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State Bank of India Credit Cards

State Bank of India (SBI) is a prominent banking institution in India, known for its extensive range of financial products and services, including a diverse array of credit cards. SBI credit cards are tailored to cater to various consumer needs, offering benefits across multiple categories such as travel, shopping, fuel, and dining. The worthiness of SBI credit cards can be attributed to their comprehensive rewards programs, competitive interest rates, and the bank's nationwide acceptance and customer service.

South Indian Bank SBI Platinum Credit Card

Reward System: Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

South Indian Bank SBI Platinum Credit Card

Welcome Benefit: Get voucher worth INR 3,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Westside, Shoppers Stop and Yatra.com

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Yatra SBI Card

Reward System: Get 6 reward points on every INR 100 spend on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month) and international spends (Up to 5000 reward points per month). Value of 1 reward point = INR0.25. Cashback percentage: 1.5%. 1 reward point on every INR 100 spent on all other categories. General cashback rate: 0.25%.

Yatra SBI Card

Welcome Benefit: Get Yatra.com vouchers worth INR 8,250 for free.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

BPCL SBI Card Octane

Reward System: Get 25 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month). Get 10 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 2.5% (Capped at 7500 reward points per month). Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%

BPCL SBI Card Octane

Welcome Benefit: Get 6000 bonus reward points worth INR 1500 on payment of annual fees.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Reliance SBI Card

Reward System: 5 point on spend of every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25. Effective Reliance Retail store cashback rate: 1.25%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment, domestic airlines and international spends. Effective dining/entertainment cashback rate: 1.25%. Get 1 points on all other retail spends. Effective general cashback rate: 0.25%.

Reliance SBI Card

Welecome Benefit: Get Reliance Retail voucher worth INR 500 as welcome benefit.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Etihad Guest SBI Premier Card

Reward System: Get 6 Etihad guest miles on every INR 100 spent on Etihad.com. Get 4 Etihad guest miles on every INR 100 spent on International spends. Get 2 Etihad guest mile on every INR 100 spent on other spend. 

Etihad Guest SBI Premier Card

Welcome Benefit: Get 5000 Etihad guest miles and Etihad guest gold tier status.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

PSB SimplySAVE SBI Card

Reward System: 10 point on spend of every INR 150 on dining, movies, departmental stores and grocery spends. Value of 1 point = INR 0.25. Effective cashback rate: 1.6%. Get 1 reward points on all other  spends per INR 150. Effective general cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.16%

PSB SimplySAVE SBI Card

Welecome Benefit: Spend INR 2,000 or more in first sixty days and get 2,000 reward points

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Air India SBI Signature Card

Reward System: Earn upto 30 Reward Points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (30 reward points when booked for self and 10 reward points when booked for others). Value of 1 reward point = INR 0.25. Point can also be converted into air miles. 1 point = 1 air mile. Air miles can be redeemed for air tickets. Air India travel cashback rate: 7.5%. Get 4 reward points for every INR 100 spent on all other spends. General cashback rate: INR 1%.

Air India SBI Signature Card

Welcome Benefit: Get 20,000 reward points as a welcome gift on the payment of your joining fee. Also get free membership to the Air India Frequent Flyer Program - Flying Returns.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Spar SBI Card Prime

Reward System: 15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.

Spar SBI Card Prime

Welecome Benefit: Get 12,000 rewards points equivelant to INR 3,000 on payment of annual fee. 

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

KVB SBI Signature Card

Reward System: Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

KVB SBI Signature Card

Welcome Benefit: Get voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Westside, Shoppers Stop and Yatra.com

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

Karnataka Bank SBI Card Prime

  • Earn Two Rewards Point for every ₹100 spent except for spends at Fuel, Insurance, Utilities and Cash Transactions. (Each point will worth ₹0.25). 

  • Points Redeemable against Cash / Catalogue. 

  • Effective cashback rate= 2%.

Karnataka Bank SBI Card Prime
₹3,000 worth vouchers on realization of joining fee of ₹2999 from any one of our partners.

Welcome Benefits

resident of India.
minimum age of 21 years.
minimum annual income of Rs. 3 lakhs.
must have a good credit history.

Eligibility

UCO Bank SBI Card Elite

Reward System: Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 

UCO Bank SBI Card Elite

Welcome Benefit: Welcome gift Voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.

Welcome Benefits

Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.

Eligibility

Shaurya SBI Card

Reward System: Get 5 point on spend of every INR 100 on CSD, dining, movies, departmental stores and grocery. Value of 1 point = INR 0.25. Effective cashback rate: 1.25%. Get 1 reward points on all other spends per INR 100. Effective general cashback rate: 0.25%. 

Shaurya SBI Card

Welcome Benefit: Get 1000 reward points as welcome benefit.

Welcome Benefits

Age: You must be minimum 21 and maximum 70 years old.
Occupation: You must be employed with the army, navy, airforce, or coastguard.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.

Eligibility

   Top 5 Credit Cards Of State Bank of India

  • Joining Fees and Annual Fees:  INR 499+GST.

