SBI Credit Card

Last Updated 15th Aug 2018

SBI Card Online

Polpular SBI Cards Interest Rate Annual Fee
Elite Card 3.35% NIL
Prime Card 3.35% NIL
SimplySAVE Card 3.35% NIL
IRCTC Platinum Card 3.35% NIL
Yatra Card 3.35% NIL
FBB Styleup Card 3.35% NIL
BPCL SBI Card 3.35% NIL
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Compare SBI Credit Cards Online, Best SBI Credit Cards

SBI Credit Cards Category Joining Fee Monthly Interest Charge
Air India Platinum Card Travel and Airline Rs. 499 3.35%
Air India Signature Card Travel and Airline Rs. 4,999 3.35%
BPCL SBI Card Fuel Rs. 499 3.35%
Central Select Card Shopping Rs. 2,999 3.35%
Doctors Card Travel and Airline, Lifestyle Rs. 1,499 3.35%
Elite Advantage Card Lifestyle Rs. 4,999 2.50%
Elite Card Lifestyle Rs. 4,999 3.35%
FBB Styleup Card Shopping Rs. 499 3.35%
IRCTC Platinum Card Travel and Airline Rs. 500 3.35%
Prime Advantage Card Premium, Lifestyle Rs. 2,999 3.35%
Prime Card Lifestyle, Premium Rs. 2,999 3.35%
Simply Click Card Travel and Airline, Shopping Rs. 499 3.35%
SimplySAVE Card Rewards Rs. 499 3.35%
Tata Platinum Card Shopping, Lifestyle Rs. 2,999 3.35%
Tata Titanium Card Shopping Rs. 499 2.25%
Unnati Card Low Fee NIL 2.50%
Yatra Card Travel and Airline Rs. 499 3.35%

Why choose SBI Credit Cards?

The State bank of India offers the widest range of credit cards with great benefits, deals and discounts. The wide variety of cards cater to all types of needs such as shopping, dining, travel, fuel, and movies. SBI credit cards offer Reward Points on all purchases which can be redeemed in its huge array of partner stores.

Top SBI Credit Cards

Elite Card: Unlock a world of privileges with the SBI Elite Card. The card offers a host of shopping benefits at the best travel and lifestyle brands such as Yatra, Marks & Spencer, etc. The card also offers complimentary movie tickets worth Rs. 6,000 every year, and premium lifestyle privileges like international and domestic lounge programme, Club Vistara Silver membership, Trident Privilege membership and generous reward points on all spends.

Prime Card: SBI Prime Card is one of the best lifestyle cards which offers various milestone benefits such as Club Vistara Silver membership, Trident Privilege membership and lounge access. The card helps you save in the form of reward points and vouchers for shopping at partner retail stores and dining.

SimplySAVE Card: The SBI SimplySAVE card really stands up to its name by offering unlimited benefits in the form of Reward Points. The card has worldwide acceptance and offers 10x Reward Points on dining, movies, departmental stores and grocery spends, with fuel surcharge waiver.

IRCTC Platinum Card: The SBI IRCTC Platinum Card reserves pure platinum privileges for you in the form of exclusive Reward Points on all railway bookings through IRCTC. This card also helps you save online transaction charges and fuel surcharge.

Yatra Card: As the name suggests, the Yatra Card by SBI offers many travel benefits such as discounts domestic and international flight bookings, air accident insurance, and lounge access. The card also comes with joining Reward Points, vouchers and fuel surcharge waiver.

FBB Styleup Card: The FBB Style UP card is the to-go card for all shoppers. This card offers upfront flat discounts at all Big Bazaar stores, and Reward Points in shopping and dining expenses. The FBB card comes with generous welcome gift vouchers and annual bonus Reward Points, with fuel surcharge waiver.

BPCL SBI Card: The BPCL Card is fuel- rewards card that helps you save on your fuel expenses. You can avail 13x Reward Points on fuel purchases at BPCL petrol pumps with fuel surcharge waiver. The card also offers great reward benefits on groceries, departmental store, movies and dining.

