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SBI Credit Card

SBI Credit Card Online

Last Updated 04th May 2021
Best SBI Cards Interest Rate Annual Fee (₹)
ELITE 3.35% 4,999
PRIME 3.35% 2,999
SimplySAVE Card 3.35% 499
IRCTC Platinum Card 3.35% 300
Yatra Card 3.35% 499
BPCL Card 3.35% 499
Unnati Credit Card 2.50% NIL

Best SBI Credit Card Online

SBI Credit Cards Category Joining Fee Monthly Interest Charge
Air India Platinum Card Premium, Travel and Airline ₹ 1,499 3.35%
Air India Signature Card Premium, Travel and Airline ₹ 4,999 3.35%
BPCL Card Fuel ₹ 499 3.35%
ELITE Lifestyle, Premium, Shopping ₹ 4,999 3.35%
Etihad Guest Card Premium, Travel and Airline ₹ 1,499 3.35%
Etihad Guest Premier Card Premium, Travel and Airline ₹ 4,999 3.35%
FBB Contactless Card Lifestyle, Shopping ₹ 499 3.35%
IRCTC Platinum Card Travel and Airline ₹ 500 3.35%
Mumbai Metro Card Travel and Airline ₹ 499 3.35%
PRIME Lifestyle, Premium, Shopping ₹ 2,999 3.35%
SimplyCLICK SBI Card Lifestyle, Shopping ₹ 499 3.35%
SimplySAVE Card Lifestyle, Rewards, Shopping ₹ 499 3.35%
Tata Platinum Card Rewards ₹ 2,999 3.50%
Unnati Credit Card Rewards NIL 2.50%
Yatra Card Shopping, Travel and Airline ₹ 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.

SBI Credit Card Eligibility

In order to apply for SBI Credit card offers one needs to meet the following eligibility criterias, as listed below:

Income: The minimum income of the applicant should be ₹ 20,000 for salaried employees and annual income after tax deduction should be ₹ 4 Lakh 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 as your credit history defines your repayment capacity. 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 and you can easily opt to apply for SBI credit card. The bank comes with special credit card offers 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 SBI credit card online or from any SBI branch if you are at least 21 years old upto maximum age group of 70 years. However, the minimum age to get a SBI credit card online or from the bank varies by various schemes depending on the card you choose to apply for.

How to Apply SBI Credit Card?

If you are an existing customer you can apply for SBI Credit Card by visiting the nearest bank branch or can apply online by following the below-mentioned procedure:

  • Visit SBI official web portal and on the SBI Credit Card page, find the list of SBI credit cards on the top.
  • Now, choose a card as per your choice and click on the 'Check Eligibility' button.
  • You will now be redirected to the application page if you are eligible for the card.
  • Next, fill all the required fields and click on 'Submit'.
  • Finally, upload the essential documents and click on 'Submit.'
  • As you have successfully submitted all the documents and application, you will receive an acknowledgement message with the 'Application ID'. You can use the same ID to track your application status.

If you are a new customer, you can visit the bank branch or follow the below-mentioned procedure to apply for SBI Credit Cards:

  • Visit SBI official web portal and on the SBI Credit Card page, find the list of SBI credit cards on the top.
  • Now, enter your personal and contact details.
  • Next, the representative of the bank will contact you and guide you about the process of applying for SBI Credit Cards.

Top SBI Credit Cards

  • ELITE: Unlock a world of privileges with the SBI Elite Card. This SBI credit card is a VISA credit card which offers a host of shopping benefits at the best travel and lifestyle brands such as Yatra, Marks & Spencer, etc. The card also offers two 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 offline and online spends.
  • PRIME: 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 gift 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.
  • BPCL Card: It is a co-branded credit card launched jointly by SBI Card and Bharat Petroleum Corporation Ltd (BPCL). The card has been exclusively designed to provide the most attractive fuel saving benefits for the card holders.
  • Unnati Credit Card : SBI Unnati is a new credit card launched by State Bank of India. This card is issued to an account holder who has an account balance of Rs 25,000. The card has host of benefits.

Documents required for SBI Credit Card

The type of credit card documents required differ for new and existing card holders to apply for SBI credit card. 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

How to check SBI Credit Card Status?

The process of tracking the status of the SBI credit card application is simple and can be done through online and offline modes. You can follow the credit card application once you have received the confirmation SMS post acknowledging your credit card application.

Track the Status of SBI Credit Card Online

  • To check the status of SBI credit card applications online, you need to visit the official website of SBI bank.
  • After visiting the website, find the 'Track your Credit Card Application Status' option under the Credit Card tab and fill required information such as the Date of Birth, Application Reference Number, Application Form Number and Mobile Number.

Track the Status of SBI Credit Card Offline

SBI credit card application can also be tracked offline by calling the 24*7 customer care number and by visiting the nearest SBI Bank branch. You need to provide an application reference number and application form number to know the status of your credit card application.


Who can apply for SBI credit card?

