SBI Bank Credit Card

State Bank of India is one of India's top credit card issuers that is providing a wide range of SBI credit cards containing exciting rewards according to different categories. Some Top SBI credit card names include SBI Simply Save, SBI Simply Click, Cashback SBI Card, SBI Card ELITE, and BPCL SBI Card. Selecting the correct credit card between various cards might be challenging because each one is designed to meet a specific purpose and has its own benefit.

State Bank of India provides various types of credit cards in several categories, including travel, entertainment, grocery, retail, and fuel. The benefits from these SBI credit cards include discounts, rewards, and cashback. Credit cards have various features according to your spending habits. The best SBI credit cards are listed below to guide you in taking the right decision. At MybankingTips, you can apply for and compare several different SBI  credit cards.

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SBI credit cards offer reward points and cash back benefits, as well as free lounge access and memberships, movie ticket reductions, co-branding incentives, and other perks. the top SBI credit cards for February 2026, ranked by features and benefits, are shown below.

Cashback SBI Credit Card

Joining Fee
₹999 + GST
Annual Fee
₹999 + GST
Rewards Type
Cashback
Best For
Cashback | Online Shopping

Rewards Benefits

  • 5% Cashback: On all online spends
  • 1% Cashback: On all offline spends
  • Cashback Cap: Up to ₹5,000 per statement cycle

Welcome Benefits

Instant cashback benefits from the first transaction

  • 5% cashback on all online spends
  • 1% cashback on offline and utility bill spends
  • Up to ₹60,000 cashback in a year
  • No merchant restrictions on online spends
  • Cashback credited within 2 days of bill generation
  • Renewal fee waived on annual spends of ₹2 lakh
  • 1% fuel surcharge waiver up to ₹100 per month
  • Supports contactless payments for faster transactions
SBI SimplyClick Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Cashback
Best For
Reward Points | Online Shopping

Rewards Benefits

  • 10X Reward Points on top online brands - BookMyShow, Swiggy, Myntra, etc.
  • 5X Reward Points on all other online purchases.
  • 1 Reward Point per ₹100 on all other spends.

Welcome Benefits

Amazon gift voucher worth Rs. 500.

  • ₹500 Amazon gift voucher as a welcome benefit
  • ₹2,000 Cleartrip/Yatra e-vouchers on annual online spends of ₹1,00,000 & ₹2,00,000
  • 10X Reward Points on partner merchants like Apollo 24×7, BookMyShow, Cleartrip, Domino’s, IGP, Myntra, Netmeds & Yatra
  • 5X Reward Points on all other online spends
  • 1 Reward Point per ₹100 on offline spends (excluding fuel)
  • ₹499 annual fee waived on yearly spends of ₹1,00,000
  • 1% fuel surcharge waiver on fuel purchases between ₹500–₹3,000
SBI SimplySAVE Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For
Dining | Reward Points

Rewards Benefits

  • 10X Rewards on dining, movies & grocery
  • 2,000 Bonus Reward Points worth ₹500
  • Low Annual Fee with easy approval

Welcome Benefits

Get 2,000 bonus reward points on spending ₹2,000 or more within 60 days of card issuance.

  • Earn 10X reward points on dining, movies, groceries & department store spends
  • Get 1 reward point for every ₹100 spent on other purchases
  • Receive 2,000 bonus points on spending ₹2,000 in the first 60 days
  • Spend ₹1 lakh in a year to waive the renewal fee
  • Use the card at over 24 million outlets worldwide
SBI Prime Credit Card

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Both
Best For
Travel | Shopping | Reward Points

Rewards Benefits

  • 5X Rewards on dining, movies & grocery
  • Pizza Hut vouchers worth up to ₹4,000 in a year
  • 8 domestic & 4 international visits per year

Welcome Benefits

Voucher worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, or Pantaloons.

  • SBI PRIME Credit Card is a premium credit card ideal for frequent travelers and online shoppers.
  • Get a welcome e-gift voucher worth ₹3,000 on card activation.
  • Enjoy a rewarding PRIME Reward Points system for everyday and lifestyle spends.
  • Spend ₹50,000 in a quarter and get a Pizza Hut voucher worth ₹1,000.
  • Spend ₹3 lakh or more in a year and get your annual fee waived.
SBI Bank Pulse Credit Card

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Get Exclusive Benefits Worth ₹7,999 with Noise ColorFit Pulse 4 Pro Smartwatch

  • Free Smartwatch: Get a Noise ColorFit Pulse Smartwatch worth ₹4,999 on joining.
  • Health Memberships: Enjoy 1-year free access to NetMeds and FITPASS PRO.
  • Reward Points: Earn 10 points per ₹100 on pharmacy, dining, and entertainment spends.
  • Lounge Access: Get 8 free domestic airport lounge visits per year (2 per quarter).
  • Annual Fee Waiver: No renewal fee if you spend ₹2 lakh in a year.
  • Insurance Cover: Get ₹1 lakh fraud protection and ₹50 lakh air accident cover.
BPCL SBI Card Octane

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For
Fuel

Rewards Benefits

  • Up to 7.25% value back on fuel spends
  • 10X Rewards on day-to-day spends
  • Complimentary domestic lounge access

Welcome Benefits

Enjoy a welcome bonus of 6,000 reward points when you pay the annual membership fee.

  • Get 6,000 reward points as a welcome gift.
  • Earn up to 7.25% value back on fuel spends at BPCL petrol pumps.
  • Earn 25X reward points on BPCL fuel purchases (up to 2,500 points per month).
  • Enjoy 4 free visits to domestic airport lounges every year.
  • Get fraud protection cover up to ₹1 lakh.
SBI Elite Credit Card

Joining Fee
₹4999 + GST
Annual Fee
₹4999 + GST
Rewards Type
Reward Points
Best For
Entertainment | Reward Points | Airport Lounge Access

Rewards Benefits

  • Movie tickets worth ₹6,000 every year
  • Earn up to 50,000 bonus reward points annually
  • 5X reward points on dining, departmental stores & grocery spends

Welcome Benefits

Get vouchers worth ₹5,000 from Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons & Shoppers Stop.

