SBI Credit Card Apply 2024 Review – Types, Details & Benefits: If you are thinking of taking a credit card, then you can also consider SBI Bank’s credit card. Before applying for a credit card, you must know what a credit card is.
With the help of credit card, you can do any kind of shopping or other expenses online or offline. The advantages of SBI credit card are many. In this article, we will know in detail what is SBI credit card, eligibility to apply for credit card, what are the documents and how can we apply for this card etc., so you read this article till the end.
SBI Credit Card Review
Before applying for SBI Bank Credit Card, you need to know what is SBI Credit Card? A credit card is a financial instrument that allows you to make transactions without making immediate payments. In the credit card, you are given a limit which is called SBI Credit Card limit. You cannot do more transactions than this limit. You have to pay this credit bill at the end of the month.
This credit limit given by the bank is given to the customer on the basis of factors like his CIBIL score, income, credit history. If your CIBIL score is very good and your income is very high and you have a stable employment then you can get credit limit up to a higher amount.
You can apply for SBI Credit Card both online and offline. If you face any problem in applying then you can get information by calling SBI Credit Card customer care number. The bank offers various types of credit cards according to the needs of the customers. Different cards may have different benefits and features.
Benefits of SBI Credit Card
SBI Bank offers several types of credit cards. The benefits can be different for different cards. If you use the credit card properly, then you can get many benefits from it. Here are the benefits of SBI Bank Credit Card which you can see:
- Transfer your other credit card dues to SBI Card at lower interest rates or convert your transactions into EMIs.
- You can save money by transferring your balance to SBI Credit Card with low interest rates.
- Flexible payment options that make you stress free.
- You can get cash from SBI credit card to meet your financial needs.
- You can get cash up to or above your credit limit.
- You can withdraw cash from any ATM in India with the help of SBI Credit Card.
- Make contactless payments and get benefits.
- Get benefits of insurance like health problems, accidents, card loss, card theft.
- With the help of SBI credit card, you can easily pay your utility bills.
- You can access your account from anywhere anytime by visiting the official website of SBI Card.
- Upgrade your SBI Cards for higher rewards and better privileges.
- Experience the joy of sharing with the free SBI Add-on Card.
- If you do not make your SBI credit card payment on time, then you may have to pay heavy SBI credit card interest rate, so pay your bills on time.
SBI Credit Card Types
There must be a question in your mind that how many types of SBI credit cards are there, then let us tell you that according to the official website of SBI Cards, the bank currently provides more than 70 credit card facilities. The benefits and features of each card may be different. With time, the bank can also make changes in these cards, so before applying for SBI credit card, please visit the official website of the bank once.
Here is the information about all the credit cards. You can find the best SBI Credit Card by comparing all these cards. Here are all the card types. SBI Credit Card Type:
SBI Lifestyle Cards
- SBI Card ELITE
- SBI Card PULSE
- Doctor’s SBI Card (in association with IMA)
- SBI Card ELITE Advantage
- Doctor’s SBI Card
SBI Reward Cards:
- SBI Card PRIME
- Aditya Birla SBI Card SELECT
- Aditya Birla SBI Card
- Ola Money SBI Card
- Apollo SBI Card
