State Bank of India

In today's blog, we will provide you with information about all the Credit Cards of State Bank of India, specifically its welcome benefits, cashback rate, and more. For more information, read below:

SBI, or State Bank of India, has been in India for a long time. It’s the oldest and largest public sector bank in the country. With its head office in Mumbai and thousands of branches all over India (literally over 22,000!), It’s become a part of daily life for millions. On top of regular banking stuff like savings accounts, loans, and insurance, SBI also has a pretty strong credit card game.

Their credit cards are super popular because there’s something for everyone. If you’re someone who shops online a lot, the SBI Cashback Card gives you 5% back on online purchases. It’s straightforward and useful. For people who are just getting started with credit cards, the SimplyCLICK Card is a solid choice. You earn extra reward points when you shop on Amazon, BookMyShow, and a few other partner websites, so it’s a good pick for everyday use.

If you’re into luxury and travel, the SBI ELITE Card offers a bunch of premium perks like airport lounge access, free movie tickets, and even a Club Vistara membership. For those who spend a lot on fuel, the BPCL SBI Card gives decent value back at Bharat Petroleum pumps. And if you're more into health and wellness, the SBI Pulse Card gives you things like health check-ups, Netmeds discounts, and a fitness membership.

Myrupaya:

MyRupaya also features an AI-powered assistant, “MyRupaya AI,” that helps users discover discounts, offers, and match credit cards or loans to their needs in an interactive way.

MyRupaya is an India-based personal finance research and content platform founded in 2022 and headquartered in Jaipur, Rajasthan. It aims to simplify complex financial products such as credit cards, investment apps, loans, mutual funds, and travel offers through easily digestible content like blogs, infographics, Instagram posts, reels, and videos. The platform provides unbiased reviews and comparisons of financial products, including detailed breakdowns of card benefits, fees, eligibility criteria, and user recommendations, making it a go-to resource for Indian consumers seeking clarity and value.

We’ve gathered and organized all the credit card offers from the State Bank of India (SBI) in one place to make it easier for you to find the card that truly fits your lifestyle and spending habits. Whether you’re a frequent online shopper, a daily commuter spending on fuel, a travel enthusiast looking for flight and lounge benefits, or someone who simply wants to save more on groceries, dining, and everyday expenses, there’s an SBI credit card designed just for you. Instead of browsing multiple websites or reading through long brochures, you can now explore all SBI credit card options here, with clear details about the rewards, benefits, and key features that matter to you.

Each card comes with its own set of advantages, from cashback and reward points to surcharge waivers, travel perks, and even health-related offers, so you can compare them side by side and choose the one that gives you the maximum value. Our aim is to simplify the decision-making process and help you make a smart, informed choice based on your preferences and spending patterns. Whether you're applying for your first credit card or looking to upgrade to a more premium one, this guide is your starting point to discover the best SBI credit card for your needs.

Top 5 Credit Cards Of SBI:

1. SBI Cashback Credit Card: 

The SBI Cashback Credit Card is a highly popular entry-level card launched by the State Bank of India, designed especially for online shoppers who prefer straightforward savings on everyday purchases. It stands out for offering 5% unlimited cashback on online spends made through most e-commerce platforms (excluding a few like IRCTC, utility bill payments, fuel, wallet reloads, etc.) and 1% cashback on all other offline and in-store transactions, making it ideal for digitally active users. With a modest annual fee of INR 999 (which is waived on annual spends of INR 2 lakh or more), this card provides easy value without the complexity of reward point conversions. Being a RuPay variant, it also supports UPI-linked payments, giving users additional flexibility in spending. The SBI Cashback Card is best suited for those who shop frequently online and want automatic savings without needing to track or redeem reward points manually.

What is The Cashback Rate of SBI Cashback Credit Card?

• 1% cashback on all offline spends. One of the best credit card for online shopping as there is no merchant restriction and a very high cashback rate: 5%.

• 5% cashback on online spending without any kind of merchant restriction.  (maximum cashback of Rs 5,000 per month).