  • Interest Rate: 3.50% per month (42% per annum)

  • Welcome Benefit: Get 6000 bonus reward points worth INR 1500 on payment of annual fees.

  • Special Feature: Get 25 points on spending every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants.

With this Card, You can save up to 25% on fuel purchases at BPCL outlets across India. You get 6.25% value back as 25X reward points on fuel purchases, 4.25% surcharge waiver, and 0.75% cashback as per government guidelines. The maximum value back per month is Rs. 500. You can also earn reward points on all your spending with the BPCL SBI Card Octane. You get 25X reward points on fuel purchases at BPCL outlets, 10X reward points on dining, movies, groceries, and departmental stores, and 1X reward point on all other spending. You can redeem your reward points for fuel purchases at BPCL outlets or for gift vouchers from various brands

BPCL SBI Card Octane

ICICI Platinum Chip Credit Card

SBI SimplySAVE Credit Card

  • Joining/Annual Fees: INR 499.

  • Interest Rate:  3.50% per month (42% per annum). 

  • Welcome Benefit: Get Rs. 100 cash back on your first ATM cash withdrawal, if done within 30 days of receiving your card.

  • Special Feature: 10 point on spend of every INR 100 on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra.

The SBI SimplySAVE Credit Card is a financial product designed to offer value and savings on everyday purchases. With an annual fee of Rs. 499, which can be reversed upon spending Rs. 1,00,000 in a year, this card is particularly appealing for its reward points system. Cardholders can earn 10x reward points per Rs. 150 spent on dining, movies, departmental stores, and grocery spends, and 1 reward point per Rs. 150 on all other spends. Additionally, there is a welcome offer of 2,000 bonus reward points when spending Rs. 2,000 within the first 60 days of card issuance. The card also provides a 1% fuel surcharge waiver for transactions between Rs. 500 to Rs. 3,000 at any petrol pump in India, with a maximum waiver of Rs. 100 per statement cycle. These features make the SBI SimplySAVE Credit Card a suitable option for those who want to maximize their savings on frequent expenditures.

ICICI Amazon Pay Credit Card

SBI Yatra Credit Card

  • Annual Fee (one time): INR 499 + Taxes.

  • Interest Rate: 3.50% per month (42% per annum).

  • Welcome Benefit: Get Yatra.com vouchers worth INR 8,250 for free.

  • Special Feature: INR 1,000 off on all domestic flight bookings. Applicable on minimum transaction of INR 5,000. INR 4,000 off on all international flight bookings. Applicable on minimum transaction of INR 40,000. 20% off on domestic hotels.

For middle-class people who like to travel but don't want to go over their budget, the SBI Yatra Credit Card is a great option because it comes with a number of bonuses. It is an affordable alternative for many, with an annual charge of Rs. 499 that can be waived on spending over Rs. 100,000 annually. Yatra.com welcome coupons of Rs. 8,250 are given to cardholders, and they can be used to make a variety of travel arrangements. Subject to minimum transaction values, the card also offers savings on reservations for flights and hotels, including up to Rs. 1,000 off domestic travel and 20% off domestic hotel stays. In addition, the card offers free air accident coverage up to Rs. 50 lakhs, which gives travelers peace of mind.

ICICI HPCL Super Saver Credit Card

SBI Cashback Credit Card

MakeMyTrip ICICI Bank Signature Credit Card
  • Annual Fee (one time): INR 999 + Taxes.

  • Interest Rate: 3.50% per month (42% per annum)

  • Welcome Benefit: None.

  • Special Feature: 5 percent cashback on online spending without any kind of merchant restriction (maximum cashback of INR 5,000 per month).

The SBI Cashback Credit Card offers a range of benefits tailored to fit the financial habits and needs of the middle class. With a flat 5% cashback on online spends and 1% on offline spends, cardholders can enjoy savings on a variety of purchases. The card's cashback feature is particularly beneficial for those who frequently shop online, providing significant returns without merchant restrictions. Additionally, the card offers a 1% fuel surcharge waiver across all petrol pumps in India, which can lead to substantial savings for regular commuters. The renewal fee of Rs. 999 can be reversed with annual spends of Rs. 2 lakh, encouraging responsible spending and budget management.

Reliance SBI Credit Card

ICICI Coral Credit Card
  • Annual Fee (one time): INR. 499 + Taxes

  • Interest Rate: 3.50% per month (42% per annum)

  • Welcome Benefit: Get a Reliance Retail voucher worth INR 500 as a welcome benefit.

  • Special Feature: 5 points on spend of every INR 100 on Reliance Retail stores.

The Reliance SBI Credit Card offers a variety of benefits that can be particularly advantageous for middle-class individuals. With an initial joining fee and an annual renewal fee of Rs. 499 plus taxes, cardholders can receive a Reliance Retail Voucher worth Rs. 500 upon payment of the joining fee. This effectively negates the cost of the card for the first year. Additionally, the card provides milestone benefits such as a waiver of the renewal fee on annual spends of Rs. 1 lakh in the previous year, and reward points for purchases at participating Reliance Retail Stores. For every Rs. 100 spent, 5 reward points are earned, which can accumulate and translate into significant savings over time.