  • Get an e-Gift Voucher worth ₹5,000 on paying the annual fee
  • Enjoy free movie tickets worth ₹6,000 every year
  • Earn up to 50,000 bonus reward points worth ₹12,500 annually through milestone spends
  • Get complimentary Priority Pass membership (worth $99) for international lounge access
Club Vistara SBI Bank Prime Credit Card

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Receive 1 Premium Economy ticket as an e-gift voucher on payment of the joining fee.

  • 1 Complimentary Premium Economy Ticket on card activation
  • Earn 4 CV Points for every ₹200 spent on eligible purchases
  • Up to 3 Premium Economy Tickets on reaching annual spend milestones
  • 4 Complimentary Domestic Lounge Accesses per year
SBI Bank Aurum Credit Card

Joining Fee
₹9999 + GST
Annual Fee
₹9999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  1. Get 40,000 Reward Points Worth ₹10,000
  2. Club Marriott Membership Exclusive discounts on stays, dining, and spa services at Club Marriott hotels across India
  3. Complimentary Digital Subscriptions Access Mint and The Wall Street Journal online with your free digital membership

  • Complimentary Zomato Pro & Club Marriott Membership
  • Unlimited Domestic & International Airport Lounge Access
  • 24x7 Luxury Concierge Services
  • Comprehensive Insurance Coverage
  • Premium Metal Card Design for Elite Appearance
  • High Reward Point Value (1 RP = ₹0.25)
IRCTC SBI Premier Credit Card

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  1. Get 1500 RP equivalent to Rs. 1500 on payment of first annual fee.
  2. Customers gets welcome gift more than the cost of joining fee.

  • 1,500 reward points as a welcome gift (worth ₹1,500).
  • Up to 10% value back on IRCTC train ticket bookings.
  • Milestone rewards on annual travel spends (up to 7,500 points).
  • Complimentary rail accident insurance cover of up to ₹10 lakh.
  • 1% fuel surcharge waiver on eligible fuel spends.
  • 8 complimentary railway lounge visits per year (max 2 per quarter).
Lifestyle HC SBI Bank Prime Credit Card

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

12,000 bonus reward points (worth Rs. 3,000) on the payment of joining fee.

Annual Fee: ₹2,999

Welcome Benefit: 2,000 bonus reward points on payment of the joining fee

Accelerated Rewards:

  • Earn 15 RP/₹100 at Lifestyle, Home Centre, Max & Spar
  • Earn 2 RP/₹100 on other retail spends
  • 10 RP/₹100 on birthday spends

Travel Benefit: Complimentary Priority Pass membership with access to over 600 international airport lounges

Lounge Access: 4 complimentary domestic lounge visits per year

Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500–₹3,000

Air India SBI Signature Credit Card

Joining Fee
₹4999 + GST
Annual Fee
₹4999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  1. 20,000 Reward Points as welcome gift (on joining)
  2. 1 Reward Point = 1 Air India Flying Return mile
  3. Automatic Flying Returns membership

  • Earn 30 Reward Points per ₹100 on Air India bookings made via airindia.in or the Air India app
  • 4 complimentary domestic airport lounge visits per quarter
  • Lounge access at select MasterCard & Visa lounges across India
  • Convert reward points to Air India Flying Returns miles
  • Low 1.99% foreign currency markup on international transactions
Yatra SBI Bank Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  1. ₹1,000 off on domestic flight bookings (minimum booking of ₹5,000)
  2. ₹4,000 off on international flight bookings (minimum booking of ₹40,000)
  3. ₹1,000 off on hotel bookings (minimum booking of ₹3,000)
  4. Valid only on bookings via Yatra.com

  • Domestic flight discount is valid on bookings of Rs. 5,000 or more.
  • International flight discount is valid on bookings of Rs. 40,000 or more.
  • Hotel booking discount is valid on a minimum spend of Rs. 3,000, with a maximum discount of Rs. 2,000.
  • Welcome benefits are applicable only after the first year’s annual fee is paid.
  • Reward points are capped at 5,000 points per month for both international and select category spends.
Apollo SBI Bank Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  1. Apollo gift voucher worth ₹500 on card activation
  2. Complimentary Apollo Circle Membership for 1 year (worth ₹999)

  • 3X reward points on every Rs. 100 spent at Apollo services
  • Up to 10% instant discount on select Apollo services
  • Complimentary Apollo Gold Tier Membership
  • 1% fuel surcharge waiver at all petrol pumps (on transactions Rs. 500–3,000)
  • Annual fee waiver on spending Rs. 90,000 in a year
Air India SBI Platinum Credit Card

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Enjoy 5,000 reward points as a welcome gift on joining. Points will be credited within 15 days of annual fee payment.

  • 15 Reward Points/₹100 on Air India tickets booked through airindia.in or mobile app
    5 Reward Points/₹100 on dining, groceries, fuel
    1 Reward Point/₹100 on other spends
    Reward Points can be converted into Flying Returns miles
    Foreign currency markup: 3.5%
Fabindia SBI Bank Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

₹500 Fabindia gift voucher on card activation Enrolment into Fabfamily Gold Tier loyalty program

Earn 10% value back (Fabfamily Rewards) on Fabindia spends
Earn 3 RP/₹100 on dining, movies, and grocery
Earn 2 RP/₹100 on all other spends
1% fuel surcharge waiver (₹500–₹3,000 per transaction)
Annual fee waived on ₹1L spend

Nature’s Basket SBI Bank Credit Card

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

₹1,250 Nature’s Basket voucher on joining Instant activation on eligible spend

10% savings on groceries at Nature’s Basket stores and website
Complimentary domestic lounge access
2,000 bonus reward points on annual milestone spends
Fuel surcharge waiver on ₹500–₹3,000 transactions
5% savings on select online grocery platforms

SBI Reliance Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

₹500 Reliance Retail voucher on activation. Extra discount vouchers worth ₹3,200 for use at selected Reliance stores.

