Don’t Miss Out on the Best Credit Card Deals – Apply for an SBI Card Now!
One of the biggest banks in India, the State Bank of India, issuing the SBI Credit Card, a credit card. To meet the different demands of its consumers, including those related to travel, shopping, eating, entertainment, and more, SBI Card provides a wide selection of credit cards. With its wide range of retailers and incentive programs, SBI Card has established itself as a popular option among many clients in India.
A reputable public sector bank in India called SBI provides a variety of credit cards to cater to the various demands of its clients. SBI Card is a desirable option for individuals seeking a trustworthy credit card since it provides a variety of incentives, including cashback, discounts, reward points, and more. The advantages of SBI credit cards, how to apply online, find out the status of your application, and the top SBI credit cards on the market will all be covered in this article.
SBI Credit Card Benefits
SBI credit cards come with a host of benefits that are tailored to meet the specific needs of customers. Some of the benefits of SBI credit cards are:
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Reward points: SBI credit cardholders earn reward points on every purchase made with their credit card. These reward points can be redeemed for a variety of products, services, and vouchers.
Cashback: SBI credit cardholders can enjoy cashback offers on select purchases made with their credit card. Cashback offers can range from 5% to 10% and can be credited to the customer’s account or used as a statement credit.
Discounts: SBI credit cardholders can enjoy discounts on dining, shopping, travel, and other lifestyle expenses. These discounts can range from 10% to 50% and are available at select merchant outlets.
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Exclusive offers: SBI credit cardholders can enjoy exclusive offers on travel, entertainment, and other lifestyle expenses. These offers are available only to SBI credit cardholders and can be accessed through the SBI Card app.
SBI Credit Card Apply Online
The process of applying for an SBI credit card online is simple and easy. Here are the steps to apply for an SBI credit card online:
- Visit the SBI Card website or download the SBI Card app on your smartphone.
- Select the credit card you want to apply for and click on the “Apply Now” button.
- Fill in your personal and contact details and click on the “Submit” button.
- Upload the required documents such as identity proof, address proof, and income proof.
- Review the details and click on the “Submit” button.
- Wait for the application to be processed and approved.
SBI Credit Card Application Status
After submitting the application for an SBI credit card, customers can track the status of their application online. Here are the steps to check the status of your SBI credit card application:
- Visit the SBI Card website or download the SBI Card app on your smartphone.
- Click on the “Track Your Application” button.
- Enter your application reference number and mobile number.
- Click on the “Track” button.
- The status of your SBI credit card application will be displayed on the screen.
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Best SBI Credit Cards
SBI offers a wide range of credit cards to meet the varied needs of its customers. Here are the best SBI credit cards we listed.
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SBI Simply Click Credit Card: This credit card is designed for online shoppers and offers reward points on every online purchase.
SBI Simply Save Credit Card: This credit card is designed for everyday use and offers reward points on dining, groceries, and other daily expenses.
SBI Elite Credit Card: This credit card is designed for premium customers and offers exclusive benefits such as lounge access, golf privileges, and concierge services.
SBI Prime Credit Card: This credit card is designed for frequent flyers and offers reward points, airport lounge access, and travel insurance.
SBI Pulse Credit Card: This credit card is designed for fuel expenses and offers cashback on fuel purchases.
SBI Cashback Credit Card: This credit card is designed for cashback lovers and offers cashback on select purchases.
SBI Platinum Credit Card: This credit card is designed for premium customers and offers exclusive benefits such as reward points, golf privileges, and concierge services.
Paytm SBI Credit Card: This credit card is designed for Paytm users and offers reward points, cashback, and discounts on Paytm transactions.
SBI Irctc Credit Card: This credit card is designed for frequent train travelers and offers reward points, discounts, and cashback on train ticket bookings.
How to Activate SBI Credit Card?
- Visit the SBI Card website or install SBI Card Mobile Application
- Click on the “Register” button to create an account.
