Top 10 SBI Credit Cards

Name of the CardJoining FeeAnnual FeeBest For
SimplyCLICK SBI CardRs. 499Rs. 499Shopping
SBI Card EliteRs. 4,999Rs. 4,999Lifestyle, Shopping, Travel
SimplySAVE SBI CardRs. 499Rs. 499Shopping
SBI Card UnnatiNilRs. 499 (5th year onwards)Shopping & Rewards
SBI Card PrimeRs. 2,999Rs. 2,999Rewards & Travel

SBI Card PRIME Advantage

 

Rs. 2,999Rs. 2,999Rewards & Travel
SBI Elite AdvantageRs. 4,999Rs. 4,999Lifestyle & Rewards

SimplySAVE

Advantage SBI Card

Rs. 499Rs. 499Shopping & Rewards

SimplyCLICK

Advantage Card

Rs. 499Rs. 499Shopping & Rewards
Doctor's SBI CardRs. 1,499Rs. 1,499Lifestyle & Rewards

 

SBI Credit Card Benefits

SBI Credit Cards are powered-packed Credit Cards that are also backed by MasterCard/Visa Privileges and SBI Card advantage. Owning an SBI Credit Card, you hold an international card that is accepted in more than 24 million outlets across the globe. Each SBI Card is carefully designed to meet the customized need of each segment of customers, varying from travel, shopping, rewards & cash back to lifestyle to dining and much more. 

Some of the common benefits which are akin to each SBI cardholder include:

  • Reward points: With your SBI Credit Card, you earn rewards points on retail purchases made for online booking, movie tickets booking, dining, and departmental stores. You can conveniently redeem these points to pay back your Card outstanding or avail amazing gifts or gift vouchers listed on rewards booklet.
  • Special offers: You can get several offers including special weekly offers, and exclusive Visa offers on your transactions.
  • Discount offers: Many of the SBI Cards are wrapped with welcome gift vouchers and discount schemes with partner websites and retail stores.
  • Fuel surcharge waiver: Your SBI Card also helps you save every time you refill fuel at the petrol pumps across the country. You earn 1% surcharge waiver, subject to a monthly limit that is defined on each card.
  • Global acceptance: SBI Cards are globally accepted and can be used as international cards. SBI Travel Cards also bring free global replacement benefit. You can seek emergency card replacement service if you lose or break the card on the foreign land.
  • Flexipay: Flexipay EMI allows you to convert your retail purchases via card into equated monthly instalments.
  • Lower interest rate using BT facility: Balance Transfer (BT) facility on your SBI Card enables you to save while paying out your credit card dues. You can transfer your other banks' credit cards' outstanding balance to your SBI Card at an affordable EMI which is calculated at a lower rate of interest.
  • Easy Bill Pay Facility: Easy online payment options ensure that you never miss any repayments on your card.
  • Easy Cash: Easy encashment options allow you to get cash via online or phone requests for any additional cash requirement.
  • Lowest Forex Markup: You enjoy the lowest Foreign Currency Mark-up Charge of 1.99% on International use of SBI Card.
  • Club Vistara Membership: As a select SBI credit card member, you also get complimentary Club Vistara Silver membership.
  • Trident Privilege Membership: Another complimentary membership is Trident Privilege Red Tier
  • International Lounge Program: You can enjoy complimentary Priority Pass Program membership worth which makes you eligible for visits to select International Airport Lounge visits.
  • Domestic Lounge Program: Likewise, you also enjoy complimentary access to the Domestic Airport Lounge.
  • Milestone Privileges: With each card, you can earn Bonus Reward Points every year on crossing an annual milestone. The milestone privileges include annual recharge fee waiver, 1000s of reward points and much more.

