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Explore Credit Cards

SBI Credit Card, one of India's largest credit card providers, has expanded its customer base to over 20 million, becoming the second-largest credit card issuer in the country. The company's legal name was changed to SBI Cards and Payment Services Limited from SBI Cards and Payment Services Private Limited on August 20, 2019. SBI Card was the first pure-play credit card company to be listed on the Indian stock exchange in March 2020. It operates in more than 145 cities across India.

Its credit cards offer an accelerated rewards structure, welcome gifts, movie tickets, complimentary airport lounge access, and much more. This state-owned bank provides a broad range of credit cards, making it easy for customers to find one that meets their needs. Additionally, customers can transfer balances from other bank credit cards to an SBI credit card and pay the dues at a lower interest rate. The balance can also be transferred to EMIs. Several value-added services such as Encash – Money on Call facility, and Zero lost card liability further enhance its appeal.

List of Best SBI Credit Cards in India 2025

SBI offers a variety of credit cards for different purposes, including travel, lifestyle, rewards, and shopping. Interested in learning about the cashback and reward point offers on SBI credit cards? Check out the table below.

SBI Lifestyle Cards

Cards	Annual Fee (one-time)	Renewal Fee(per annum
SBI Card ELITE	₹4,999	₹4,999
SBI Card PULSE	₹1,499 + Taxes	₹1,499 + Taxes

SBI ELITE Credit Card

Here are the main features and benefits of SBI Elite Credit Card:

• Welcome e-gift voucher worth 5,000 from Shoppers Stop, Pantaloons, Yatra, Bata/Hush Puppies, and Aditya Birla Fashion.
• 5X reward points on dining, grocery, and departmental stores.
• Free movie tickets worth ₹6,000 per year.
• 6 complimentary international airport lounge visits per calendar year.
• 2 complimentary domestic airport lounge visits every quarter.

SBI Card PULSE

Here are the main features and benefits of SBI Card PULSE:

• Receive a Noise ColorFit Pulse 2 Max Smart Watch valued at Rs. 5,999 when you pay the joining fee.
• Free one-year FITPASS PRO Membership, renewed annually with your card.
• Free one-year Netmeds First Membership, renewed annually with your card.
• 10 Reward Points for every Rs. 100 spent on pharmacy, sports, dining, and movie expenses.
• 8 complimentary visits to domestic lounges per year, with a limit of 2 visits per quarter.

SBI Reward Cards

Cards	Annual Fee (one time)	Renewal Fee (per annum)
SBI Card PRIME	₹2,999 + Taxes	₹2,999 + Taxes
SBI Card PRIME Advantage	₹2,999 + Taxes	₹2,999 + Taxes
Cashback SBI Card	₹999	₹999 (Reversed if annual spending of last year >=₹2,00,000)
Apollo SBI Card	₹499	₹499 (Waived off on spending ₹1,00,000 in the previous year)
Paytm SBI Card Select	₹1,499	₹1,499

SBI Card PRIME

Here are the main features and benefits of SBI Card PRIME:

• Welcome E-voucher worth INR 3,000 of Marks and Spencer, Yatra.com, Shopper Stop, Bata/Hush Puppies and Pantaloons.
• Pizza Hut E-voucher of ₹1,000 on ₹50,000 calendar quarter spends.
• E-Gift voucher worth ₹7,000 from Yatra.com/Pantaloons on annual ₹5 lakh spend.
• 10 reward points on every ₹100 spent on groceries, dining, movies, and departmental stores.
• 4 complimentary visits a year to International Priority Pass Lounges.
• 2 lounge access for the domestic airports every quarter.
• Maximum 1000 points on registration of complimentary Trident Privilege Red Tier membership.

SBI Card PRIME Advantage

Here are the main features and benefits of the SBI Card PRIME Advantage:

• E-gift voucher worth ₹3,000 from Bata, Hush Puppies, Pantaloons, and more.
• 20 reward points per ₹100 spent on utility bill payments.
• 10 reward points per  ₹100 spent on dining, grocery, and movie spends.
• 4 complimentary visits to international airport lounges in a year.
• 8 complimentary visits to domestic airport lounges in a year.
• 20 reward points per ₹100 spent on birthday.

