SBI offer credit cards in platinum, gold and silver variants which entices customers with opulent lifestyle choices. With exclusive benefits and special privileges like travel & lifestyle deals, fuel rewards, EMI options and cash advance facility, SBI credit cards will reward you with each spend that you make using the card.
Why Choose SBI Credit Cards
- Variety of CardsSBI has one credit card for every lifestyle need of the customer. Be it travel, premium or lifestyle, SBI has a plenty of options to choose from.
- Instalment OptionsCardholders are provided the option to convert costly purchases to easy monthly instalments.
- SBI Credit Cards Eligibility Criteria:Reward SchemesYou stand to earn reward points every time a purchase is made with your SBI credit card. You can redeem the reward points against special deals and offers
- Exclusive PrivilegesOther benefits like utility payments using cards, travel deals, shopping discounts, cash advance facility and balance transfer on EMI are also offered to the cardholders.
Features and Benefits of SBI Credit Cards
- SBI provides credit cards for anything and everything ranging from individual to corporate needs.
- Limited liability for clients: This is highly useful to protect oneself from sham transactions in case of loss of card.
- Code 10 calls are made when mercantile is doubtful about receiving a credit card payment which ensures secure transactions.
- SBI Credit cardholders can use their credit card to withdraw cash from over 1 million ATMs over the world.
- SBI Credit cards are accepted all over the world and is recognized at over million partner establishments across the globe.
- Cardholders have the option to convert all the purchases into EMIs and with the Easy Bill facility, customers can easily pay their utility bills online.
Apply for SBI Credit Card
One of the most reputed banks in India, the State Bank of India or SBI also offers a variety of credit cards. These credit cards come loaded with features and benefits for the cardholders. Individuals can apply for an SBI credit card through a number of methods.
Apply for SBI Credit Cards Online
Applicants can apply for an SBI credit card by visiting the official website, www.sbicard.com or through financial websites such as Bankbazaar.com.
Apply Through SBI Website
Applicants can visit the official website of SBI credit cards, www.sbicards.com, and click on ‘Apply’ which is on the top right hand side of the page. Under the ‘Apply’ tab, the applicant will have to choose from the following options:
- Help Me Find a Card
- Track My Application
- Retrieve My Application
The ‘Help Me Find a Card’ will lead the applicant to a list of 16 credit cards that they can choose from. Applicant can choose from these cards after considering their minimum annual income and the reward points that a particular credit cards has to offer to them. Once the suitable credit card is chosen, the applicant needs to select the ‘Apply Now’ option that will direct them to a new page. On the new page, the applicant has to fill in the following details:
- Name
- City
- Occupation
- Date of Birth
- Qualification
- Annual Income
- PAN Number
- Email id
- Mobile Number
- OTP (That will sent to the applicant’s registered mobile number)
Once the details are filled in, the bank will check whether the candidate is eligible to avail the credit card that they have applied for. Based on the eligibility of the customer, they may or may not receive the credit card.
SBI Credit Cards Eligibility and Documentation
SBI Credit Cards Eligibility Criteria
- The applicant should be an Indian resident and above 18 years of age.
- The applicant should have a good CIBIL score. (Optional)
The income criteria varies depending on the card. Also, different cards has special criteria based on the usage. Do enquire with SBI about the eligibility criteria for the selected card before proceeding with the application.
SBI Credit Cards Documents Required
The following documents should be submitted while applying for a credit card from SBI.
- PAN Card
- One identity proof which can be any of passport, voter ID, license or UID Aadhar Card.
Value Added Service on SBI Credit Cards
- Balance Transfer at Low Interest rates:Using this facility, you can transfer the balances from your other high-rate credit cards to your SBI Card and pay the balance at low interest rates as offered by SBI.
- Balance Transfer on EMI:SBI allows you to convert the outstanding balances in your card to easy instalments.
- Flexipay:Through this feature, you can convert your costly purchases to EMIs at flexible tenures and low interest rates.
- EasyMoney:To order a bank draft anytime you wish, call the SBI Card Helpline. The amount will be directly drafted to your SBI Card using which you can pay your bills, fees and taxes without any hassles.