Fee & Charges

  • Annual & renewal fees: Annual fee is a one-time charge & renewal fee is charged every year. These charges may vary for different card variants and cardholders.
  • Cash advance fee: 2.5% or Rs. 500, whichever is higher at domestic ATMs & 2.5% or Rs. 500, whichever is higher at international ATMs.
  • Cash payment fee: Rs.199 + all applicable taxes.
  • Finance charges: Up to 3.50% per month or 42% per annum from the date of transaction (minimum Rs. 25 for each transaction, exclusive of applicable taxes).
  • Late payment charges: 
  • Total amount due Rs. 0 - Rs. 500: NIL
  • Total amount due above Rs. 500 & up to Rs. 1,000: Rs. 400
  • Total amount due above Rs. 1000 & up to Rs. 10,000: Rs. 750
  • Total amount due above Rs. 10,000 & up to Rs. 25,000: Rs. 950
  • Total amount due above Rs. 25,000 & up to Rs. 50,000: Rs. 1,100
  • Total amount due above Rs. 50,000: Rs. 1300
  • SBI will also levy an additional late payment charge of Rs. 100 on missing Minimum Amount Due payment by the due date for 2 consecutive cycles. 
  • Overlimit fees: 2.5 % of the overlimit amount or Rs. 600, whichever is higher.
  • Payment dishonour fee: 2% of payment amount, minimum Rs. 500
  • Card replacement: Rs. 100 - Rs. 250 (Rs. 1,500 for Aurum)
  • Statement retrieval fee: Rs. 100 per statement for more than 2 months old statements
  • Foreign Currency Transaction fee: 1.99% for Elite & Aurum Cardholders and 3.5% for all other cards.
  • Network change fee: Rs. 200
  • Ad-hoc credit limit increase fee: Rs 200
  • Cheque payment fee: Rs. 100
  • Dynamic & Static Conversion Markup fee: 1.99% for Elite & Aurum cards and 3.50% for all other cards (Only for transactions above or equal to Rs. 1,000).

Bill Payment Options for SBI Credit Card

You have both online and offline options to pay your Credit Card bill.

Online SBI Card bill payment

The various SBI Card online payment options available are as follows:

  • NEFT payment
  • Paynet - Pay Online
  • Visa Credit Card Pay
  • Using internet banking services of your SBI current/ savings account
  • Electronic bill payment using the net banking services of your current bank account.
  • National Automated Clearing House
  • Use any debit card to pay the SBI Card bill online through your account.
  • Pay via SBI mobile app
  • Pay via UPI
  • Pay Via YONO

Offline SBI credit card payment options

  • You can pay over the counter in your nearest SBI branch.
  • Deposit payment cheques in electronic drop boxes.
  • Drop payment cheques at your nearest SBI drop box.
  • Pay using your SBI Debit Card via any SBI ATM.

SBI Credit Card Features 

SBI Credit Cards are among the most preferred Credit Card options in the country since their entry in the market in the year 1998. Today they have become the second largest Best Credit Card Provider in India, with millions of satisfied customers who are availing endless SBI credit card benefits.

Some features and benefits that set SBI Credit Cards apart from the rest are as follows:

  • Email and SMS notification: With every transaction, you have the advantage of real-time transaction details and Credit Card limit alerts that are sent to you via emails and SMS.
  • Safe and Secure Cards: These cards use pin and chip technology, which is accepted worldwide and can be used in millions of outlets across the globe.
  • Increase Credit Limit: You have the option of increasing your Credit Card limit when you deem necessary.
  • Online Account Access: You can access your Credit Card account from anywhere in the world to check transactions and limit on your card.
  • Control your spending: You can add daily, weekly, and monthly limits to limit your spending on the card.
  • Insurance: You can choose insurance options for card theft in addition to accessing health, mobile phone, automobile and travel insurance on your SBI Credit Card for emergencies.

