SBI CREDIT CARD

Table of Content

• ⇾ SBI Credit Card Eligibility
• ⇾ Documents Required To Apply For SBI Credit Card
• ⇾ Different Types of SBI Credit Cards In India
• ⇾ Features and Benefits of SBI Credit Cards
• ⇾ Understanding the Functionality of SBI Credit Card
• ⇾ Limitations of the SBI Credit Card
• ⇾ How to Apply for SBI Credit Card
• ⇾ FAQs

Best SBI Credit Cards in India

Here are the best credit cards from the State Bank Of India that align with your requirements and provide a wide range of benefits with respective annual fees.

1. SBI Card ELITE

This card is Ideal for users who are frequent travellers and people who prefer premium benefits like airport lounge access and entertainment rewards.

• Annual Fee:₹4,999
• Best For:Premium lifestyle and travel benefits
• Key Benefits:
  • Welcome e-gift vouchers worth ₹5,000 (brands like Pantaloons, Yatra, etc.)
  • 6 complimentary international lounge visits and 8 domestic lounge visits annually
  • 2 Reward Points per ₹100 spent on regular purchases
  • 5x Reward Points on dining, groceries, and department store spending
  • Complimentary movie tickets worth ₹6,000 annually
  • 1.99% foreign currency markup, which is lower than the usual rate

2. SBI SimplyCLICK Credit Card

It is one of the premium cards of SBI designed for users who frequently shop online and at the same time want to maximize reward points.

• Annual Fee:₹499
• Best For:Online shoppers
• Key Benefits:
  • ₹500 Amazon gift card as a welcome gift
  • 10x Reward Points for online purchases at partner websites like Amazon, BookMyShow, and Cleartrip
  • 5x Reward Points on other online spends
  • 1 Reward Point for every ₹100 spent on non-online purchases
  • Spend-based milestone rewards: ₹2,000 worth of Cleartrip vouchers when annual spending crosses ₹1 lakh

3. SBI SimplySAVE Credit Card

Ideal for those users who are looking for a basic card with higher rewards on everyday spending like groceries, dining, and movies. Exclusively more added benefits on 1% fuel surcharge at any petrol pump. T&C* apply.

• Annual Fee:₹499
• Best For:From the use of a second year of subscription for annual fee membership fee reversal
• Key Benefits:
  • Earn 10x Reward Points on dining, movies, grocery, and department store purchases
  • 1 Reward Point for every ₹100 spent on other purchases
  • Spend ₹2,000 within the first 60 days and get ₹100 cashback
  • Annual fee waiver on spending ₹1 lakh in a year

4. SBI PRIME Credit Card

For users who seek a mid-level premium card with travel, lifestyle, and dining rewards. With privileges beginning from 2000 reward points/ calendar year i.e. 20 reward points for every Rs.100/- spent on Birthdays.

• Annual Fee:₹2,999 + Taxes
• Best For:Comprehensive lifestyle and travel perks
• Key Benefits:
  • Welcome gift vouchers worth ₹3,000 from brands like Bata/Hush Puppies, Pantaloons, and Yatra
  • 4 complimentary international lounge visits and 8 domestic visits per year
  • 2 Reward Points per ₹100 on regular spends
  • 10x Reward Points on dining, groceries, and movie spending
  • 1.99% foreign currency markup fee
  • Complimentary Club Vistara Silver membership

5. SBI Card PULSE

The benefits this card holds are perfect for individuals focused on health, fitness, and wellness, with added travel perks.

• Annual Fee:₹1,499
• Best For:Health and wellness enthusiasts
• Key Benefits:
  • Welcome gift: Noise ColorFit Pulse Smartwatch
  • Complimentary fitness sessions on Fitternity
  • 12 complimentary doctor consultations and 24 teleconsultations annually
  • 5x Reward Points on chemist, pharmacy, and medical expenses
  • 8 domestic lounge visits per year
  • Milestone benefits for spending ₹4 lakh and ₹6 lakh annually

6. SBI FBB STYLEUP Credit Card

One of the best cards for shoppers who frequently purchase fashion and lifestyle products from Big Bazaar and FBB.

• Annual Fee:₹499
• Best For:Fashion and retail shopping
• Key Benefits:
  • 10% instant discount on fashion and lifestyle purchases at FBB and Big Bazaar
  • 10x Reward Points on Big Bazaar, FBB, and other Future Group stores
  • 1 Reward Point per ₹200 spent on other categories
  • 500 bonus Reward Points on spending ₹5,000 or more in a month

7. SBI BPCL Credit Card

If you’re someone who needs a card Ideal for frequent drivers who want maximum benefits on fuel spending.