SBI Credit Card Eligibility

Income: The minimum income of the applicant should be Rs. 20,000 for salaried employees and annual income after tax deduction should be Rs. 450,000 for self employed. Usually, SBI gives a credit limit of 2 to 3 times of the monthly income you earn. For salaried individuals, it is based on the net monthly salary and in case of self-employed individuals, it is based on the income declared in IT return filed for the last financial year. In case you have an existing credit card from SBI or from any other bank, then SBI will not check your income and your credit card eligibility will be checked based on existing credit card's transaction history.

CIBIL Score: Most banks, including SBI prefer a credit score of 700 and above before sanctioning a credit card for you. A lower score reduces your chance of getting credit card approval. A high credit score would allow you to get an easy approval on credit card. If you already have a credit card then SBI checks your existing credit card's transaction and payment history to ensure that you are capable to make repayments on time.

Existing Relationship with SBI: If you already have an account with SBI, you have a higher chance of getting a credit card. SBI comes with special credit card schemes for its existing bank holders which would mean higher credit limit, waiver or discount on joining fees and annual fees and special promotional offers as a joining pack. In addition, if you have been maintaining a good balance in your account consistently over the , past few years, you are more likely to secure a higher credit limit on your card.

Age: Bank has different credit cards targeted at different age groups and income groups of borrowers. You can apply for a credit card from SBI if you are at least 18 years old upto maximum age group of 58 years. However, the minimum age to get a credit card from SBI varies by various schemes depending on the card your choose to apply for.

Documents required for SBI credit card

The type of documents required differ for new and existing card holders. Existing credit card holders are those who already own a credit card either from SBI or from any other bank. In this case, income documents are not required.

Document Type For New Card Holders For Existing Card Holders
Identity Proof PAN card, Driving License, Voter ID card, Passport PAN card, Driving License, Voter ID card, Passport
Address Proof Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number Bank statement, Rent agreement, Voter ID card, Ration card, Passport, Driving License, Postpaid Number
Income Proof
  • In case of salaried Individual- Last 3 months salary slips, 6 months bank statement for salary account
  • In case of self-employed- Latest IT returns with computation of income or certified financial documents, Proof of business continuity
Not Required
Existing Card Proof Not Required Front copy of card, 1 latest statement within 15 days

Frequently Asked Questions

Which SBI credit cards are best for people who frequently travel abroad?

SBI offers many travel cards which are attractive from the point of foreign exchange services, airport lounge services and booking tickets. These are IRCTC Platinum Card, Yatra Card, Doctors Card, Air India Platinum Card, Air India Signature Card, Simply Click Card.

Which SBI credit cards are best for shopping?

SBI’s shopping cards are Tata Platinum Card, Tata Titanium Card, FBB Styleup Card, Central Select Card, Simply Click Card which are best for customers who are frequent shoppers as they offer a host of attractive cashbacks and rewards.

Which credit cards of SBI offer the most rewards?

SimplySAVE Card are the popular cashback cards. These cards also offer fuel surcharge waivers.

What are lifestyle cards? Which are SBI’s lifestyle cards?

Lifestyle card offers host of upgrades, services and benefits for those who frequently prefer to go on holidays with family/friends and enjoy a luxurious and personalized travel and stay experience. SBI offers Elite Card, Elite Advantage Card, Prime Card, Prime Advantage Card, Tata Platinum Card, Doctors Card as premium lifestyle cards with features exclusive airport lounge access, discounts, frequent flyer benefits and many other lifestyle related rewards.

What happens if I do not make my SBI credit card payment on time?

If you do not make your SBI credit card payment on or before due date, then SBI levies an interest charge of 2.25% to 3.35% on your credit card which has to be paid by you along with the due amount. All the transactions made by you in the credit card period appears in your SBI credit card statement.

Credit Card News - Aug 2018
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