SBI Credit cards available with prime features

SBI Card Credit Cards

State Bank of India (SBI) provides a wide range of Credit Card options, including Lifestyle Credit Cards, Shopping Credit Cards, Rewards Credit Cards, Travel Credit Cards, Lifetime Free Credit Cards, and Fuel Credit Cards. SBI credit cards come with various offers, discounts, and reward points.

Name of the Card	Joining Fee	Annual Fee	Best For
SimplyCLICK SBI Card	Rs. 499	Rs. 499	Shopping
SBI Elite Credit Card	Rs. 4,999	Rs. 4,999	Lifestyle, Shopping, Travel
SimplySAVE SBI Card	Rs. 499	Rs. 499	Shopping
SBI Card Unnati	Nil	Rs. 499 (5th year onwards)	Shopping & Rewards
SBI Card Prime	Rs. 2,999	Rs. 2,999	Rewards & Travel
SBI Card PRIME Advantage	Rs. 2,999	Rs. 2,999	Rewards & Travel
SBI Elite Advantage	Rs. 4,999	Rs. 4,999	Lifestyle & Rewards
SimplySAVE Advantage SBI Card	Rs. 499	Rs. 499	Shopping & Rewards
SimplyCLICK Advantage Card	Rs. 499	Rs. 499	Shopping & Rewards
Doctor’s SBI Card	Rs. 1,499	Rs. 1,499	Lifestyle & Rewards

SBI Credit Cards are among the most preferred Credit Card options in the country since their entry in the market in the year 1998. Today they have become the second largest Best Credit Card Provider in India, with millions of satisfied customers who are availing wide range of SBI Debit Card & credit card benefits.

Some features and benefits that set SBI Credit Cards apart from the rest are as follows:

Email and SMS notification: With every transaction, you have the advantage of real-time transaction details and Credit Card limit alerts that are sent to you via emails and SMS.
Safe and Secure Cards: These cards use pin and chip technology, which is accepted worldwide and can be used in millions of outlets across the globe.
Increase Credit Limit: You have the option of increasing your Credit Card limit when you deem necessary.
Online Account Access: You can access your Credit Card account from anywhere in the world to check transactions and limit on your card.
Control your spending: You can add daily, weekly, and monthly limits to limit your spending on the card.
Insurance: You can choose insurance options for card theft in addition to accessing health, mobile phone, automobile and travel insurance on your SBI Credit Card for emergencies.

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SBI Credit Cards are powered-packed Credit Cards that are also backed by MasterCard/Visa Privileges and SBI Card advantage. Owning an SBI Credit Card, you hold an international card that is accepted in more than 24 million outlets across the globe. Each SBI Card is carefully designed to meet the customized need of each segment of customers, varying from travel, shopping, rewards & cash back to lifestyle to dining and much more.

Some of the common benefits which are akin to each SBI cardholder include:

Reward points: With your SBI Credit Card, you earn rewards points on retail purchases made for online booking, movie tickets booking, dining, and departmental stores. You can conveniently redeem these points to pay back your Card outstanding or avail amazing gifts or gift vouchers listed on rewards booklet.
Special offers: You can get several offers including special weekly offers, and exclusive Visa offers on your transactions.
Discount offers: Many of the SBI Cards are wrapped with welcome gift vouchers and discount schemes with partner websites and retail stores.
Fuel surcharge waiver: Your SBI Card also helps you save every time you refill fuel at the petrol pumps across the country. You earn 1% surcharge waiver, subject to a monthly limit that is defined on each card.
Global acceptance: SBI Cards are globally accepted and can be used as international cards. SBI Travel Cards also bring free global replacement benefit. You can seek emergency card replacement service if you lose or break the card on the foreign land.
Flexipay: Flexipay EMI allows you to convert your retail purchases via card into equated monthly instalments.
Lower interest rate using BT facility: Balance Transfer (BT) facility on your SBI Card enables you to save while paying out your credit card dues. You can transfer your other banks’ credit cards’ outstanding balance to your SBI Card at an affordable EMI which is calculated at a lower rate of interest.
Easy Bill Pay Facility: Easy online payment options ensure that you never miss any repayments on your card.
Easy Cash: Easy encashment options allow you to get cash via online or phone requests for any additional cash requirement.
Lowest Forex Markup: You enjoy the lowest Foreign Currency Mark-up Charge of 1.99% on International use of SBI Card.
Club Vistara Membership: As a select SBI credit card member, you also get complimentary Club Vistara Silver membership.
Trident Privilege Membership: Another complimentary membership is Trident Privilege Red Tier
International Lounge Program: You can enjoy complimentary Priority Pass Program membership worth which makes you eligible for visits to select International Airport Lounge visits.
Domestic Lounge Program: Likewise, you also enjoy complimentary access to the Domestic Airport Lounge.
Milestone Privileges: With each card, you can earn Bonus Reward Points every year on crossing an annual milestone. The milestone privileges include annual recharge fee waiver, 1000s of reward points and much more.