SBI Credit Card Documents 

Following is the list of common documents to be submitted by each applicant for approval of the SBI Credit Card:

  • Identity Proof Documents 
    • Aadhar
    • Passport
    • Voter's ID Card
    • Driving License
    • PAN Card
  • Address Proof Documents 
    • Aadhaar card
    • Driver's License
    • Any of the utility bills such as telephone bill, water bill, insurance, piped gas bill, postpaid mobile bill or electricity bill. The bills should not be more than 2 months old.
    • Property/Municipal Tax receipt
    • Payment orders for pension or family pension issued by State/Central Government departments to retired employees.
    • Letter of allotment of accommodation provided by the employer.
  • Income Proof Documents            
    • Latest salary slips (not more than 3 months old)
    • Last 3 month' bank statement
    • ITR
    • Form 16
  • Age Proof Documents
    • Birth certificate
    • Class X Certificate
    • voter's ID

SBI Credit Card Eligibility

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 CriteriaSalaried Employees/Self-employed professionals, and businessmen
Monthly Salary or ITR
  • Minimum monthly salary Rs. 20,000 (For salaried employees)
  • Annual ITR of Rs. 5 Lakhs (For Self-employed professionals and business owners)
Credit ScoreGood credit score e.g. 700 and above (Subject to the bank's internal credit checking process)
Age21 years and above

 

The SBI credit card eligibility criteria for each type of Card differ greatly. To check eligibility for a particular card, the common SBI credit card eligibility factors based on the requirement and the income of the applicant are:

  • Minimum age: 21 years
  • Maximum age: 60 years
  • Applicant must have a regular source of income
  • Applicant must have a decent credit score
  • Minimum salary should be  20,000 per month

Balance Transfer: How to Use the BT Feature and What are the Benefits?

The Balance Transfer (BT) facility on your SBI Credit Card enables you to transfer the outstanding balance on your other credit cards from other banks to your SBI Card at a lower rate of interest. When you decide to pay back this transferred balance in EMIs, the facility is called as BT on EMI.

 

You can book Balance Transfer on credit card in 3 simple ways:

  • Accessing your Online SBI Card Account: Login and click 'Benefits.' Further, select 'Balance Transfer' and fill the application. You can instantly share details and book BT.
  • SMS Service: Send text message "BT" to 56767
  • SBI Helpline: Call SBI Card helpline and request for BT service.
  • You can also Login and speak with Chatbot ELA, for booking BT.

 

Benefits of booking balance transfer on your SBI Card

  • Hassle free, instant booking.
  • Converts outstanding credit of other bank cards at a lower rate of interest.
  • You can opt to pay back in EMIs.
  • Facility to consolidate your credit card dues.
  • You get the flexibility to transfer amount ranging from 5000 to 75 % limit of the available card limit.

SBI Credit Card Reward Points

With every swipe, you earn reward points on your SBI Credit Card. These reward points can be redeemed to make several online purchases through associated vendors or through a dedicated online store on www.sbicard.com.

How do you earn reward points?

The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:

  • Choose the card type
  • Click on "Terms and Conditions" on the left hand side
  • Click on the "Shop and Smile" reward program
  • The points that you have earned will be mentioned under the "Points Earned Accumulated/ Redeemed" section in your account.

How to check your rewards summary?

To check the rewards that you have earned:

  • Refer to your latest statement
  • Log on to your account on sbicard.com. Go to the Dashboard and find the reward points and summary section.
  • SMS "Rewards XXXX" to 5676791 from your registered mobile number. XXXX stands for the last four digits of your Credit Card.

How to redeem the reward points?

  • You can redeem your reward points against Gift Vouchers through www.sbicard.com or on the SBI Card mobile app. In the "Rewards" section, click on "Redeem rewards" to see the various vouchers available.
  • You can also redeem your reward points against cash. Call the helpline or write to customer care on the email link provided on www.sbicard.com.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

small_thumbnail_RBL_6b392954d3_621e694196.png
small_SBI_Bank_8169128416.png
small_Axis_bank_2a1ecf5c80.png
HDFC-Bank.png

Best Rewards Credit Cards

Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.

SBI Credit Card FAQs

Which SBI credit card is best for Cashback?

