SBI Credit Card

SBI State Bank of India is offering credit cards that are helpful for the cash holders to reach up to their financial needs. Many different kinds of cards are offering by the Bank. Each card is having its own benefits from low finance charges to high reward functions.

List of the TOP 5 SBI Credit Card

Before selecting any card, the individual must have a glace on the features, charges, benefits, and fees on each card available on it. To make it easy for the customers, we are providing below here the details of the credit card functions and benefits. Once knowing the features and benefits of the cards, you can select the card which suits your needs.

State Bank Of india

Credit Card Annual Fee Suited For Min. Income
SBI StyleUp Contactless Card 499 Shopping Rs. 20,000 p.m.
Air India SBI Platinum Credit Card 1,499 Travel Rs. 40,000 p.m.
Club Vistara SBI Card PRIME 2,999 Travel & Rewards Rs. 40,000 p.m.
Yatra SBI Card 499 Travel Rs. 20,000 p.m.
Etihad Guest SBI Card 1,499 Travel & Rewards Rs. 40,000 p.m.

Types of State Bank Of India Credit Card –

SBI Simply SAVE Credit Card

  • This card is best suited for shopping and rewards.
  • The annual fee is Rs.499/-
  • The minimum income should be Rs.20,000/-

sbi simply save card

SBI Simply CLICK Credit card

  • This card is best suited for shopping.
  • The annual fee is Rs.499/-
  • The minimum income should be Rs.20,000/-

sbi simply click card

SBI Card PRIME

  • This card is best suited for travel and rewards.
  • The annual fee is Rs.2,999/-
  • The key features of the card are 10X reward points on dining, movies, and groceries.
  • The minimum income should be Rs.32,000/-.

sbi credit card prime

SBI Card ELITE

  • This card is best suited for shopping and travel
  • The annual fee is Rs.4,999/-
  • The key features of the card are movie tickets worth Rs.6,000/- every year.
  • The minimum income should be Rs.60,000/-

sbi elite credit card

BPCL SBI Card

  • This card is best suited for Fuel.
  • The annual fee is Rs.499/-
  • The minimum income should be Rs.20,000/-.

bpcl sbi credit card

Apollo SBI Card

  • This card is best suited for Medical Expenses and Rewards
  • The annual fee is Rs.499/-
  • The key feature of the card is 3X rewards per Rs.100 on all the Apollo services.

apollo sbi credit card

More Credit Cards by SBI are as follows-

Air India SBI Platinum Credit Card

  • This card is best suited for Travel and Rewards
  • The annual fee is Rs.1,499/-
  • The key feature of the card is Membership to Air India’s Frequent Flyer Program.
  • The minimum required is Rs.40,000/- per month.

sbi air india platinum credit card

SBI StyleUp Contactless Card

  • This card is best suited for shopping.
  • The annual fee is Rs.499/-
  • The minimum income should be Rs.20,000/-.

sbi contactless card

Yatra SBI Card 

  • This card is best suited for Travel and Rewards
  • The annual fee is Rs.499/-
  • The key feature of the card is 20% off on domestic hotel booking.

sbi yatra credit card

Club Vistara SBI Card PRIME

  • The annual fee is Rs.2,999/-
  • It is best suited for the rewards and travel.
  • Key features of the card are priority pass Membership with 4 free visits per year.
  • The minimum Income required is Rs.40,000/-

sbi club vistara prime card

Etihad Guest SBI Card

  • The annual fee is Rs.1,499/-
  • It is best suited for travel.
  • Key features of the card are a 3% discount on the economy tickets which are booking on the Etihad.
  • The minimum Income required is Rs.40,000/- 

sbi ethihad guest card

If anyone wants to apply for a credit card by offline mode can visit the nearest SBI Branch and follow the procedures.

Benefits of SBI Credit Card-

Savings on Interest-

Outstanding amounts can be transferred to the SBI cards from the other cards. These can be transferred with very low-interest rates. Interest payments can be avoided on multiple cards with the balance transfer feature.

Insurance for Protecting Yourself-

CCP partnerships with the SBI are offering protection if in case the individuals have lost their cards, theft, or fraud.

Convenient access on the accounts-

SBI card account can be accessed online or it can be downloaded by using the SBI card mobile app. By using this one can do the bill payments and check their balance from any time and anywhere.

Fees and Charges on the SBI card-

Here are the details about the charges which are applicable for the types of fees on the credit cards

  • The interest fee period is between 20 to 50 days.
  • 5% per month is for the SBI Unnati card and for other cards up to 3.35% charges are applicable for credit card finance charges and for cash advance also.
  • For the outstanding amount Rs.200/- + taxes of 5% to the minimum amount due every month.
  • The total credit limits up to 80%, maximum Rs.15,000/- per day for the cash advance limit.
  • For the over-limit fees 2.5% or Rs.500/-.
  • 100/- for the card replacement fee while traveling abroad.
  • For the ELITE card 11.99% and 3.5% for the SBI Cards for the dynamic currency conversion fee.
  • 99/- for the rewards redemption.
  • 5% of the amount withdrawn for the cash advance fee.
  • For the statement retrieval Rs.100/-.
  • 3% on the transaction amount for the cash advance fee, international ATMs.

Credit cards Bill Payments at SBI-

Online bill payments-

Credit card bill payments using online mode can be done by following the methods.

  • NEFT Net banking
  • Visa Credit-Card pay
  • Peynet-pay Online
  • SBI Online
  • NACH National Automated Clearing House
  • EBP Electronic Bill payment
  • Debit card
  • SBI Auto Debit

Paying using the Mobile app-

  • UPI Payment
  • SBI App
  • Using YONO

Paying credit cards bills using offline bill payment-

  • Payment at Bank Branch
  • Manual Drop Box
  • Electronic Dropbox
  • SBI ATM.

FAQs-

These are some of the frequently asked common questions about the SBI credit cards-

  1. How much salary should be there to apply for the SBI cards-

Depending on the type of card the customer is selecting, the minimum salary will be decided. The more premium card you select should have a higher salary as per the requirement.

  1. The card can be used to withdraw money or not?

Yes, a cash advance can be taken from the credit card. Maximum of Rs.15,000/- cash can be withdrawn from the card per day.