Following is the list of common documents to be submitted by each applicant for approval of the SBI Credit Card:

Identity Proof Documents
- Aadhar
- Passport
- Voter’s ID Card
- Driving License
- PAN Card
Address Proof Documents
- Aadhaar card
- Driver’s License
- Any of the utility bills such as telephone bill, water bill, insurance, piped gas bill, postpaid mobile bill or electricity bill. The bills should not be more than 2 months old.
- Property/Municipal Tax receipt
- Payment orders for pension or family pension issued by State/Central Government departments to retired employees.
- Letter of allotment of accommodation provided by the employer.
Income Proof Documents
- Latest salary slips (not more than 3 months old)
- Last 3 month’ bank statement
- ITR
- Form 16
Age Proof Documents
- Birth certificate
- Class X Certificate
- voter’s ID

Annual & renewal fees: Annual fee is a one-time charge & renewal fee is charged every year. These charges may vary for different card variants and cardholders.
Cash advance fee: 2.5% or Rs. 500, whichever is higher at domestic ATMs & 2.5% or Rs. 500, whichever is higher at international ATMs.
Cash payment fee: Rs.199 + all applicable taxes.
Finance charges: Up to 3.50% per month or 42% per annum from the date of transaction (minimum Rs. 25 for each transaction, exclusive of applicable taxes).
Late payment charges:
Total amount due Rs. 0 – Rs. 500: NIL
Total amount due above Rs. 500 & up to Rs. 1,000: Rs. 400
Total amount due above Rs. 1000 & up to Rs. 10,000: Rs. 750
Total amount due above Rs. 10,000 & up to Rs. 25,000: Rs. 950
Total amount due above Rs. 25,000 & up to Rs. 50,000: Rs. 1,100
Total amount due above Rs. 50,000: Rs. 1300
SBI will also levy an additional late payment charge of Rs. 100 on missing Minimum Amount Due payment by the due date for 2 consecutive cycles.
Overlimit fees: 2.5 % of the overlimit amount or Rs. 600, whichever is higher.
Payment dishonour fee: 2% of payment amount, minimum Rs. 500
Card replacement: Rs. 100 – Rs. 250 (Rs. 1,500 for Aurum)
Statement retrieval fee: Rs. 100 per statement for more than 2 months old statements
Foreign Currency Transaction fee: 1.99% for Elite & Aurum Cardholders and 3.5% for all other cards.
Network change fee: Rs. 200
Ad-hoc credit limit increase fee: Rs 200
Cheque payment fee: Rs. 100
Dynamic & Static Conversion Markup fee: 1.99% for Elite & Aurum cards and 3.50% for all other cards (Only for transactions above or equal to Rs. 1,000).

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SBI Credit Card can be applied by salaried individuals, self-employed professionals, and businessmen. However, to apply they need to fulfill the eligibility criteria as decided by the bank.

Eligibility Criteria	Salaried Employees/Self-employed professionals, and businessmen
Monthly Salary or ITR	Minimum monthly salary Rs. 20,000 (For salaried employees) Annual ITR of Rs. 5 Lakhs (For Self-employed professionals and business owners)
Credit Score	Good credit score e.g. 700 and above (Subject to the bank’s internal credit checking process)
Age	21 years and above

The SBI credit card eligibility criteria for each type of Card differ greatly. To check eligibility for a particular card, the common SBI credit card eligibility factors based on the requirement and the income of the applicant are:

Minimum age: 21 years
Maximum age: 60 years
Applicant must have a regular source of income
Applicant must have a decent credit score
Minimum salary should be 20,000 per month

Balance Transfer: How to Use the BT Feature and What are the Benefits?