Depending on your lifestyle and usage, you can select among a variety of SBI credit cards that give value back. For example:

  • Tata Platinum Card gives you up to 5% value back on spending at selective outlets.
  • Tata Titanium Card gives you 1.5% value back on spending at Croma and cromaretail.com, and up to 5% value back on spending at Tata Outlets.
  • SBI Card Unnati gives you Rs. 500 cashback on annual spending of Rs. 50,000.
  • BPCL SBI Card gives you a 4.25% value back and 13X Reward Points on spending every Rs. 100 on fuel purchases.
  • Chennai Metro SBI Card gives you 2000 Bonus Cash Points on spending Rs. 2,000 in the first 60 days.

What is the unique feature of the SBI credit card?

SBI credit cards are loaded with various unique features, such as:

  • Lower interest option: You can transfer the outstanding balance of your other credit cards to the SBI credit card at the lower interest rate or simply convert your transactions into EMIs.
  • Encash: You can avail Encash with SBI Card up to or above your credit limit and get funds transferred into your account within 48 hours to fulfil your financial needs.
  • Insurance: SBI credit card gives you three different types of insurance covers to choose from, empowering you to handle health issues, accidents, card loss/ theft more easily.
  • Bill payment: Pay your utility bills easily with features like Auto Pay, Register & Pay, and Fast Pay.

What is the minimum salary for the SBI credit card?

Salary requirements may vary for different credit cards offered by SBI. However, usually, the bank requires you to have a minimum monthly salary of Rs. 20,000.

Which SBI credit card is best for salaried employees?

SBI SimplySave Credit Card and SBI SimplyCLICK Credit Card rank best among the list of best SBI credit cards for salaried employees due to their unique features. These cards have low annual fees & joining fees and offer bonus points & reward points on each transaction. The fees for SBI SimplyCLICK Credit Card can be waived off on achieving the spending milestone in an annual year.

You can choose the card that suits your lifestyle and needs in the best way

Can I have 2 SBI credit cards?

Yes. You can have more than one credit card from SBI as long as you meet their qualification criteria. If you have always managed your current credit card efficiently, it can be easier for you to get approval for the new credit card.

Which credit card is best in SBI?

SBI offers a range of credit cards to choose from which starts from shopping, lifestyle, rewards, lifetime, travel and fuel cards. Some of the best SBI Credit cards that give exclusive benefits to customers are Simply CLICK SBI Card, SBI Card Elite, Simply SAVE SBI Card, SBI Card Unnati, Doctor?s SBI Card.

What is the minimum salary for SBI credit card?

You need to have a regular income in order to apply for SBI Credit Card. You can avail SBI Credit card with a minimum salary of Rs. 20,000 per month but if you want a credit card as per your choice you must fulfill the higher eligibility norms.

Can I get SBI credit card with 10000 salary?

No, you can't. You need to have a minimum salary of Rs. 20,000 month for availing SBI Credit Card.

Can I convert SBI credit card reward points into cash?

Yes, you can easily convert SBI Credit card reward points into cash provided if your card carries the feature of redeeming into cash.  You can redeem the reward points into cash by various options like write an email by login into the net banking of SBI credit card or call at the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and request for the points conversion in cash.

How can I redeem reward points on my SBI credit card?

Reward points on your SBI Credit Card account can be redeemed in several ways. For Gift Voucher, redeem through sbicard.com or SBI credit card application. You can review rewards catalogue online and redeem points there itself.

You can directly mail to the bank at sbicard.com/email or call the SBI Credit Card helpline for redemption against cash.

How do I pay my SBI Card bill?