Cashback SBI Card

Here are the main features and benefits of Cashback SBI Credit Card:

• 5% cashback on online transactions without any merchant restriction.
• 1% cashback on offline purchases.
• 1% fuel surcharge waiver on transactions between ₹500 and ₹3,000.

Apollo SBI Card

Here are the main features and benefits of Apollo SBI Credit Card:

• Get 500 reward points worth ₹500 on payment of joining fee.
• Complimentary Apollo Gold Tier membership.
• 3X reward points on every ₹100 spent on all Apollo services.
• 10% instant discount at select Apollo services.
• 1% fuel surcharge waiver at all petrol pumps in India.

Paytm SBI Card Select

Here are the main features and benefits of Paytm SBI Card Select:

• Enjoy Complimentary Paytm First Membership.
• Reward points worth ₹750.
• 5% cashback on Paytm Mall, movies, and travel.
• 2% cashback on all other purchases on the Paytm app.
• Cyber fraud insurance cover of ₹200,000 on your card.
• ₹2,000 voucher on achieving retail spends of ₹4 lakh in a year.
• ₹4,000 voucher on achieving retail spends of ₹6 lakh in a year.

SBI Shopping Cards

Cards	Annual Fee (one-time)	Renewal Fee (per annum)
SimplyCLICK SBI Card	₹499	₹499 (Reversed if annual spending of last year >=1,00,000)
SimplySAVE SBI Card	₹499	₹499 (Reversed if annual spending of last year >=1,00,000)
Reliance SBI Card PRIME	₹499 + Taxes	₹499 + Taxes (Reversed if annual spending on Reliance retail outlets is ₹1 lakh in the previous year)
Titan SBI Card	₹2,999 + Taxes	₹2,999 + Taxes
Shaurya Select SBI Card	NIL	₹1,499

SimplyCLICK SBI Card

Here are the main features and benefits of SimplyCLICK SBI Credit Card:

• 5X Reward Points on online spends.
• 10X reward points on our partnered websites like Amazon, Apollo24X7, BookMyShow, Cleartrip, Eazydiner, Lenskart, and Netmeds.
• Amazon.in gift card worth ₹500 on joining.
• E-voucher of ₹2000 on annual online spends of ₹1 to ₹2 lakhs.
• 1% fuel surcharge waiver on  transactions between ₹500 and ₹3,000.

SimplySAVE SBI Card

Here are the main features and benefits of the SimplySAVE SBI Credit Card:

• 10X Rewards on ₹150 spent on dining, movies, departmental stores and groceries.
• 1 reward point per ₹150 spent on other spends. 
• Welcome Gift of 2,000 reward points on spending ₹2,000 within the first 60 days.
• On fuel payments of ₹500 to ₹3,000, get a 1% fuel surcharge waiver.

Reliance SBI Card PRIME

Here are the main features and benefits of Reliance SBI Card PRIME: 

• Reliance voucher worth ₹3,000 on payment of joining fees.
• ₹1,500 worth of Reliance Retail vouchers on annual spending of ₹75,000 at participating Reliance retail stores.
• 1 free movie ticker a month worth ₹250.
• 8 complimentary domestic airport lounge visits per calendar year.
• 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000.

Titan SBI Card

Here are the main features and benefits of Titan SBI Credit Card:

• 12,000 reward points worth ₹3,000 on annual fee payment.
• 3% value back on spends at Tanishq, subject to a quarterly cap.
• 5% cashback on sends at Mia, Zoya, and Caratlane.
• 8 complimentary domestic airport lounge visits.
• 1% fuel surcharge waiver on transactions up to ₹3,000.

Shaurya Select SBI Card

Here are the main features and benefits of Shaurya Select SBI Credit Card:

• Pizza Hut e-voucher worth ₹500 on achieving spends of ₹50,000 in a quarter.
• e-Gift voucher worth ₹7,000 from Yatra or Pantaloons on annual spends of ₹5 lakhs.
• 10 reward points per ₹100 spent on dining, movies, department stores, and grocery.
• Complimentary personal accident insurance cover of ₹10 lakh.