The Balance Transfer (BT) facility on your SBI Credit Card enables you to transfer the outstanding balance on your other credit cards from other banks to your SBI Card at a lower rate of interest. When you decide to pay back this transferred balance in EMIs, the facility is called as BT on EMI.

You can book Balance Transfer on credit card in 3 simple ways:

Accessing your Online SBI Card Account: Login and click ‘Benefits.’ Further, select ‘Balance Transfer’ and fill the application. You can instantly share details and book BT.
SMS Service: Send text message “BT” to 56767
SBI Helpline: Call SBI Card helpline and request for BT service.
You can also Login and speak with Chatbot ELA, for booking BT.

Benefits of booking balance transfer on your SBI Card

Hassle free, instant booking.
Converts outstanding credit of other bank cards at a lower rate of interest.
You can opt to pay back in EMIs.
Facility to consolidate your credit card dues.
You get the flexibility to transfer amount ranging from 5000 to 75 % limit of the available card limit.

SBI Credit Card Reward Points

With every swipe, you earn reward points on your SBI Credit Card. These reward points can be redeemed to make several online purchases through associated vendors or through a dedicated online store on www.sbicard.com.

How do you earn reward points?

The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:

Choose the card type
Click on “Terms and Conditions” on the left hand side
Click on the “Shop and Smile” reward program
The points that you have earned will be mentioned under the “Points Earned Accumulated/ Redeemed” section in your account.

How to check your rewards summary?

To check the rewards that you have earned:

Refer to your latest statement
Log on to your account on sbicard.com. Go to the Dashboard and find the reward points and summary section.
SMS “Rewards XXXX” to 5676791 from your registered mobile number. XXXX stands for the last four digits of your Credit Card.

How to redeem the reward points?

You can redeem your reward points against Gift Vouchers through www.sbicard.com or on the SBI Card mobile app. In the “Rewards” section, click on “Redeem rewards” to see the various vouchers available.
You can also redeem your reward points against cash. Call the helpline or write to customer care on the email link provided on www.sbicard.com.

Bill Payment Options for SBI Credit Card

You have both online and offline options to pay your Credit Card bill.

Online SBI Card bill payment

The various SBI Card online payment options available are as follows:

NEFT payment
Paynet – Pay Online
Visa Credit Card Pay
Using internet banking services of your SBI current/ savings account
Electronic bill payment using the net banking services of your current bank account.
National Automated Clearing House
Use any debit card to pay the SBI Card bill online through your account.
Pay via SBI mobile app
Pay via UPI
Pay Via YONO

Offline SBI credit card payment options

You can pay over the counter in your nearest SBI branch.
Deposit payment cheques in electronic drop boxes.
Drop payment cheques at your nearest SBI drop box.
Pay using your SBI Debit Card via any SBI ATM.

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SBI Credit Card Reward Points

How do you earn reward points?

The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:

Choose the card type
Click on “Terms and Conditions” on the left hand side
Click on the “Shop and Smile” reward program
The points that you have earned will be mentioned under the “Points Earned Accumulated/ Redeemed” section in your account.

How to check your rewards summary?

To check the rewards that you have earned:

Refer to your latest statement
Log on to your account on sbicard.com. Go to the Dashboard and find the reward points and summary section.
SMS “Rewards XXXX” to 5676791 from your registered mobile number. XXXX stands for the last four digits of your Credit Card.

How to redeem the reward points?

You can redeem your reward points against Gift Vouchers through www.sbicard.com or on the SBI Card mobile app. In the “Rewards” section, click on “Redeem rewards” to see the various vouchers available.
You can also redeem your reward points against cash. Call the helpline or write to customer care on the email link provided on sbicard.com.

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Balance Transfer: How to Use the BT Feature and What are the Benefits?

SBI Credit Card Reward Points

How do you earn reward points?

How to check your rewards summary?

How to redeem the reward points?

Bill Payment Options for SBI Credit Card

SBI Credit Card Reward Points

How do you earn reward points?

How to check your rewards summary?

How to redeem the reward points?

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