- Enter your SBI credit card number, date of birth, and the card expiry date in the required fields.
- Set up a username and password for your SBI Card account and complete the registration process.
- Log in to your SBI Card account and navigate to the “Services” tab.
- Click on the “Credit Card Activation” option and enter the required details such as the card CVV, expiry date, and the cardholder’s name.
- Verify OTP which will receive your Register Mobile Number
- Once you have entered all the details, click on the “Activate” button.
- You will receive a confirmation message that your SBI credit card has been successfully activated. You can also activate your SBI Card visit the Bank Branch.
SBI Credit Card Pin Generation Process
Once the SBI credit card is activated, customers need to generate a PIN to use the card for ATM transactions and other purposes. The PIN generation can be done through the SBI Card website, mobile app, or by calling the SBI Card customer care. Customers need to provide their card details and personal information to generate their PIN.
SBI Credit Card Charges
SBI credit cards come with various charges such as annual fees, finance charges, late payment fees, cash withdrawal fees, and others. It is essential to understand these charges before using the credit card to avoid any surprises later on. Customers can check the SBI Card website for a detailed list of costs applicable to their credit card.
| Credit Card Name | Annual Fee (Rs.) | Renewal Fee (Rs.) |
| AURUM | 9,999 | 9,999 (Waived off on annual spends of 12 Lakh or more in the preceding year) |
| SBI Card ELITE | 4,999 | 4,999 (Waived off on annual spends of 10 Lakh or more in the preceding year) |
| SBI Card ELITE Advantage | 4,999 | 4,999 (Waived off on annual spends of 10 Lakh or more in the preceding year) |
| SBI Card PRIME | 2,999 | 2,999(Waived off on annual spends of 3 Lakh or more in the preceding year) |
| SBI Card PRIME Advantage | 2,999 | 2,999(Waived off on annual spends of 3 Lakh or more in the preceding year) |
| Doctor’s SBI Card | 1,499 | 1,499 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| Shaurya Select SBI Card | 1,499 | 1,499 (Waived off on annual spends of 1.5 Lakh or more in the preceding year) |
| Shaurya SBI Card | 250 | 250 (Waived off on annual spends of 50,000 or more in the preceding year) |
| SBI Card PULSE | 1,499 | 1,499 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| CASHBACK SBI Card | 999 | 999 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| SimplyCLICK SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| SimplyCLICK Advantage SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| SimplySAVE Advantage SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| SBI Card Unnati | NIL | 499 (5th Year Onwards) |
| Krishak Unnati SBI Card | NIL | 499 (Waived off on annual spends of 30,000 or more in the preceding year) |
| Aditya Birla SBI Card | 499 | 499 |
| Aditya Birla SBI Card SELECT | 1499 | 1,499 |
| Air India SBI Platinum Card | 1499 | 1,499 |
| Air India SBI Signature Card | 4999 | 4,999 |
| Apollo SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| BPCL SBI Card | 499 | 499 (Waived off on annual spends of 50000 or more in the preceding year) |
| BPCL SBI Card Octane | 1499 | 1,499 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| Club Vistara SBI Card PRIME | 2999 | 2,999 |
| Club Vistara SBI Card | 1499 | 1,499 |
| Delhi Metro SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| Etihad Guest SBI Crad | 1499 | 1,499 |
| Etihad Guest SBI Premier Card | 4999 | 4,999 |
| Fabindia SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| Fabindia SBI Card SELECT | 1499 | 1,499 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| IRCTC SBI card | 500 | 300 |
| IRCTC SBI Card Premier | 1499 | 1499 (Waived off on annual spends of 2 Lakh or more in the preceding year) |
| Lifestyle Home Centre SBI Card, MAX SBI Card, SPAR SBI Card | 499 | 499 |
| Lifestyle Home Centre SBI Card PRIME, MAX SBI Card PRIME, SPAR SBI Card PRIME | 2999 | 2,999 |
| Lifestyle Home Centre SBI Card SELECT, MAX SBI Card SELECT, SPAR SBI Card SELECT | 1499 | 1,499 |
| Nature’s Basket SBI Card | 1499 | 1,499(Waived off on annual spends of 2 Lakh or more in the preceding year) |
