BEST SBI LIFESTYLE CREDIT CARDS
SBI has creted few unique credit cards keeping in mind the requriment of a set of people who are always looking for something special to enhance thier lifestyle. Here are the top SBI Credit Card to provide you life style benefits.
SBI CARD ELITE
Best Suitable for Dinning, Lounge, Golf Benefit, Movie & Shopping | InvestmentCover Rating ★★★
- Annual fee – Rs 4999 + Taxes
- Welcome gift – Get a welcome e-gift voucher worth Rs 5000 on spends with partners including Yatra, Hush Puppies / Bata, Pantaloons, Shoppers Stop, Louis Phillippe, Van Heusen, Allen Solly, Peter England, Planet Fashion and Simon Carter.
- Milestone Privileges – Earn 10,000 bonus reward points on annual spends of Rs 3 and 4 lakhs and 15,000 Bonus Reward Points on annual spends of Rs 5 and 8 lakhs.
- ELITE Rewards – Get 2 reward points per Rs 100 on all other spendings except fuel. Also, pay your card outstanding with reward points (4 reward points = Re 1).
- International Lounge Program – Get complimentary membership to the Priority Pass Program worth $99 for Primary Card users. Access to over 1000 airport lounges worldwide.
- Domestic Lounge Program – Get 2 complimentary domestic airport lounge visits every quarter.
- Club Vistara Membership – Get complimentary Club Vistara Silver membership along with 1 Lounge Access Voucher and 1 Upgrade Voucher. Earn 9 Club Vistara Points for every Rs 100 spent on Vistara flights.
- Trident Privilege Membership – Primary cardholders can now enjoy Trident Privilege Red Tier membership and get exclusive 1000 welcome points on registration. Get 10% instant savings on booking through hotel website.
- Fuel Surcharge Waiver – 1% fuel surcharge waiver on the transaction between Rs 500 – Rs 4000.
Check Eligibility
DOCTOR’S SBI CARD
Best Suitable for Insurance & Fuel | InvestmentCover Rating ★★★
- Annual fee – Rs 1499 + Taxes
- Welcome gift – Get e-voucher from Yatra.com worth Rs 1500.
- Reward Points – 5x reward points on travel bookings, international spends, and on all spends on 1st July, i.e., Doctor’s day. Per Rs 100 spent = 1 reward point and 4 reward points = Re 1.
- Renewal Fee Reversal – Get renewal fee reversal on annual spends of Rs 2 lakhs.
- Milestone Benefits – Shop for Rs 5 lakhs annually and get e-gift vouchers worth Rs 5000 from Yatra.com / Shopper’s Stop / Bata.
- International Lounge Program – Primary cardholders can get a complimentary membership to the Priority Pass Program worth $99. Avail 4 visits per year to International Airport Lounges outside India and access to 1000+ airport lounges worldwide.
- Domestic Lounge Program – Get 8 complimentary visits per year to domestic airport lounges.
SBI CARD PRIME
Best Suitable for Dining, Fuel, Golf Benefits & Lounge | InvestmentCover Rating ★★★
- Annual fee –Rs 2999
- Prime Rewards – Gain 20 reward points per Rs 100 spent on standing instructions of utility bills payment, 15 reward points per Rs 100 spent on BigBasket, 10 reward points per Rs 100 spent on departmental stores, dining, movies, groceries and 2 reward points on per Rs 100 spent on all other retail spends. Also, pay your card outstanding with reward points (4 reward points = Re 1)
- Milestone benefits – Avail Pizza Hut e-voucher worth Rs 1000 on spending Rs 50,000 in a calendar quarter. Also, get an e-gift voucher worth Rs 7000 from Yatra.com / Pantaloons on an annual spend of Rs 5 lakhs.
- Trident Privilege Membership – Get complimentary Trident Privilege Red Tier membership and avail 1000 welcome points. Enjoy 1500 bonus points on your first stay. Get 10% instant savings on booking through hotel website.