Welcome Benefits

  • SBI Titan Credit Card: Welcome gift Voucher worth INR 3,000 from payment of an annual fee.

  • City Union Bank SBI Card Prime: Gift voucher worth INR 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

  • Central Bank of India SBI Card Elite:  Welcome gift Voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.

  • Central Bank of India SBI Card Prime: Gift voucher worth INR 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

  • UCO Bank SBI Card Prime: Gift voucher worth INR 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

  • UCO Bank SBI Card Elite: Welcome gift Voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.

  • PSB SBI Card Prime: Gift voucher worth INR 3,000 from one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

  • PSB SBI Card Elite: Welcome gift Voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.

  • Air India SBI Signature Card: Get 20,000 reward points as a welcome gift on the payment of your joining fee. Also get free membership to the Air India Frequent Flyer Program - Flying Returns.

  • Air India SBI Platinum Card: Get 5,000 reward points as a welcome gift on the payment of your joining fee. Also get free membership to the Air India Frequent Flyer Program - Flying Returns.

  • Yatra SBI Card: Get Yatra.com vouchers worth INR 8,250 for free.

  • Club Vistara SBI Card: Get 1 economy ticket as an free git voucher on payment of annual / renewal fee.

  • Club Vistara SBI Card Prime: Get 1 premium economy ticket as an free git voucher on payment of annual / renewal fee.

  • Etihad Guest SBI Premier Card: Get 5000 Etihad guest miles and Etihad guest gold tier status.

  • Etihad Guest SBI Card: Get 2500 Etihad guest miles and Etihad guest silver tier status.

  • IRCTC SBI Card (on RuPay platform):  Get 350 activation bonus reward points on single transaction of INR 500 or more within 45 days of card issuance.

  • IRCTC SBI Platinum Card: Get 350 activation bonus reward points on single transaction of INR 500 or more within 45 days of card issuance.

  • IRCTC SBI Card Premier: Get 1500 bonus reward points worth INR 1500 on payment of annual fees.

  • BPCL SBI Card: Get 2000 bonus reward points worth INR 500 on payment of annual fees.

  • BPCL SBI Card Octane: Get 6000 bonus reward points worth INR 1500 on payment of annual fees.

  • Shaurya Select SBI Card: None.

  • Shaurya SBI Card: Get 1000 reward points as welcome benefit.

  • SBI Card Unnati: None.

  • SimplySave Advantage SBI Card: Spend INR 2,000 or more in first sixty days and get 2,000 reward points.

  • SimplyClick Advantage SBI Card: Get an Amazon voucher worth INR 500 on paying an annual fee.

  • SimplySave SBI Card: Spend INR 2,000 or more in first sixty days and get 2,000 reward points.  

  • SimplyClick SBI Card: Get an Amazon voucher worth INR 500 on paying an annual fee.

  • Spar SBI Card: Get 2,000 reward points equivelant to INR 500 on payment of annual fee. 

  • Max SBI Card: Get 2,000 rewards points equivelant to INR 500 on payment of annual fee. 

  • Lifestyle Home Centre SBI Card ​​: Get 2,000 rewards points equivelant to INR 500 on payment of annual fee. 

  • Spar SBI Card Select: Get 12,000 reward points equivalent to INR 3,000 on payment of annual fee.

  • Max SBI Card Select: Get 12,000 reward points equivalent to INR 3,000 on payment of annual fee. 

  • Lifestyle Home Centre SBI Card Select: Get 12,000 reward points equivalent to INR 3,000 on payment of annual fee. 

  • Spar SBI Card Prime: Get 12,000 reward points equivalent to INR 3,000 on payment of annual fee. 

  • Max SBI Card Prime: Get 12,000 rewards points equivalent to INR 3,000 on payment of annual fee. 

  • Lifestyle Home Centre SBI Card PRIME: Get 12,000 rewards points equivelant to INR 3,000 on payment of annual fee.

  • FabIndia SBI Card: Get Fabindia voucher worth INR 750 as welcome benefit. Free access to Gold Tier Fabfamily membership.

  • FabIndia SBI Card Select: Get Fabindia voucher worth INR 1,500 as welcome benefit. Free access to Platinum Tier Fabfamily membership.

  • Reliance SBI Card: Get Reliance Retail voucher worth INR 500 as welcome benefit.

  • Reliance SBI Card Prime: Get Reliance Retail voucher worth INR 3,000 as welcome benefit.

  • Paytm SBI Card: Free Paytm First membership.

  • Paytm SBI Card SELECT: Enjoy complimentary Paytm First Membership. Get INR 750 as cashback in your Paytm wallet.

  • Aditya Birla SBI Card Select: Get 6000 reward points worth INR 1500 on payment of annual fees.