  • Can be redeemed only in general merchandise and fashion categories.
  • Milestone benefits are based only on spends at participating Reliance Retail stores.
  • Activation vouchers:
  1. Reliance Trends: Valid on apparel & footwear.
  2. Netmeds: Valid on online purchase of pharma/prescription products.
  • No rewards on fuel, property rental, or wallet reload transactions.
  • Fuel surcharge waiver applies to transactions between ₹500 and ₹4,000.
Reliance SBI Card Prime

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Reliance Retail voucher worth ₹3,000 on activation, plus additional discount vouchers worth ₹11,999 from participating Reliance stores.

  • Cashback on JioMart – Can be used only for general merchandise and fashion categories.
  • Milestone vouchers – Calculated only on spends at participating Reliance Retail Stores.
  • Extra vouchers on activation:
    1. Reliance Trends: Discount valid on apparel & footwear.
    2. Reliance Jewels: 2% off on gold making charges and 2% off on diamond invoice value (only for select SKUs).
    3. AJIO: Discount applies after all other offers.
  • Rewards exclusions – No rewards for fuel, property rent, or wallet top-ups.
  • Fuel surcharge waiver – Available for transactions between ₹500 and ₹4,000.
Titan SBI Credit Card

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Get 12,000 reward points worth Rs. 3,000 when you pay the joining fee.

  • 12,000 Reward Points (Rs. 3,000 value) as welcome benefit on annual fee payment
  • 3% value back on Tanishq purchases and 5% cashback on Mia, Caratlane, and Zoya
  • Annual fee waiver on spending Rs. 3 lakh in a year
  • Milestone benefits up to Rs. 15,000 on annual spends of Rs. 5 lakh and Rs. 10 lakh
  • 8 complimentary domestic and 4 international airport lounge visits per year with Priority Pass membership
Max SBI Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Get 2,000 bonus reward points worth Rs. 500 when you pay the joining fee within 30 days of fee payment.

  • Earn 2,000 bonus reward points when you pay the annual fee.
  • Enjoy milestone rewards up to 16,000 points worth Rs. 4,000 on your annual spends.
  • Get a 1% fuel surcharge waiver at petrol stations across India.
  • Earn 5 reward points per Rs. 100 spent at Landmark stores, dining, and movies.
  • Redeem your rewards instantly at Landmark stores for easy savings.
Spar SBI Credit Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Earn 2,000 bonus reward points valued at ₹500 upon payment of the annual fee.

  • Annual fee of ₹499.
  • Earn 2,000 bonus reward points on joining fee payment.
  • Get 5 reward points on every ₹100 spent at Landmark stores or websites.
  • Earn up to 16,000 reward points through milestone benefits.
SPAR SBI Card PRIME

Joining Fee
₹2999 + GST
Annual Fee
₹2999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Get 12,000 bonus reward points valued at ₹3,000 upon payment of the annual fee.

  • Annual fee of ₹2,999.
  • Earn up to 15 reward points on retail spends.
  • Get 12,000 bonus reward points as a welcome gift.
  • Includes Priority Pass membership with 4 free visits annually.
  • Enjoy 8 free domestic lounge accesses per year.
  • Earn up to 58,000 reward points through milestone benefits.
SBI IRCTC Platinum Credit Card

Joining Fee
₹500 + GST
Annual Fee
₹500 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Get 350 bonus reward points (worth Rs. 350) after your first successful transaction of Rs. 500 or more. Enjoy Rs. 100 cashback on your first ATM cash withdrawal within 30 days of receiving the card.

  • 350 bonus reward points on first transaction of Rs. 500+
  • 10% value back on AC1, AC2, AC3, and AC Chair Car railway ticket bookings via IRCTC
  • 4 complimentary railway lounge visits per year
  • 1% fuel surcharge waiver on fuel spends between Rs. 500 and Rs. 3,000
  • Balance transfer and Flexipay options available for easier payment management
Etihad Guest SBI Card

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

2,500 Bonus Etihad Guest Miles within 30 days of joining fee payment Complimentary Etihad Guest Silver Tier Status1 1 free WiFi voucher on your first Etihad Airways flight booking

  • Etihad Guest membership lets you earn both Tier Miles and Guest Miles, with a cap of 20,000 Tier Miles per year.
  • No Guest Miles are earned on financial charges, balance transfers, rent payments, fuel, or government transactions.
  • You can get a fuel surcharge waiver of up to ₹250 per statement cycle.
Etihad Guest SBI Premier Card

Joining Fee
₹4999 + GST
Annual Fee
₹4999 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

5,000 Bonus Etihad Guest Miles within 30 days of joining fee payment Complimentary Etihad Guest Gold Tier Status1 2 free WiFi vouchers on your first Etihad Airways flight booking

  • Earn Etihad Guest Miles plus Tier Miles (up to 40,000 Tier Miles annually)
  • No miles earned on financial charges, balance transfers, rent payments, fuel, and government transactions
  • Fuel surcharge waiver of up to ₹250 per statement cycle
BPCL SBI Card