- Lounge Access – Primary cardholders get 4 complimentary visits per year to International Priority Pass Lounges outside India and 8 complimentary visits per year to Domestic VISA / Mastercard Lounges in India.
- Fuel Surcharge Waiver – Get a 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 4000.
Check Eligibility
BEST SBI SHOPPING CREDIT CARDS
State Bank Of India (SBI) has designed Credit Card especially for people who want a credit card for shopping benefits like cashback, discount, rewards, etc. The following are the SBI Credit Card best suitable for Shopping:
SimplyCLICK SBI CREDIT CARD
Best Suitable for: Shopping, Fuel & Rewards | InvestmentCover Rating ★★★★
- Annual fee –Rs 499
- Online Shopping Rewards – Get 10x reward points on shopping with partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo and Urbanclap and 5x reward points on all other online spends.
- Milestone Rewards – Get Cleartrip e-voucher worth Rs 2000 on annual online spend of Rs 1 lakh.
- Annual Fee Reversal – Spend minimum Rs 1 lakh and get your annual fee reversed for the next year.
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
Check Eligibility
SimplySAVE SBI CREDIT CARD
Best Suitable for Shopping, Fuel, Movie & Dinning | InvestmentCover Rating ★★★★
- Annual fee –Rs 499
- Reward points – Get 10 reward points per Rs 100 spent on dining, groceries, movies, and departmental stores and 1 reward point per Rs 100 spent on other purchases (4 reward points = Re 1). Spend a minimum of Rs 2000 in the first 2 months and get 2000 bonus reward points.
- Spend based reversal – Spend minimum Rs 1 lakh and get your annual fee reversed for the next year.
- Fuel Surcharge Waiver – Get a 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
Check Eligibility
FBB SBI STYLEUP CARD
Best Suitable for Shopping, Rewards & FBB | InvestmentCover Rating ★★★
- Annual fee –Rs 499
- Welcome Gift – Get fbb gift voucher worth Rs 500 within 15 days of joining. Also, get anniversary gift of 2000 bonus points every year
- Discount Waiver – Flat 10% discount on shopping through fbbonline.in, fbb and Big Bazaar stores
- Reward Points – Get 10x reward points on shopping at Big Bazaar, Standalone fbb and Food Bazaar outlets and all other dining expenditures.
- Paywave – Pay through the contactless transaction by just waving your card at a secure reader and complete your purchase.
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
BEST SBI TRAVEL CREDIT CARDS
Frequent travelers are always looking for a credit card that gives them travel benefits like Fee Air Miles, Airport Lounge access, Discount on Hotels, Flights & Taxi fare. Here are the top 5 SBI Credit Card suitable for travelers.
AIR INDIA SBI SIGNATURE CREDIT CARD
Best Suitable for Travel, Fuel, & Lounge | InvestmentCover Rating ★★★
- Annual fee – Rs 4999+ Taxes
- Welcome Gift – Earn a welcome gift of 20,000 reward points
- Reward Points – Get up to 1 lakh bonus reward points annually. Every Rs 100 spent = 4 reward points. You can also convert your reward points into Air India miles (1 reward point = 1 Air India mile).
- Get rewards on flying – Get up to 30 reward points for every Rs 100 spent on tickets booked through the Air India website or mobile app (30 reward points when the booking is done for self and 10 reward points when done for others).
- Lounge Access – Get International Airport Luxury Lounge Access to 600+ airport lounges with complimentary Priority Pass Program and enjoy the complimentary Visa Lounge Access Program at major domestic airports in India.
AIR INDIA SBI PLATINUM CREDIT CARD
Best Suitable for Travel, Airport Lounge & Fuel | InvestmentCover Rating ★★★
- Annual fee – Rs 1499
- Welcome Gift – Earn a welcome gift of 5000 reward points.
