When it comes to credit cards, State Bank of India (SBI) offers a wide range of options tailored to meet the diverse needs of its customers.
Whether you’re a frequent traveler, a shopping enthusiast, or someone looking for premium benefits, SBI has a credit card for you. In this blog, we’ll explore the best SBI credit cards for 2025, their key features, benefits, and fees.
SBI Elite Credit Card
Annual Fee: Rs. 4,999 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 5 reward points for every Rs. 100 spent on dining, groceries, and departmental stores.
- Complimentary lounge access at domestic and international airports.
- Annual fee waiver on spending Rs. 10 lakhs or more in a year.
- Air accident cover of up to Rs. 2 crores.
- Lost card liability cover of up to Rs. 2 lakhs.
- Golf benefits: Free golf lessons and access to premium golf courses.
SBI Prime Credit Card
Annual Fee: Rs. 2,999 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 4 reward points for every Rs. 100 spent on all purchases.
- Unlimited lounge access at domestic and international airports.
- Annual fee waiver on spending Rs. 3 lakhs or more in a year.
- Discounts on hotel bookings and flight tickets.
- 1% fuel surcharge waiver at all fuel stations across India.
SBI SimplyCLICK Credit Card
Annual Fee: Rs. 499 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 10X reward points on online spends with partner merchants like Amazon, BookMyShow, and more.
- Annual fee waiver on spending Rs. 1 lakh or more in a year.
- Welcome benefit: Get a voucher worth Rs. 500 from Amazon on payment of the joining fee.
- 1% fuel surcharge waiver at all fuel stations.
- Exclusive discounts on e-commerce platforms and dining.
SBI BPCL Octane Credit Card
Annual Fee: Rs. 1499 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 6.25% value back on fuel spends at BPCL petrol pumps.
- Earn 4X reward points on dining, groceries, and movies.
- Annual fee waiver on spending Rs. 3 lakhs or more in a year.
- Complimentary lounge access at domestic airports.
- 1% fuel surcharge waiver at all fuel stations.
SBI Aurum Credit Card
Annual Fee: Rs. 10,000 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Unlimited complimentary lounge access for you and your guests.
- Earn 5 reward points for every Rs. 100 spent on all purchases.
- Annual fee waiver on spending Rs. 25 lakhs or more in a year.
- Golf benefits: Complimentary golf lessons and access to premium golf courses.
- Comprehensive travel insurance and lost card liability cover.
SBI IRCTC Platinum Credit Card
Annual Fee: Rs. 499 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- 10% discount on train ticket bookings through IRCTC.
- Earn 4X reward points on railway ticket bookings and IRCTC hotel stays.
- Annual fee waiver on spending Rs. 1 lakh or more in a year.
- Complimentary lounge access at select railway stations.
- 1% fuel surcharge waiver at all fuel stations.
SBI SimplySAVE Credit Card
Annual Fee: Rs. 499 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 10X reward points on grocery, departmental store, and movie spends.
- Annual fee waiver on spending Rs. 1 lakh or more in a year.
- 1% fuel surcharge waiver at all fuel stations.
- Discounts on dining and movie tickets.
- Welcome benefit: Get a voucher worth Rs. 500 on payment of the joining fee.
SBI Unnati Credit Card
Annual Fee: Rs. 0 + GST (Lifetime Free)
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- No joining or annual fees.
- Earn 2X reward points on all spends.
- 1% fuel surcharge waiver at all fuel stations.
- Discounts on dining and movie tickets.
- Ideal for first-time credit card users.
SBI Air India Signature Credit Card
Annual Fee: Rs. 4,999 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn Air India miles on every spend.
- Complimentary lounge access at domestic and international airports.
- Annual fee waiver on spending Rs. 5 lakhs or more in a year.
- Discounts on Air India flight bookings.
- Travel insurance and lost card liability cover.
SBI Pulse Credit Card
Annual Fee: Rs. 999 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 5X reward points on spends at health and wellness outlets.
- Annual fee waiver on spending Rs. 2 lakhs or more in a year.
- 1% fuel surcharge waiver at all fuel stations.
- Discounts on gym memberships and health check-ups.
- Welcome benefit: Get a voucher worth Rs. 500 on payment of the joining fee.
SBI FBB StyleUp Credit Card
Annual Fee: Rs. 499 + GST
Key Benefits:
Here are some key benefits of this credit card. Below are the benefits:
- Earn 10X reward points on spends at FBB stores.
- Annual fee waiver on spending Rs. 1 lakh or more in a year.
- 1% fuel surcharge waiver at all fuel stations.
- Discounts on fashion and lifestyle purchases.
- Welcome benefit: Get a voucher worth Rs. 500 on payment of the joining fee.
How to Choose the Best SBI Credit Card for You?
When selecting an SBI credit card, consider the following factors:
- Spending Habits: Choose a card that aligns with your spending patterns (e.g., travel, dining, shopping).
- Fees: Look for cards with reasonable joining and annual fees, or those that offer fee waivers.