Joining Fee
₹499 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

2,000 bonus Reward points worth Rs. 500 on payment of joining fee1

  • Earn up to 13X reward points on fuel spends at BPCL petrol pumps with a fuel surcharge waiver of up to Rs. 100 per month.
  • Get 5X reward points on groceries, dining, movies, and departmental store purchases.
  • Enjoy a one-time annual fee of Rs. 499 with 2,000 bonus reward points worth Rs. 500 on joining.
  • Instant reward redemption available at over 1,200 BPCL outlets with no minimum points threshold.
  • Add-on cards available for family members with worldwide acceptance at over 24 million merchant outlets.
OLA Money SBI Credit Card

Joining Fee
₹0 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  • No joining fee for this card.
  • Earn 7% reward points on all Ola rides and Ola postpaid payments.
  • Earn 1% reward points on all other purchases.
  • Enjoy exclusive travel deals from Cleartrip.
  • Get a 1% waiver on fuel surcharge for all fuel purchases.
SBI Signature Corporate Card

Joining Fee
₹0 + GST
Annual Fee
₹499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  • Enjoy priority services with the Signature credit card.
  • Get a free Priority Pass membership with the card.
  • Employees receive travel insurance coverage up to Rs. 1 crore.
  • Concierge services are available with the credit card.
  • Complimentary insurance protects against employee fraud.
  • The card offers multilayer spend control and detailed spend analysis.
SBI Platinum Corporate Credit Card

Joining Fee
₹0 + GST
Annual Fee
₹0 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  • Advanced spend management with Visa IntelliLink / SmartData Gen2 for detailed expense tracking
  • Web-based interface with customized reports, e-statements, and compliance monitoring
  • Multilayer spend control with category and limit restrictions
  • Fraud and travel insurance coverage including air accidental death and lost card liability
  • Emergency card replacement worldwide within 72 hours, free of delivery charges
  • 24x7 dedicated customer support with emergency cash disbursement
SBI Shaurya Select Card

Joining Fee
₹0 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  • 10X reward points on every ₹100 spent on departmental stores, dining, groceries, and movies.
  • Extra reward points based on spending.
  • Complimentary ₹10 lakh Personal Accident Cover.
  • 1% fuel surcharge waiver.
  • 24x7 concierge services.
Apollo SBI Card Select

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

  • Earn 10 reward points per ₹100 spent at Apollo 24/7 & Apollo Pharmacy
  • Reward points redeemable 1:1 as Apollo Health Credits
  • Complimentary Apollo Gold Tier Membership & annual health check-up
  • Noise Smartwatch worth ₹7,999 on ₹6 Lakh annual spends
  • 1% fuel surcharge waiver across all petrol pumps
  • Annual fee waiver on ₹90,000 yearly spends
  • Complimentary FITPASS PRO membership for 1 year
  • Ideal for health-conscious individuals with regular Apollo spends
Spar SBI Card SELECT

Joining Fee
₹1499 + GST
Annual Fee
₹1499 + GST
Rewards Type
Reward Points
Best For

Rewards Benefits

Welcome Benefits

Rs. 1,500 worth of bonus reward points as a welcome benefit

  • Annual fee of ₹1,499.
  • Earn ₹100 cashback on your first ATM withdrawal.
  • Get ₹1,500 worth of bonus reward points as a welcome benefit.
  • Earn up to 10 reward points per ₹100 spent at Landmark stores.
  • Unlock up to 34,400 reward points through milestone benefits.

How to Apply for SBI Credit Cards Online at MybankingTips

With MybankingTips, you can easily compare and apply for SBI credit cards online. The application process steps are stated below as follows:

  • Visit MybankingTips SBI Credit Card Section.
  • Select Your Ideal Credit Card.
  • Click on the ‘ Apply Now’ tab.
  • Fill in the required details to find out if you are eligible to apply for the card.
  • Once you have entered all the necessary information, click on ‘Submit’.
  • After you have successfully provided all the required information, you will receive a message with your application ID.

SBI Bank's Website - Online Application Process

  • Visit the Official SBI Bank card application page.
  • Click on "Apply Now" & select the suitable credit card you wish to apply for.
  • Click the "Send OTP" option & Verify.
  • Enter the received OTP.
  • Provide your professional information & current home address.
  • Take the appropriate actions and submit the application.
  • SBI Credit Card - Offline Application Process

SBI Credit Card - Offline Application Process

You can also apply for the SBI bank credit card offline by going to the nearest SBI bank branch and filling out an application in person or calling customer service. Make sure that you have all of the relevant documents on hand.

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Apply for a Credit Card & Get Instant Approval

Eligibility Criteria to Apply for SBI Credit Cards

The following are the eligibility criteria to apply for an State Bank Of IndiaCredit Card:

  • Age: To apply for an SBI credit card, the age must be between 18 years to 60 years.
  • Income: Annual income will be used by the bank to determine your eligibility.
  • Occupation: Either self-employed or salaried individuals are eligible to apply.
  • Credit score: Need a CIBIL score of at least 750.
  • Nationality: Nationality should be a citizen of India.

Required Documents to Apply for SBI Credit Card

When you are applying for a credit card, you have to provide documentation of your identification, address, and financial situation. The documents mentioned below can be used to check your eligibility. Keep in mind that the bank may want more documents from you and that this is not a complete list.