  • Aditya Birla SBI Card: Get 2000 reward points worth INR 500 on payment of annual fees.

  • Apollo SBI Card: Get 500 reward points worth INR 500 on payment of the joining fee.

  • Ola Money SBI Card: None.

  • SBI Card Prime: Gift voucher worth INR 3,000 from  one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com.

  • SBI Cashback Card: None.

  • Doctor's SBI Card: Get an e-Gift Voucher worth Rs. 1,500 from Yatra.com.

  • Doctor's SBI Card (In Association With IMA): Get an e-Gift Voucher worth Rs. 1,500 from Yatra.com.

  • SBI Card Elite: Get an e- Gift Voucher worth Rs. 5,000 which can be redeemed for various brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop. 

  • SBI PULSE Credit Card: Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of joining fee. 

  • SBI Card Prime Advantage: Gift voucher worth INR 3,000 from  one of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com.

Credit Card
Annual and Joining Fees
SBI Card Prime Advantage
Annual Fee (one time): INR 2,499 + Taxes Renewal Fee (per annum): INR 2,499 + Taxes.
SBI PULSE Credit Card
 Annual Fee (one time): Rs. 1,499 + Taxes  Renewal Fee (per annum): Rs. 1,499 + Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
SBI Card Elite
 Annual Fee (one time): Rs. 4,499 + Taxes  Renewal Fee (per annum): Rs. 4,499 + Taxes from second year onwards. Renewal Fee reversed if annual spends for last year >= Rs. 2,00,000.
Doctor's SBI Card (In Association With IMA)
 Annual Fee (one time): INR 1,499 + Taxes  Renewal Fee (per annum): INR 4,499 + Taxes from second year onwards. 
Doctor's SBI Card
 Annual Fee (one time): INR 1,499 + Taxes  Renewal Fee (per annum): INR 4,499 + Taxes from second year onwards. 
SBI Cashback Card
 Annual Fee (one time): INR 999 + Taxes  Renewal Fee (per annum): INR 999 + Taxes from second year onwards. 
SBI Card Prime
 Annual Fee (one time): INR 2,499 + Taxes  Renewal Fee (per annum): INR 2,499 + Taxes.
Ola Money SBI Card
 Annual Fee (one time): INR 0  Renewal Fee (per annum): INR 499 + Taxes from second year onwards. 
Apollo SBI Card
 Annual Fee (one time): INR. 499 + Taxes  Renewal Fee (per annum): INR 499 + Taxes.
Aditya Birla SBI Card
 Annual Fee (one time): INR. 499 + Taxes  Renewal Fee (per annum): INR 499 + Taxes.
Aditya Birla SBI Card Select
 Annual Fee (one time): INR 1499 + Taxes  Renewal Fee (per annum): INR 1499 + Taxes.
Paytm SBI Card SELECT
 Annual Fee (one time): INR. 1,499 + Taxes  Renewal Fee (per annum): INR 1,499 + Taxes.
Paytm SBI Card
 Annual Fee (one time): INR 499 + Taxes  Renewal Fee (per annum): INR 499 + Taxes.
Reliance SBI Card Prime
 Annual Fee (one time): INR. 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.
Reliance SBI Card
 Annual Fee (one time): INR. 499 + Taxes  Renewal Fee (per annum): INR 499 + Taxes.
FabIndia SBI Card Select
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
FabIndia SBI Card
 Annual Fee (one time): INR. 1,499 + Taxes.  Renewal Fee (per annum): INR 1,499 + Taxes.
Lifestyle Home Centre SBI Card PRIME
 Annual Fee (one time): INR 2999 + Taxes.  Renewal Fee (per annum): INR 2999 + Taxes.
Max SBI Card Prime
 Annual Fee (one time): INR 2999 + Taxes.  Renewal Fee (per annum): INR 2999 + Taxes.
Spar SBI Card Prime
 Annual Fee (one time): INR 2999 + Taxes.  Renewal Fee (per annum): INR 2999 + Taxes.
Lifestyle Home Centre SBI Card Select
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Max SBI Card Select
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Spar SBI Card Select
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Lifestyle Home Centre SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
Max SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
Spar SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
SimplyClick SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
SimplySave SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
SimplyClick Advantage SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
SimplySave Advantage SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
SBI Card Unnati
 Annual Fee (one time): INR 0 + Taxes.  Renewal Fee 5th year onwards (per annum): INR 499 + Taxes.
Shaurya SBI Card
 Annual Fee (one time): INR 250 + Taxes.  Renewal Fee (per annum): INR 250 + Taxes.
Shaurya Select SBI Card
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
BPCL SBI Card Octane
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
BPCL SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
IRCTC SBI Card Premier
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
IRCTC SBI Platinum Card
 Annual Fee (one time): INR 500 + Taxes.  Renewal Fee (per annum): INR 500 + Taxes.
IRCTC SBI Card (on RuPay platform)
 Annual Fee (one time): INR 500 + Taxes.  Renewal Fee (per annum): INR 500 + Taxes.
Etihad Guest SBI Card
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Etihad Guest SBI Premier Card
 Annual Fee (one time): INR 4999 + Taxes.  Renewal Fee (per annum): INR 4999 + Taxes.
Club Vistara SBI Card Prime
 Annual Fee (one time): INR 2999 + Taxes.  Renewal Fee (per annum): INR 2999 + Taxes.
Club Vistara SBI Card
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Yatra SBI Card
 Annual Fee (one time): INR 499 + Taxes.  Renewal Fee (per annum): INR 499 + Taxes.
Air India SBI Platinum Card
 Annual Fee (one time): INR 1499 + Taxes.  Renewal Fee (per annum): INR 1499 + Taxes.
Air India SBI Signature Card
 Annual Fee (one time): INR 4,999 + Taxes.  Renewal Fee (per annum): INR 4,999 + Taxes.
PSB SBI Card Elite
 Annual Fee (one time): INR 4,999 + Taxes  Renewal Fee (per annum): INR 4,999 + Taxes.
PSB SBI Card Prime
 Annual Fee (one time): INR 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.
UCO Bank SBI Card Elite
 Annual Fee (one time): INR 4,999 + Taxes  Renewal Fee (per annum): INR 4,999 + Taxes.
UCO Bank SBI Card Prime
 Annual Fee (one time): INR 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.
Central Bank of India SBI Card Prime
 Annual Fee (one time): INR 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.
Central Bank of India SBI Card Elite
 Annual Fee (one time): INR 4,999 + Taxes  Renewal Fee (per annum): INR 4,999 + Taxes.
City Union Bank SBI Card Prime
 Annual Fee (one time): INR 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.
SBI Titan Credit Card
 Annual Fee (one time): INR 2,999 + Taxes  Renewal Fee (per annum): INR 2,999 + Taxes.