- E-Statements:SBI Cardholders will get their credit card statement directly to their inbox. This will save any troubles due to postal delays and lost statements. Also, cardholders can view and monitor the E-Statements 24/7.
- Encash Facility:Cardholders have access to instant cash with “Encash – Money on Call”. What more, this is pre-approved and requires no documentation. The cheque for cash will be delivered within 3 working days.
- SBI Credit Card Insurance:With the unique and comprehensive Card Protection Plan (CPP) provided by SBI, customers are safeguarded against card loss, theft and any card related fraud.
SBI Premium Cards
- SBI Signature Card
- SBI Advantage Platinum Card
- SBI Advantage Signature Card
- SBI Card
- SBI Platinum Card
SBI Signature Card
Benefits of SBI Signature Card:
- Welcome Gifts and voucher
- 2 Reward points for every Rs.100 spent
- Bonus Reward Points
- Signature Concierge and access to premium Lounges
Features of SBI Signature Card:
- Worldwide recognition and acceptance
- Easy Bill Pay for utility bill payments
- Flexipay to convert huge spends to EMIs
- Balance transfer at low interest rates
Fees and Charges of SBI Signature Card:
- Joining fee (one-time) and annual fee of Rs.4999
- Interest free credit period of 20 to 50 days
- Cash advance limit of up to 80% of credit limit
SBI Advantage Platinum Card
Benefits of SBI Advantage Platinum Card
- Earn rewards on dining, departmental stores and international spends
- Welcome gifts and anniversary gifts worth Rs.3000 each
- Access to lounges across airports in 300 cities
Features of SBI Advantage Platinum Card
- Credit free period of up to 50 days
- Ready cash withdrawal facility at over 1 million ATMs across the globe
- E-Statements and SMS alerts for convenience
- Fuel surcharge waiver of 2.5%
Fees and Charges of SBI Advantage Platinum Card
- One-time joining fee of Rs.2999
- Annual Fee of Rs.2999 per annum
- 20 to 50 days of interest free credit period
- Cash advance limit of up to 80% of credit limit
SBI Advantage Signature Card
Benefits of SBI Advantage Signature Card
- Gift vouchers and air fare waiver as welcome gifts
- Options to redeem rewards against different categories
- Fraud liability cover worth Rs.1,00,000
Features of SBI Advantage Signature Card
- Cash access facility at over 18,000 ATMs worldwide
- Utility Bill payment facility at zero extra charge
- Option to convert purchases to EMIs
- Online portal for easy transactions management
Fees and Charges of SBI Advantage Signature Card
- One-time joining fee of Rs.4999
- Annual fee of Rs.4999 per membership year
- Interest free credit period of 20-50 days
- Up to 80% of credit limit as cash advance
SBI Card
Benefits of SBI Card
- Wave the contactless card over a secure reader to use the card. Swiping is not required
- Get a gift voucher worth Rs. 5000
- Fraud liability cover worth Rs. 1,00,000
- Access to lounges across airports in 300 cities
Features of SBI Card
- No fuel surcharge on purchases ranging from Rs. 500/- to Rs. 4,000/-.
- Book railway tickets online through IRCTC website.
- Balance transfer facility is enabled
- You can convert your high-end purchases to monthly installments.
- Bill Pay facility enabled at no extra cost.
Fees and Charges of SBI Card
- Joining fee to be paid only once – Rs. 4,999
- Fee charged annually – Rs. 4,999
- Interest free credit period of 20-50 days
- Up to 80% of credit limit as cash advance
- Rewards redemption fee is Rs. 99.
- Rs. 100 charged as Cash OTC Fees.
