Of Maharashtra - SBI Card
  • SBI Card Unnati