Annual Fee

Credit Card
Reward System
SBI Card Prime Advantage
Reward System: Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. Enjoy 20 reward points per INR 100 spent on birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year).
SBI PULSE Credit Card
Enjoy 10 Reward Points per Rs.100 spent on Chemist, Pharmacy, Dining and Movies Earn 2 Reward Points per Rs.100 spent on all your other spends 4 Reward Points = Rs.1 Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts Effective Cashback Rate: 0.5%
SBI Card Elite
Get 5X reward points on dining, departmental stores and grocery spends. Value of 1 reward point = INR 0.25. Effective cashback rate: 1.25% Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective cashback rate: 0.5%.
Doctor's SBI Card (In Association With IMA)
Get 5X reward points on spends on medical supplies, travel bookings and international spends. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Get 1 point on all other spends. General cashback rate = 0.25%.
Doctor's SBI Card
Get 5X reward points on spends on medical supplies, travel bookings and international spends. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Get 1 point on all other spends. General cashback rate = 0.25%.
SBI Cashback Card
5 percent cashback on online spends without any kind of merchant restriction. 1 percent cashback on all offline spends.
SBI Card Prime
Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5% .  Enjoy 20 reward points per INR 100  spent on birthday (reward points on birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year).
Ola Money SBI Card
Get 3X Reward Points on every INR. 100 spent on all Apollo services. Value of 1 point = INR 1, Apollo Cashback Rate: 3%. Get 2X Reward Points on every Rs. 100 spent on Dining, movies & entertainment. Dining, movies, entertainment cashback rate: 2%. 1 Reward Point on every INR 100 spent on beauty & wellness services. .5 reward point on other retail spends. General cashback rate 0.5%.
Apollo SBI Card
Get 3X Reward Points on every INR. 100 spent on all Apollo services. Value of 1 point = INR 1, Apollo Cashback Rate: 3%. Get 2X Reward Points on every Rs. 100 spent on Dining, movies & entertainment. Dining, movies, entertainment cashback rate: 2%. 1 Reward Point on every INR 100 spent on beauty & wellness services. .5 reward point on other retail spends. General cashback rate 0.5%.
Aditya Birla SBI Card
Get 10 reward points per INR 100 spend on Aditya Birla Stores (Aditya Birla Fashion Online and Retail Stores: Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry, VI store). Value of 1 point = INR 0.25. Effective Aditya Birla Cashback Rate: 2.5%. Get 5 Reward Points per INR 100 spent on dining, entertainment & hotels. Effective dining/entertainment/hotel cashback rate: 1.25%. Get 1 reward point per INR 200 spent on other purchases. Effective general cashback rate: 0.125%.
Aditya Birla SBI Card Select
Get 20 reward points per INR 100 spend on Aditya Birla Stores (Aditya Birla Fashion Online and Retail Stores: Louis Philippe, Van Heusen, Allen Solly, Peter England, American Eagle, Forever 21, Pantaloons, The Collective, Simon Carter, Ralph Lauren, Hackett London, Ted Baker and Fred Perry, VI store). Value of 1 point = INR 0.25. Effective Aditya Birla Cashback Rate: 5%. Get 10 Reward Points per INR 100 spent on dining, entertainment & hotels. Effective dining/entertainment/hotel cashback rate: 2.5%. Get 1 reward point per INR 100 spent on other purchases. Effective general cashback rate: 0.25%.
Paytm SBI Card SELECT
5% Cashback on Paytm Mall, movies and travel. 2% cashback on all other purchases on paytm app. 1% cashback on any other spends across millions of offline and online stores.
Paytm SBI Card
3% cashback on Paytm Mall, movies and travel. 2% cashback on all other purchases on Paytm app. 1% cashback on any other spends across millions of offline and online stores. 
Reliance SBI Card Prime
10 point on spend of every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25. Effective Reliance Retail store cashback rate: 2.5%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment, domestic airlines and international spends. Effective dining/entertainment cashback rate: 1.25%. Get 2 points on all other retail spends. Effective general cashback rate: 0.5%.
Reliance SBI Card
5 point on spend of every INR 100 on Reliance Retail stores. Value of 1 point = INR 0.25. Effective Reliance Retail store cashback rate: 1.25%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment, domestic airlines and international spends. Effective dining/entertainment cashback rate: 1.25%. Get 1 points on all other retail spends. Effective general cashback rate: 0.25%.
FabIndia SBI Card Select
10 point on spend of every INR 100 on FabIndia stores. Value of 1 point = INR 1. Effective FabIndia store cashback rate: 10%. Get 3 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 3%. 
FabIndia SBI Card
5 point on spend of every INR 100 on FabIndia stores. Value of 1 point = INR 1. Effective FabIndia store cashback rate: 5%. Get 2 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2%. 
Lifestyle Home Centre SBI Card PRIME
15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Max SBI Card Prime
15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Spar SBI Card Prime
15 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25 Effective store cashback rate: 3.75%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Lifestyle Home Centre SBI Card Select
10 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 2.5%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Max SBI Card Select
10 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 2.5%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Spar SBI Card Select
10 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 2.5%. Get 10 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 2.5%. Get 2 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.5%.
Lifestyle Home Centre SBI Card
5 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 1.25%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 1.25%. Get 1 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.25%.
Max SBI Card
5 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 1.25%. 
Spar SBI Card
5 point on spend of every INR 100 on online & retail landmark stores (Lifestyle, Home Centre, Max and Spar). Value of 1 point = INR 0.25. Effective store cashback rate: 1.25%. Get 5 points on spend of every INR 100 on dinning, movies & entertainment spends. Effective dining/entertainment cashback rate: 1.25%. Get 1 reward point per INR 100 spent on other retail purchases (Non fuel). Effective general cashback rate: 0.25%.