- SBI Card PRIME Advantage
- Tata Platinum Card
- Tata Titanium Card
- Paytm SBI Card SELECT
- Paytm SBI Card
SBI Shopping Cards:
- Nature’s Basket SBI Card Elite
- Nature’s Basket SBI Card
- FABINDIA SBI CARD SELECT
- FABINDIA SBI CARD
- Lifestyle Home Center SBI Card PRIME
- Max SBI Card PRIME
- Spar SBI Card PRIME
- Lifestyle Home Center SBI Card SELECT
- Max SBI Card SELECT
- Spar SBI Card SELECT
- Lifestyle Home Center SBI Card
- Max SBI Card
- Spar SBI Card
- SBI Simply Click Credit Card
- SimplySave SBI Card
- fbb SBI STYLEUP Card
- Central SBI Select+ Card
- Central SBI Select Card
- SBI Card Unnati Read full details
- SimplyCLICK Advantage SBI Card
- SimplySAVE Advantage SBI Card
- Shaurya SBI Card
- Shaurya Select SBI Card
SBI Travel & Fuel Cards:
- BPCL SBI Card Octane
- IRCTC SBI Card Premier
- IRCTC SBI Card (On RuPay Platform)
- Club Vistara SBI Card PRIME
- Club Vistara SBI Card
- Etihad Guest SBI Premier Card
- Etihad Guest SBI Card
- BPCL SBI Card
- Yatra SBI Card
- Air India SBI Signature Card
- Air India SBI Platinum Card
- Delhi Metro SBI Card
- IRCTC SBI Platinum Card
SBI Banking Partnership Cards:
- 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 SBI SimplySAVE Card
- South Indian Bank SBI Platinum Credit Card
- South Indian Bank Simply Save SBI Card
- KVB SBI Signature Card
- Karur Vysya Bank – SBI Platinum Credit Card
- Karur Vysya Bank – SBI Card
SBI Business Cards:
- SBI Card PRIME Business
- SBI Card ELITE Business
The benefits and features of all these credit cards are given in detail below:
SBI Card Elite:
The benefits and features of SBI Card Elite are as follows:
Benefits and Features:
- Welcome gift which costs Rs 5000.
- Free movie tickets worth Rs.6000 per year.
- Get 50,000 Bonus Reward Points worth Rs 12,500.
- 2 reward points for every Rs.100 spent excluding fuel.
- Complimentary membership of the $99 Priority Pass program.
- Domestic lounge Programs.
- Complimentary Club Vistara Silver Membership.
- Minimum forex markup.
- Special Concierge Service.
- Annual Fee: Rs. 4,999 + Taxes
- Renewal Fee: Rs. 4,999 + Taxes
SBI Card Pulse:
Benefits and Features:
- Noise Color Fit Pulse Smartwatch worth Rs.4,999 on payment of joining fee.
- 1 year complimentary FITPASS PRO membership every year upon card renewal.
- 10 reward points for every Rs.100 spent on Chemist, Pharmacy, Dining and Movies.
- Remission of renewal fee on annual expenditure of Rs.2 lakh.
- Fraudulent liability insurance cover of Rs 1 lakh.
- Air accident cover of Rs 50 lakh.
- Complimentary 8 domestic lounge visits.
- Annual Fee: Rs 1,499. + tex
- Renewal Fee: Rs 1,499. + tex
Read Also: SBI Cashback Credit Card Apply
Doctor’s SBI Card (In association with IMA):
This SBI Credit Card is the only credit card associated with the respected Indian Medical Association (IMA). The benefits and features of this card are as follows:
Benefits and Features:
- Professional indemnity insurance cover up to Rs.20 lakh.
- Welcome gift worth Rs 1,500.
- Avail 5X reward points on medical supplies, travel bookings and international spends.
- 1 reward point for every Rs.100 spent.
- The e-gift voucher from Yatra / Bata / Shoppers Stop is worth Rs.5,000 on receiving an annual expenditure of Rs.5 lakh.
- Complimentary membership to the Priority Pass program for $99.
- Domestic lounge Program benefits.
- Benefit of 1% fuel surcharge waiver.
- Annual Fee: Rs 1,499. + tex
- Renewal Fee: Rs 1,499. + tex
Read Also: Bank of India Credit Card Apply
SBI Card Elite Advantage:
Benefits and Features:
- Welcome gift worth Rs 5000.
- 6,000 free movie tickets every year.
- 12,500 Rs. Get up to 50,000 bonus reward points per year.
- Get 5X reward points on dining, departmental stores and grocery spends.
- Complimentary membership to the Priority Pass program for $99.
