State Bank of India (SBI) is the largest public sector bank in India, with its headquarters in Mumbai, Maharashtra. SBI offers a wide range of financial products and services to its customers, including credit cards. SBI credit card reward points convert to cash is the feature that makes SBI credit cards unique.
You can get rewards redemption against cash by writing to SBI at sbicard.com/email or by calling their helpline. Usually, reward points accumulated on your SBI credit card can be redeemed against Gift Vouchers and Physical Products through sbicard.com/ SBI card mobile app.
SBI Credit Card Reward Points Convert to Cash
Every credit card SBI offers exciting rewards, and it is essential to choose the card that gives the maximum benefit in terms of rewards. Every purchase with an SBI credit card earns you reward points that can be redeemed in various ways. It could be redeemed for gift vouchers, product purchases, air ticket bookings, etc. Most SBI Credit Card reward points offer a base value of Rs. 0.25 (where 4 Reward Points = Rs. 1). The specific return rate depends on the exact card tier and how it is being used.
Now how to convert SBI Credit Card Reward Points to Cash is the next question? For conversion of reward points to cash, you can either send an email to sbicard.com or call the SBI credit card customer care and place a request by giving all the required details.
How to Redeem SBI Credit Card Reward Points?
The credit card reward points can be redeemed after accumulation. A catalogue of interesting items is available to choose from while redeeming the reward points. You can redeem the card points for vouchers for booking air tickets. You can also adjust the rewards towards payment of credit card dues if you opt for SBI Credit Card reward points converted to cash.
There are many offline/online methods for the redemption of SBI credit card reward points.
Redemption of SBI credit card reward points online can be done through any one of the options given below by following some simple steps.
Visit the SBI website and navigate to the ‘Rewards’ section.
Log in using your Mobile Number, User ID or Card Details.
Under the redemption categories, search for Cash Credit or Statement Credit.
Enter the number of reward points you wish to redeem (usually it has to be done in multiples of 4,000). Confirm.
Redemption through Mobile Application
Follow the instructions given below for redeeming rewards through the mobile application.
Access the SBI mobile app on your device using the customer ID and password.
Tap the 'More' option given in the bottom menu and then select 'Rewards'.
Choose the 'Redeem' option to browse the Rewards Catalogue.
Select and add desired products or electronic gift vouchers to your cart.
Select 'Redeem Cart'.
Proceed to 'Checkout', and confirm your order.
The payment for the products chosen can all be made through reward points, or you can choose a combination of redemption and payment by credit card. If you choose the combination, you will be partly paying through rewards redemption and partly by credit card.
You also have the SBI Credit Card reward points convert to cash, wherein you can convert the reward points to cash which can be adjusted towards credit card dues.
Read further to understand How to convert SBI rewards to cash.
Offline Method for the Redemption of Reward Points
To redeem the reward points offline, you will have to call the SBI credit card customer care number. The representative of SBI will help you with the gift catalogue products. You can choose the product and either make the payment entirely with the redeemed points or opt for ‘Points + Pay. With this option, you can partly pay through points and the remaining with a credit card.
There is a provision to convert the reward points to cash and adjust the same towards credit card dues. How to convert SBI reward points to cash? You can either send an email to sbicard.com or call the SBI credit card customer care number, where a representative of SBI will assist you with the redemption process.
Air Mile Conversion of SBI Credit Card Reward Points
Some of the SBI credit cards have travel-related benefits. The reward collected using these cards can be converted into air miles and redeemed while booking air tickets. The SBI credit cards that offer this benefit are:
Air India SBI Platinum Card
Air India SBI Signature Card
The points earned out of the above cards can be redeemed only to book Air India flight tickets.
You can call the SBI credit card customer care at 39 02 02 02 (prefix local STD code) or 1860 180 1290/ 1800 180 1290 to redeem your SBI Credit Card reward points.
Redemption of SBI Reward Points for Statement Credit is capped at 60,000 Reward Points per card per calendar month (except Air India SBI Signature Card, PhonePe SBI Card SELECT BLACK, and PhonePe SBI Card PURPLE). The redemption of Reward Points for Statement Credit on all eligible cards (except PhonePe SBI Card SELECT BLACK and PhonePe SBI Card PURPLE) can be made only in multiples of 4,000 points.
The turnaround time for the conversion will be seven working days from the date of request.
SBI, in collaboration with Vistara Flights, has launched various cards wherein the reward points can be converted to air miles and redeemed while booking air tickets. The following are the SBI-Vistara cards
For every transaction with these cards, you earn Club Vistara points that can be converted to air miles and redeemed while booking air tickets on Vistara Flights.
SBI Credit Card Rewards Catalogue
You can choose to redeem your reward points for any of the products that are a part of the SBI Credit Card Rewards Catalogue. The product category in the rewards catalogue are listed below:
Accessories
Luxury
Entertainment and Dining
Apparel
E-Voucher
Priceless
Preferred Partner
Electronics
Health and Fitness
Holidays and Travel
Kids Zone
Homeware
Lifestyle
You can visit the official credit card website of the bank and redeem the points under the rewards section.
FaQ's
There are various ways for checking the SBI Credit Card reward points summary.
The credit card monthly statement will contain a section wherein the reward points details are available.
If you want more clarity regarding the reward points summary, you can either access your SBI Credit Card account through the web portal of the bank or through the SBI mobile app and view the reward points summary.
You can also send an SMS to the SBI Credit Card customer care number 5676791 in the format REWARDS, along with the last four digits of your credit card. The SMS should be sent from the registered mobile number.
For SBI Credit Card reward points to convert to cash, you can either send an email to sbicard.com or call the customer care helpline. The reward points can be converted to cash and adjusted towards the credit card dues.
The bank collects Rs. 99 plus applicable GST (per batch processed) for the redemption of credit card reward points.
The delivery of the E-voucher will take 3 to 10 working days, and the delivery of catalogue products will take 15 to 30 working days. Conversion of reward points to air miles will take about seven working days.
Updated On May 28, 2026
Written By
Written By Reshma RawatAssistant Content ManagerCredit Cards, Credit Score, Personal Loan, Home Loan, etc.
Reshma Rawat is a passionate writer with a decade of experience in writing for a variety of domains (finance, technology, lifestyle, e-commerce, real estate, etc.). Currently, she is working as Assistant Manager - Content @MyMoneyMantra and writes blogs & webpages on financial products (loans, credit cards, insurance, government financial policies, mutual funds, etc.).