  
  

Fees And Charges:

• Joining Fees: INR 999 + Taxes

• Annual Fees: INR 999 + Taxes

• Cash Avance Fee: Cash Advance fees: 2.5% or Rs. 500, whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Interest Rate: Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.

Conclusion:

The SBI Cashback Credit Card is a smart and practical choice for anyone who wants to turn everyday spending into effortless savings. With its simple cashback structure, direct statement credits, and strong benefits on online and offline transactions, it offers great value without the complications of traditional reward systems. Whether you're a frequent online shopper or someone who prefers digital payments for daily expenses, this card ensures that you get something back every time you spend. Combined with features like contactless payments, wide acceptance, and an annual fee waiver on regular usage, it stands out as a well-rounded option for modern consumers looking for ease, savings, and convenience in one card.

2.  SBI Card ELITE:

   
   

The SBI Card ELITE is a premium lifestyle credit card offered by the State Bank of India, designed for individuals who seek high-end benefits across travel, shopping, dining, and entertainment. With a one-time joining fee of INR 4,999 + GST (matched by an equal-value INR 5,000 welcome e‑gift voucher redeemable at brands like Yatra, Shoppers Stop, Bata, Pantaloons, and Aditya Birla Fashion), this card aims to deliver strong value from the very beginning. Cardholders earn accelerated rewards, five times reward points (10 RP per INR 100) on groceries, dining, and department store spends, and two points per INR 100 on all other purchases (excluding fuel), where each reward point equals INR 0.25 when redeemed.

What is The Cashback Rate of  SBI Card ELITE ?

• Users will get 5X reward points on dining, departmental stores and grocery spending.

• Value of 1 reward point = INR 0.25. Effective cashback rate: 2.5%.

• 2 reward points per INR 100, on all other spends. Effective cashback rate: 0.5%

Fees And Charges:

• Joining Fees: Rs. 4,499 + Taxes

• Annual Fees: INR 4,499 + Taxes

• Cash Avance Fee: Cash Advance fees: 2.5% or Rs. 500, whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Interest Rate: Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.

Conclusion:

The SBI Card ELITE is a well-rounded premium credit card that delivers exceptional value for individuals with high spending habits and a taste for lifestyle privileges. From complimentary lounge access and free movie tickets to milestone rewards and exclusive memberships, it offers a wide range of benefits that enhance both everyday experiences and luxury indulgences.

Its global acceptance, strong reward structure, and additional perks across travel, dining, and entertainment make it an ideal choice for those who want more from their credit card than just basic utility. While the annual fee is on the higher side, the value it returns through rewards and premium services makes it a worthwhile investment for frequent travelers and lifestyle-conscious users. If you're looking for a card that combines luxury, savings, and status, the SBI ELITE Card stands out as a top-tier option in the Indian credit card space.

3. The BPCL SBI Card OCTANE:

The BPCL SBI Card OCTANE (Bharat Petroleum Corporation Limited) is a co-branded fuel credit card launched by SBI Cards in partnership with Bharat Petroleum Corporation Limited, specifically for users who spend heavily on fuel and related services. It offers a strong 7.25% value back on fuel purchases at over 17,000 BPCL fuel stations, combining 6.25% in reward points (25 points per INR 100 spent) with a 1% fuel surcharge waiver on transactions up to INR 4,000 per month, capped at INR 100 per billing cycle. The card kicks off with a welcome bonus of 6,000 reward points worth approximately INR 1,500 when you pay the joining fee of INR 1,499 + GST (and again upon each renewal unless the fee is waived). In addition to fuel rewards, users earn 10 reward points per INR 100 on dining, grocery, departmental store, and movie spends (up to monthly caps), plus 1 point per INR 100 on all other eligible purchases. 

What is The Cashback Rate of The BPCL SBI Card OCTANE?

• Users will get 25 points on spending 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). 

• 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). 

• 1 reward point on INR 100 on all other spends. Effective general cashback rate: 0.25%

Fees And Charges:

• Joining Fees: Rs. 4,499 + Taxes

• Annual Fees: INR 4,499 + Taxes

• Cash Avance Fee: Cash Advance fees: 2.5% or Rs. 500, whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Interest Rate: Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.

