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SBI Rupay Credit Cards List

SBI Rupay Credit Cards List

Welcome to our comprehensive review of the top SBI Rupay Credit Cards, designed to help you navigate the diverse offerings from one of India's leading banks. State Bank of India (SBI) has established a robust portfolio of Rupay credit cards, each tailored to meet varying customer needs, from daily expenditures and travel benefits to premium lifestyle perks and business solutions. Whether you are a frequent shopper, a travel enthusiast, or a discerning business professional, SBI's range of Rupay credit cards offers a card for every profile.

In this blog post, we will delve into the features, benefits, and potential drawbacks of ten distinct SBI Rupay Credit Cards. Our review will cover the key aspects such as reward programs, annual fees, interest rates, and additional benefits like cashback, discounts, and insurance coverages. By providing detailed insights into each card, we aim to equip you with the knowledge needed to decide which card aligns best with your financial goals and lifestyle.

Join us as we explore the nuances of these credit cards, helping you identify the one that offers the perfect balance of rewards and practicality for your everyday transactions and long-term financial plans.


SBI SimplySAVE Credit Card

  • Joining Fees: INR 499/-

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

  • Welcome Benefit: Spend INR 2,000 or more in the first sixty days and get 2,000 reward points.

  • Special Feature: 10 points 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%.


The SBI SimplySAVE Credit Card is a budget-friendly option that rewards everyday spending on groceries, departmental stores, movies, and dining with 10 reward points for every Rs. 150 spent. With a low annual fee of Rs. 499 (waived if you spend Rs. 1 lakh in a year), it's a good choice for those new to credit cards or who prioritize saving on everyday purchases. As a RuPay card, it offers the benefits of a domestic network, potentially faster transactions at local merchants, and potentially lower fees for international transactions compared to international cards.


SBI SimplyCLICK Credit Card

  • Joining Fees: INR 499/-

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

  • Welcome Benefit: Get Amazon voucher worth INR 500 on paying annual fee.

  • Special Feature: 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%.


The SBI SimplyCLICK Credit Card is a good option for someone just starting out with credit cards, especially if you do a lot of online shopping. It offers reward points on all purchases, with bonus points for online spending at partner stores like BookMyShow and Cleartrip. Even better, there's no annual fee if you spend Rs. 1 lakh or more in a year. As a RuPay card, it's widely accepted by Indian merchants and often comes with additional benefits like purchase protection and complimentary airport lounge access. Since it's a domestic card, you might not be able to use it internationally.


IRCTC SBI Card (on the RuPay platform)

  • Joining Fees: INR 500/- + Taxes

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

  • Welcome Benefit: Get 350 activation bonus reward points on single transaction of INR 500 or more within 45 days of card issuance.

  • Special Feature: On buying tickets through & IRCTC Mobile App for AC1, AC2, AC3, executive chair car and chair car and get upto 10% value back as reward points.


The IRCTC SBI Card (on RuPay platform) is a co-branded credit card issued by SBI Cards and Payment Services Limited in collaboration with Indian Railway Catering and Tourism Corporation (IRCTC). This card is a good option for frequent train travellers in India, offering benefits like reward points on IRCTC bookings, transaction fee waivers, and lounge access. Since it runs on the RuPay network, it is accepted widely across India and promotes domestic payment infrastructure.


Yatra SBI Credit Card

  • Joining Fees: INR 499/- + Taxes

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

  • Welcome Benefit: Get 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.


The Yatra SBI Credit Card is a travel-focused RuPay card that offers benefits to frequent travelers. Upon joining, you receive vouchers worth Rs. 8,250 for domestic and international flights, hotels, and holiday packages. You earn reward points on everyday spending, with bonus points on departmental stores, groceries, and travel-related categories. The card also waives fuel surcharge and provides complimentary air accident cover. While it has a joining fee, the fee can be reversed in the second year if you meet minimum spending requirements. However, since it's a RuPay card, it may not be accepted at all international merchants.


Shaurya SBI Credit Card

  • Joining Fees: INR 250/- + Taxes

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

  • Welcome Benefit: Get 1000 reward points as welcome benefit.

  • Special Feature: Get 5 point on spend of every INR 100 on CSD, dining, movies, departmental stores and grocery. Value of 1 point = INR 0.25.


The Shaurya SBI Credit Card is a credit card designed specifically for Indian military personnel. It offers a range of benefits including reward points on everyday spending and at CSD canteens, a fuel surcharge waiver, and complimentary personal accident insurance. One of the standout features is that it's a RuPay card. This means it is widely accepted across India, while also supporting local infrastructure and offering potentially lower transaction fees for merchants. So, if you're in the armed forces and looking for a credit card with good domestic benefits and a RuPay network advantage, the Shaurya SBI Credit Card is a strong option to consider.


Reliance SBI Card

  • Joining Fees: INR 499/- + Taxes

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

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

  • Special Feature: 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%.


The Reliance SBI Card, co-branded by Reliance Retail and SBI Card, offers benefits tailored for shoppers at Reliance stores. It comes in two variants: the regular Reliance SBI Card and the feature-rich Reliance SBI Card Prime. Both cards reward you with points for spending at Reliance stores, with the Prime card offering a higher rate and additional perks like welcome vouchers and airport lounge access. While it is not a RuPay card (it is likely Visa or Mastercard), it provides similar benefits like contactless payments and worldwide acceptance at millions of merchants. If you're a frequent Reliance shopper, this card can be a good choice for maximizing your rewards on groceries, clothing, and other purchases at Reliance stores.



In conclusion, SBI RuPay Credit Cards offer a compelling blend of benefits tailored to meet diverse financial needs and lifestyle preferences. Whether you are a frequent traveler, a shopping enthusiast, or someone seeking value-added financial products, SBI’s array of RuPay cards ensures there is something for everyone. Cards like the SBI RuPay Select and SBI RuPay Platinum provide robust rewards programs, extensive travel perks, and comprehensive insurance coverage, enhancing their appeal to discerning users. Additionally, the cards’ compatibility with RuPay's secure payment gateway ensures a safe and seamless transaction experience, bolstering user confidence.

Moreover, the integration of these cards into the larger SBI ecosystem means cardholders can enjoy seamless banking services, making it easier to manage finances through a single portal. The cards also support a variety of digital payment solutions, reflecting SBI's commitment to keeping pace with evolving consumer preferences and technological advancements.

By choosing an SBI RuPay Credit Card, users not only gain access to exceptional financial tools but also contribute to the growth of a homegrown payment network, promoting greater financial inclusivity and digital adoption in India. With their competitive features and user-centric approach, SBI RuPay Credit Cards stand out as a valuable addition to any wallet.

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