|Name of the Card||Joining Fee||Annual Fee||Best For|
|SimplyCLICK SBI Card||Rs. 499||Rs. 499||Shopping|
|SBI Elite Credit Card||Rs. 4,999||Rs. 4,999||Lifestyle, Shopping, Travel|
|SimplySAVE SBI Card||Rs. 499||Rs. 499||Shopping|
|SBI Card Unnati||Nil||Rs. 499 (5th year onwards)||Shopping & Rewards|
|SBI Card Prime||Rs. 2,999||Rs. 2,999||Rewards & Travel|
|SBI Card PRIME Advantage||Rs. 2,999||Rs. 2,999||Rewards & Travel|
|SBI Elite Advantage||Rs. 4,999||Rs. 4,999||Lifestyle & Rewards|
Advantage SBI Card
|Rs. 499||Rs. 499||Shopping & Rewards|
|Rs. 499||Rs. 499||Shopping & Rewards|
|Doctor's SBI Card||Rs. 1,499||Rs. 1,499||Lifestyle & Rewards|
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 wide range of SBI Debit Card & credit card benefits.
Some features and benefits that set SBI Credit Cards apart from the rest are as follows:
Apply Instant for SBI Personal Loan.
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:
Additional Info: Also check sbi balance check number
Following is the list of common documents to be submitted by each applicant for approval of the SBI Credit Card:
Also Read - 7 Reasons to Get an SBI Credit Card
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|
|Credit Score||Good credit score e.g. 700 and above (Subject to the bank's internal credit checking process)|
|Age||21 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:
Additional Check: Cibil score for credit card
Additional Info: Also get Canfin Home Loan
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:
Benefits of booking balance transfer on your SBI Card
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.
The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:
To check the rewards that you have earned:
Also Read - SBI Credit Card Reward Points Convert to Cash
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:
Offline SBI credit card payment options
Apply Instant for SBI Home Loan.
Additional Reading: How to increase cibil score fast?
Know how good your score is
Get insights on how to improve it
Unlock offers as per your score
Earn max rewards & redeem for cash back, value back offers, discounts & exclusive deals.
Depending on your lifestyle and usage, you can select among a variety of SBI credit cards that give value back. For example:
SBI credit cards are loaded with various unique features, such as:
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.
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
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.
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.
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.
No, you can't. You need to have a minimum salary of Rs. 20,000 month for availing SBI Credit Card.
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.
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.
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:
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.
Alternatively, you can contact MyMoneyMantra to get an answer to your credit card queries.
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.
Currently, SBI Cards allow following BT plans:
|Tenure||Rate of Interest||Processing Fee|
|60 days||0% per month||2% or Rs. 199|
(whichever is higher)
|6 months||1.7% per month||Nil|
As for BT on EMI, SBI offers these plans:
|Tenure||Rate of Interest||Processing Fee|
|3 months||0.75% per month||1.5% or Rs. 199, (whichever is higher)|
|6 months||1.27% per month||1.5% or Rs. 199, (whichever is higher)|
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.
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.
No, BT can be booked only by primary cardholders.
No, the facility of Balance Transfer can only be availed for the cards owned by the primary cardholder in his/her name.
If you are an SBI credit cardholder you can get your limit revised:
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.
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.