Conclusion:

The BPCL SBI Card OCTANE is a powerful and feature-rich credit card designed specifically for individuals who frequently spend on fuel and want to maximize their savings at Bharat Petroleum outlets. With high reward points on fuel purchases, dining, groceries, and lifestyle spends, it goes beyond just fuel benefits to offer everyday value.

The card’s additional perks, such as complimentary lounge access, milestone vouchers, and surcharge waivers, make it a smart choice for both regular commuters and high spenders. While it comes with a relatively higher annual fee, the savings potential and bundled privileges can easily outweigh the cost if used strategically. For those looking for a focused yet flexible credit card that consistently rewards fuel spends and adds value across essential categories, the BPCL SBI Card OCTANE stands out as one of the most rewarding fuel credit cards available in India.

4.  Tata Neu Infinity SBI Credit Card:

   
   

The Tata Neu Infinity SBI Credit Card is a premium lifestyle credit card launched by SBI Card in partnership with Tata Digital, specially designed for customers who frequently shop across Tata Group brands. It offers excellent value back in the form of NeuCoins reward points that can be used directly on the Tata Neu app. Users can earn up to 10% value back (including base and bonus NeuCoins) on spending at partner Tata brands like BigBasket, Tata Cliq, Croma, Air India, Westside, and Taj Hotels.

On all other eligible spends, including UPI transactions with the RuPay variant, users earn 1.5% back as NeuCoins. The card also offers premium benefits such as 8 complimentary domestic lounge visits annually, 4 international lounge accesses via Priority Pass, and a lower foreign currency markup fee of just 1.99%, making it travel-friendly. It comes with a joining and renewal fee of INR 1,499 plus taxes, which is waived off on annual spends of INR 3 lakh or more, offering good value for regular spenders. Additional perks like fuel surcharge waiver, EMI conversion through Flexipay, balance transfer options, and global acceptance make this card a comprehensive choice.

What is The Cashback Rate of  Tata Neu Infinity SBI Credit Card?

• Reward System: 1 NeuCoin = Rs. 1 savings, users will get 5% value back as NeuCoins on spending at Tata Neu App/Website and partner Tata Brands. 

• Extra 5% value back as NeuCoins on select category spends on Tata Neu App/Website 

• 1.5% value back as NeuCoins on other spends.

Fees And Charges:

• Joining Fees: INR 1499/- plus taxes. On spending INR 3,00,000 or more in a year, the renewal fee can be waived

• Annual Fees: INR 4,499 + Taxes

• Cash Avance Fee: Cash Advance fees: 2.5% or Rs. 500, whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Interest Rate: Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.

Conclusion:

The Tata Neu Infinity SBI Credit Card is a powerful and rewarding option for those who frequently engage with Tata Group brands and prefer a seamless shopping experience through the Tata Neu app. With generous NeuCoin earnings, exclusive lounge access, travel benefits, and UPI compatibility through the RuPay variant, it offers a strong blend of lifestyle and utility features.

The card is especially valuable for users who spend regularly on platforms like BigBasket, Croma, Tata Cliq, and Taj Hotels, allowing them to maximize returns through integrated rewards. While the reward structure may feel slightly complex to some users, the overall benefits, fee waiver potential, and wide acceptance make it a smart choice for Tata ecosystem loyalists seeking both savings and premium experiences in one card.

5. Yatra SBI Credit Card:

   
   

The Yatra SBI Credit Card is a travel-focused, co-branded card launched in collaboration between SBI Cards and Yatra.com, designed specifically for frequent flyers and online holiday planners. At an affordable joining and annual fee of INR 499 + GST (waived on annual spends of INR 1 lakh), the card immediately rewards users with welcome e‑vouchers worth INR 8,250 redeemable for domestic and international flights, hotel stays, and holiday packages booked on Yatra.com.

Cardholders benefit from INR 1,000 off on domestic airline bookings, INR 4,000 off on international flight bookings, and 20% off on hotel stays, each available up to six times per year using the promo code. Beyond travel perks, the card offers accelerated rewards of 6 reward points per INR 100 spent on dining, groceries, movies, departmental stores, entertainment, and international spends, with 1 point per INR 100 on other purchases; rewards can be redeemed at a rate of INR 0.25 per point for Yatra bookings.