SBI Platinum Card
Benefits of SBI Platinum Card
- Lifestyle benefits like reward points and special deals
- Access to over 200 Golf courses
- 10 cash points for every Rs.100 spent using the card
Features of SBI Platinum Card
- Fuel surcharge waiver of 2.5%
- Accepted in over 2 million partner establishments worldwide
- Emergency Card Replacement facility
Fees and Charges of SBI Platinum Card
- Joining fee of Rs.2999 to be paid one time
- Annual fee of Rs.2999 per annum
- Up to 50 days of interest free credit period
- Cash advance limit of up to 80% of the prescribed credit limit
SBI Travel & Shopping Cards
- Simply SAVE Advantage SBI Card
- SimplySAVE SBI Card
- Air India SBI Signature Card
- Yatra SBI Card
- Plus Advantage Card
- IRCTC SBI Platinum Card
- Air India SBI Platinum Card
- Fbb SBI STYLEUP Card
- SimplyClick SBI Credit Card
- IRCTC SBI Credit Card
- SimplyCLICK Advantage SBI Card
SimplySAVE Advantage SBI Card
Benefits of SimplySAVE Advantage SBI Card
- Up to 10x rewards on dining, grocery and movie spends
- Annual Fee reversal when Rs.75,000 is billed to the card
- 1 reward point for every Rs.100 spent
- 2.5% fuel surcharge waiver
Features of SimplySAVE Advantage SBI Card
- Credit free period of up to 50 days
- Low interest rate of 2.50% per month
- Add-on cards for family members
- Other attractive features like EMI option, utility bill payment and balance transfer facility
Fees and Charges of SimplySAVE Advantage SBI Card
- One-time joining fee of Rs.499
- Annual fee of Rs.499 per year
- Interest free credit period of 20 to 50 days
- Up to 80% of credit limit as cash advance
SimplySAVE SBI Card
Benefits of SimplySAVE SBI Card
- Customers can earn 10 Reward Points per every Rs.100 spent on Grocery, Dining, Departmental and Movie spends made through their SBI SimplySAVE credit card.
- On all other spends made through their credit card, cardholders can earn 1 Reward point for every Rs.100.
- Cardholders can avail a fuel surcharge waiver of 1% across all petrol pumps in the country if they spend between Rs.500 to Rs.3,000 through their SimplySAVE credit card.
- If customers spend more than Rs.2,000 through their SimplySAVE credit card within the first 60 days, they stand to receive 2,000 Bonus Reward points.
- If more than Rs.90,000 is charged annually to their SimplySAVE credit card, the annual fee will be reversed for customers from the second year of credit card subscription.
Features of SimplySAVE SBI Card
- For every Rs.100 spent using the SimplySAVE credit card, customers can earn 1 Reward Point. Through these points, outstanding balance on the credit card can be paid or these points can be redeemed against a whole list of gifts from the Rewards catalogue.
- On the first ATM cash withdrawal, cardholders will receive Rs.100 cashback, if done within a period of 30 days from receiving the card.
- This credit card is accepted across the world and can be used in more 24 million outlets across the world including more than 3,00,000 outlets in India.
- Cardholders can avail supplementary cards for their loved ones who are above the age of 18.
- Customers can withdraw cash from more than 1 million ATMs across the world that are affiliated to Visa or MasterCard.
- Cardholders have the added advantage of being able to pay their utility bills through the Easy Bill Pay facility.
- Through Flexipay, all transactions can be converted to economical monthly installments. In order to do so, policyholders will have to spend more than Rs.2,500 through their credit card and log in to the SBI credit card website to convert the amount to Flexipay.
- Cardholders can procure the Easy Money option via which a cheque or draft can be availed against their SimplySAVE credit card.
Fees and Charges of SimplySAVE SBI Card
- One-time annual fee of Rs.499
- Renewal fee of Rs.499 from second year.
- Add – on fee is Nil
- Cash advance of up to 80% of credit limit
- Free credit period is Nil
Air India SBI Signature Card
Benefits of Air India SBI Signature Card
- Welcome gift of 20,000 reward points
- Complimentary membership to Air India Frequent Flyer program
- Up to 1,00,000 bonus reward points on annual spend
- Card anniversary gift of up to 2,000 reward points each year
- Reward points can be converted to Air Miles.
- Complimentary International Luxury Lounge Access for over 600 airports
Features of Air India SBI Signature Card
- Flexipay option to convert costly spends to EMIs
- Balance transfer facility is provided at low interest rates
- Emergency card replacement assistance
Fees and Charges of Air India SBI Signature Card
- Annual Fee is up to Rs.4,999
- No additional add-on fee
- Cash advance limit of up to 80% the credit limit
- 20 to 50 days of interest free credit period
Yatra SBI Card
Benefits of Yatra SBI Card
- Get a welcome gift of Rs.8,250 worth Yatra.com vouchers after paying the joining fees.