Proof of Identity

PAN Card, Voter’s ID, Aadhaar card, Passport, Driver’s License, Overseas Citizen of India Card, Job card issued by NREGA, Person of Indian Origin Card, Letters issued by the UIDAI or any other government approved photo ID proof

Proof of Address

Passport, Driver’s License, Aadhaar card, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement or any other government approved address proof

Proof of Income

(For salaried)

  • Salary certificate
  • Last 3 months’ bank statement
  • Latest one or 2 month salary slip
  • Employment letter

(For self-employed)

  • Certified financials
  • Latest Form 16
  • Last 3 months’ bank statement
  • Recent ITR (Income Tax Returns)
  • Audited profit and loss statement or balance sheet

SBI Credit Card: Fee & Charges

Some common budget friendly fees and charges that apply to almost all SBI Credit Cards:

Fee Type Amount
Joining/Annual Fee Varies for all SBI Credit Cards
Finance Charges Up to 3.5% per month| 42% per annum
Interest Rates 2.75% per month to 3.50% per month
Add-on Card Fees Nil
Card replacement fee Rs.100 to Rs.250
Minimum Finance Charges Rs. 25
Cash Payment Fees Rs. 250 plus taxes
Payment Dishonor Fees 2% of the payment amount or Rs. 500, whichever is higher.
Cheque Payment Fees Rs. 100
Rewards Redemption Fees Rs. 99 (On gifts, statement credit, and selected vouchers)
Rent Payment Transaction Processing Fee Rs. 199
Cash withdrawal fees 2.5% of the cash amount withdrawn or Rs. 500, whichever is higher
Processing Fees for 60 days 2% or Rs. 199, whichever is higher.
Processing Fees for 180 days Nil
Late Payment Fee For Outstanding Balance Fee
Up to Rs. 500 Nil
Greater than Rs. 500 to up to Rs. 1,000 Rs. 400
Greater than Rs. 1,000 to up to Rs. 10,000 Rs. 750
Greater than Rs. 10,000 to up to Rs. 25,000 Rs. 950
Greater than Rs. 25,000 to up to Rs. 50,000 Rs. 1,100
Greater than Rs. 50,000 Rs. 1,300

Consider a card's annual fee, joining fee, and best use while reviewing it.

Card Variant Joining Fee Annual Fee Best For
SBI Elite Credit Card ₹ 4,999 ₹ 4,999 Rewards and Travel
SBI Prime Credit Card ₹ 2,999 ₹ 2,999 Travel, shopping & rewards
SBI SimplyCLICK Credit Card ₹ 499 ₹ 499 Rewards on Everyday Expenses
SBI SimplySAVE Credit Card ₹ 499 ₹ 499 Rewards on Everyday Expenses
Club Vistara SBI Card PRIME ₹ 2999 + taxes ₹ 2999 + taxes Rewards & Travel
BPCL SBI Card Octane ₹ 1,499 ₹ 1,499 Fuel Purchases
IRCTC SBI Card Premier ₹ 1,499 ₹ 1,499 Travel
Nature's Basket SBI Card Elite ₹ 1,499 ₹ 1,499 Grocery
Nature's Basket SBI Card ₹ 1,499 ₹ 1,499 Grocery Shopping
Lifestyle Home Center SBI Card Prime ₹ 2,999 Rs. 2,999 Shopping
FabIndia SBI Credit Card ₹ 499 ₹ 499 Shopping
Cashback SBI Card ₹ 999 ₹ 999 Cashback & Online Shopping
Air India SBI Signature Credit Card ₹ 4,999 ₹ 4,999 Travel and Rewards
Air India SBI Card Platinum ₹ 1499 ₹ 1499 Travel
Yatra SBI Credit Card ₹ 499 ₹ 499 Travel
SBI Aurum Credit Card ₹ 9,999 ₹ 10,000 Rewards & Travel
SBI Pulse Credit Card ₹ 1,499 ₹ 1,499 Health & Fitness
Apollo SBI Credit Card ₹ 499 ₹ 499 Health & Fitness; Rewards
Reliance SBI Co-branded Cards ₹ 499 ₹ 499 Shopping
Reliance SBI Card Prime ₹ 2,999 ₹ 2,999 Shopping & Rewards
Titan SBI Credit Card ₹ 2,999 ₹ 2,999 Shopping & Rewards
Suggested Read : Check 25 Best Credit Cards in India in February 2026 and find the right card as per your spending habits.

SBI Credit Cards: Features & Benefits

State Bank of India has a variety of features and benefits in between them some common benefits are applicable to each SBI credit card are mentioned below:

Auto payment of bills

Easily pay your utility bills with your credit card. You can make only on-time monthly payments using the Easy Bill Pay auto bill payment option. Pay your phone and electricity bills, insurance premiums, and utility bills after simple registration.

Lower Interest Option

Pay off balances from other cards at a low interest rate with SBI Credit card facility. Avoid paying interest on multiple credit cards by using the balance transfer feature.

Contactless Payments

In a single tap of your card or smartphone, you make payments quickly and securely.

Easy Access via SBI Card Mobile App

SBI Card Mobile App, for credit cardholders helps in managing their credit cards. Users can use extra services like Encash and Flexipay, and make payments with their SBI credit card, check statements, and unbilled transactions.

Flexipay Feature

The Flexipay function can turn large purchases into simple EMIs. Select a duration of 3, 6, 9, 12, 18, or 24 months to convert transactions that have exceeded Rs. 2,500 in the last 30 days..

Overlimit Facility

Also, you have the option to use your SBI Credit Card's overlimit feature to spend more than your available limit.

Encash Facility

Through the Encash Facility, cardholders can get immediate cash and settle their balance in convenient instalments up to a 48-month period. Whereas Encash Inline is provided inside the user's current credit limit, Encash offer is provided over and beyond his or her current credit limit.

Add-on Cards

You can apply for add-on credit cards for your parents, children over the age of 18, and spouse using your primary credit card. Add-on Cards usually offer the same advantages as major cards.

Balance Transfer

Transfer balance to your SBI credit card & avoid paying finance fee or charges if you have high balances on other bank credit cards that you are having trouble paying off. Although interest will be charged on balance transfers as well, it is substantially less than it is on revolving balances.