- Reward Points – Get up to 15,000 bonus reward points annually. Every Rs 100 spent = 2 reward points. You can also convert your reward points into Air India miles (1 reward point = 1 Air India mile).
- Get rewards on flying – Get up to 15 reward points for every Rs 100 spent on tickets booked through Air India website or mobile app (15 reward points when the booking is done for self and 5 reward points when done for others).
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 4000.
BPCL SBI CREDIT CREDIT CARD
Best Suitable For Travel & Fuel | InvestmentCover Rating ★★★
- Annual fee – Rs 499
- Welcome gift – Get 2000 reward points worth Rs 500 which can be redeemed on purchase of fuel at BPCL outlets, BPCL vouchers, or at Shop n Smile reward catalog.
- Value Back Benefits – Get 4.25% value back which is equivalent to 13x reward points on fuel purchase at BPCL petrol pumps.
- Reward Points – Get 5x reward points on every Rs 100 spent on movies, groceries, dining, and departmental stores. Get 1 reward point for every Rs 100 spent on the non-fuel purchase.
- Fuel Surcharge Waiver – Get 3.25% + 1% fuel surcharge waiver on all purchases up to Rs 4000.
YATRA SBI CREDIT CARD
Best Suitable For Travel, Fuel, Airport Lounge & Dining | InvestmentCover Rating ★★★
- Annual fee – Rs 499 + Taxes
- Travel Benefits – Get Rs 1000 off on domestic flight bookings and Rs 4000 off on international flight bookings using the promo code TRAVEL (minimum booking required = Rs 5000 for domestic and Rs 40,000 for international flights). Get 20% off on domestic hotels on minimum booking of Rs 3000 (promo code – TRAVEL)
- Reward Points – Get 6 reward points for every Rs 100 spent on movie, grocery, dining, departmental store, and international purchases. Get 1 reward point for every Rs 100 spent on other categories.
- Air Accidental Cover – Get complimentary air accidental cover of Rs 50 lakhs.
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
Check Eligibility
IRCTC SBI PLATINUM CREDIT CARD
Best Suitable For Travel & Fuel | InvestmentCover Rating ★★★
- Joining fee – Rs 500 + Taxes
- Annual renewal fee – Rs 300
- Welcome gift – 350 activation bonus reward points on single purchase of Rs 500 or more (excluding fuel and cash spends) within first 45 days on joining. Get Rs 100 cashback on first ATM withdrawal within 1 month of receiving the card.
- Value Back Benefits – Get up to 10% value back as reward points on bookings done through irctc.in. Book through irctc.co.in and earn 1 reward point for every Rs 125 spent on non-fuel purchases including tickets.
- Travel Offers – Book through irctc.co.in and save 1.8% on transaction charges and avail exclusive travel benefits. Also choose from over 5000 hotels across 350 cities in India.
- Fuel Surcharge Waiver – Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
Check Eligibility
OTHER SBI CREDIT CARDS
| SBI CREDIT CARD |
ANNUAL FEE (Rs) |
KEY FEATURES |
| SBI Card ELITE Advantage |
4999 |
Get a welcome e-gift voucher worth Rs 5000 on spends with partners including Yatra, Hush Puppies / Bata, Pantaloons, Shoppers Stop |
|
OLA Money SBI Credit Card
|
499
|
Get 7% reward points on all OLA rides. 1 reward point = Re 1.
|
|
Apollo SBI Credit Card
|
499
|
Get 3x reward points on every Rs 100 spent on all Apollo services and upto 10% instant discount on select services.
|
|
SBI Card PRIME Advantage
|
2999
|
Get e-gift voucher worth Rs 3000 from any of the following brands: Bata / Hush puppies, Pantaloons, Shoppers Stop and Yatra.com
|
|
SBI Card Unnati
|
499
|
Free for the first 4 years.
