Credit Cards In SBI- Top 5 SBI Credit Cards for Middle Class
- Vaani Shrivastava
- Mar 24, 2024
- 9 min read
Updated: Dec 10, 2025
Top 5 SBI Credit Cards For the Middle Class
The art of using credit cards can be really degrading in an environment where money choices can be overwhelming. It is value-optimisation and making every dollar count in that finding the right credit card is more important to consumers of middle-income than convenience or bonuses. Among all the credit cards that meet the needs of middle-class consumers, State Bank of India (SBI) has offered itself as one of the most faithful brands.
In this blog article, we are going to discuss the world of SBI credit cards and point out the best five, which have been very carefully selected, keeping the middle-class consumer in mind. SBI credit card has the solution to your needs, be it saving on petrol and grocery bills or gaining points on the usual purchases or enjoying special benefits without overspending on them.
Accomplice with us as we explore these features, benefits and extras of each of these best SBI credit cards so you can make your informed decision and move on the path of financial security.
SBI Yatra Credit Card
Annual Fee (one-time): INR 499 + Taxes.
Interest rate: 3.50% interest rate per month (42% interest rate per annum).
Welcome Benefit: Welcome INR 8,250 worth Yatra.com vouchers free
Special Feature: INR 1,000 off on all domestic flight reservations. Minimum transaction of INR 5,000 is applicable. Discounts on international flight bookings 4,000. Use on minimum transaction of INR 40,000.20 off on domestic hotels.
The SBI Yatra Credit Card is a credit card with a life of travel which has various benefits that will fit well with middle-class people who are used to travelling but not straining their pocket. Having an annual fee of Rs. 499, which is easily considered as waived in case of spending over 100,000 each year, it is not out of reach for most people. Yatra.com offers welcome vouchers of 8,250 rupees to cardholders that can be redeemed on different bookings related to travel. It also offers discounts on flight and hotel tickets, including 1000 on local flights and 20% on local hotels, depending on minimum transaction requirements. Also, each user can get 6 reward points on any amount of money that he spends on goods and services such as groceries, dining and international spending, with 5,000 being the maximum number of reward points that one can get within a month. This may be converted into major savings in the long run. There is also a free air accident cover comprising 50 lakhs rupees that is included in the card, giving the holder a sense of security during travel. Moreover, the fuel surcharge waiver at all the petrol pumps in India increases the savings, particularly for those who travel frequently. These attributes render the SBI Yatra Credit Card a potentially useful financial instrument that can be used by middle-class families to effectively control their travel costs. BPCL SBI Card Octane
BPCL SBI Card Octane
Annual Fee (one-time): INR 499 + Taxes.
Interest rate: 3.50 per cent per month (42 per cent per year)
Welcome Benefit: Receive 6000 bonus reward points INR 1500 on payment of annual fees.
Special Feature: Earn 25 points on spending each INR 100 at BPCL petrol pumps + Bharat Gas + BPCL fuel lubricants. Value of 1 point = INR 0.25. 1.5 per cent. cashback rate (limited at 2500 reward points in a month).
BPCL SBI Card Octane is a credit card and is designed to provide various benefits to users who are likely to spend a lot of money on fuel. It offers a high 6.25 per cent value back in fuel purchases at BPCL petrol pumps, which offers 25X Reward Points on fuel expenditure and a 1 per cent waiver on fuel surcharge. To the middle-class users, this would mean a lot in terms of saving, as fuel costs have been going up. Besides, 10 Reward Points will be received by the cardholder for every 100 rupees spent on dining, grocery, and movies, up to 7500 Reward points per month, which can be used to cover daily costs. The card also provides a welcoming reward of 6000 bonus Reward points on paying the annual fee, which is equivalent to 1500 rupees. In addition, other milestone benefits include e-gift vouchers of the value of Rs. 2000 of different brands in case of annual spending of Rs. 3 Lakhs, which can prove to be a blessing to the frequent spenders. The card can essentially be self-paying, provided that it is used in a smart way with a renewal fee waiver on an annual spend of Rs. 2 Lakhs. These attributes will ensure that BPCL SBI Card Octane is a potentially useful financial product to the middle-income population, which will allow them to control and minimise their fuel usage and the overall cost of living.
