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.
Apply for SBI Credit Card Online & Get Instant Approval
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
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
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
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
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.
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
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
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
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
Rewards Benefits
Welcome Benefits
- Get 40,000 Reward Points Worth ₹10,000
- Club Marriott Membership Exclusive discounts on stays, dining, and spa services at Club Marriott hotels across India
- 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)
Rewards Benefits
Welcome Benefits
- Get 1500 RP equivalent to Rs. 1500 on payment of first annual fee.
- 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).
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
Rewards Benefits
Welcome Benefits
- 20,000 Reward Points as welcome gift (on joining)
- 1 Reward Point = 1 Air India Flying Return mile
- 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
Rewards Benefits
Welcome Benefits
- ₹1,000 off on domestic flight bookings (minimum booking of ₹5,000)
- ₹4,000 off on international flight bookings (minimum booking of ₹40,000)
- ₹1,000 off on hotel bookings (minimum booking of ₹3,000)
- 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.
Rewards Benefits
Welcome Benefits
- Apollo gift voucher worth ₹500 on card activation
- 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
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%
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
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
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:
- Reliance Trends: Valid on apparel & footwear.
- 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
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:
- Reliance Trends: Discount valid on apparel & footwear.
- Reliance Jewels: 2% off on gold making charges and 2% off on diamond invoice value (only for select SKUs).
- 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
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
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
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
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.
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
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.
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
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
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.
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.
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
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
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
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.