• Annual Fee:₹499
• Best For:Fuel purchases
• Key Benefits:
  • 4.25% value back on fuel purchases at BPCL petrol pumps
  • 13x Reward Points on every ₹100 spent on fuel at BPCL pumps
  • 1 Reward Point for every ₹100 spent on other categories
  • ₹100 cashback on the first fuel transaction within 60 days

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Other Types of SBI Credit Cards In India

SBI offers a variety of credit cards, from cashback cards to co-branded cards. The best credit cards are covered in the table above, & here we will cover other credit cards offered by SBI. Following are a few of the ready-to-access credit cards from SBI.

On the eligibility grounds, SBI credit cards are categorised for the salaried and students. Thus, making it easier for the user to avail credit accessibility and respective rewards on their capacity.

IRCTC SBI RuPay Credit Card

Key Features:

1. Get offers such as 4 complimentary railway lounge accesses every year, with a maximum of one lounge access per quarter.
2. Access exclusive discounts (%) & offers on railway tickets and other railway-related services.

Air India SBI Signature Credit Card

Key Features:

1. You receive a premium co-branded card with a reward rate of 1.8%.
2. Receive a welcome bonus of 20,000 bonus reward points upon activation.
3. Offers various travel-related benefits, such as lounge access, complimentary baggage, and priority check-in.

BPCL SBI Card

Key Features:

1. A fuel credit card was launched in collaboration with Bharat Petroleum Corporation Limited (BPCL).
2. Offers fuel surcharge waivers and reward points on fuel purchases at BPCL outlets.
3. Provides additional benefits such as discounts on auto services and accessories.

Club Vistara SBI Card

Key Features:

1. A co-branded travel credit card with Vistara Airlines.
2. Offers benefits like free economy class tickets, lounge access, and priority check-in.
3. Provides additional benefits such as discounts on Vistara flights and hotel bookings.

SBI Card Pulse

Key Features:

1. A credit card for health and fitness enthusiasts.
2. Offers health and entertainment benefits, such as discounts on gym memberships, health check-ups, and movie tickets.
3. Provides lounge benefits and other travel-related perks.

Shaurya SBI Card

Key Features:

1. An entry-level lifestyle credit card for Indian Defense Personnel.
2. Offers discounts on various product
3. Provides exclusive benefits for Indian Defense Personnel.

SimplySAVE SBI Card

Considered one of the many best credit cards that SBI offers for basic to premium services

Key Features:

1. Offers cashback on purchases, rewards points, and discounts on various products and services.
2. Provides travel-related benefits such as lounge access and airport transfers.

SimplyCLICK SBI Card

One of the top preferred credit cards of SBI, SimpliClick is an all-user purchase benefit card with multiple uses.

Key Features:

1. Get an Amazon gift card on the first login. That is Worth Rs. 500/-.
2. Provides travel-related benefits such as lounge access and airport transfers.
3. Exquisite rewards and milestones on purchases along with fuel surcharge

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SBI Credit Card Eligibility

Apply now for an SBI Credit Card if you meet the following basic eligibility criteria.

Note,that here the primary applicant should have a stable income of at least ₹3 lakh per year. SBI offers credit cards to a wide range of people, including both salaried/income-based individuals and students.

SBI Credit Card Eligibility for Salaried Employees

If you’re a salaried employee, you can apply for an SBI Credit Card under certain following conditions to enhance your credit score above 750 and enjoy the benefits:

• The applicant must be a resident of India and under the age group 65 and above 18.
• The applicant should have a regular source of income and an annual income of at least ₹2 lakh.
• Should present past 3 months' salary slips, a bank statement showing salary deposits for three consecutive months, and a valid identity for address, and age proof.

SBI Credit Card Eligibility for Students

Students can apply for credit cards if they meet SBI’s pre-conditioned criteria, stated as follows.

• Not applicable for NRIs, and citizens below the age group of 18
• The individual should provide a PAN card, age proof, proof of college enrollment, and other KYC-compliant documents.
• The applicant must have a fixed deposit of ₹25,000 or more, which the bank will use to determine the credit limit.