SBI SimplySAVE Credit Card
Annual Fee (one-time): INR 499 + Taxes.
Interest rate: 3.5 per month (42% per annum)
Welcome Benefit: Purchase INR 2000 or above within the first sixty days and earn 2000 reward points.
2,000 reward points.
Special Feature: 10 points on spending all INR 100 on Apollo 24x7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra.
The SBI SimplySAVE Credit Card is created to provide a variety of advantages that could be quite beneficial even to middle-class people. It is a convenient financial resource with a yearly fee of Rs. 499, which is refundable when spending is made in one year at least of. 1,00,000. Cardholders will also get considerable rewards on their daily purchases, like 10x reward points on dining, movies, departmental stores and grocery purchases and 1 reward point on every 150 spent on other categories. These can be redeemed for a number of vouchers or merchandise, effectively saving money used on daily spending. Also, the card has 1% waiver on fuel surcharge on transactions between Rs. 500 and Rs. 3,000, which can be saved over a period of time. Another advantage that can be used to counter the initial expenses incurred when obtaining the card is the welcome benefit of 2,000 bonus reward points on spending of $2,000 on the card during the first 60 days of receiving the card. In general, the SBI SimplySAVE Credit Card could be an effective financial tool for the middle-income population, as it allows for maximize savings on daily expenses, at the same time, offering the comfort and safety of not using cash.
Reliance SBI Credit Card
Annual Fee (one-time): INR. 499 + Taxes
Interest Rate: 3.50 per month (42 or 42% per annum)
Welcome Benefit: Accept a Reliance Retail voucher of INR 500 as a welcome benefit.
Special Feature: 5 points on spending of all INR 100 on the Retail stores of Reliance.
The Reliance SBI Credit Card has numerous benefits, which may be especially useful to middle-class people. At an initial joining fee as well as annual renewal fee of Rs. 499 in addition to taxes, cardholders can be given a Reliance Retail Voucher of the value being Rs. 500 when the joining fee is paid. This is, in effect, cancelling out the card cost in the first year. The card also offers milestone rewards like a waiver on renewal fee when spending annual spends of 1 lakh within the last year, and reward points on buying products in the stores of Reliance Retail. Each 100 spent will earn 5 reward points, so that in the long run, it can be converted into savings worth a lot. The card provides a 1 per cent fuel surcharge waiver at all the petrol pumps in India for transactions between 500 and 4000, exclusive of the GST and other charges. These are on top of other vouchers and discounts offered at other Reliance brands and make the Reliance SBI Credit Card a viable choice in the eyes of middle-class consumers who are interested in making the best out of their purchasing power and have plenty of benefits that are offered depending on their shopping and fueling requirements.
SBI Cashback Credit Card
Annual Fee (one-time): INR 999 + Taxes
Interest Rate: 3.50 per month (42 per annum)
Welcome Benefit: None
Special Feature: Cashback of 5 per cent on online purchases without any form of a merchant limit (cashback will reach INR 5,000 every month).
The SBI Cashback credit card is a product with a variety of features that are suited to the middle-class financial lifestyle and needs. Cardholders can receive a flat rate of 5 per cent cashback on online transactions and 1 per cent on offline transactions. The cashback aspect of the card is especially useful to individuals who engage in online shopping regularly, as it gives great returns without any limitations on the merchants. The card will also waive 1% fuel surcharge at all the petrol pumps in India, which can create significant savings for daily commuters. The renewal fee of Rs 999 is reversible with annual expenses of 2 lakh rupees, which is an encouragement to spend responsibly and manage the budget. All these characteristics, together with the comfort of global coverage and a convenient transfer of money through credit cards with cashback automatically downloaded into the account, make the SBI Cashback Credit Card a convenient option that could meet the needs of middle-income citizens in order to use their resources to the full extent and receive a variety of financial advantages.
