All about SBI Credit Cards: 101 Guide 

SBI Card is a leading card issuer in India that offers benefits with multiple benefits. Some of the renowned credit cards offered by SBI are SBI Simply Save, SBI Simply Click, SBI Cashback Credit Card, SBI Card ELITE, and BPCL SBI Card. Choosing the right card is quite difficult since every card in itself serves a unique purpose like shopping, travel, fuel, groceries, etc.

To help an applicant in making the right decision in the selection of a card, below are listed the top SBI credit cards.

  1. Lifestyle Cards
  • SBI Card Elite
  • SBI Card Pulse
  • Doctor’s SBI Card (In association with IMA)
  • SBI Card Elite Advantage
  • Doctor’s SBI Card
  1. Rewards Cards
  • Cashback SBI Card
  • SBI Card Prime
  • Aditya Birla SBI Card Select
  • Aditya Birla SBI Card
  • OLA Money SBI Card
  • Apollo SBI Card
  • SBI Card Prime Advantage
  • Tata Card Select
  • Tata Card
  • Paytm SBI Card Select
  • Paytm SBI Card
  1. Shopping Cards
  • Nature’s Basket SBI Card Elite
  • Nature’s Basket SBI Card
  • FabIndia SBI Card Select
  • FabIndia SBI Card
  • Lifestyle Home Centre SBI card Prime
  • Max SBI card Prime
  • Spar SBI Card Prime
  • Lifestyle Home Centre SBI Card Select
  • Max SBI Card Select
  • Spar SBI Card Select
  • Lifestyle Home Centre SBI Card
  • Max SBI Card
  • Spar SBI Card
  • SimplyClick SBI Card
  • SimplySave SBI Card
  • Fbb SBI StyleupCard
  • Central SBI Select+ Card
  • Central SBI Select Card
  • SBI Card Unnati
  • Simply Click Advantage SBI Card
  • Simply Save Advantage SBI Card
  • Shaurya SBI Card
  • Shaurya Select SBI Card
  1. Travel & Fuel Cards
  • BPCL SBI Card Octane
  • IRCTC SBI Card Premier
  • IRCTC SBI Card (On Rupay Platform)
  • Etihad Guest SBI Premier Card
  • Etihad Guest SBI Card
  • BPCL SBI Card
  • Club Vistara SBI Card Prime
  • Club Vistara
  • SBI Card
  • Yatra SBI Card
  • Air India SBI Signature Card
  • Air India SBI Platinum Card
  • Delhi Metro SBI Card
  • IRCTC SBI Platinum Card
  1. Banking Partnership Cards
  • PSB SBI Card Elite
  • PSB SBI Card Prime
  • PSB Simply Save SBI card
  • UCO Bank SBI Card Elite
  • UCO Bank SBI Card Prime
  • UCO Bank SimplySave SBI Card
  • Central Bank of India SBI Elite Card
  • Central Bank of India SBI Card Prime
  • Central Bank of India SimplySave SBI Card
  • City Union Bank SBI Card Prime
  • City Union Bank SimplySave SBI Card
  • Allahabad Bank SBI Card Elite
  • Allahabad Bank SBI Card Prime
  • Allahabad Bank SimplySave SBI Card
  • Karnataka Bank SBI Card Prime
  • Karnataka Bank SimplySave SBI Card
  • South Indian Bank SBI Platinum Credit Card
  • South Indian Bank SimplySave SBI Card
  • KVB SBI Signature Card
  • KarurVysya Bank – SBI Platinum Credit Card
  • KarurVysya Bank – SBI Card
  1. Business Cards
  • SBI Card Prime Business
  • SBI Card Elite Business

Other SBI Credit Cards

Below mentioned are some other SBI Credit Cards:

Credit Cards Annual Fee Best Suited For
Air India SBI Card Platinum ₹ 1,499 Travel
Yatra SBI Credit Card ₹ 499 Travel
Cashback SBI Card ₹ 999 Cashback & Online Shopping
SBI Aurum Credit Card ₹ 10,000 Rewards & Travel
SBI Pulse Credit Card ₹ 1,499 Health & Fitness
Apollo SBI Credit Card ₹ 499 Health & Fitness; Rewards
Nature’s Basket SBI Card Elite ₹ 4,999 Grocery Shopping
Lifestyle Home Center SBI Card Prime ₹ 2,999 Shopping
FabIndia SBI Credit Card ₹ 499 Shopping


Fees & Charges

Fee Type Amount
Joining/Annual Fee Varies for all SBI Credit Cards
Finance Charges Up to 3.5% per month| 42% per annum
Late Payment Fee  

For Outstanding Balance Fee
Up to INR 500 Nil
Greater than INR 500 to up to INR 1,000 INR 400
Greater than INR 1,000 to up to INR 10,000 INR 750
Greater than INR 10,000 to up to INR 25,000 INR 950
Greater than INR 25,000 to up to INR 50,000 INR 1,100
Greater than INR 50,000 INR 1,300


Documents Required

Proof of Identity PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof
Proof of Income Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement


Benefits of SBI Card

Below mentioned are some of the benefits of an SBI Card:

  • Contactless transactions:One can simply tap the SBI Credit Card on NFC-enabled POS machines to make simple, convenient & secure transactions
  • Reward Points:One can earn Reward Points on every purchase made using SBI Card. The accumulated Reward Points can be redeemed for various gifts from the Rewards Catalogue
  • Exclusive Cashbacks & Discounts:One can avail Cashbacks & Discounts, on various merchants & Partners in travel, shopping, Dining & other categories. To know more about the current offers, click here
  • Add-on Card:One can gift their loved ones up to 2 complimentary Add-on SBI Cards
  • Pay in EMIs:One can pay back their big purchases in easy EMIs
  • Cash withdrawal from ATMs:One can use their SBI Card to withdraw cash from any ATM across India

How to apply for SBI Card online?

Below mentioned are the steps to apply for an SBI card online:

  • Open the official website of SBI Card. Click on the option Credit and select a card from the category that fits in best for the requirement.
  • Click on ‘Apply Now’ and fill in the E-Apply form / Online Application form.
  • Click ‘Submit’ and an instant reply would be received on the application on the basis of the information provided.
  • If the application is approved, a call would be received from the SBI Card team for verification.
  • Post necessary verification, the card would get issued to the applicant.

Reasons for Credit Card Application getting rejected

  • Non-availability of required information/documents
  • Low Credit Score
  • Low Income
  • Age Eligibility, etc.

Status of Credit Card Application

With the help of the Track Application Widget, one can track the status of the SBI Credit Card from the homepage.

  • Enter the Application no. / Reference no. that has been received at the time of the application for a card.
  • Click on the Track button to check the status of your SBI Card application

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