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.
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:Â To apply for an SBI credit card, the age must be between 18 years to 60 years.
- Income:Â Annual income will be used by the bank to determine your eligibility.
- Occupation:Â Either self-employed or salaried individuals are eligible to apply.
- Credit score:Â Need a
CIBIL score of at least 750.
- Nationality:Â 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.
SBI Credit Card: Fee & Charges
Some common budget friendly fees and charges that apply to almost all SBI Credit Cards:
Consider a card's annual fee, joining fee, and best use while reviewing it.
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.
Apply for a Credit Card & Get Instant Approval
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:
- Using an SBI ATM, you can quickly activate your SBI credit card. Simply go to the
ATM and select "Create PIN Using OTP" from the menu. To activate your card, enter the
OTP that was sent to the registered mobile number.
- Use online banking to activate an SBI credit card as well. Go to the "Manage PIN"
area under the "My Account" menu after logging into your online banking account.
- By speaking with the SBI Card chatbot ILA, you may quickly activate your SBI Credit
Card as well. Simply go to the official SBI Card website, select "Ask Ila," and
enter "How to generate PIN for my credit card." After providing certain information,
you can quickly activate your card.
- You can also ask a bank representative to help you activate your credit card by
contacting SBI Credit Card customer service. They will enquire about certain facts from
you and provide you with the necessary support.
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:
- Step 1: Go to the official SBI Card website.
- Step 2: Select "New User?" Click the "Register Now" button.
- Step 3: Proceed after entering your payment card information.
- Step 4: Enter your password and username, then hit "Confirm."
SBI Credit Card Application Status
If you applied for your card via the SBI website, you can also check the status of your application.
- Step 1: First, go to the SBI website and log in.
- Step 2: Under the "Apply" page, you will see the link to "Track My Application."
- Step 3: To obtain the information, enter your reference number or application.
- Step 4: To follow the progress of your application, you can optionally enter your date of birth.
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:
- A 60-day period of 0% interest. The processing charge is 2% of the total amount,
or Rs. 199, whichever is greater.
- For 180 days, at 1.7% interest each month. It waives the processing fee.
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:
- Make an ATM cash withdrawal using the Credit Card.
- Not making the full payment by the deadline.
- A small portion of the bill is paid.
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:
- The interest-free period does not apply if you carried over an outstanding balance
from the prior cycle into the current cycle.
- Withdrawals of cash are excluded from the interest-free period.
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)
Apply for a Credit Card & Get Instant Approval
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.