- Get up to 6X rewards points for bookings done on Yatra.com, grocery and departmental stores.
- Also, get up to 6X bonus rewards points on base tariffs and base fares for bookings on Yatra.com.
- Earn 1 rewards point for every Rs 100 spent at retail outlets across India.
- Also, get a discount voucher of Rs 500 for bookings done on Yatra.com for an amount of Rs 30,000.
Features of Yatra SBI Card
- Add-on cards for family members
- Easy money draft facility where the draft money will be billed directly to your card
- Extended credit option to make outstanding payments easily
- Other benefits include EMI facility, balance transfer and utility bill payments
Fees and Charges of Yatra SBI Card
- One-time joining fee of up to Rs.499
- Annual fee of up to Rs.499
- Interest free credit period of 20 to 50 days
- Cash advance limit of up to 80% of credit limit
Plus Advantage Card
Benefits of Plus Advantage Card
- 1 cash point for every Rs.100 spent
- Get up to 2.5% value back on departmental and grocery spends
- 10X rewards on international spends
- Option to convert purchases to EMI
Features of Plus Advantage Card
- Credit facility with interest rates as low as 2.5% per month
- Ready Cash at over 1 million VISA and MasterCard ATMs
- Education loan customers above 18 are directly eligible for primary card
- Balance transfer facility
Fees and Charges of Plus Advantage Card
- No one-time joining fee is charged for this card
- Annual fee of Rs.500 is applicable from the second year on if the purchases made using the card is less than Rs.35,000 the previous year
- Up to 80% of credit limit as cash advance
IRCTC SBI Platinum Card
Benefits of IRCTC SBI Platinum Credit Card
- This international co-branded card will fetch you 10% value back on AC ticket fares
- 3X Reward Points for every Rs.125 spent at departmental and grocery stores
- 1.8% transaction charges waiver for tickets booked using IRCTC Online portal
- Complimentary personal rail accident insurance cover
Features of IRCTC SBI Platinum Card
- 0% surcharge on fuel purchases for amounts between Rs.500 to Rs.3000
- Utility bill payments facility to pay the bills online
- Access to with draw cash from over 1.2 million ATMs
Fees and Charges of IRCTC SBI Platinum Card
- One-time joining fee of Rs.500
- Annual fee of Rs.300 per annum
- Up to 50 days of interest free credit period
- Cash advance limit of up to 80% of the credit limit
Air India SBI Platinum Card
Benefits of Air India SBI Platinum Card
- 5000 reward points as a welcome benefit
- 2000 reward points at every card anniversary date
- Up to 20,000 reward points on annual expenditures
- Complimentary Priority Pass to over 600 International Airport Luxury Lounges
- Free complimentary membership to Air India Frequent Flyer Lounge
Features of Air India SBI Platinum Card
- Access the credit card account online to track spends and rewards from the comfort of your home
- Option to make utility bill payments at zero extra cost
- Option to convert costly purchases to easy monthly instalments
- Global acceptance and recognition
Fees and Charges of Air India SBI Platinum Card
- Annual fee of up to Rs.1499
- Interest free credit period of 20 to 50 days
- Up to 80% of credit limit as cash advance
Fbb SBI STYLEUP Card
Benefits of Fbb SBI STYLEUP Card
- 10% flat discount round the year on Fbb merchandise and Big Bazaar spends
- Earn 10X reward points on BigBazaar and Fbb spends
Features of Fbb SBI STYLEUP Card
- Add-on cards for all family members
- Utility Bill Payment facility at no extra cost
- Flexipay option to convert purchases to EMI
Fees and Charges of Fbb SBI STYLEUP Card
- One-time joining fee of Rs.499 plus GST
- Renewal fee of Rs.499 plus GST
- 20 to 50 days of interest free credit period
- Cash advance limit of up to 80% of credit limit
SimplyClick SBI Credit Card
Benefits of Simply Click SBI Credit Card
- Get a welcome gift voucher from Amazon worth Rs.500
- By shopping at partner outlets like Cleartrip, Amazon, Lenskart, Foodpanda, etc., earn 10 times more reward points
- Get e-vouchers worth Rs. 2,000 for annual spends online worth Rs.1 Lakh and Rs.2 Lakhs
- Get 2.5% fuel surcharge waiver
Features of SimplyClick SBI Credit Card
- Share your credit limit with your loved ones with add-on cards.
