One of the biggest players in the credit card industry, SBI Card undoubtedly offers a diverse range of numerous credit cards catering to a different sets of individuals as per their lifestyle, income, spending habits, etc. By choosing amongst the various categories of SBI credit card types, you can avail yourself of wide-ranging benefits across whichever categories you tend to spend and use the most. Make sure to compare the various cards for which you are eligible and then take the decision as per your eligibility and credit card spending habits in order to maximize the available benefits on various SBI credit card types.
A wide range of SBI credit card types are offered in diverse categories, primary amongst them being shopping, travel, lifestyle, reward and fuel. For making it easier to go through the long and wide list of SBI credit card types and features offered by them, mentioned here are some of the best SBI credit cards available in India.
|Best SBI Credit Cards|
|SBI SimplySAVE Credit Card|
|SBI SimplyCLICK Credit Card|
|SBI Card PRIME|
|SBI Card ELITE|
|Air India SBI Platinum Credit Card|
|Club Vistara SBI Card PRIME|
Amongst the varying SBI credit card types and features offered, let us deep dive and know about some of the best SBI cards as mentioned above.
Annual Fee: Rs. 499
Welcome Benefit- E-gift card worth Rs. 500 worth from Amazon
Reward Points- Earn 1 Reward Point on every spending worth Rs. 100
Additional rewards- Get 10X Reward Points for online shopping with exclusive partners
Benefits on reaching milestone spend- Get an e-voucher worth Rs. 2,000 each on reaching spends of Rs. 1 lakh and Rs. 2 lakh in a year
Reversal of Annual Fee -Get annual fee reversed in the subsequent year upon spending Rs. 1 lakh in a year
Annual Fee: Rs. 2,999
Welcome Benefit- Get an e-gift voucher worth Rs. 3,000 redeemable with various listed partners.
Reward Points- Get 2 Reward Points for every spending of Rs. 100 on retail shopping, and get 10X reward points on making payment of utility bill through standing instruction facility
Benefits on reaching milestone spend- Get Pizza Hut e-Voucher worth Rs. 1,000 upon spending Rs. 50,000 in one quarter
Reversal of Annual Fee -Get annual fee reversed in the subsequent year upon spending Rs. 3 lakh in a year
Hotel Privileges available- get complimentary Trident Privilege Red Tier Membership along with 1,000 welcome points as well.
Insurance Cover offered- Get complimentary Air Accident Liability Cover worth Rs. 50 lakh as well as Fraud Liability Cover of Rs. 1 lakh as this card’s user
Travel related benefits- Get complimentary Club Vistara Silver Membership coupled with 1 free upgrade voucher as well. Get lounge access in the form of 4 free visits (subject to a maximum of 2 per quarter) to international lounges along with Priority Pass Membership. Also, get 8 complimentary visits each calendar year to domestic lounges as well.
Annual Fee: Rs. 499
Bonus Rewards– Get 2,000 bonus reward points upon reaching spending of Rs. 2,000 within the first 60 days of the credit card's issuance
Other Rewards- Get 1 Reward Point for every Rs. 100 spent, 10X reward points upon spending on Dining, Movies, Grocery Spends as well as Departmental Stores, and get 4 Reward Points equivalent to Re. 1 upon redemption
Reversal of Annual Fee- Get annual fee reversal in next year upon spending Rs. 1 lakh in a year
Fuel Surcharge Waiver– Amongst the various categories of SBI credit card types, this card is one of those providing a 1% fuel surcharge waiver, subject to the maximum being capped at Rs. 100 per credit card statement cycle
Annual Fee: Rs. 4,999
Welcome Benefit- Get an E-gift voucher worth Rs. 5,000 within 15 days of making the annual fee payment successfully
Movie Benefit- Get complimentary movie tickets worth Rs. 6,000 each year
Bonus Reward Points- When comparing various SBI credit card types, this card provides an attractive benefit of offering as high as 50,000 Bonus Reward Points worth Rs. 12,500 every year
The benefit of Lounge Access- Get complimentary membership for the Priority Pass Program, otherwise worth $99, and get 2 complimentary Domestic Airport Lounge visits in each quarter
Extra reward points- Get 5X Reward Points on categories of spending in Dining, Departmental stores as well as Grocery
Travel related benefits- Get complimentary membership of Club Vistara Silver as well as Trident Privilege Red Tier
Lower Foreign Currency Mark-up fee-Foreign Currency Mark-up charge is much lesser than many other credit cards, being just 1.99% levied on card’s international usage
Annual Fee: Rs. 1,499
Welcome Benefit- Get 5,000 Reward Points upon making payment of the joining fee
Travel Benefit- Get complimentary Air India’s Flying Returns program
Reward Points- Get 5X reward points upon every spending of Rs. 100 on Air India flight’s bookings, subject to a maximum annual cap of 15,000 bonus points
Air Mile Conversion facility- Get Reward Points converted into Air Miles (1 reward point equals 1 Air India Air Mile)
Lounge Access- Get complimentary VISA lounge access at all domestic airports
Annual Fee: Rs. 2,999
Joining Benefit- Get 1 complimentary Vistara premium economy class ticket upon making payment of the joining fees
Vistara Membership- Get complimentary membership of Club Vistara Silver
Rewards- Get 4 Club Vistara Points for all your spends
Complimentary Lounge Access- Get complimentary membership of Priority Pass along with 4 free lounge visits every year
Benefits on reaching milestone spend- Get 1 premium economy ticket on successfully reaching the annual spending threshold of Rs. 1.5 Lakh, Rs. 3 Lakh, Rs. 4.5 Lakh and Rs. 8 Lakh, respectively
For becoming eligible for availing of the various SBI Credit Card Types, you should ideally have a strong credit score (preferred to be usually of 750 and above). Also, the age group for eligibility usually ranges between 18-60 years, and the occupation of the applicant can be either salaried or self-employed. Moreover, when making the decision to finalize amongst SBI credit card types and features listed by them, do not forget to factor in the numerous available SBI credit card types and annual charges as well to assist you in making the right choice of card.