- Benefit of 2 complimentary domestic airport lounges every quarter in India.
- Club Vistara Membership.
- Minimum forex markup.
- Special Concierge Service.
- Annual Fee: Rs.4,999.
- Renewal Fee: Rs.4,999.
Read more here in full details of SBI Elite Credit Card
Doctor’s SBI Card:
Benefits and Features:
- Professional indemnity insurance cover of Rs 20 lakh.
- 1,500 e-gift voucher on joining.
- 5X reward points on medical supplies, travel bookings, international spends and Doctor’s Day.
- An e-gift voucher of Rs 5,000 on an annual expenditure of Rs 5 lakh.
- Annual Fee: Rs 1,499.
- Renewal fee: Rs 1,499.
Read Also: IDFC FIRST Bank Credit Card Apply
SBI Card Prime:
Benefits and Features:
- Benefit of e-gift voucher worth Rs.3,000.
- Avail 10 Reward Points for every Rs.100 spent on Dining, Grocery, Departmental Stores and Movies.
- Get Rs.1,000 Pizza Hut e-voucher for spending Rs.50,000 in a calendar quarter.
- Remission of renewal fee on annual expenditure of Rs.3 lakh.
- 7,000 e-gift voucher from Yatra.com/Pantaloons on achieving an annual spend of Rs.5 lakh.
- Complimentary Trident Privilege Red Tier Membership.
- Club Vistara Membership.
- 4 complimentary visits per calendar year to International Priority Pass lounges outside India.
- 20 reward points for every Rs.100 spent on your birthday.
- Annual fee: Rs 2,999.
- Renewal fee: Rs 2,999.
Aditya Birla SBI Card Select:
Benefits and Features:
- Get 6000 Reward Points worth Rs.1500 on payment of annual fee.
- Get 3000 Reward Points as Milestone Reward on an annual spend of Rs.1.5 Lakh.
- Get additional 3000 Reward Points as Milestone Rewards on an annual spend of Rs.3 Lakhs.
- Avail 20 Reward Points for every Rs.100 spent at Aditya Birla Stores.
- Avail 20 Reward Points for every Rs.100 spent on Dining, Entertainment and Hotels.
- Fuel surcharge waiver.
- Get 4 complimentary visits to domestic Visa lounges in India per calendar year.
- Annual Fee: Rs 1,499.
- Renewal fee: Rs 1,499.
Read Also:Citibank Credit Card Apply
NOTE: As we told you friends, SBI Bank provides more than 70 credit cards to the customers. Direct links of all these credit cards are given here. By clicking on the card you want to take advantage of, you can get more information about it and apply. You can see the list of all these credit cards by clicking on this link: SBI All Credit Cards
SBI Credit Card Fees & Charges
Many types of fees and charges are levied by the bank on the credit card. You can also contact your nearest bank branch for details regarding these charges. You can click on this link for detailed information on these charges: SBI Credit Card Charges
The annual fee and joining fee for the credit card are as follows:
| Card name | Annual Fee | Renewal fees |
| SBI Card Elite | Rs.4,999 + Taxes | 4,999 Rs. + Taxes |
| SBI Card Pulse | Rs.1,499 + Taxes | 1,499 Rs. + Taxes |
| Doctor’s SBI Card (In association with IMA) | Rs.1,499 + Taxes | 1,499 Rs. |
| SBI Card Elite Advantage | 4,999 Rs. | 4,999 Rs. |
| doctor’s sbi card | Rs.1,499 + Taxes | 1,499 Rs. |
| SBI Card Prime | 2,999 Rs.+ Taxes | 2,999 Rs. + Taxes |
| Aditya Birla SBI Card Select | Rs.1,499 + Taxes | 1,499 Rs. + Taxes |
