Top 7 SBI Credit Cards

The State Bank of India (SBI) has a variety of credit cards that can be used for rent pay with credit card, shopping, booking movie tickets, travel tickets etc.  But, how would you know what works the best for you in terms of value and benefits. Here, we have compiled a list of seven popular SBI credit cards so that you can evaluate while looking for SBI credit cards.

 

SBI Card ELITE

Source: SBI website

 

With an annual fee of Rs 4,999 and taxes, this card offers benefits across verticals, such as travel, movies, dining, etc.

Eligibility

The minimum income of the applicant, salaried or self-employed, must be Rs 60,000 per month.

Benefits offered

• An e-voucher worth Rs 5,000 as part of Welcome voucher of brands, such as Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, Yatra, etc.
• For every Rs 100 spent on the SBI Card Elite, you will earn two reward points. You can earn around 50,000 reward points worth Rs 12,500 in a year.
• Additionally, five-times rewards are offered on spending related to dining, groceries, and departmental store.
• Free movie tickets worth Rs 6,000 every year. Maximum discount is Rs 250 per ticket for two persons only.
• Complimentary Priority Pass membership for two years, Club Vistara Silver and Trident Red Tier membership.
• A foreign exchange markup fee of only 1.99%.

SBI Card Elite: International acceptance

SBI Card Elite is accepted in around 3,25,000 Visa outlets in India and 24 million outlets all over the world.

 

SBI Card Prime Credit Card

Source: SBI

 

It is a high-value card for high-spenders, especially those who spend on categories including dining, movies, groceries, and departmental stores. With an annual fee of Rs 4,999 plus taxes, this card offers you a welcome e-gift voucher worth Rs 3,000 from any of the following brands: Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

SBI Card Prime: Benefits

• Get 10 reward points per Rs 100 spent on dining, groceries, departmental stores, and movies.
• Waiver of renewal fee on annual spend of Rs 3 Lakh.
• Complimentary Trident Privilege Red Tier Membership
• Club Vistara membership
• Four complimentary visits per calendar year to International Priority Pass Lounges, outside India (maximum two visits per quarter)
• For every Rs 100 spent on birthday, 20 reward points will be earned.

SBI Card Prime: Eligibility

The eligibility for this SBI credit card is 18 to 60 years and the applicant should be either salaried or self-employed.

SBI Card PRIME: International acceptance

• SBI Card PRIME is accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India.

 

Air India SBI Signature Credit Card

Source: SBI website

 

This card is offered in association with Air India. With an annual fee of Rs 4,999 plus taxes, this card gives benefits in the form of reward points that can be converted into Air India Air Miles in 1:1 ratio. It attracts a renewal fee of Rs 4,999 per annum, where you will get an anniversary gift of 5,000 reward points.

Air India SBI Signature Credit Card: Eligibility

The minimum income of the applicant, salaried or self-employed, must be Rs 60,000 per month.

Air India SBI Signature Credit Card: Benefits offered

• Welcome gift of 20,000 reward points on paying the joining fee.
• For every Rs 100 spent on the Air India SBI Signature Credit Card, you will earn four reward points. You can earn around 1,00,000 bonus reward points in a year.
• Earn up to 30 reward points for every Rs 100 spent on Air India tickets booked through airindia.com or airindia mobile app.
• Complimentary Priority Pass membership.

Air India SBI Signature Credit Card: International acceptance

• Air India SBI Signature Credit Card is accepted in two million Visa outlets worldwide and over 2,85,000 outlets in India.

 

BPCL SBI Octane Credit Card

 

This card works in association with Bharat Petroleum Corporation Limited (BPCL) and attracts a joining fee of Rs 1,499. The renewal fee per annum is Rs 1,499.

BPCL SBI Octane Credit Card: Benefits

• Bonus reward points of 6,000 equals to Rs 1,500 on payment of annual fee.
• 25X reward points on fuel purchase at BPCL petrol pumps. You can get a maximum of 2,500 reward points per billing cycle.
• Get 25 reward points on every Rs 100 spent at BPCL fuel, lubricants and Bharat Gas done on their website and app.
• Lounge access benefit
• Gift vouchers worth Rs 2,000 from one of the given brands — Aditya Birla Fashion, Yatra, Bata/Hush Puppies — on annual spend of Rs 3 Lakh.

 

BPCL SBI Octane Credit Card: Eligibility

The eligibility for this SBI credit card is 21 to 70 years and the applicant should be either salaried, or self-employed.