| Nature’s Basket SBI Card ELITE | 4999 | 4,999(Waived off on annual spends of 10 Lakhor more in the preceding year) |
| OLA Money SBI Card | Nil | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| Paytm SBI Card | 499 | 499 |
| Paytm SBI Card SELECT | 1,499 | 1,499 |
| TATA Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| TATA Card SELECT | 2999 | 2,999 |
| TATA Croma card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| TATA Croma Card SELECT | 2999 | 2,999 |
| TATA Star Card SELECT | 2999 | 2,999 |
| TATA Star card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| Yatra- SBI Card | 499 | 499 |
| Central Bank of India SBI Card PRIME | 2999 | 2999 (Waived off on annual spends of 3 Lakh or more in the preceding year) |
| Central Bank of India SBI Card ELITE | 4999 | 4,999 (Waived off on annualspends of 10 Lakh or more in the preceding year) |
| Central Bank of India SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| City Union Bank SBI Card PRIME | 2999 | 2999 (Waived off on annual spends of 3 Lakh or more in the preceding year) |
| City Union Bank SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| Karnataka Bank SBI Card PRIME | 2999 | 2999 (Waived off on annual spends of 3 Lakh or more in the preceding year) |
| Karnataka Bank SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| PSB SBI Card PRIME | 2999 | 2999 (Waived off on annual spends of 3 Lakh or more in the preceding year) |
| PSB SBI Card ELITE | 4999 | 4999 (Waived off on annual spends of 10 Lakhor more in the preceding year) |
| PSB SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| UCO Bank SimplySAVE SBI Card | 499 | 499 (Waived off on annual spends of 1 Lakh or more in the preceding year) |
| UCO Bank SBI Card PRIME | 2999 | 2,999 (Waived off on annual spends of 3 Lakh or more in the preceding year) |
| UCO Bank SBI Card ELITE | 4999 | 4,999 (Waived off on annual spends of 10 Lakhor more in the preceding year) |
SBI Credit Card Interest Rate
The interest rate on SBI credit cards varies depending on the type of credit card and the customer’s usage pattern. The interest rate is charged on the outstanding balance on the credit card and can range from 1.5% to 3.35% per month. Customers can check the SBI Card website for the latest interest rates applicable to their credit card.
SBI Credit Card Login Process
Customers can log in to their SBI Card account through the SBI Card website or SBI Card mobile app to access their credit card details, transaction history, and other information. Customers need to provide their username and password to log in to their account. In case of any issues with the login process, customers can contact SBI Card customer care for assistance.
SBI Credit Card Statement
SBI credit cardholders receive a monthly statement that includes details of all transactions made on the card during the billing cycle. The statement also includes the total outstanding balance, the minimum amount due, and the payment due date. Customers can check their SBI Card statement online, SBI Card Application or receive it through email or SMS.
SBI Credit Card Bill Payment
SBI credit cardholders can make payments towards their credit card bill through various modes such as online payment, mobile banking, NEFT/RTGS, and others. Customers can choose the mode of payment that is convenient for them and make the payment before the due date to avoid late payment charges.
SBI Credit Card Online Payment
SBI credit cardholders can make payments towards their credit card bill through the SBI Card website or mobile app. Customers need to log in to their accounts, select the payment option, and provide the payment details to complete the payment process.
- Online SBI – Log in to onlinesbi.com to pay your bill directly from your SBI Bank Account. The payment will reflect instantly in your SBI Credit Card account.
- NETT (National Electronic Funds Transfer) – Pay your SBI Card bill online from any bank account using the IFSC code SBINOOCARDS. Your payment will be credited in 3 banking hours.
- PayNet – Click on PayNet at sbicard.com to pay online through net banking. Payment will reflect instantly in your SBI Credit Card account.