Convenient access to your account

Download SBI Card mobile app or log into your SBI card account online. Pay your bills easily, as well as view your remaining balance securely.

Money Simplified

Easy steps to get you fast cash from the ATM Cash services with your SBI Card.

Insurance Protection

Three different levels of insurance protection with your SBI Card, providing the ability to handle health concerns, accidents, card loss, card theft, and more.

Features of the Major SBI Bank Credit Cards

SBI ELITE Card

The SBI ELITE Credit Card is a high-end credit card that provides special features in a number of areas, such as entertainment, travel, and reward programs. You receive an e-gift coupon worth Rs. 5,000 as a welcome present, and you can enjoy up to Rs. 6,000 in annual cinema bonuses. You can earn up to 50,000 bonus RPs (about Rs. 12,500) annually under its milestone privileges. In order to provide cardholders with the greatest reward experiences, the card also grants free access to airport lounges, free Club Vistara membership, and free Trident Privilege membership. Maximum credit card limit in SBI ELITE Credit Card is minimum 1,00,000 and Maximum 10,00,000

SBI Card PRIME

One of the top reward cards offered by the State Bank of India is the SBI PRIME Credit Card. SBI Card PRIME gives the chance to earn thousands of rupees per month on your purchases and greets you with a gift coupon worth Rs. 3,000. Depending on your overall annual spending, you can receive e-gift cards worth Rs. 8,000 each year. In addition, the card entitles you to free access to airport lounges, free Trident Privilege membership, and a host of other exclusive advantages. Maximum credit card limit in SBI Card PRIME Credit Card is minimum 40,000 and Maximum 10,00,000.

Cashback SBI Credit Card

As its name suggests, SBI Bank just introduced the Cashback credit card, which gives you cashback on almost all of your purchases. In addition to up to 5% cashback on online purchases and 1% cashback on offline purchases and utility bill payments, the card comes with an annual fee of Rs. 999. If you spent Rs. 2 lakhs plus on Cashback SBI Credit Card in the previous year, Then, you will also receive a remission of the 1% fuel surcharge and avoid paying the renewal cost.

SimplySAVE SBI Credit Card

The SimplySAVE SBI Credit Card lets users save money every time they make a purchase. The card comes with a welcome bonus of 2,000 additional RPs, or Rs. 500. Use SimplySAVE to earn RPs on all of your retail purchases and to get accelerated rewards on a few categories, like department stores, eating, and groceries. With the card, you may take advantage of numerous fantastic savings options, including a fuel surcharge waiver and a spend-based renewal fee waiver. With this card, you can receive a yearly gasoline transaction value of up to Rs. 1,200 and a Rs. 499 waiver on your renewal charge. Maximum credit card limit in SBI SimplySAVE Credit Card is minimum 10,000 and Maximum 5,00,000.

SimplyCLICK SBI Credit Card

The State Bank of India also offers the SimplyCLICK SBI Credit Card, another shopping card designed to help its clients save more money when they purchase. You get an Amazon gift card worth Rs. 500 when you use the card, and you earn reward points (RPs) for everything you spend, with partner brands and online shopping earning you more points. By meeting the annual criteria, the card offers you the chance to win gift certificates worth up to Rs. 4,000 each year. Additional advantages include the removal of fuel surcharges and spend-based annual fees. Maximum credit card limit in SBI SimplyCLICK Credit Card is minimum 10,000 and Maximum 5,00,000.

Paytm SBI Card SELECT

With the attractive cashback offers that come with the Paytm SBI Card SELECT, users may save an increasing amount on their purchases. As a welcome gift, you receive a complimentary Paytm First membership with perks up to Rs. 75,000 and Rs. 750 in cashback in your Paytm wallet. If you meet the annual spend criteria, you can receive gift certificates with a maximum value of Rs. 6,000 as part of its milestone benefits. While the card is well-known for its reward programs, it also offers special travel benefits including free domestic lounge access and Priority Pass membership.

SBI Card Pulse

Recently, the SBI Pulse Credit Card was introduced with the goal of offering its users special health benefits. The card has an annual cost of Rs. 1,499, but as a welcome bonus, subscribers get free FitPass pro and Netmeds memberships. It offers you expedited rewards on eating and movie purchases in addition to pharmacy and medical-related expenses. Maximum credit card limit in SBI Card PULSE is minimum 40,000 and Maximum 10,00,000.

Club Vistara SBI Card PRIME

With the Club Vistara SBI Card PRIME, you may enjoy special travel benefits and earn Rewards in the form of Club Vistara Points, which can be applied to purchases linked to travel, such as hotel and airline reservations. Receive one premium economy class ticket as a welcome gift, and depending on your annual spending, you can earn up to four economy class tickets annually. To improve your travel experiences even further, the card also offers Priority Pass membership and free access to airport lounges.

Air India SBI Signature Card

One more of the most significant travel cards that the SBI has offered is the Air India SBI Signature Credit Card. The card is not only for its travel benefits but also for its great reward programs. With this card, you get 20,000 bonus RPs as a welcome benefit. Additionally, you can earn up to 1,00,000 bonus RPs annually with its milestone advantages. It is simple to exchange the RPs for Air India Air Miles. One of the card's travel perks is annual free admission to airport lounges.

Etihad Guest SBI Premier Card

Another excellent credit card offered by SBI for travel is the Etihad Guest SBI Premier Credit Card. You are greeted with 5,000 EG points and two complimentary WiFi vouchers, and you can accrue rewards in the form of Etihad Guest miles. Upon hitting the spend milestone, you will receive 1,500 bonus miles annually. On Etihad Airways, you can also get discounts of up to 10% when buying your flights. Additional travel perks include free annual access to domestic and international airport lounges, free coverage for aviation accidents, etc.