SimplyClick SBI Card
10 point on spend of every INR 100 on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra. Value of 1 point = INR 0.25. Effective cashback rate: 2.5%. Get 5 reward points on all other online spends per INR 100. Effective online cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.
SimplySave SBI Card
10 point on spend of every INR 150 on dining, movies, departmental stores and grocery spends. Value of 1 point = INR 0.25. Effective cashback rate: 1.6%. Get 1 reward points on all other  spends per INR 150. Effective general cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.16%.
SimplyClick Advantage SBI Card
10 point on spend of every INR 100 on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra. Value of 1 point = INR 0.25. Effective cashback rate: 2.5%. Get 5 reward points on all other online spends per INR 100. Effective online cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.
SimplySave Advantage SBI Card
10 point on spend of every INR 150 on dining, movies, departmental stores and grocery spends. Value of 1 point = INR 0.25. Effective cashback rate: 1.6%. Get 1 reward points on all other  spends per INR 150. Effective general cashback rate: 1.25%. Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.16%
SBI Card Unnati
1 point on spend of every INR 100 . Value of 1 point = INR 0.25. Effective cashback rate: 0.25%. 
Shaurya SBI Card
Get 5 point on spend of every INR 100 on CSD, dining, movies, departmental stores and grocery. Value of 1 point = INR 0.25.
Shaurya Select SBI Card
Get 10 point on spend of every INR 100 on CSD, dining, movies, departmental stores and grocery. Value of 1 point = INR 0.25. Effective cashback rate: 2.5%. Get 2 reward points on all other spends per INR 100. Effective general cashback rate: 0.5%. 
BPCL SBI Card Octane
Get 25 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 6.25% (Capped at 2500 reward points per month). Get 10 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 2.5% (Capped at 7500 reward points per month). Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%
BPCL SBI Card
Get 13 point on spend of every INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. Effective cashback rate: 3.25% (Capped at 1300 reward points per month). Get 5 reward points on every 100 spent at dining, departmental stores, grocery and movies. Dining & entertainment cashback rate: 1.25% (Capped at 5000 reward points per month). Get 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%.
IRCTC SBI Card Premier
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points. Get 3 reward points on every 125 spent at dining, and on standing instructions on utility bill payment. Dining & bill cashback rate: 2.4%.  Get 1 reward point on INR 125 on all other spends. Effective general cashback rate: 0.8%
IRCTC SBI Platinum Card
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points. Get 1 reward point on INR 125 on all other spends. Effective general cashback rate: 0.8%
IRCTC SBI Card (on RuPay platform)
On buying tickets through irctc.co.in & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points. Get 1 reward point on INR 125 on all other spends. Effective general cashback rate: 0.8%.
Etihad Guest SBI Card
Get 3 Etihad guest miles on every INR 100 spent on Etihad.com. Get 2 Etihad guest miles on every INR 100 spent on International spends. Get 1 Etihad guest mile on every INR 100 spent on other spend. 
Etihad Guest SBI Premier Card
Get 6 Etihad guest miles on every INR 100 spent on Etihad.com. Get 4 Etihad guest miles on every INR 100 spent on International spends. Get 2 Etihad guest mile on every INR 100 spent on other spend. 
Club Vistara SBI Card Prime
Earn 2 CV points per INR 100 spent on all your spends. Value of 1 point = INR 0.75. Cashback percentage: 1.5%.
Club Vistara SBI Card
Earn 1.5 CV points per INR 100 spent on all your spends. Value of 1 point = INR 0.75. Cashback percentage: 1.12%
Yatra SBI Card
Get 6 reward points on every INR 100 spend on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month) and international spends (Up to 5000 reward points per month). Value of 1 reward point = INR0.25. Cashback percentage: 1.5%. 1 reward point on every INR 100 spent on all other categories. General cashback rate: 0.25%.
Air India SBI Platinum Card
Earn upto 15 Reward Points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (15 reward points when booked for self and 5 reward points when booked for others). Value of 1 reward point = INR 0.25. 1 point can also be converted into air miles. 1 point = 1 air mile. Air miles can be redeemed for air tickets. Air India travel cashback rate: 3.75%. Get 2 reward points for every INR100 spent on all other spends. General cashback rate: INR 0.5%.
Air India SBI Signature Card
Earn upto 30 Reward Points for every INR 100 spent on Air India tickets booked through airindia.com, airindia mobile app. (30 reward points when booked for self and 10 reward points when booked for others). Value of 1 reward point = INR 0.25. Point can also be converted into air miles. 1 point = 1 air mile. Air miles can be redeemed for air tickets. Air India travel cashback rate: 7.5%. Get 4 reward points for every INR 100 spent on all other spends. General cashback rate: INR 1%.
PSB SBI Card Elite
Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
PSB SBI Card Prime
Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
UCO Bank SBI Card Elite
Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
UCO Bank SBI Card Prime
Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
Central Bank of India SBI Card Prime
Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
Central Bank of India SBI Card Elite
Get 5 reward points per INR 100 spent on dining, groceries, departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
City Union Bank SBI Card Prime
Get 10 reward points per INR 100 spent on dining, groceries, departmental stores and movies. Value of 1 reward point = INR 0.25. Effective special cashback rate: 2.5%. Get 20 Reward Points per INR 100 spent on standing instructions of utility bills payments. Effective utility bill payment cashback rate: 5%. Earn 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%. 
SBI Titan Credit Card
Get 3% valueback in form of gift vouchers via Tanishq on quarterly spends. 5 percent cashback on Mia, Caratlane & Zoya each quarter. 7.5% cashback on World of Titan, Taneira, Titan Eye+, Helios, Fastrack, Skinn, Irth & Sonata. 6 reward point on all other spends, value of 1 reward point = INR 0.25. General cashback rate: 1.5%.