- UPI payment option – You can pay via UPI using a QR/Web Collect Code or BHIM SBI Pay App for instant credit to your card.
- SBI Card Mobile App – You can pay instantly through the SBI Card Mobile App.
- Electronic Bill Payment – Pay online directly from your bank account using the Bill Pay facility of your bank. Your payment will be credited within 3 working days.
- Debit Card Payment – Pay online using a selected bank’s debit card. Payment will reflect instantly on your SBI Credit Card account.
- Yono Payment option – Pay through the YONO App by SBI and enjoy instant credit to your card account.
- VISA Credit Card Pay – Use VISA Credit Card Pay to pay your SBI Credit Card bill. Your payment will be credited within 3 working days.
- Auto Debit – Authorize SBI Card Co to debit your bank account by filling in the Auto Debit mandate available at selected banks.
- National Automated Clearing House – Authorize your SBI Card to debit your bank account by enrolling for the e-NACH facility.
- Over The Counter Payment – Pay in cash/cheque/via transfer at SBI branches. Your payment will be credited in 2 working days.
- SBI Card Drop Box – Drop your cheque in the SBI Card box only. Your payment will be credited in 4 working days.
How to Close SBI Credit Card?
SBI credit cardholders can close their credit card by contacting SBI Card customer care or by visiting the nearest SBI branch. Customers need to clear all outstanding dues on the credit card before closing it. Once the credit card is closed, customers need to cut the card into pieces and dispose of it safely.
SBI Credit Card Customer Care 24×7
SBI Card has a dedicated customer care service that is available 24×7 to assist customers with their queries and issues related to their credit cards. Customers can contact SBI Card customer care through phone, email, or chat.
SBI Credit Card Complaint
In case of any issues or complaints related to SBI cards, customers can contact SBI Card customer care and register their complaints. The complaint will be resolved within a specified time frame, and customers will be notified of the resolution through email or SMS.
Conclusion
Numerous perks, including reward points, cashback, special discounts, and incentives, are available with SBI credit cards. Customers may check the progress of their application online and can easily apply for an SBI credit card online. There are several SBI credit cards on the market that may accommodate varied dietary restrictions and way of life. It’s crucial to assess your spending patterns and select a credit card that meets your demands before making a decision. Customers may take advantage of distinctive advantages and incentives while effectively controlling their costs with the correct SBI credit card.
FAQs
How can I apply for an SBI credit card?
You can apply for an SBI credit card online by visiting the SBI Card website or by visiting an SBI branch in person.
What are the eligibility criteria for getting an SBI credit card?
The eligibility criteria for an SBI credit card may vary based on the type of card you are applying for, but generally, you should be between 21 and 65 years of age, have a good credit score, and have a stable income.
What is the credit limit on an SBI credit card?
The credit limit on an SBI credit card is determined by the bank based on your income, credit score, and other factors.
What is the annual fee for an SBI credit card?
The annual fee for an SBI credit card may vary based on the type of card you have, but some cards may have no annual fee while others may have an annual fee ranging from a few hundred to several thousand rupees.
How can I check my SBI credit card balance?
You can check your SBI credit card balance through the SBI Card website, the SBI Card mobile app, or by calling the customer care number.
How can I pay my SBI credit card bill?
You can pay your SBI credit card bill online through the SBI Card website, the SBI Card mobile app, through net banking, UPI, or by visiting an SBI branch or ATM.
What should I do if my SBI credit card is lost or stolen?
If your SBI credit card is lost or stolen, you should report it immediately by calling the SBI Card customer care number and requesting to block your card.
How can I redeem my SBI credit card reward points?
You can redeem your SBI credit card reward points for a variety of options, including shopping vouchers, air miles, cashback, and more, by visiting the SBI Card website or mobile app.
How can I contact SBI Card customer care?
You can contact SBI Card customer care by calling the toll-free number or by sending an email to the customer care email address.