SBI Travel Cards

Cards	Annual Fees (one-time)	Renewal Fee (per annum)
IRCTC SBI Platinum Card	₹500	₹500
Yatra SBI Card	₹499 + Taxes	₹499 + Taxes (Reversed if total annual spends for last year >Rs. 100,000)
SBI Card Miles PRIME	₹2,999 + Taxes	₹2,999
KrisFlyer SBI Card Apex	₹9,999 + Taxes	₹9,999 + Taxes

IRCTC SBI Platinum Card

Here are the main features and benefits of IRCTC SBI Platinum Credit Card:

• Upto 10% value back as Reward Points for booking railway tickets in AC1, AC2, AC CC categories at irctc.co.in.
• 350 activation bonus Reward Points on spends of ₹500 and more within 45 days of the card issuance date.
• 1 reward point for every ₹125 spent on purchases other than fuel.
• 1% transaction charges waiver, exclusive of GST, on railway ticket bookings on irctc.co.in.
• Use reward points to book free train tickets, wherein 1 reward point equals to 1 rupee.
• 1% fuel surcharge waiver at all petrol pumps for transactions worth between ₹500 and ₹3,000 (Exclusive of GST and other charges).

Yatra SBI Card

Here are the main features and benefits of Yatra SBI Credit Card:

• Yatra voucher worth ₹8250 on this credit card
• Instant discount of ₹1,000 on total fare for domestic flight bookings on a minimum transaction of ₹5,000.
• Instant discount of ₹4,000 on total fare for International Flight Bookings for a minimum transaction of ₹40,000.
• Flat 20% discount on domestic hotel bookings on a minimum transaction of ₹3,000.
• Complimentary air accidental death cover of ₹50 lakh available for Primary cardholders while booking ticket at Yatra.com.

SBI Card Miles PRIME

Here are the main features and benefits of SBI Card Miles PRIME:

• 3,000 travel credits as a welcome gift.
• 4 travel credits for every ₹200 you spend on travel.
• 2 travel credits for every ₹200 on all other spends.
• 8 free domestic airport lounge visits every year.
• Access to 1000+ international airport lounges with Priority Pass Membership.

KrisFlyer SBI Card Apex

Here are the main features and benefits of KrisFlyer SBI Card Apex: 

• 10,000 KrisFlyer miles on payment of annual fees.
• 10 KrisFlyer miles per ₹200 spent on Singapore Airlines Group.
• 8 KrisFlyer miles per ₹100 spent on international spends.
• 2 complimentary domestic airport lounge visits in a quarter.
• 8 complimentary international airport lounge visits per year.

SBI Fuel Cards

Cards	Annual Fees (one-time)	Renewal Fees (per annum)
BPCL SBI Card	₹499	₹499
BPCL SBI Card Octane	₹1,499	₹1,499

BPCL SBI Card

Here are the main features and benefits of BPCL SBI Credit Card:

• Welcome offer of 2000 bonus reward points on the payment of joining fee.
• 4.25% value back ~ 13X reward points on fuel purchases at authorized BPCL outlets.
• An additional 0.75% value back will be credited as per mandate from the Government of India.
• Earn 1 reward point for every ₹100 spent on all fuel and retail purchases.
• 5X reward points on every ₹100 spent at Groceries, Departmental stores, Movies & Dining.

BPCL SBI Card Octane

Here are the main features and benefits of BPCL SBI Card Octane:

• 6,000 bonus reward points equivalent to ₹1,50 on payment of. 
• 7.25% value back ~ 25X reward points on fuel purchases at BPCL petrol pumps.
• 25 reward points on every ₹100 spent at BPCL Fuel, Lubricants & Bharat Gas.
• 10 reward points on every ₹100 spent at Groceries, Departmental stores, Movies & Dining.
• 4 complimentary domestic airport lounge visits in India.

SBI Credit Card Eligibility Criteria

Here are the basic requirements to get an SBI Credit Card:

• The applicant should be a citizen of India.
• You should be over 18 years of age to apply for SBI credit cards.
• One should have a good credit history with no loan or credit card default.

Documents Required for SBI Credit Card

Here are the key documents you need for applying for an SBI credit card: 

• You should have at least 1 passport-sized photograph.
• Address proof like Passport, Ration card, Electricity bill, Aadhar card has to be submitted.
• Applicant should possess PAN Card and Passport, Adhar Card as identity proof.
• Salary slips/certificate for last 3 months/latest bank statement indicating salary credited for minimum 3 months and Income tax return statement.