Rs 100 spent = 1 reward point
|
|
SimplyCLICK Advantage SBI Card
|
499
|
Get 10x reward points on shopping with partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo and Urbanclap and 5x reward points on all other online spends.
|
|
SimplySAVE Advantage SBI Card
|
499
|
Get 10 reward points per Rs 100 spent on dining, groceries, movies and departmental stores and 1 reward point per Rs 100 spent on other purchases (4 reward points = Re 1).
|
|
IRCTC SBI Card Premier
|
1499
|
Get reward points of 1500 equivalent to Rs 1500 on joining
Get 2500 reward points on spending Rs 50,000 annually and 5000 reward points for spending Rs 1 lakh annually.
|
|
Club Vistara SBI Card
|
1499
|
Get welcome e-gift voucher of 1 economy class ticket.
Earn 3 reward points per Rs 200 spent on all categories.
|
|
Etihad Guest SBI Card
|
1499
|
Get welcome gift of 2500 Etihad Miles and complimentary Etihad Guest Silver tier status.
Get 3 reward points on every Rs 100 spent on Etihad.com
|
|
Chennai Metro SBI Card
|
499
|
Get dual usage with the Chennai metro travel cum credit card.
Get 10x rewards on dining, grocery and movie spends.
|
SBI CARD ELITE ADVANTAGE
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get a welcome e-gift voucher worth Rs 5000 on spends with partners including Yatra, Hush Puppies / Bata, Pantaloons, Shoppers Stop, Louis Phillippe, Van Heusen, Allen Solly, Peter England, Planet Fashion and Simon Carter.
- Free movie tickets worth Rs 6000 every year.
- Upto 50,000 bonus reward points worth Rs 12,500/year. Earn 10,000 bonus reward points on annual spends of Rs 3 and 4 lakhs and 15,000 bonus reward points on annual spends of Rs 5 and 8 lakhs.
- Get 5x reward points on spends on dining, departmental stores and grocery. Get 2 reward points per Rs 100 on all other spends except fuel (4 reward points = Re 1).
- Get 2 complimentary domestic airport lounge visits every quarter.
- Get complimentary Club Vistara Silver membership along with 1 Lounge Access Voucher and 1 Upgrade Voucher.
- Get Trident Privilege Red Tier membership and exclusive 1000 welcome points on registration.
- Get 1% fuel surcharge waiver on transaction between Rs 500 – Rs 4000.
OLA MONEY SBI CREDIT CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Join the OLA Money SBI Card for free. Annual fee of Rs 499 will be applied from second year onwards.
- Get 7% reward points on all OLA rides. 1 reward point = Re 1.
- Get 1% reward points on all other spends which will be credited to OLA wallet. 1 reward point = Re 1.
- Book your travels and stays through Cleartrip and get various cashbacks. Get 5% cashback on flight tickets, 20% cashback on domestic hotels, 6% cashback on international hotels and 12% on activities booked through Cleartrip.
- Get 20% cashback on 6000+ restaurants on payment done through dineout.
- Get 1% fuel surcharge waiver across all petrol pumps in the country.
APOLLO SBI CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Avail 500 reward points worth Rs 500 on payment of joining fee and get complimentary Apollo Silver Tier membership.
- Get 3x reward points on every Rs 100 spent on all Apollo services and upto 10% instant discount on select services.
- Get fee reversal from second year onwards on spend of Rs 90,000 in a year
- Get 1% fuel surcharge waiver across all petrol pumps in the country.
SBI CARD PRIME ADVANTAGE
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get e-gift voucher worth Rs 3000 from any of the following brands: Bata / Hush puppies, Pantaloons, Shoppers Stop and Yatra.com
- Gain 20 reward points per Rs 100 spent on standing instructions of utility bills payment, 15 reward points per Rs 100 spent on BigBasket, 10 reward points per Rs 100 spent on departmental stores, dining, movies, groceries and 2 reward points on per Rs 100 spent on all other retail spends.
- Avail Pizza Hut e-voucher worth Rs 1000 on spending Rs 50,000 in a calendar quarter. Also, get e-gift voucher worth Rs 7000 from Yatra.com / Pantaloons on annual spend of Rs 5 lakhs.