What is The Cashback Rate of Yatra SBI Card?

• Users will get 6 reward points for every INR 100 spent on departmental stores, grocery, dining, movies, entertainment (Up to 5000 reward points per month), and international spent (Up to 5000 reward points per month). Cashback percentage: 1.5%

• Value of 1 reward point = INR 0.25.

• 1 reward point on every INR 100 spent on all other categories. General cashback rate: 0.25%.

  
  

Fees And Charges:

• Joining Fees: INR 499 + Taxes

• Annual Fees: INR 499 + Taxes

• Cash Avance Fee: Cash Advance fees: 2.5% or Rs. 500, whichever is higher at domestic ATMs and 2.5% or Rs. 500, whichever is higher at international ATMs.

• Interest Rate: Interest Rate: Up to 3.50% per month (42% per annum) from the transaction date.

Conclusion:

The Yatra SBI Credit Card is a valuable and budget-friendly option for frequent travelers who regularly book flights, hotels, or holiday packages through Yatra.com. With generous welcome vouchers, consistent travel discounts, and accelerated rewards on key lifestyle categories like dining, movies, and groceries, it offers excellent all-around value. The added benefits of fuel surcharge waivers, air accident insurance, and global usability make it not just a travel card, but a reliable everyday companion as well. For users who want travel savings without paying a high annual fee, and who frequently use Yatra for their bookings, this card provides a smart blend of affordability, rewards, and convenience.

FAQ's

Q: Which SBI Credit Card is right for me?

A: SBI Card offers a wide range of credit cards for different needs, travel, shopping, fuel, dining, lifestyle, and premium rewards. For example, the SBI SimplyCLICK Card is great for online shopping, while the SBI Elite Card suits premium lifestyle benefits.

Q: What are the fees associated with SBI Credit Cards?

A: Annual fees vary depending on the card. Some are lifetime free, while others charge between INR 499 and INR 4,999 or more for premium cards. Other charges, like late payment fees, foreign currency transaction fees, and cash advance fees, may also apply. Always check the fee schedule before applying.

Q: How do I apply for an SBI Credit Card?

A: You can apply online through the SBI Card website or the YONO SBI app. You can also visit an SBI branch to apply in person.

Q: What documents do I need to apply for an SBI Credit Card?

A: Generally, you will need:

• Proof of identity (Aadhaar, Passport, PAN, etc.)

• Proof of address (Utility bill, Aadhaar, Passport, etc.)

• Proof of income (Salary slips, Bank statement, ITR, Form 16)The required documents may vary depending on your profile and card type.

  
  

Q: How long does it take to get approved for an SBI Credit Card?

A: The approval process usually takes a few days to 2 weeks, depending on eligibility and verification. SBI Card will notify you once your application is processed.

Q: How do I activate my new SBI Credit Card?

A: You can activate your SBI Credit Card by generating a PIN:

• Through the SBI Card website or the SBI Card Mobile App

• At any SBI ATM using OTP verification

• By calling the SBI Card IVR helpline and setting a instructions are provided along with your card kit.

  
  

Q: How do I make a payment on my SBI Credit Card?

A: You can pay your SBI Credit Card bill using:

• SBI Card Mobile App or Website

• SBI YONO app or Net Banking

• NEFT/IMPS/UPI from any bank account

• Auto-debit from your SBI account

• Cash or cheque at SBI branches/ATMs

  
  

Q: What happens if I miss a payment on my SBI Credit Card?

A: Missing a payment will attract late payment fees and interest charges on the outstanding amount. It may also negatively impact your credit score. Always try to pay at least the minimum amount due before the due date.

Q: How do I report a lost or stolen SBI Credit Card?

A: If your card is lost or stolen, immediately call SBI Card customer care at 1860 180 1290 / 3902 0202 (local STD code applies) to block the card. You can also block it instantly through the SBI Card Mobile App or website. A replacement card will be issued once reported.

If you want to know the unbiased AI score of all the State Bank Credit Cards, read their detailed review, click here