Documents Required to Apply for SBI Credit Card

Here is the rephrased information with the changes presented in a table format:

Note:Applicants need to submit these documents as proof of identity, address, and income, depending on the type of verification required.

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Features & Benefits of SBI Credit Cards:

Both SBI premium and basic cards have wide features and multi-factor benefits such as:

1. Lower Interest Rates:Transfer balances from other cards or convert purchases into EMIs to save on interest.
2. Encash Facility: Get quick access to cash, up to or beyond your credit limit, within 48 hours.
3. Contactless Payments:Make fast, secure payments with just a tap using your card or smartphone.
4. Insurance Coverage: Choose from various insurance options for protection against accidents, health issues, card loss, and theft.
5. Convenient Account Access: Manage your card via the SBI Card website, mobile app, or through SMS anytime.

Understanding SBI Credit Cards

Both SBI premium and basic cards have wide features and multi-factor benefits such as:

• Credit Limit: Each card has a pre-set limit, which is the maximum amount you can spend.
• Interest Rates:Avoid interest charges by paying your bill in full. Otherwise, interest applies to the balance carried.
• EMI Conversion:Convert large purchases into easy monthly instalments (EMIs) for more manageable payments.
• Rewards Program:Earn reward points on eligible purchases and redeem them for gifts, vouchers, or discounts.
• Contactless Payments:Make secure payments by tapping your card at terminals, no swiping or inserting is needed.
• Balance Transfer:Transfer balances from other credit cards to your SBI Card and benefit from lower interest rates.
• Cash Withdrawals:Withdraw cash from ATMs with applicable charges and interest rates.
• Additional Features:Enjoy services like insurance coverage, easy bill payments, and exclusive lounge access.

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Key Limitations of SBI Credit Card

While SBI credit cards offer many benefits, they are a few generic limitations to help you overcome them:

1. Annual Fees:Some SBI credit cards have annual fees, which can add to the overall cost of using the card. So, choose a card that offers benefits like cashback
2. Interest Rates:If you carry a balance on your card, you will be charged interest. The interest rate can vary depending on the card and your credit history. Opt for cards with lower interest rates.
3. Foreign Transaction Fees:If you use your SBI credit card for international transactions, you may be charged a foreign transaction fee. So, look for the one without or minimal fees structure.
4. Late Payment Fees:If you fail to make your minimum monthly payment on time, you may be charged a late payment fee.
5. Limited Cash Withdrawal:You may be able to withdraw cash using your SBI credit card, but there may be limits and fees associated with this. Therefore, use it mostly for purchases.

How to Apply for SBI Credit Card

Apply for an SBI credit card by visiting sbicard.com, using the SBI Card mobile app, or sending an SMS. Enjoy quick approval and exclusive benefits. SBI credit card apply now!

SBI Credit Card Online Application

• Step 1. Visit SBI's official website:Open the website of the State Bank Of India.
• Step 2. Locate the credit card section:Choose the "Credit Cards" option or "Apply for Credit Card" section on the website's homepage or you can spot it in the navigation menu.
• Step 3. Choose the desired card:Explore the different SBI credit card options and select the one that best suits your needs and preferences. You must consider factors like annual fees, rewards, benefits, and interest rates.
• Step 4. Click on "Apply Now" or a similar button:Upon clicking “Apply Now”, you will land on the online application form for download or upload:
• Step 5. Fill out the online application form with the necessary information requested.
  • →Add In personal details including your education.
  • →Further, add to the details of income and expenses.
  • →Enter the existing card details if you have one
  • →Finally, please upload/ submit the necessary documents (Identity & Address proof, Income statements and Occupation letter)
• Step 6. Review and apply:Carefully review the information once before you enter to ensure accuracy. Once satisfied, apply.

SBI Credit Card Offline Application

Following are the steps to apply for a SBI credit card through offline

• Step 1. Visit a nearby SBI branch:Spot the nearest SBI branch in your area and pay a visit during business hours.
• Step 2. Obtain a credit card application form:Request a credit card application form from the bank representative.
• Step 3. Fill out the application form:Complete the form with accurate information, providing the same details as you would in an online application and mention any additional or newly found changes in the address change.
• Step 4. Attach required documents:Provide copies of the necessary documents, such as proof of identity, address, income, and occupation.
• Step 5. Submit the completed application:Hand the filled-out form and documents to the bank representative.

Additionally, for further queries, you can check the SBI credit card customer care. Besides, you can also check more on SBI Net Bankingfrom the linked page.

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