| Aditya Birla SBI Card | Rs.499 + Taxes | 499 Rs. + Taxes |
| ola money sbi card | Zero | 499 Rs. |
| Apollo SBI Card | 499 Rs. | 499 Rs. |
| SBI Card Prime Advantage | 2,999 Rs. | 2,999 Rs. |
| Paytm SBI Card Select | 1,499 Rs. | 1,499 Rs. |
| Paytm SBI Card Read full details | 499 Rs. | 499 Rs. |
| Nature’s Basket SBI Card Elite | 4,999 Rs. + taxes | 4,999 Rs. + taxes |
| Nature’s Basket SBI Card | 1499 Rs. + Taxes | 1499 Rs. + Taxes |
| Fabindia SBI Card Selection | 1,499 Rs. | 1,499 Rs. |
| Fabindia SBI Card | 499 Rs. | 499 Rs. |
| Lifestyle Home Center SBI Card Prime | 2999 Rs. + Taxes | 2999 Rs. + Taxes |
| Max SBI Card Prime | 2999 Rs. + Taxes | 2999 Rs. + Taxes |
| Spar SBI Card Prime | 2999 Rs. + Taxes | 2999 Rs. + Taxes |
| Lifestyle Home Center SBI Card Select | 1499 Rs. + Taxes | 1499 Rs. + Taxes |
| Max SBI Card Select | 1499 Rs. | 1499 Rs. |
| Spar SBI Card Select | 1499 Rs. | 1499 Rs. |
| Lifestyle Home Center SBI Card | 499 Rs. + taxes | 499 Rs. + taxes |
| Max SBI Card | 499 Rs. + taxes | 499 Rs. + taxes |
| Spar SBI Card | 499 Rs. + taxes | 499 Rs. + taxes |
| Simpleclick SBI Card | 499 Rs. + Taxes | 499 Rs. + Taxes |
| SimpleSave SBI Card | 499 Rs. | 499 Rs. |
| fbb sbi styleup card | 499 Rs. | 499 Rs. |
| Central SBI Select+ Card | 2999 Rs. | 2999 Rs. |
| Central SBI Select Card | 750 Rs. | 750 Rs. |
| SBI Card Unnati | Zero | 499 Rs. |
| SimplyClick Advantage SBI Card | 499 Rs. | 499 Rs. |
| SimplySave Advantage SBI Card | 499 Rs. | 499 Rs. |
| Shaurya SBI Card | 250 Rs. | 250 Rs. |
| Shaurya Select SBI Card | Zero | 1,499 Rs. |
| bpcl sbi card octane | 1499 Rs. | 1499 Rs. |
| IRCTC SBI Card Premier | 1499 Rs. + Taxes | 1499 Rs. |
| IRCTC SBI Card (On RuPay Platform) | Rs.500 + Taxes | 300 Rs. |
| Club Vistara SBI Card Prime | 2999 Rs.+ Taxes | 2999 Rs. + Taxes |
| Club Vistara SBI Card | 1499 Rs. + Taxes | 1499 Rs. + Taxes |
| Etihad Guest SBI Premier Card | 4,999 Rs. + Taxes | 4,999 Rs. |
| Etihad Guest SBI Card | 1,499 Rs. | 1,499 Rs. |
| bpcl sbi card | 499 Rs. | 499 Rs. |
| travel sbi card | 499 Rs. + Taxes | 499 Rs. + Taxes |
| Air India SBI Signature Card | 4,999 Rs. | 4,999 Rs. |
| Air India SBI Platinum Card | 1,499 Rs. | 1,499 Rs. |
| Delhi Metro SBI Card | 499 Rs. | 499 Rs. |
| IRCTC SBI Platinum Card | 500 Rs. + Taxes | 300 Rs. |
| UCO Bank SBI Card Elite | 4,999 Rs. | Zero |
| UCO Bank SBI Card Prime | 2,999 Rs. | 2,999 Rs. |
| UCO Bank SimpleSave SBI Card | 499 Rs. + tex | 499 Rs. |
| Central Bank Of India SBI Elite Card | 4,999 Rs. | Zero |
| Central Bank Of India SBI Card Prime | 2,999 Rs. | 2,999 Rs. |
| Central Bank Of India SimpleSave SBI Card | 499 Rs. | 499 Rs. |
| City Union Bank SBI Card Prime | 2,999 Rs. | 2,999 Rs. |
| City Union Bank SimpleSave SBI Card | 499 Rs. | 499 Rs. |
| Allahabad Bank SBI Card Elite | 4,999 Rs. | Zero |
| Allahabad Bank SBI Card Prime | 2,999 Rs. | 2,999 Rs. |
| Allahabad Bank SimpleSave SBI Card | 499 Rs. | 499 Rs. |
| Karnataka Bank SBI Card Prime | 2,999 Rs. | 2,999 Rs. |
| Karnataka Bank SBI SimplySave Card | 499 Rs. + Taxes | 499 Rs. + Taxes |
| South Indian Bank SBI Platinum Credit Card | 2,999 Rs. | 2,999 Rs. |