Conclusion
The right credit card can actually make a huge difference in your financial life, particularly when used by the middle-income group that is aiming to get the value, convenience, and rewards. The variety of benefits that the middle-class consumer can enjoy has been illuminated by our visit to the best five SBI credit cards with the State Bank of India (SBI) on the frontline in offering customised solutions to the consumer.
Cashback rewards for lifestyle, a variety of benefits provided by each of these credit cards are designed to fit a variety of spending habits and preferences. Are you a cost-saving customer or a traveller, or are you simply someone who tends to get the maximum out of every transaction? The SBI credit card is more than willing to enhance your financial life.
Consider the benefits, as venturing out to buy your preferred credit card, remember to compare the annual fees, interest rate and rewards programme with your spending habits and financial goals or objectives. When you make an informed choice and use your credit card to the fullest when you make the most of your savings and are within your budget.
Finally, the five SBI credit cards that have been highlighted in the current blog post are not just financial instruments; the cards are the promise of the middle-income population to be more financially free and secure. Then, whether you are going on a new trip or want to improve your existing financial plan, these credit cards will be your true friends on the way to wealth.
Purchasing the Right Credit Card
The credit card game is a daunting one, especially to the middle-income population who are struggling to balance their finance well. Having a great selection of choices, it is very important to select a knowledgeable alternative, one that corresponds to financial aspirations and way of life. The following is a detailed repertoire of things to be considered prior to choosing a credit card.
Know Your Expenditure Patterns
Analyse your spending habits before plunging into the ocean of credit cards. Do you travel a lot, are a gastronomist, or are a bargain hunter? The history of determining your main expenditures will assist you in selecting a card that comes with rewards and benefits specific to your lifestyle.
Assess the Rewards and Perks
The credit cards are offered under different rewards schemes, such as cashback, points, and travel miles. Find cards with rewards on your most used categories. Other advantages, like access to airport lounges, eating discounts, and even free insurance, may be very useful.
Consider the Costs
Watch out for the charges on credit cards. Such may encompass annual charges, foreign exchange charges, and cash advance charges. Other cards will waive the annual fee in the first year or when one reaches a spend target. You should balance these costs with the returns that you will get.
Interest Rates and Credit Limits
Annual Percentage Rate (APR) is one of the factors that are essential when you intend to have a balance on your card. Use a card with a lower interest rate so as to incur a lower cost of borrowing. Also, look at the credit limit provided, which should be according to what you require to spend without tempting you to go deep into debt.
Credit Score Requirements
The score of your credit determines greatly whether you will be eligible to get a credit card or not. Better scores on credit make cards available to better rewards and reduced interest rates. Make sure that you satisfy the credit score requirement of the card you are applying for so that a rejection will not have the adverse effect of undermining your credit report.
Additional Perks
Others also have extra benefits like extra warranties that come with purchases, car rentals and zero liability on fraudulent transactions. Such characteristics may offer both comfort and long-term economies.
Accessibility and Customer Service
Another aspect that is not taken into consideration is the amount of customer service that the card issuer offers. A credit card can become better with easy access to customer support and online management that is user-friendly.
Compare Options
Do not take the first credit card application you see. You will need to find time to compare several cards, keeping in mind all the above factors. Your decision-making process can be supported by the websites and financial blogs with comparisons and reviews.
Personal Monetary Administration
The ultimate best credit card is one that fits your financial management style. It must be used as a convenience and reward mechanism and not as a way to gain an unsustainable debt.
The middle-income people ought to be keen on the process of choosing the credit cards, and this is based on clear knowledge of their credit card spending habits and objectives. With these as the main factors to consider, it is possible to select a credit card that will not only give you convenience but also be beneficial to your financial well-being. Keep in mind that a credit card is a financial responsibility, and its prudent application may result in better credit status and a safer financial future.
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