- Get complimentary Trident Privilege Red Tier membership and avail 1000 welcome points. Enjoy 1500 bonus points on your first stay. Get 10% instant savings on booking through hotel website.
- Get complimentary Club Vistara Silver membership along with 1 Lounge Access Voucher and 1 Upgrade Voucher for Primary card holders. Earn 9 Club Vistara points for every Rs 100 spent on Vistara flights.
- Get 20 reward points per Rs 100 spent on your birthday
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 4000.
SBI CARD UNNATI
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Free for the first 4 years.
- Rs 100 spent = 1 reward point
- Spend Rs 50,000 annually and get Rs 500 cashback
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
- The card is issued with a lien on cardholder’s fixed deposit with SBI of Rs 25,000 or more
SIMPLYCLICK ADVANTAGE SBI CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get amazon.in gift card worth Rs 500 on joining.
- Get 10x reward points on shopping with partners: Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo and Urbanclap and 5x reward points on all other online spends.
- Get Cleartrip e-voucher worth Rs 2000 on annual online spend of Rs 1 lakh.
- Spend minimum Rs 1 lakh and get your annual fee reversed for the next year.
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
SIMPLYSAVE ADVANTAGE SBI CREDIT CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get 10 reward points per Rs 100 spent on dining, groceries, movies and departmental stores and 1 reward point per Rs 100 spent on other purchases (4 reward points = Re 1).
- Spend minimum Rs 1 lakh and get your annual fee reversed for the next year.
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
IRCTC SBI CARD PREMIER
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get reward points of 1500 equivalent to Rs 1500 on joining.
- Spend Rs 2000 within the first 2 months and get movie vouchers from MakeMyTrip.
- Book tickets from irctc.co.in and get 10% valueback.
- Get 2500 reward points on spending Rs 50,000 annually and 5000 reward points for spending Rs 1 lakh annually.
- Get complimentary rail accident insurance of Rs 10 lakhs..
- Save 1.8% on rail and air tickets booked on irctc.
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 4000.
CLUB VISTARA SBI CREDIT CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get welcome e-gift voucher of 1 economy class ticket.
- Earn 3 reward points per Rs 200 spent on all categories.
- Get comprehensive insurance cover: upto Rs 1 lakh on lost card viability, upto Rs 3500 each on 4 cancellations, upto Rs 2500 on baggage damage, upto Rs 50 lakhs on air accident cover and more
- Get 1000 bonus reward points on spending Rs 50,000 within first 3 months.
- Save upto 33% on select hotels and resorts.
ETIHAD GUEST SBI CREDIT CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get welcome gift of 2500 Etihad Miles and complimentary Etihad Guest Silver tier status.
- Get 3 reward points on every Rs 100 spent on Etihad.com
- Get upto 10% discount on Etihad Airways booking (3% on economy class and 10% on business class).
- Get 5000 Ethihad Guest miles on spending Rs 5 lakhs annually.
- Reversal of annual fee from 2nd year onwards on minimum spending of Rs 3 lakhs in a year.
- Complimentary insurance of Rs 25 lakhs on overseas air accident coverage, Rs 50,ooo on fraud liability and $1000 on lost baggage allowance.
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 4000.
CHENNAI METRO SBI CARD
Note: This card is not available on investmentcover.com. Please visit SBI website to apply.
- Get dual usage with the Chennai metro travel cum credit card.
- Spend Rs 2000 within the first 2 months and get 2000 bonus reward points.
- Get 10x rewards on dining, grocery and movie spends.
- Rs 100 spent = 1 reward point.
- Get reversal of annual fee on annual spending of Rs 1 lakh.
- Get 1% fuel surcharge waiver across all petrol pumps on purchase of Rs 500 – Rs 3000.