SBI Credit Card Fees and Charges

Here are some common fees and charges for SBI Credit Cards, as listed in the table below:

Fees and Charges	Detail
Joining/Annual Fees	Varies from card to card
Cash Advance Fee	2.5% or ₹500, whichever is higher
Late Payment Charges	For outstanding balances: Up to ₹500: No fee ₹500 to ₹1,000: ₹400 ₹1,000 to ₹10,000: ₹750 ₹10,000 to ₹25,000: ₹950 ₹25,000 to ₹50,000: ₹1,100 >₹50,000: ₹1,300

How to Apply for an SBI Credit Card Online?

You can apply for SBI Credit Card at Wishfin, an online platform that displays the information on various credit cards. There is no login required as you can visit the official page of Wishfin and then go to the credit card section, which is full of exciting offers. By mentioning a few personal and professional details, the quotes of various card offers will appear on the screen. This is a simple and seamless process to apply online at Wishfin.

Apply on WhatsApp Application

Here are the steps you need to follow to apply for SBI credit card using WhatsApp:

• Click Apply with the ease of WhatsApp Chat as shown on the credit card section at Wishfin.
• Then, a page will open asking you to input your mobile number.
• Enter your number and click ‘Continue with WhatsApp’.
• You will receive an SMS containing a WhatsApp link.
• Click on the link and you will get added to a group featuring you and Wishfin.
• You just need to fill in a few personal and professional details before submitting your application.

Apply via Wishfin Chat

Here are the steps when looking to apply for SBI Credit card through Wishfin chat:

• Click the ‘Use Wishfin Chat’ link.
• Mention a few personal and professional details.
• Submit the details.

How to Check SBI Card Application Status?

• Log on to sbicard.com
• Go to Track Your Application
• Enter Application Reference Number
• Click on ‘Track’
• The status would show on the screen

SBI Credit Card Customer Care Number

For any questions about your credit card, including payment schedules, reward offers, statement issuance, fees, and other concerns, you can contact our helpline numbers at 1860-180-1290 and 1800-180-1290. Our customer care representatives will listen to your concerns patiently and provide you with suitable solutions.

SBI Credit Card PIN Generate

You can generate a new PIN online by visiting the website of the public lender. All you need to do is to log in to your SBI account online and then click on ‘My Account’ on the left side menu. Afterward, you need to follow the steps described below.

• Click on ‘Manage PIN’
• Select the card for which you need the PIN
• Click on the ‘Generate OTP’ tab
• Input the OTP
• Enter and re-enter the new PIN
• Click on the ‘Submit’ button

SBI Credit Card Online Payment

Not paying your SBI credit card bills on time can lead to late payment charges, increased interest, and applicable taxes, which raise the total amount due. This often affects those who don't use convenient online payment methods and instead rely on cash and checks. You can log in to SBI's Internet Banking and pay your credit card bill in the Bill Desk section. You can also use the net banking services of other banks to transfer the dues to your SBI credit card account. Additionally, you can use mobile banking and set up the Electronic Clearing Service (ECS) to ensure your bills are paid on or before the due date. Online methods are generally more convenient than dropping checks at bank ATMs or depositing cash at branches.

In a nutshell, the payment can be made via the following modes

• Net banking
• Mobile banking
• Cash
• Cheque
• Demand draft

SBI Credit Card Statement

Whenever the bill is generated, you'll receive an email statement indicating the due amount and due date. This statement will detail the expenditures made on the card, the reward points earned, and more. It will also show the minimum amount due, calculated at 5% of the outstanding balance. This statement will keep you informed about your credit card transactions and help ensure timely repayment.

FREQUENTLY ASKED QUESTIONS

1. Is there a specific app for SBI credit cards?

2. What is the minimum salary to apply for an SBI Credit Card?

3. Is it possible to use your Credit card at an ATM?

4. What is the process to close my SBI credit card account?

5. Do SBI credit cards have a balance transfer feature?

6. What is the eligibility to apply for an SBI credit card?

7. Are Credit Cards by SBI accepted all over the world?

8. What are the charges charged by SBI on their credit cards?

9. Is there any free SBI credit card?

10. How long does it take to obtain an SBI credit card?

To Know More Details:- https://www.sbicard.com/