| South Indian Bank Simple Save SBI Card | 499 Rs. | 499 Rs. |
| KVB SBI Signature Card | 4,999 Rs. | 4,999 Rs. |
| Karur Vysya Bank – SBI Platinum Credit Card | 2,999 Rs. | 2,999 Rs. |
| Karur Vysya Bank – SBI Card | 499 Rs. | 499 Rs. |
| SBI Card Prime Business | 2,999 Rs. | 2,999 Rs. |
| SBI Card Elite Business | 4,999 Rs. | 4,999 Rs. |
Eligibility for SBI Credit Card
You can apply for a credit card only if you fulfill its eligibility. The eligibility may also be different for different cards. Here are the eligibility to apply:
- Any salaried or self-employed individual can apply for SBI Credit Card.
- Your minimum age should be 21 years.
- Your maximum age should be 70 years.
- You should have a regular source of income from which you are getting a decent income.
- The customer should have a very good CIBIL score. Generally a score of 750 or above is considered a good score.
Documents Need for SBI Credit Card
Before applying for a credit card, you should keep all your necessary documents together so that whenever the bank asks for documents from you, you can show them all the documents immediately. There may be different documents for different cards. Documents to apply are as follows:
- Proof of Identity (Any one): Aadhar Card, Voter ID Card, PAN Card, Ration Card, Driving License, Passport etc.
- Address Proof (Any): Telephone Bill, Aadhar Card, Passport, Electricity Bill, Ration Card etc.
- Pan card
- Aadhar card copy or any valid government address proof
- Income Documents – Salary Slip, Income Tax Return etc.
- Other Documents
Read Also:Tamilnad Mercantile Bank Business Loan
How to Apply SBI Credit Card?
If you fulfill all the conditions of SBI Credit Card, then you can apply for it both online and offline. To apply, follow the steps given below:
SBI Credit Card Apply online
- To apply online, you must first visit the official website of SBI Card, sbicard.com.
- On the home page of the website, you will see the option of credit cards, click on it.
- After clicking, the list of all credit cards will open in front of you on the next page.
- Click on the option of Apply Now in front of the credit card for which you want to apply.
- The form will open in front of you.
- Enter the requested information in it and click on submit.
- After you submit the form, the bank officials will contact you and issue the further process.
How to Apply Offline for SBI Credit Card?
- To apply offline, you have to first go to your nearest SBI Bank branch.
- Go to the bank and meet the bank employee who will provide you complete information about the credit card.
- Then your documents will be verified.
- You have to fill a form and submit the documents to the bank.
- If your application is accepted, you will be issued a card.
How to Check SBI Credit Card Application Status?
If you have applied for a credit card then you can check your SBI credit card status both online and offline. To check offline, you have to visit your nearest bank branch. You can also check your status by calling SBI Credit Card customer care number. Follow the steps given below to check online status:
- First of all you have to visit the official website of SBI Card.