- Rewards and Benefits: Opt for cards that offer maximum rewards and benefits in categories you frequently spend on.
- Lifestyle Needs: If you travel often, prioritize cards with lounge access and travel insurance.
Why Choose SBI Credit Cards?
SBI is one of the most trusted and largest banks in India, and its credit cards are known for their affordability, wide acceptance, and attractive rewards. Here are some reasons why SBI credit cards stand out:
- Wide Range of Options: From cashback to travel and premium cards, SBI offers something for everyone.
- Affordable Fees: SBI credit cards come with low joining and annual fees compared to other banks.
- Rewarding Programs: Earn points, cashback, and discounts on everyday spending.
- Easy Accessibility: SBI’s vast network ensures easy application and customer support.
- Exclusive Offers: Enjoy discounts on dining, shopping, travel, and more.
Tips to Maximize Your SBI Credit Card Benefits
- Pay Your Bills on Time: Avoid late fees and interest charges.
- Use Reward Points Wisely: Redeem points for maximum value.
- Track Offers: Stay updated on discounts and cashback offers.
- Monitor Your Spending: Keep track of your expenses to avoid overspending.
Conclusion
SBI credit cards are a great way to save money, earn rewards, and enjoy exclusive benefits. Whether you’re a frequent traveler, an online shopper, or someone who loves dining out, there’s an SBI credit card for you. Choose the one that aligns with your lifestyle and start enjoying the perks today!
Disclaimer: The information provided in this blog is for informational purposes only. Please check the official SBI Card website for the latest updates and terms & conditions.
SBI Credit Card FAQs
Age: Applicants must be between 21 and 60 years old.
Income: Minimum income requirements vary depending on the card. For example:
SimplyCLICK: ₹2 lakh per annum.
SBI Card PRIME: ₹6 lakh per annum.
SBI Elite: ₹12 lakh per annum.
Credit Score: A good credit score (750 or above) is preferred.
You can apply online through the official SBI Card website or offline by visiting your nearest SBI branch. The process involves filling out an application form, submitting required documents (ID proof, address proof, income proof), and waiting for approval.
Identity Proof: Aadhaar card, PAN card, or passport.
Address Proof: Utility bill, Aadhaar card, or rental agreement.
Income Proof: Salary slips, bank statements, or ITR.
Once your application is approved, it typically takes 7-10 working days to receive your card. However, the timeline may vary depending on document verification and other factors.
The fees vary depending on the card:
Joining Fee: Ranges from ₹499 (SimplyCLICK) to ₹4,999 (SBI Elite).
Annual Fee: Often waived if you meet the spending criteria (e.g., ₹1 lakh for SimplyCLICK, ₹3 lakh for SBI Card PRIME).
Other Charges: Late payment fees, cash advance fees, and foreign transaction fees may apply.
Online: Log in to the SBI Card website or mobile app.
SMS: Send an SMS to the designated number provided by SBI Card.
Customer Care: Call the SBI Card helpline for assistance.
1. Log in to your SBI Card account.
2. Navigate to the rewards section.
3. Choose your preferred redemption option (e.g., cashback, gift vouchers, or merchandise).
4. Follow the instructions to complete the redemption.
Yes, SBI offers EMI conversion on eligible purchases. You can convert your bill into EMIs through the SBI Card app, website, or customer care.
Immediately report the loss to SBI Card customer care or block your card through the SBI Card app/website. A replacement card will be issued, and you will not be held liable for any unauthorized transactions.
SBI does not have specific credit cards for students, but first-time users can apply for entry-level cards like SBI SimplySAVE or SimplyCLICK, which have lower eligibility criteria.
SBI credit cards are transparent about their fees and charges. However, always read the terms and conditions to understand charges like late payment fees, cash advance fees, and foreign transaction fees.
Yes, you can request an upgrade to a higher-tier card if you meet the eligibility criteria. Contact SBI Card customer care or visit the website to check your upgrade options.
SBI travel credit cards like SBI Card PRIME and SBI Elite offer benefits such as:
1. Complimentary airport lounge access.
2. Travel insurance.
3. Discounts on flight and hotel bookings.
4. Reward points on travel spends.
You can activate your card:
Online: Through the SBI Card website or app.
SMS: Send an activation SMS to the designated number.
Customer Care: Call the helpline and follow the instructions.
The credit limit depends on your income, credit score, and repayment history. It can range from ₹20,000 for entry-level cards to several lakhs for premium cards.
Yes, SBI credit cards are accepted globally. However, foreign transaction fees (typically 2-3.5%) may apply.
To close your card:
1. Clear all outstanding dues.
2. Contact SBI Card customer care and request card closure.
3. Submit a written application if required.
Reward points are typically valid for 24-36 months, depending on the card. Ensure you redeem your points before they expire.
Yes, self-employed individuals can apply for SBI credit cards by submitting income proof such as ITR, bank statements, or business registration documents.
Helpline: 1860 500 1290 or 39 02 02 02 (prefix STD code).
Email: Reach out via the contact form on the SBI Card website.
App: Use the SBI Card app for quick assistance.