ELIGIBILITY CRITERIA FOR SBI CREDIT CARD
Eligibility criteria may differ on the basis of the credit card you may want but some criteria remains the same for all cards which are:
- Salaried Applicant’s age must be between the range of 21-70 years.
- Self-Employed Applicant’s age must be between the range of 25-70 years.
- Applicant must have a good credit score. A credit score of 700+ is considered good.
- Applicant should have a monthly income. For a salaried person, minimum monthly salary should be Rs 20,000 and for self-employed and business persons, minimum annual ITR should be Rs 5 lakhs.
- Applicant should be able to produce all the necessary documents required.
Check SBI credit card eligibility criteria in details - Please click here
DOCUMENTS REQUIRED FOR SBI CREDIT CARD
| Documents Required for Identity Proof |
- Aadhar Card
- Passport
- Voter ID
- Driving License
- PAN Card
- NREGA Card
- Ration Card
|
| Documents Required for Address Proof |
- Aadhar Card
- Ration Card
- Passport
- Voter ID
- Driving License
- Electricity/Water or other utility bill not more than 2 months old
|
| Documents Required for Income Proof |
- Salary Slip
- Bank Statement
- Form 16
- ITR
- Bank Statements for the last 3 months
- Proof of business continuity for self-employed applicants
|
| Documents Required Additionally for NRI Applicants |
|
| Other Documents Required |
- Recent passport sized photograph
|
HOW TO APPLY FOR SBI CREDIT CARD ONLINE?
- Click on https://www.investmentcover.com/sbi-credit-cards.
- Fill the basic requirements like your Name, Occupation, Monthly Income etc.
- After you fill the requirements, a list of suitable credit card options will be shown to you.
- Select the option which suits your needs and apply for that credit card.
- Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.
Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com
APPLY SBI CREDIT CARD OFFLINE
- Visit the nearest branch of State Bank of India.
- Meet one of their credit card representatives and share your requirements and what you want from your SBI credit card.
- Based on this, the representative will suggest a credit card along with its features and benefits.
- Once you are satisfied, fill out the credit card application form and submit along with the required documents.
- You will receive your SBI credit card in a few days after the approval of your application.
OTHER FEES AND CHARGES FOR SBI CREDIT CARD
| Fee/Charge |
Amount/Rate |
| Credit card finance charge |
- Up to 2.5% per month for SBI card Unnati
- Up to 3.35% for other cards
|
| Minimum amount due each month |
- 5% of total outstanding amount or Rs.200 + taxes, whichever is higher
|
| Interest fee period |
|
| Finance charge on cash advance |
- Up to 2.5% per month for SBI Card Unnati
- Up to 3.35% per month for other cards
|
| Cash advance limit |
- Up to 80% of your total credit limit
- Maximum of Rs.15,000 per day
|
| Cash advance fee – SBI and local ATMs |
- 2.5% of amount withdrawn, minimum of Rs.300
|
| Cash advance fee – international ATMs |
- 3% of the transaction amount, minimum of Rs.300
|
| Statement retrieval |
- Rs.100 per statement – for statements more than 2 months old
|
| Late payment fee (charged based on the total outstanding amounts) |
- Below Rs.200: Rs.0
- Above Rs.200 to Rs.500: Rs.100
- Above Rs.500 to Rs.1,000: Rs.400
- Above Rs.1,000 to Rs.10,000: Rs.600
- Above Rs.10,000 to Rs.25,000: Rs.800
- Above Rs.25,000: Rs.950
|
| Over limit fee |
- 2.5% of the excess credit utilised or Rs.500, whichever is higher
|
| Card replacement fee – domestic |
|
| Card replacement fee while travelling abroad |
- Actual cost of the card or $175, whichever is higher
|
| Dynamic currency conversion fee or mark-up |
- 3.5% For SBI Card ELITE – 1.99%
|
| Rewards redemption charge |
|
HOW TO EARN & REDEEM POINTS ON SBI CREDIT CARD?