 

BPCL SBI Octane Credit Card: International acceptance

BPCL SBI Card OCTANE (international credit card) can be used at over 24 million outlets worldwide, including 3,25,000 outlets in India.

 

IRCTC SBI Card Premier Credit Card

It works in an association with Indian Railway Catering and Tourism Corporation (IRCTC) and attracts a joining fee of Rs 1,499 and taxes. The renewal fee per annum is Rs 1,499.

IRCTC SBI Card Premier Credit Card: Benefits

• Reward points equivalent to Rs 1,500 (1,500 points) on payment of the first annual fee.
• 10% value back on AC-1, AC-2, AC-3, AC-CC as reward points if train tickets are purchased from irctc.co.in and IRCTC mobile app.
• Three reward points on spending Rs 125 on dining and standing instructions on utility spend.
• On annual travel spend of Rs 50,000, earn 2,500 reward points.
• Eight complimentary railway lounge access in a year to participating lounges in India (maximum two allowed in one quarter)

IRCTC SBI Card Premier Credit Card: Eligibility

The eligibility for this SBI credit card is 21 to 70 years and the applicant should be either salaried, or self-employed.

IRCTC SBI Card Premier Credit Card: International acceptance

IRCTC SBI Card Premier is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India.

 

SBI Simply Click Credit Card

 

To apply for the SBI Simply Click Credit Card, you should pay an annual amount of Rs 499 with taxes. The renewal cost is Rs 499 plus taxes per year thereafter.

SBI Simply Click Credit Card: Benefits

• in gift card worth Rs 500 on payment of an annual fee of Rs 499 and taxes.
• Earn 10X reward points on online spend with exclusive partners namely Apollo24X7, BookMyShow, Cleartrip, Eazydiner and Netmeds. On all other transactions, enjoy 5X reward points.
• e-Voucher worth Rs 2,000 on an annual online spend of Rs 1 Lakh. Along with this, you can get your annual renewal charge reversed for the next year.

SBI Simply Click Credit Card: Eligibility

The eligibility for this SBI credit card is 21 to 70 years and the applicant should be either salaried, or self-employed.

SBI Simply Save Credit Card

 

This is an entry level credit card, and you need to pay an annual fee of Rs 499 to apply for it. The renewal fee per annum is Rs 499.

SBI Simply Save Credit Card: Benefits

• If you spend Rs 2,000, or more in the first 60 days, you will get 2,000 bonuses as reward points.
• You will be eligible for 10 reward points per Rs 150 spent on dining, movies, departmental stores, and grocery spends.
• Get an annual membership fee reversal from second year of your subscription if you spend more than Rs 1,00,000 or more in the previous year.

SBI Simply Save Credit Card: Eligibility

The eligibility for this SBI credit card is 21 to 70 years and the applicant should be either salaried or self-employed.

 

SBI credit card: Fraud liability cover

Mostly all SBI credit cards except the entry-level credit cards offer complimentary credit card fraud liability cover of Rs 1 Lakh. Note, this cover is applicable from 48 hours prior to reporting the loss till seven days post reporting the loss.

 

SBI credit card: Documents required

Applicants should submit proof of identity, address, and income with the application form. The documents mentioned below are accepted.

Proof of identity

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

Proof of Address

Aadhaar card, Driver’s License, Passport, not more than three-month old utility bill, 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

Salary slips not more than three-month old.

Latest Form-16

Last three months’ bank statement.

 

FAQs

How can I apply for SBI credit cards?

You can apply for SBI credit cards online on its portal, or by visiting the SBI branch.

What are the eligibility criteria for getting SBI credit cards?

A person must be minimum of 18 years of age and should be either self-employed, or salaried. The maximum age limit for certain SBI credit cards is 60 years and some stretch up to 70 years.

How can I check my SBI credit card balance?

You can check your SBI credit card balance online by using its portal, or mobile app, using an SMS or calling the customer care.

How can I make payments for the SBI credit card?

The SBI credit card payment can be done using online methods like NEFT, RTGS, net banking, mobile banking, etc. You can also visit any bank and pay using the offline mode.

What should be done if your SBI credit card is lost, or stolen?

If your SBI credit card is stolen or lost, the first step is to block the card by calling the customer care. Further, file a police complaint to apply for a replacement card.

Got any questions or point of view on our article? We would love to hear from you. Write to our Editor-in-Chief Jhumur Ghosh at [email protected]