SBI (State Bank of India) offers a versatile range of credit cards designed to meet the needs of diverse customers. Whether you're a frequent traveler, a shopaholic, or someone who values cashback, SBI has a credit card tailored to your lifestyle.

This guide covers everything you need to know about SBI Credit Cards, including their features, rewards, annual fees, and a detailed comparison to help you select the right card.


SBI SimplyCLICK Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Amazon Gift Card Worth Rs. 500


SBI SimplySAVE UPI Rupay Credit Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Receive 2,000 Reward Points on the expenditure of the same amount within the first 60 days of card issuance.


BPCL SBI Octane Credit Card

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel | Fuel | Food

Reward Type

Reward Points

Welcome Benefits

6,000 Bonus Reward Points Worth ₹1,500


SBI Card PULSE

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership.


SBI Prime Credit Card

Joining Fee

Rs. 2,999 + GST

Renewal Fee

Rs. 2,999 + GST

Best Suited For

Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.


SBI ELITE Credit Card

Joining Fee

Rs. 4,999 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward

Welcome Benefits

E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.


IRCTC SBI RuPay Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

350 Reward Points on a Minimum Transaction of ₹500 Within 45 Days of Receiving the Card


Cashback SBI Credit Card

Joining Fee

Rs. 999 + GST

Renewal Fee

Rs. 999 + GST

Best Suited For

Shopping | Food

Reward Type

Cashback

Welcome Benefits

N/A


Etihad Guest SBI Premier Credit Card

Joining Fee

Rs. 4,999 + GST

Renewal Fee

Rs. 4,999 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

5,000 Etihad Guest Miles, 2 Free Wifi vouchers on first Etihad Airways booking, complimentary Etihad Guest Gold tier status post first card transaction,


IRCTC SBI Card Premier

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

1,500 Reward Points


SBI Tata Platinum Card

Joining Fee

Rs. 3,000 + GST

Renewal Fee

Rs. 3,000 + GST

Best Suited For

Shopping

Reward Type

Fuel Points

Welcome Benefits

You get exclusive shopping e-Gift vouchers worth Rs 3000 from any partner exclusive such as Yatra, Hush Puppies / Bata, Aditya Birla Fashion, Westside


Lifestyle Home Centre SBI Card

Joining Fee

Rs. 499 + GST

Renewal Fee

Rs. 499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

2,000 bonus reward points worth Rs. 500 on card activation and Rs. 100 cash back on your first ATM cash withdrawal within 30 days of card activation.


Max SBI Card SELECT

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Earn 6000 bonus reward points on paying annual fees.


Air India SBI Platinum Credit Card

Joining Fee

Rs. 1,499 + GST

Renewal Fee

Rs. 1,499 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

5,000 reward points after paying the joining fee (credited within 15 days from the date of payment)


Delhi Metro SBI Credit Card

Joining Fee

Rs. 500 + GST

Renewal Fee

Rs. 500 + GST

Best Suited For

Travel

Reward Type

Reward Points

Welcome Benefits

2000 Reward Points on spending Rs 2000 within the first 60 days of the card issuance. Moreover, you get free metro cash of Rs 50 on your Delhi Metro Smart card


SBI Card

Joining Fee

Rs 499+GST

Renewal Fee

Rs 499+GST/ Year

Best Suited For

Movies | Travel | Shopping

Reward Type

Reward Points

Welcome Benefits

Earn 1 RP/ Rs 100 on all spends


Why Choose SBI Credit Cards?

  • Wide Range of Benefits: SBI Credit Cards offer features like travel rewards, cashback, dining discounts, and fuel surcharge waivers.
  • Global Acceptance: Accepted at millions of merchant outlets worldwide.
  • Flexible Payment Options: Easy EMI conversions and balance transfer facilities.

 

SBI Credit Card Comparison Table

Card NameBest ForKey BenefitsReward RateAnnual Fee
SBI Elite Credit CardPremium LifestyleFree movie tickets, lounge access, reward points2 Reward Points per INR 100 spentINR 4,999
SBI SimplyCLICK CardOnline ShoppingExtra rewards on Amazon, Flipkart, and more10 Reward Points per INR 100 onlineINR 499
SBI SimplySAVE CardEveryday SpendsHigh rewards on dining, groceries, and more1 Reward Point per INR 100 spentINR 499
SBI Prime Credit CardAll-Round BenefitsLounge access, milestone rewards, dining offers2 Reward Points per INR 100 spentINR 2,999
BPCL SBI CardFuel Savings4.25% savings on fuel transactions13X Reward Points on fuel at BPCLINR 499

 

Rewards Comparison Chart

Card NameReward RateHow to Redeem
SBI Elite Credit Card2X Reward Points on all spendsRedeem for travel, shopping vouchers
SBI SimplyCLICK Card10X Reward Points on partner websitesConvert to gift vouchers
SBI SimplySAVE Card4X Reward Points on groceries and diningRedeem for cashback or vouchers
SBI Prime Credit Card5X Reward Points on dining and departmental spendsRedeem for travel, merchandise, and more
BPCL SBI Card13X Reward Points on fuel purchases at BPCLAdjust points for fuel purchases

 

Annual Fees and Charges

Fee TypeDetails
Annual FeeINR 499 to INR 4,999 depending on the card
Late Payment FeeINR 0 to INR 1,300 based on outstanding balance
Foreign Transaction Fee3.5% on all international transactions
Cash Advance Fee2.5% of the withdrawn amount (min INR 500)
Interest RateUp to 3.5% per month (42% per annum)

 

How to Apply for an SBI Credit Card?

  1. Visit the official SBI Card website.
  2. Choose the card that suits your requirements.
  3. Fill out the application form with your details.
  4. Upload the required documents (e.g., ID proof, income proof).
  5. Submit the application and track its status online.

 

Final Thoughts

SBI Credit Cards are an excellent choice for anyone looking to enjoy exclusive benefits and rewards. From premium lifestyle cards to fuel-saving options, SBI caters to every segment of customers. Compare the cards above to find the perfect match for your lifestyle and start enjoying the perks today!

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