With every transaction, you earn various reward points on your SBI Bank Credit Card. These reward points can be redeemed to make several online purchases on www.sbicard.com.
How do you earn SBI Credit Card 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 your card.
- Click on "Terms and Conditions".
- 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 redeem the SBI Credit Card reward points?
- You can redeem your reward points 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 the official SBI website.
FEATURES AND BENEFITS OF SBI CREDIT CARD
- Global Acceptance – SBI Credit Cards are accepted all over the globe, including 3,25,000 outlets in India.
- Easy Bill Pay Facility – Pay your utility bills using the Easy Bill Pay facility using your SBI Credit Cards.
- Add-on Credit Cards – You can avail add-on cards for your family members like spouse, parents, siblings, or children who are above 18 years of age.
- Flexipay – Convert your SBI Credit Card transactions into easy monthly installments using Flexipay on a minimum transaction of Rs 2500.
- Balance Transfer on EMI – Save money by transferring the outstanding balance of other banks’ credit cards to your SBI Credit Card and get a lower rate of interest to pay back the EMIs.
- Easy Money Facility – You can get a cheque or draft made against the available cash limit on your SBI Credit Card and get it delivered to your doorstep.
- Secure Payments – All SBI Credit Cards are chip and PIN enabled and hence the payments made are safe and secure.
- Encash – Get your extra cash requirements through Encash within 48 hours and repay the money in 12, 24, or 36 months.
- Auto Bill Pay – Register your bills once on your SBI Credit Card and ensure timely payments every time with the auto bill payment facility.
- Lowest Forex Markup – Get the lowest Foreign Currency Mark-up Charge of 1.99% on international use of your SBI Credit Card.
- Insurance – SBI Credit Card makes you eligible for various kinds of insurance in case of need like Health Insurance, Personal Accident Insurance, Card Protection, Additional Health Cover, Motor Insurance, Life Insurance and Other Plans.
CUSTOMER CARE FOR SBI CREDIT CARD
SBI Credit Card Toll-Free Number:
- 1860 180 1290
- 1800 180 1290
- 39020202 (STD code)
- For Balance Enquiry – 8422845512
- For Reward Points Summary – 8422845514
- For Available Credit Limit and Cash Limit – 8422845513
- For Last Payment Status – 8422845515
SBI Credit Card “Simply SMS” Service
Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791
- To block your lost or stolen credit card, message BLOCK XXXX to the given number
- To know about available credit and card limit, message AVAIL XXXX
- To know the last payment status, message PAYMENT XXXX
- To know reward points summary, message REWARD XXXX
- To know about your balance, message BAL XXXX
- To request a duplicate statement, message DSTMT XXXX MM (statement month)
- To subscribe for an e-statement, message ESTMT XXXX
SBI Credit Card Postal Address
- Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001
- Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India
- SBI Credit Card Email: Click on https://www.sbicard.com/ to email to SBI.
SBI Credit Card Frequently Asked Questions (FAQs)
1. How to apply SBI credit card?
You can visit to InvestmentcoverSBI Credit Card page and fill up some basic information to check your eligibility. Post eligibility check you can pick and choose your desired SBI Credit Card based on features and benefits and fill up the rest of the information. After filling up all the mandatory information click on submit button. You will see the thank you page along with your application number. Your application will be send to SBI directly and customer care team will contact you for verification. Additionally you can visit SBI site and choose your desired card and apply online. Last but not the least you can visit the nearest SBI branch and apply for the desired credit card.
2. How to generate SBI credit card pin?
You can generate SBI credit pin through ATM, Net Banking, Mobile App, Chat Bot (ILA) or through IVR of SBI
3. How to activate SBI credit card?
SBI Credit Card can be activated in three ways.
- Login to your SBI Card account and go to request tab to activate your card.
- You can login to SBI Card Mobile application and go to request tab to activate your card.
- You can write an email to SBI and request for an activation.