- Utility Bill Payment Feature is enabled.
- Flexipay installment plan is also enabled on this card.
- With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.
Fees and Charges of SimplyClick SBI Credit Card
- Joining fee is Rs. 499
- Annual fee – 499
- 20 to 50 days of interest free credit period
- Cash advance limit of up to 80% of credit limit
- Statement retrieval charges – Rs. 100 for each statement
IRCTC SBI Credit Card
Benefits of IRCTC SBI Credit Card
- Get 350 reward points upon activation of your card
- Purchase railway tickets online through IRCTC and get 10% cashback
- For every Rs. 125 spent on retail purchases get one reward point.
- Reward points can be redeemed against a railway ticket purchase made through the IRCTC website.
- Get 1.8% waiver on transaction charges levied on online railway ticket booking.
Features of IRCTC SBI Credit Card
- Share your credit limit with your loved ones with add-on cards.
- Utility Bill Payment Feature is enabled.
- Flexipay installment plan is also enabled on this card.
- With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.
Fees and Charges of IRCTC SBI Credit Card
- One-time payment to be made as joining fees is Rs. 500
- Annual Fee from the second year onwards is Rs. 300.
- Avail an add-on card free of cost.
- 20 to 50 days of interest free credit period
- Cash advance limit of up to 80% of credit limit
- Statement retrieval charges – Rs. 100 for each statement
SimplyCLICK Advantage SBI Card
Benefits of SimplyCLICK Advantage SBI Card
- Get a welcome gift voucher from Amazon worth Rs.500
- By shopping at partner outlets like Cleartrip, Amazon, Lenskart, Foodpanda, etc., earn 10 times more reward points
- Get e-vouchers worth Rs. 2,000 for annual spends online worth Rs.1 Lakh and Rs.2 Lakhs
Features of SimplyCLICK Advantage SBI Card
- Share your credit limit with your loved ones with add-on cards.
- Utility Bill Payment Feature is enabled.
- Flexipay installment plan is also enabled on this card.
- With the Easy Facility order a bank draft by placing a call to SBI customer helpline. This amount will be charged to your credit card account.
Fees and Charges of SimplyCLICK Advantage SBI Card
- Joining fee is Rs. 499
- Annual fee – Nil
- Add-on Fee- Nil
- 20 to 50 days of interest free credit period
- Cash advance limit of up to 80% of credit limit
- Statement retrieval charges – Rs. 100 for each statement
SBI Classic Cards
- SBI Gold Credit Card
- SBI Advantage Gold Card
- SBI Advantage Plus Card
SBI Gold Credit Card
Benefits of SBI Gold Credit Card
- Worldwide acceptance and recognition at over 24 million outlets
- Credit facility with extended credit option for flexibility of payments
- Cardholders can withdraw cash from over 1 million ATMs across the globe
Features SBI Gold Credit Card
- SBI Card customer helpline and 24 hour helpline
- Order a bank draft anytime through the Easy Money Facility
- Utility Bill Payments and EMI options for greater payment convenience
Fees and Charges SBI Gold Credit Card
- One-time joining fee of Rs.299
- Annual Fee of Rs.299
- Interest free credit period of up to 50 days
- Cash advance of up to 80% the credit limit
SBI Advantage Gold Card
Benefits of SBI Advantage Gold Card
- Recognized at over 3,25,000 outlets in India and 24 million merchants across the globe
- Flexibility to withdraw cash from over 1 million VISA and MasterCard ATMs across the globe
- Book your railway tickets online at IRCTC and get it delivered at the doorstep
Features of SBI Advantage Gold Card
- Credit facility with interest rates as low as 2.25% per month
- This card can be availed on the basis of a fixed deposit with SBI
- Other features include utility bill payments, balance transfer and EMI options for costly purchases
Fees and Charges of SBI Advantage Gold Card
- One-time joining fee of Rs.299
- Annual fee of Rs.299
- Up to 50 days of interest free credit period
- Cash advance of up to 80% of credit limit
SBI Advantage Plus Card
Benefits of SBI Advantage Plus Card
- Post issuance of the card, SBI will provide an encash facility to open Fixed Deposit in your name