Rewards System

Activating Your State Bank of India Credit Card: A Step-by-Step Guide

Online Activation through Internet Banking

  1. Visit the official SBI Card website and log in to your account.

  2. Enter your credentials, including your Login ID and Password.

  3. Navigate to the ‘Requests’ tab and select the ‘Card Activation’ option.

  4. If you have multiple credit cards, select the card number you wish to activate from the drop-down box.

  5. Confirm the activation by clicking on the ‘Activate’ button.

​​​

Activation via Mobile Banking App

  1. Download and log in to the YONO mobile banking application.

  2. Tap on the ‘Requests’ tab.

  3. Choose the ‘Card Activation’ option.

  4. Follow the prompts to activate your credit card.

Customer Care Assistanc

​If you prefer personal assistance or encounter any issues, you can call SBI's customer care service. The customer care number is available on the SBI Card website. Be ready with your credit card details for verification purposes.​

How to Activate State Bank of India Credit Card?

  • Age: Applicants should be between 21 to 70 years for salaried, and 25 to 70 years for self-employed individuals.

  • Income: Minimum income requirements vary depending on the specific credit card variant; premium cards generally require a higher income.

  • Employment: Both salaried and self-employed individuals are eligible, with documentation required to prove regular income.

  • Credit Score: A good credit score is typically necessary, with 700 and above preferable.

  • Documentation: Proof of identity, address, and income is required; the documents vary based on the card type and applicant's occupation.

  • Residency: Applicants must be residents of India.

  • Serviceable Cities: The applicant should reside in a city serviceable by SBI Card.