To apply for SBI Credit Card online or offline, the minimum age of the applicant should be at least 21 years and not more than 60 years at the time of applying for a credit card. In addition to this, the applicant must meet the other eligibility criteria also such as minimum income, regular employment and good credit score. The bank does not offer credit card to applicants who have made any default payments in the past.

How can I get SBI credit card?

To apply for SBI Credit Card, follow these simple steps:

Register: Apply for a Credit Card online by filling an easy application form.

Select a Credit Card: Choose a Credit Card which best suits your needs and lifestyle.

Submit Documents: Submit KYC and income documents to the bank's representative.

Get Approved Instantly: Receive instant approval on your SBI Credit Card after document verification.

After card approval, you will receive your credit card within 10 to 15 days.

What is the interest rate of SBI credit card?

The Interest rate on SBI Credit Card varies from card to card. However, the interest rate charged on late-payment of credit card bill ranges can go upto 3.35% per month from the transaction date.

How many types of SBI credit cards are there?

SBI offers a variety of credit cards to suit your need and lifestyle. SBI offers various lifestyle cards, reward cards, shopping cards, travel and fuel cards, and banking partnership cards. Some of them are SimplySAVE SBI Card, SimplyCLICK SBI Card, SBI Card PRIME, IRCTC SBI Platinum Card, Yatra SBI Card, Air India SBI Signature Card, STYLEUP Contactless Card, SBI Card ELITE and Mumbai Metro SBI Card etc. You can choose the SBI card that suits your requirements.

Can I apply online for SBI credit card?

Yes, one may easily apply for a range of SBI credit card online in less than 2 minutes by filling an online application form containing your personal and occupational details. Before doing so, check your eligibility criteria first in the 'SBI Credit Card Eligibility' section and compare the range of SBI Credit cards offered by the bank and choose the card that suits your need the best.

Which credit card is best in SBI?

Some of the best credit cards of SBI are: BPCL SBI Card, SimplyCLICK SBI Card, and SimplySAVE SBI card.

What is the minimum salary for SBI credit card?

The minimum salary required is Rs. 20,000 per month.Thus individuals with the eligible salary can go for SBI credit card apply.

Which SBI credit card has no annual fee?

The card with no annual fee is Mumbai Metro SBI Card.

What are SBI credit card charges?

Some of the important SBI credit card charges that you should know are;

  • Foreign Transaction Fee - 3.5%
  • Card replacement fee - Rs. 100
  • Cash payment charge - Rs. 100
  • Late payment charges - Rs. 100 to 750
  • Cash advance fee - 2.5% of transaction (minimum Rs. 300)
  • Over limit fee - 2.5% of over limit amount (minimum Rs. 500).

SBI Credit Card Reviews 2.5/5  by 1 customers
MyLoanCare Service
Banks Service
Govind Bhai Darji, Ahmedabad
Reviewed on 14th Oct 2019
2.5 / 5 stars
SBI Credit Card Availed in Jun 2019

Good job.

SBI Credit Card News - May 2021
  • 2021-04-27 : SBI introduced video KYC on mobile banking app YONO
    With an aim to improve the customer experience and improve the loan and investment portfolio, SBI introduced KYC on its Mobile banking app YONO. The digital initiative, powered by AI and Facial Recognition Technology, is a contactless and paperless process.
  • 2021-04-27 : SBI Card reported a Q4 profit of ₹175-crore profit
    SBI Card reported a net profit of ₹175 crores for the fourth quarter ended March 31, 2021. The profit was boosted by an increase in other income, lower provisioning for impairment and bad debts.
  • 2021-03-21 : SBI recorded digital transactions as high as 67%
    State Bank of India has recorded a considerable increase in its digital transactions. The bank reported 67% digital transaction in the post Covid period from earlier 60% in the pre Covid times. The increase is attributed to hike in e-commerce due to covid induced lockdown which restricted the movement.
  • 2021-01-08 : SBI and IOC launched co-branded RuPay debit card
    State Bank of India (SBI) and Indian Oil Corporation (IOC) launched a co-branded contactless RuPay debit card. It is a contactless card and transactions up to Rs 5,000 can be paid for with just a tap. The cardholder will get several attractive benefits and associated offers on the purchase of fuel.
  • 2020-12-16 : SBI Card, BPCL to launch credit card offering benefits to high fuel spending customers
    SBI Card launched BPCL SBI Card Octane jointly with BPCL offering maximum savings to consumers who spend a significant amount on fuel. The card is striving to offer maximum savings to the well-heeled consumer who spends a significant amount on fuel. The BPCL SBI Card Octane offers 25X reward points on spends for BPCL fuel and MAK Lubricants, Bharat Gas (LPG) spends (website and app only) and BPCL In and Out convenience store spends. Additionally, The card also offers a complimentary fraud liability cover of Rs 1 lakh.
*Terms and conditions apply. Credit at sole discretion of lender subject to credit appraisal, eligibility check, rates, charges and terms. Information displayed is indicative and from collected from public sources. Read More
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