- Credit limit keeps opening as you encash EMIs every month
- Credit limit of up to 85% the fixed deposit amount
- Low rate of interest at just 2.25% per month
Features of SBI Advantage Plus Card
- Add-on cards for family members
- Pay your electricity, insurance and telephone bills at no extra charges using utility bill payment facility
- Balance transfer at low interest rates
- Flexipay option to avail EMI facility for costly spends
Fees and Charges of SBI Advantage Plus Card
- One-time joining fee of Rs.500
- Annual fee of Rs.500
- Up to 50 days of interest free credit period
- Up to 80% of credit limit as cash advance
SBI Exclusive Cards
- Tata Cards
- Bank of Maharashtra SBI Platinum Card
- Oriental Bank of Commerce SBI Platinum Card
- Karur Vysya Bank SBI Platinum Card
- Karur Vysya Bank SBI Card
- BMB Platinum Credit Card
- Bank of Maharashtra SBI Card
- Oriental Bank of Commerce SBI Card
- SBI Maruti Card
- SBI Dena Bank Secured Card
- BMB Gold & More Credit Card
- SBI UBI Card
- Federal Bank SBI Platinum Credit Card
- Federal Bank SBI Credit Card
Tata Cards
Benefits of Tata Cards
- Comes with variants like
- Tata Platinum Card
- Tata Croma Platinum Card
- Tata Titanium Card
- Tata Croma Titanium Card
Features of Tata Cards
- Enjoy worldwide acceptance in over 24 million outlets across the globe
- Tata cards offers great flexibility of payment with extended credit option
- Other benefits include 0% fuel surcharge and cash on the go at any Visa/MasterCard ATMs around the world
Fees and Charges of Tata Cards
- Annual Fees for Tata Titanium Card and Tata Croma Titanium Card is Rs.499
- For Tata Platinum Card and Tata Croma Platinum Card, the annual fees is Rs.2999
SBI Corporate Cards
- SBI Platinum Corporate Card
- SBI Signature Corporate Card
- SBI Corporate Utility Card
SBI Platinum Corporate Card
Benefits of SBI Platinum Corporate Card
- Features to exercise control over expenses made by expenses made by employees.
- Monitor spending patterns better and increase control over spends
- Earn reward points, complimentary travel insurance and lounge access.
Features of SBI Platinum Corporate Card
- Control your company spends with VISA Intellilink Spend Management.
- Spend category control (SCC) to block certain merchant category codes
- Smarter Expense Management system to offer greater control over costs and to negotiate better with airlines and hotel chains
Fees and Charges of SBI Platinum Corporate Card
- No joining fee and annual fee
- Cash advance limit is variable.
- Up to 50 days of interest free credit period.
SBI Signature Corporate Card
Benefits of SBI Signature Corporate Card
- Helps you keep a close watch on employees spends, spending patterns and also forecast future spends.
- Smarter expense management with VISA Intellilink system
- Flexible interface for easy reporting and analysis
- Spend category control to block certain merchant category
Features of SBI Signature Corporate Card
- Global acceptance at over 24 million outlets across the globe
- Priority servicing through relationship managers who will assist the needs of your organization 24/7.
- Faster data processing to track your organization’s spending on a day-to-day basis
Fees and Charges of SBI Signature Corporate Card
- No joining fee is charged for this card.
- Annual fee of up to Rs.499 per annum
- Cash advance limit is variable
- Interest free credit period of up to 50 days
SBI Corporate Utility Card
Benefits of SBI Corporate Utility Card
- Smart expense management system to give you a greater control over company’s costs.
- Enhanced security against counterfeiting and skimming through EMV chips
- Other benefits include spend analysis, faster data processing and spend category control.
Features of SBI Corporate Utility Card
- Flexible reporting feature with a user friendly dashboard.
- Dedicated relationship managers to support your needs 24/7
- Global acceptance and recognition
- Option to make a single consolidated payment for all employees
Fees and Charges of SBI Corporate Utility Card
- No joining fee and annual fee is charged for this card.
- 15 to 32 days of interest free credit period