Yatra SBI Credit Card

Save Rs. 1,000 on domestic travel tickets with a minimum payment of Rs. 5,000. Discount of Rs. 4,000 on tickets for foreign travel with a minimum booking value of Rs. 40,000. For every Rs. 100 spent on restaurants, grocery, movies, department stores, amusement, and international purchases, you will receive six Reward Points. India's Mastercard airport lounge access.

SBI Unnati Credit Card

One Reward Point for every Rs.100 spent using this card. Spend Rs.50,000 or more in a year to earn cashback of Rs.500. 1% fuel surcharge waiver on spends between Rs.500 and Rs.3,000.

Pre-approved Credit Card

State Bank of India is providing the pre-approved Credit Card. It is a type of a Credit Card that your bank or the card issuer offers you, even if you have not applied for it.

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How To Activate SBI Bank Credit Cards?

To activate your new SBI Credit Card, you have a few options for both online and offline ways. You are able to better understand the same by considering the following points:

SBI Credit Cards Login/Net Banking

You will need to register your card in order to use your SBI Credit Card for online banking. Go through with these easy steps:

SBI Credit Card Application Status

If you applied for your card via the SBI website, you can also check the status of your application.

SBI Credit Card Rewards Program

You may also earn Shop-and-Smile Reward Points with most of the SBI cards; but these points are valid for only two years. Earn points on every transaction when you use your card to make purchases. Remembering the specific spend categories that allow you to earn the most Reward Points is important. After you've earned enough points, you can exchange them for exclusive offers and more. Redeeming points is possible through the SBI yono mobile app or on the official website. Use login credentials to log in and use your points to purchase any item.

To redeem your points, contact SBI Card Helpline at 39 02 02 02 or 1860 180 1290 with your local STD code. Your registered address is where your gift will be delivered.

How to Redeem SBI Credit Card Reward Points

SBI credit card reward points can be redeemed both online and offline.

Online Redemption of SBI Credit Card Rewards

State Bank of India is providing the pre-approved Credit Card. It is a type of a Credit Card that your bank or the card issuer offers you, even if you have not applied for it.

  • SBI Credit Card Reward Points Redemption via Mobile Banking
  • Step 1: Open the SBI Card mobile app and log in.
  • Step 2: Select "Redeem Rewards" after selecting "Rewards" on the left.
  • Step 3: Browse the Rewards Catalog and "Select" the things you want as rewards.
  • Step 4: Select "Redeem," then provide confirmation.
  • SBI Credit Card Reward Points Redemption Through Net Banking
  • Step 1: Visit the SBI Card website and log in.
  • Step 2: Go to the "Rewards" area and tap on "Redeem Rewards."
  • Step 3: Edit the categories, cities, & reward points.
  • Step 4: Look through the "Rewards Catalogue" and select an item you want.
  • Step 5: Click "Redeem Now."

Offline Redemption of SBI Credit Card Rewards

Through SBI Customer Care, you can redeem your credit card reward points offline. To speak with a customer care executive, just give the SBI credit card customer care number a call. He or she will help you use your reward points for redemption.

SBI Credit Card Balance Transfer

Use your SBI card to make balance transfers to your other credit cards. It provides an affordable interest rate, by which you can move the balance due on other cards to your SBI card. You can also, reduce the interest you pay on various credit cards by using the SBI credit card balance transfer. There are two balance transfer plans available from SBI:

When is the Interest Rate of an SBI Card Charged?

There are three circumstances in which the SBI Bank Credit Card interest rate is applicable. The following information is given as follows:

SBI Interest-Free Period

Customers with SBI Credit Cards that have terms of 20 to 50 days can enjoy 0% interest. It is the interval of time between the current due date and the creation of your most recent statement. During this time, no interest will be charged on any of the purchases.

Remember, these two details about the interest-free term on credit cards:

Encash Facility on SBI Card

Cardholders receive access to the Encash facility, which is preapproved. They can use the Encash feature to acquire fast cash. Within 48 working hours of verifying your eligibility, the money will be deposited into your State Bank of India account. Repayment is also available in simple instalments for up to 48 months.

The Encash offer exceeds the user's current credit limit, yet the Encash inline is supplied within that limit. The money will be sent using the National Electronic Funds Transfer system, or NEFT. Encash charges a processing fee in addition to an interest rate.

SBI Credit Card Bill Payment

You have several options from SBI to assist you in making your on-time SBI credit card payment. You can pay your bill offline or offline, as your convenience.

Offline Payment

SBI ATM: Use your debit card to pay your monthly bill at any SBI ATM.

Payment at Bank Branch: To pay your credit card bill, visit any State Bank of India branch.

Manual Drop Box: Any drop box located throughout India is where you can deposit your check.

Electronic Drop Box: Get an instant receipt when you deposit your check in a nearby electronic drop box.

Online Payment

UPI: With Any UPI QR code, the Virtual Payment Address feature, or BHIM SBI Pay can be used to pay your credit card bills.

SBI Apps: Pay Through using the SBI Card mobile app or the SBI YONO mobile app on your smartphone.

Net Banking: By accessing your net banking account using the Online SBI portal, you can pay your credit card charge. You can pay using NEFT or any other bank's online banking service by choosing the SBI "Visa Credit Card Pay" option.

Electronic Bill Payment (EBP): Majorly all these Banks allow you to use the Electronic Bill Payment to pay your credit card bills facility. SBI, Citibank, Indian Overseas Bank, Bank of India, and mobile banking services.

MasterCard MoneySend: Pay a SBI credit card bill online using any third-party payment app which accepts the MasterCard MoneySend payment method.

NACH: Another method to pay your credit bills automatically is the National Automated Clearing House (NACH), which prints checks on behalf of every month to settle your credit card bills. Simply provide your permission to the payment when prompted.