Eligibility Criteria for State Bank of India Credit Cards

  • Interest Rates: 3.50% per month i.e. 43.2% annually

  • Cash Advance Charges: 2.5% of amount withdrawn or `500 whichever is higher.

  • Late Payment Charges:  Up to `100 – Nil 

                                                  101 - `500 – INR 150 , 

                                                  501 - `5000 – INR 500

                                                  5001 - `20000 – INR 750

                                                   25000 - 50000 – INR 950

                                                  Above `50000 – INR 1300 

  • Foreign Currency Mark-up Fees: All overseas transactions are levied with a 3.5% transaction fee.

  • Reward Redemption Fees: INR 99 + GST.

Other Fee And Charges

The State Bank of India (SBI) stands as a pillar of the Indian banking sector, with a rich history that dates back over two centuries. Originally established as the Bank of Calcutta in June 1806, it was later renamed the Bank of Bengal. This institution was one of the three presidency banks, the others being the Bank of Bombay and the Bank of Madras, all of which were established under British rule in the 19th century. These three banks were the forerunners to the Imperial Bank of India, which eventually became the State Bank of India in 1955.

 

The evolution of SBI is a testament to India's economic resilience and adaptability. Over the years, SBI has not only survived but thrived, expanding its reach and services. It has played a crucial role in the economic development of India, becoming the largest bank in the country with a significant market share in assets and loans. As of 2024, SBI is a global entity, ranking as the 45th largest bank worldwide by total assets and featuring in the Fortune Global 500 list.

 

SBI's journey into the world of credit cards began with the establishment of SBI Cards and Payment Services Ltd., a subsidiary that focuses on the bank's credit card operations. SBI credit cards have become a significant part of the bank's offerings, providing customers with a range of options tailored to various needs, from lifestyle and rewards to travel and fuel. The credit cards come with a host of benefits, deals, and rewards, catering to the diverse spending habits of India's growing consumer base.

 

The bank's foray into credit cards has been marked by innovation and customer-centric solutions. SBI credit cards are known for their big rewards and savings, offering features like cashback, reward points, and premium benefits. The bank has leveraged technology and digital platforms to enhance the user experience, making credit card management and transactions seamless for its customers.

 

As SBI continues to expand its services and reach, its credit cards remain a vital component of its growth strategy, reflecting the bank's commitment to providing comprehensive financial solutions to its customers. The history of SBI and its credit cards is not just about financial transactions; it's a narrative of India's progress and the bank's role in shaping the nation's financial landscape. 

State Bank of India's Journey

  • Q: Which HDFC Bank Credit Card is right for me?

         A: HDFC Bank offers a variety of credit cards with different benefits and rewards programs. You can find a card that suits your spending habits,

              whether you travel frequently, shop online a lot, or enjoy dining out. Use the bank's pre-approval tool to see which cards you're eligible for.

  

  • Q: What are the fees associated with HDFC Bank Credit Cards?

         A: Annual fees for HDFC Bank Credit Cards can range from free for lifetime cards to ₹10,000 or more for premium cards. There may also be other 

              fees, such as late payment fees and foreign transaction fees. Be sure to review the fee schedule for the card you're interested in.

  • Q: How do I apply for an HDFC Bank Credit Card?

           A: You can apply for an HDFC Bank Credit Card online through the bank's website or mobile app. You can also visit an HDFC Bank branch to 

                apply in person.

  • Q: What documents do I need to apply for an HDFC Bank Credit Card?

           A: The documents required to apply for an HDFC Bank Credit Card will vary depending on your situation. Typically, you will need to provide 

                 proof of identity, income, and address.

 

  • Q: How long does it take to get approved for an HDFC Bank Credit Card?

         A: The approval process for an HDFC Bank Credit Card can take a few days to a few weeks. You will be notified by the bank of the decision.

  • Q: How do I activate my new HDFC Bank Credit Card?

         A: You will receive instructions on how to activate your new HDFC Bank Credit Card after it is approved. This can usually be done online or by 

              phone.

  • Q:  How do I make a payment on my HDFC Bank Credit Card?

        A: You can make payments on your HDFC Bank Credit Card online, through the bank's mobile app, at an ATM, or by phone. You can also set up 

             auto-pay to have your payments automatically deducted from your bank account.

  • Q: What happens if I miss a payment on my HDFC Bank Credit Card?

        A: If you miss a payment on your HDFC Bank Credit Card, you will be charged a late payment fee. You may also be subject to a higher interest rate. 

             It's important to make your payments on time to avoid these charges.

  • Q: How do I report a lost or stolen HDFC Bank Credit Card?

        A: If your HDFC Bank Credit Card is lost or stolen, you should report it to the bank immediately. You can do this by calling the customer service 

             number on the back of your card.

  • Q: Where can I find more information about HDFC Bank Credit Cards?

       A: You can find more information about HDFC Bank Credit Cards on the bank's website https://www.hdfcbank.com/personal/pay/cards/credit-cards.

            You can also contact the bank's customer service department for assistance.

FAQs

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