4. Which SBI Card is best?
SBI has multiple credit card in different categories like Shopping, Travel, Lifestyle, and Reward Card. One can choose the best suitable card in these categories based on the offers, deals, annual feel, cashback, fuel waiver and other benefits. The most popular SBI Credit Card is SimplySave SBI Credit Card.
5. How to transfer money from sbi credit card to bank account?
Normally people transfer their credit card bill to another credit card which is called balance transfer. There are few options where you can transfer money from your SBI credit card to bank account.
- Using money gram you can send money across the globe.
- You can also use Western Union to send money directly to bank account.
- Apart from this you can send money to wallets like Paytm, MobiKwik etc
6. How to pay SBI Credit Card Bill ?
SBI Credit Card payment can be done through multiple ways. You can choose any of the following method to make the payment of your credit card bill.
- Online SBI Facility – SBI bank account holder can make the payment from their SBI saving account. You have to login to your net banking account and ensure that SBI Cards and Payment Services Ltd added as a biller in your account, if this is not added, go to add new biller and verify with OTP and once it’s done you can select SBI card and make the payment. You can also give standing instruction to make the payment automatically every month.
- NEFT payment- Login to your existing bank account net banking. Add SBI Card as a beneficiary and make the payment of SBI Credit Card
- Paynet Pay Online – You can login to sbicard.com with your user name and password. Click on Pay Now button on dashboard and fill in the amount you want to pay. Select the mode of payment and bank name from drop down menu and confirm the details.
- Pay via UPI – Login to your BHIM SBI app. Set your Pin and make the payment.
- Pay via Yono – Download Yono app and login through your MPIN or SBI Banking credentials. Go to my card section and select the card you wish to make payment for. Select the SBI account to make the payment and click on Pay Now Button.
7. How to redeem SBI Credit Card Points?
SBI Credit Card points can be redeem by two different ways.
- Redemption against gift voucher. Login to sbicard.com or SBI card mobile application, view the rewards and redeem rewards points.
- Redemption against Cash can be made by writing to SBI as sbicard.com/email or by calling at SBI helpline.
8. How to check SBI credit card balance ?
There are multiple ways to check your SBI Credit Card Balance
- Net banking
- SMS
- Customer Care Helpline Number
- ATM
- Mobile App
- Visiting a branch
- Credit Card Statement – Physical as well email statement
9. How to block SBI credit card?
There could be various reasons to block your SBI Credit Card. Here are the 4 ways to block your credit card.
- Call the 24x7helpline number (prefix STD code) 39 02 02 02 or 1860 180 1290.
- Log in to your SBI Card Account click on Block Lost or Stolen Card.
- Log in to SBI Mobile App and click on Block Lost or Stolen Card.
- Visit the nearest SBI branch and place a request to block the credit card.
10. How to increase SBI credit card limit?
SBI consider various things before increase the credit card limit like Income, Payment history, Liabilities of applicant, Age etc. You can contact SBI Card customer care and request for a credit limit increase evaluation. The following are the ways to increase your credit limit:
- Pre approved Credit Card limit Offer – request can be made by calling customer care, net banking, Chat Bot, SMS etc
- Credit limit can be increased with income documents – Form 16, ITR VI, Last 2 months salary slip.
Post review of your documents SBI will increases your limit in accordance of internal risk policy.
11. How to Close or Cancel SBI Credit Card ?
It’s is very easy to close/cancel your SBI Credit Card. You can have to contact the SBI Credit Card customer care through helpline number or email and place a request for cancellation. Make sure you to redeem all your reward points if any. Cancellation will takes place after making your outstanding to zero. Once you get the confirmation, you have to cut the card diagonally and dispose.
Check How to Close or Cancel SBI Credit Card in details - Please click here
12. How to unlock SBI credit card ?
You can call SBI Credit Card 24x7helpline number (prefix STD code) 39 02 02 02 or 1860 180 1290, or writing an email to SBI Credit Card department to unblock your credit card.