You get complete flexibility to make the payment for your SBI Credit Card. You can choose the mode according to your convenience. The available options are:

  • Online net banking
  • NEFT
  • NACH or National Automated Clearing House
  • SBI Auto Debit
  • Paynet-Pay Online
  • SBI Mobile Banking
  • Online SBI
  • Debit Card
  • Mobile App Payment
  • Visa Credit Card Pay
  • Electronic Bill Payment
  • Over the Counter
  • SBI ATM
  • Electronic Drop Box
  • Manual Drop Box

I have made my SBI Credit Card Payment, but it is not reflecting on my account. What should I do?

Before you write for the delayed transaction status, make sure there is no bank holiday during the waiting time. If there is one, you should wait for another day.

  • Write your complaint here: sbicard.com/email
  • You can also call helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code)

How do I apply for an Add-on Card?

  • It is entirely hassle-free to apply for an Add-On Credit Card.
  • Login with your User ID & Password on sbicard.com and apply for Add-on Card on your Account.
  • You can also download the form for Add-on Card on official SBI credit card website: www.sbicard.com and send the duly filled form on the corporate office in Delhi.
  • The address is SBI Cards and Payment Services Ltd, P.O Box No-16, G.P.O, New Delhi-110001

Alternatively, you can contact MyMoneyMantra to get an answer to your credit card queries.

How do I know about the credit limit on my Add-on Card?

The Credit Limit is shared between the Primary Card and Add-On Cards. The Add-On card holder thus can use an Add-on Card up to the total credit limit of the account. However, the primary cardholder can set up a "credit limit" on the Add-on Card. The request for the same can be made by accessing the credit card account online.

What are the available Balance Transfer plans and Balance Transfer on EMI plans on my SBI Card?

Currently, SBI Cards allow following BT plans:

TenureRate of InterestProcessing Fee
60 days0% per month2% or Rs. 199
(whichever is higher)
6 months1.7% per month  Nil

 

As for BT on EMI, SBI offers these plans:

TenureRate of InterestProcessing Fee
3 months0.75% per month1.5% or Rs. 199, (whichever is higher)
6 months1.27% per month1.5% or Rs. 199, (whichever is higher)

Can I avail balance transfer facility on my other SBI Card?

No, BT service cannot be booked for another SBI Card that you own. It is only available to transfer balance outstanding on other bank cards.

Is there any cap on Balance Transfer that I can avail?

The limit for balance transfer varies as per the card holder's available credit limit. The limit for the minimum balance transfer is Rs. 5,000, where the maximum cap is 75% of the available limit to you. When you book the balance transfer, the maximum available limit is communicated to you.

Can an Add-on card holder book BT on SBI Card?

No, BT can be booked only by primary cardholders.

Can BT on EMI can be booked for my friends' or relatives' credit cards from other banks?

No, the facility of Balance Transfer can only be availed for the cards owned by the primary cardholder in his/her name.

How do I apply for Credit Limit Increase (CLI)?

If you are an SBI credit cardholder you can get your limit revised:

  • If you are pre-approved for credit limit offer. You would not need any document to avail such an SBI Credit Card offer. The bank will inform you about the offer by SMS to your registered Mobile Number, Email, Monthly Statement or online in your Login Section.
  • You can request formally to the bank and submit income documents. You are required to email bank at sbicard.com/email and wait for a response for 2 working days. You can also contact SBI Card helpline number.
  • You can also contact MyMoneyMantra Credit Card Team for all your SBI Credit Card details, queries, and requests.

How to report a Lost or Stolen SBI credit card? How can I get a re-issue of the same?

You can access your Credit Card account online and click Report Lost/Stolen Card' under Tab 'Requests.'

To request a re-issue, click "Reissue Card" and submit the request.

How and when should I raise a transaction dispute on my SBI Card?

You must raise a transaction dispute within 25 days of the transaction by filling a Transaction Dispute Form (TDF) and supporting Documents (as mentioned in the TDF). The TDF is available on the central section on the official SBI Card website. On availing TDF, the SBI Card is authorized to investigate the dispute with the respective Merchant. It may take 45-60 days to resolve the dispute. The SBI Card will acknowledge the request as well as resolution via written communication.