- After coming to the home page of the website, click on the option of Credit Cards.
- After that you will see the option of Track Credit Card Application, click on it.
- As soon as you click on this link, you will see a box on the next page.
- In this, you have to enter your application number / reference number and click on the option of Track.
- After clicking, the status of your application will appear in front of you.
SBI Credit Card Bill Payment
In a credit card, you are given a limit by the bank. As much as you use those money in a month, then you become a bill. You have to pay this bill at the end of the month. The bank provides you with many types of options, with the help of which you can make your SBI credit card bill payment. Here is information about these options:
Online Bill Payment:
- Online SBI: Log in to your SBI net banking with the help of username and password and make online bill payment.
- NEFT: Under this, you can pay your card bill through any other bank account.
- PayNet-Pay Online: Make SBI credit card payment using the netbanking facility provided to you by the bank.
- Debit Card: You can pay the bill with the help of your debit card.
- Visa Credit Card Pay: Use your bank’s net banking facility and transfer funds to any SBI Visa credit card.
- Electronic Bill Payment: Under this facility, you can pay the bill directly from your bank account.
- National Automated Clearing House: Deduct the outstanding amount from the bank account on the due date of payment.
- SBI Auto Debit: Get your bill payment debited from your State Bank of India bank account.
- Pay with Mobile App: You can easily make your SBI Credit Card Online Payment through the mobile app of SBI Bank.
- Pay through UPI: You can pay the bill by scanning the QR code.
- MasterCard Money Send.
- Pay through YONO.
Offline Payment:
- You can pay online through check or cash by visiting the bank branch.
- Apart from this, you can also get more information about this by calling the customer care number of the bank.
SBI Credit Card Login
- To login, you have to first go to the official website of SBI Card.
- On the home page of the website, you will see the option of Login, click on it.
- After clicking, the login form will open in front of you on the next page.
- In this, you can log in by entering your username, password and mobile mobile number.
SBI Credit Card Customer Care No.
If you want to get other information about this card or if you are facing any kind of problem in making the card, then you can get information by calling the customer care number of the bank.
- Credit Card Customer Care Number : 1860 180 1290 / 1800 180 1290 / 1860 500 1290
- Toll Free : 1800-11-2211 , 1800-425-3800
My Last Word:
In this article, we have provided you complete information about SBI Bank Credit Card. Any person who wants to take a card from SBI Bank can apply for the card by reading this article.
If you have any question in your mind then you can write us in comment. Hope friends, you have found this article informative. If you liked the information given in this article, then please share it as much as possible.
Some FAQ’s on SBI Credit Card
Q. What is the SBI credit card limit?
Ans. The limit given under the credit card depends on the individual card and on the profile of the customer.
Q. Which is the best SBI credit card?
Ans. You can compare all the credit cards and find the best card.
Q. What are the benefits of SBI Credit Card?
Ans. Benefits of Credit Cards There are many types of online and offline benefits from shopping to travelling.
Q. How many types of SBI credit cards are there?
Ans. According to the official website of the bank, at present, the bank provides more than 70 card facilities, about which information has been given in this article.
Q.What are the disadvantages of SBI credit card?
Ans. Let us tell you friends that if you use the credit card properly and wisely, then there is no harm in it, it has many benefits which you can get. But if you do not use the credit card properly, then it is a loss. Credit card gives you advantage or disadvantage, it depends on you how you are using it.
Q. What are the advantages and disadvantages of SBI credit card?
Ans. If you use the card properly, then you do not have any harm in it, but you can get many types of benefits.
Q. How can I check my SBI credit card statement?
Ans. The statement will be sent to your email id and your registered postal address. Apart from this, you can also view and download your statement by logging on to the official website of SBI Card.
Q. How to close SBI Credit Card?
Ans. If you want to get your card closed, then you can get your card closed by making full payment of the card and visiting the bank branch.