The most convenient way to check eligibility for various available SBI Credit Card Types is to visit the SBI Card website and enter the required details like your income, age, occupation etc. If you are qualified for any SBI Card, you can go ahead and proceed with the submission of an online application with an SBI credit card. When doing so, remember to have a look at the income requirements of top SBI Credit Cards amongst the SBI credit card types, which are offered as per your financial eligibility.
Amongst the list of documents required for different SBI credit card types apart from a proper and duly filled application form, prospective applicants have to submit these:
Proof of identity
Proof of address
Proof of income
Now, to make things easier and clear for those applying for a card after comparing various SBI Credit Card Types, given below is an indicative list of documents acceptable:
Proof of Identity-Aadhaar card, Driver's License, Passport, PAN Card, Overseas Citizen of India Card, Voter's ID, Letter issued by the UIDAI, Job card issued by NREGA, POI Card or any other government-approved photo ID proof
Proof of Address- Aadhaar card, Passport, Driver’s License, Utility Bill (up to 3 month’s old, Ration Card, Person of Indian Origin Card, Property Registration Document, Job card issued by NREGA, Bank Account Statement or any other government-approved address proof available
Proof of Income- Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
When checking the documentation, factor in the available options amongst SBI credit card types and annual charges listed by them as well.
When going through SBI credit card types and annual charges, ensure to also factor in other charges like late payment fees and finance charges, as these two are amongst the most commonly levied charges on credit cards.
|Annual Fee||Differs from Card to Card|
|Finance Charges||Up to 3.5% per month, computing out to be 42% p.a|
|Late Payment Charges||Widely ranges from NIL to Rs. 1,300 based on the varying total amount due.|
You can apply for various SBI credit card types both online as well as offline. Irrespective of the mode, remember to compare amongst the SBI credit card types and features to zero in on the most suitable card as per your financial habits and income.
STEP 1-Visit SBI Card website or app
STEP 2- Fill in the basic and asked requirements such as your name, address, date of birth, monthly income, occupation etc.
STEP 3- Choose amongst the credit card options available in the form of SBI credit card types, as per your eligibility criterion.
STEP 4- Upon submitting the application, SBI Card will review it and then accordingly get it accepted and give you a credit limit offer as per your income and other eligibility criteria. You will receive the requested credit card usually within some working days.
Visit the nearest SBI branch to apply amongst the numerous SBI Credit Card Types. At the branch, you get to interact with SBI Card's representatives, who suggests a card as per your credit profile, requirements and eligibility. You can accordingly fill out the chosen credit card’s application form and submit it along with, of course, the required documents. You will receive your SBI credit card usually on some working days.
Yes, for all available and offered SBI credit card types, SBI Card has an exclusively built app with the same name, 'SBI Card', which is available on both Android as well iOS platforms.
No. Although it is usually not allowed to convert reward points directly into cash, there are some SBI credit cards that allow accumulated reward points to be redeemed against payment of your card outstanding dues. On all such cards, redemption value stands at Rs.1 for every 4 reward points.
In such scenarios, notify the bank/credit card issuer immediately, as the lender will block your card quickly to avoid any fraudulent transactions.
Yes, the cash advance facility allows you to withdraw cash from your credit card. Remember that for various SBI credit card types and annual charges checked by you when availing a card, finance charges as well as cash advance fee is levied on cash withdrawals made through it.
No. A nominal fee termed as joining fees has to be paid by applicants when availing of any of the SBI credit card types. Some cards allow waiver or reversal of this fee in the next year upon spending a specific preset amount on that card.