PayNet BillDesk: Through the SBI BillDesk PayNet-Pay Online payment channel, you can pay your bills.

Debit Card: A debit card can be used to pay for monthly expenses. Paying using debit cards from top banks is also possible with SBI.

SBI Auto Debit: With the auto debit option, you can conveniently make credit card bill payments straight from your State Bank of India account.

SBI Credit Card Customer Care

State Bank Of India provides a great customer service to maintain customer relationships regarding any SBI credit-card related inquiries. Customer can be reach us through any of the following channels:

By contacting any of the numbers given here: 1800 180 1290 is the toll-free number for SBI credit card customer support. 1860 500 1290, 1860 180 1290, 39 02 02 02 (prefix: the local STD code)

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FAQs

Your SBI credit card can be activated via email, the SBI Credit Card app, or SBI Card Net Banking. You must first register for the net banking service in order to use it. After registering, sign in, select the "Requests" page, and then select "Card Activation." Give your approval by selecting the "Activate" button. The mobile application will go through a similar procedure. As an alternative, you can contact them via phone, email, or chat with their chatbot ILA to activate your card.

The SBI Credit Card app, website, chatbot ILA, IVR, or ILA can all be used to generate an SBI credit card. Each approach has a different process. Using your customer ID and password, you must first log in to the SBI Card website in order to generate or modify your PIN. After that, you can choose the card in the "Manage PIN" area and authenticate using an OTP. Proceeding will require you to input the new PIN twice.

Yes, SBI Card and a number of banks worked together to design and introduce credit cards.

If your SBI credit card is co-branded, you can redeem your reward points online by going to the partner merchant store or portal or by login onto the official SBI Card website. To redeem your reward points, you can also give the SBI credit card hotline a call. Unless otherwise specified, points may only be redeemed in multiples of 2,000.

Beginners can choose between two popular SBI credit cards: SBI SimplySAVE and SBI SimplyCLICK. Both of these cards have an annual cost of Rs. 499, so they're a fantastic choice if you're looking for a decent set of benefits for a low annual fee. While SBI SimplyCLICK is helpful if you regularly shop online, SimplySAVE is an excellent way to save money on your retail shopping expenses. You should choose based on how much money you want to spend.

Within 30 days of the purchase, if you did not convert your purchases into EMIs at the time of purchase, you can still do so via the Flexipay Facility on your SBI Card. Rs. 2,500 is the minimum booking amount. To use Flexipay, combine many transactions amounting more than Rs. 500. There will be an extra processing charge of 2% of the total transaction price, with a minimum of Rs. 249 and a maximum of Rs. 1,500. The interest rate is set at 20% per annum, subject to change based on available offers.

The highest amount you can spend with your SBI credit card is its entire credit limit. The credit limit is deducted as you use the card and is refilled when you settle your balance. Many factors, such as your salary, credit score, the limit on your current cards, and the credit card company's internal policies, affect the limit you would receive on your SBI Card. Your SBI Card may automatically offer you an increase in your limit if you've had it for a long time and have been consistent with both payments and use. You will receive an email or SMS with the same information. You can request a limit increase if you do not receive update from them. It can also be necessary for you to provide the most recent evidence of your income.

You can write to SBI customer care or phone the SBI credit card helpline to close your SBI credit card. All outstanding balances must be settled in full before your card can be closed. Before closing your card, you should also check to see whether you have any reward balance and use it. Keep in mind that adding credit cards will automatically result in the termination of the principal credit card.

You may disable your SBI credit card by sending an SMS to 5676791 with the code restrict XXXX, where XXXX is your SBI credit card's last four digits. For the same, you may also contact the SBI Card helpline at 18601801290 or 39020202 (prefix local STD code).

Depending on the demands of the user, SBI provides a variety of credit cards with benefits. You need to examine how much you spend on several credit cards in order to determine which one is best for you. For example, you may want to look at the Air India SBI Signature Credit Card, IRCTC SBI Card Premier, Club Vistara SBI Card Prime, or Yatra SBI Credit Card, among other options, if you're looking for an SBI travel credit card. You can search for BPCL SBI Card Octane to save money on petrol. Similarly, SBI SimplyCLICK or SBI SimplySAVE will be a superb choice for benefits on shopping expenses. Therefore, the SBI credit card that gives you the most value-back on your regular purchases would be the greatest choice for you.

No, But few SBI credit cards let you use your reward points to settle your outstanding balance. You can use reward points to offset the balance on your card, for example, if you have an outstanding balance on your SBI Card Prime, SBI Card Elite, or SBI SimplySAVE Advantage. You can redeem one rupee for every four reward points on any of these cards.

If your card is lost or stolen, you have to report it to the bank immediately. Your card will be blocked by the bank to protect it against fraudulent transactions.

You must activate your card for foreign transactions before you travel abroad. To enable the foreign credit limit on your card, log into your SBI account. You can get assistance with the activation from the chatbot ELA.

Yes, SBI Card offers an exclusive app called "SBI Card" that works with both iOS and Android devices. After downloading the app, you can use it to register, view the details of your credit card account, make requests related to your card, conduct transactions, and request additional SBI products, among other things.

The bank may take up to 21 days to process your SBI credit card application once you submit it and the necessary paperwork. It could take much longer if there are any missing documents or other problems with the application.

In addition to any applicable taxes, there is a 3.5% markup fee for foreign currency transactions. It's crucial to keep in mind that using Indian rupees to make purchases while traveling overseas will result in increased expenses. It is preferable to use the local currency when traveling.

Quick Links to Manage your SBI Credit Card

Please click the links below to find details and instructions related to SBI Credit Cards that can help you in easily managing your card: