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SBI Cards Credit Cards

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3050 Reviews
Pros & Cons
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Explore Cards
3050 Reviews
Pros & Cons
More Details
Air India SBI™ Platinum Card
Get a discount of 2.5% on extra fuel surcharge (not exceeding ₹250) for each fill between ₹500 and ₹4,000
₹1,499
Joining Fee
Air India SBI™ Platinum Card
Air India SBI™ Platinum Card
₹1,499
Joining Fee
Get a discount of 2.5% on extra fuel surcharge (not exceeding ₹250) for each fill between ₹500 and ₹4,000
Air India SBI™ Signature Credit Card
Get 20000 Reward points as a welcome gift on payment of your joining fee
₹4,999
Joining Fee
Rewards
Shopping
Air India SBI™ Signature Credit Card
₹4,999
Joining Fee
Get 20000 Reward points as a welcome gift on payment of your joining fee
BPCL SBI™ Card
Earn 5 reward points per ₹100 transaction. 4 reward points roughly make up ₹1
₹499
Joining Fee
BPCL SBI™ Card
BPCL SBI™ Card
₹499
Joining Fee
Earn 5 reward points per ₹100 transaction. 4 reward points roughly make up ₹1
IRCTC SBI™ Platinum Card
Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
₹500
Joining Fee
IRCTC SBI™ Platinum Card
IRCTC SBI™ Platinum Card
₹500
Joining Fee
Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
Mumbai Metro SBI™ Card
2000 turbo points on expenditure of ₹2000 within initial 60 days
₹499
Joining Fee
Mumbai Metro SBI™ Card
Mumbai Metro SBI™ Card
₹499
Joining Fee
2000 turbo points on expenditure of ₹2000 within initial 60 days
SBI™ Card ELITE
Free Movie Tickets worth ₹6,000 every year
₹4,999
Joining Fee
SBI™ Card ELITE
SBI™ Card ELITE
₹4,999
Joining Fee
Free Movie Tickets worth ₹6,000 every year
SBI™ Card Prime
Welcome e–gift Voucher worth ₹3,000 from from select premium brands
₹2,999
Joining Fee
Shopping
SBI™ Card Prime
₹2,999
Joining Fee
Welcome e–gift Voucher worth ₹3,000 from from select premium brands
SimplyCLICK SBI™ Credit Card
Contactless Credit Card _ Make payments Upto ₹2000 without using the PIN
₹499
Joining Fee
Shopping
Dining
SimplyCLICK SBI™ Credit Card
₹499
Joining Fee
Contactless Credit Card _ Make payments Upto ₹2000 without using the PIN
SimplySAVE SBI™ Card
SimplySave SBI card holders can bag 2000 bonus points on spending ₹2000 within the first 60 days
₹499
Joining Fee
SimplySAVE SBI™ Card
SimplySAVE SBI™ Card
₹499
Joining Fee
SimplySave SBI card holders can bag 2000 bonus points on spending ₹2000 within the first 60 days
Yatra SBI™ card
Get Yatra.com vouchers worth ₹8,250 on joining
₹499
Joining Fee
Yatra SBI™ card
Yatra SBI™ card
₹499
Joining Fee
Get Yatra.com vouchers worth ₹8,250 on joining
fbb SBI™ STYLEUP Contactless Card
The FBB SBI STYLEUP CONTACTLESS CARDwill earn you 2.5% value back on all spends across fbb, Big Bazaar or Food Bazaar outlets across India
₹499
Joining Fee
fbb SBI™ STYLEUP Contactless Card
fbb SBI™ STYLEUP Contactless Card
₹499
Joining Fee
The FBB SBI STYLEUP CONTACTLESS CARDwill earn you 2.5% value back on all spends across fbb, Big Bazaar or Food Bazaar outlets across India
* Terms & Conditions Apply

SBI Bank Credit Cards

State Bank of India is one of the oldest and trusted banking institutions in the country. It has a long history of serving both people and businesses, and therefore, it is no surprise that the credit cards that are issued by the bank are one of the most famous and trustworthy ones in the entire country. Being a SBI credit card owner is seen as a sign of creditworthiness and high financial status. In this article, we shall take a look at the various SBI credit cards that are available and examine various aspects these credit cards have to offer.

Being a reputed institution, it is but natural to expect a plethora of SBI credit card types that a customer could avail from SBI. Each card has an unique characteristic that is related to the function and services that it has to offer. This and the trust of the customers make SBI credit cards an obvious choice for people wishing to have a credit card in the first place. It would be therefore pertinent to observe how the various aspects come together that form the edifice around which SBI’s fame rests, and the respect of its credit cards are kept intact.


Why Choose SBI Credit Cards?

In an oligopoly market where different banks and their credit cards compete with each other to take a significant lead over the others, this question seems to be a very natural one. Rather, it could be framed as: what makes SBI credit cards different from that of its respective competitors? The answer is not too hard to guess – one need only lok at SBI’s organizational history and how since its present inception (circa 1856), it has dedicated itself in providing an exemplary financial services to both businesses and individual customers. The prestige, plus the amount of consumer oriented policies and plans, make it a popular choice for many people to opt for SBI not only for banking services, but to also possess a credit card that is issued by them.

Therefore, given the amount of trust and privilege that it holds, SBI provides every kind of assistance and concessions to people who wish to have a credit card. It offers various kinds of credit cards that suit the individual needs of its respective users. Whether you are a top notch businessman or just a regular, salaried employee, a card exists that would seamlessly integrate itself to your financial requirements. And SBI credit cards serve that purpose, becoming an extension of your financial abilities.

We shall take a glance at the various ways you can apply for a credit card that is issued by SBI, and it merely depends upon the technique you find to be convenient and easy. Be it offline or online, we are going to provide the necessary details that you need to know, before you become the proud owner of a SBI credit card.


Apply for SBI Credit Card:

As we have noted from the above, when you apply for SBI credit cards you have two basic options that open out to you: offline and online application. In this section, we will consider the methods and advantages of offline application.

Before the Internet arrived, a person had to personally visit the branch of the bank concerned and, along with the required documents, apply for a credit card. This was the norm for a very long time until the Internet made the entire process an obsolete one. Nonetheless, for all the monopoly of the World Wide Web, offline applications have still remained an important process for many people who desire to own a credit card. This is partly because many people are not tech savvy and partly because many places in India are not connected via digital means of communication. Therefore, many banks – including the State Bank of India – have maintained the facility of offline credit card application.

The advantages of this method are fairly obvious even to the lay person not associated with banking. Physically visiting the bank branch makes the process more face-to-face and transparent, boosting the bond between the banking staff and the applicant. The banking authority can physically examine the validity of the documents submitted by the applicant. This also increases the transparency of the entire procedure and the trust for the bank significantly increases. These are in fact the major benefits anyone could possibly hope for.

However, there are serious drawbacks too. Offline application procedures are very time consuming and in fact, often interfere with more important activities that deserve your attention. It involves going to the bank by yourself and pushing all other activities for later engagement. It is not only time consuming, but also energy consuming and emotionally taxing, as it increases the stress and tension experienced by the prospective credit cardholder.

Needless to say, these factors are certainly involved in getting your SBI credit card via offline means. But what if you consider applying for your SBI credit card online?


Apply for SBI Credit Card Online:

As we have dealt in the previous section, we have noted the pros and cons of offline credit card applications. Ever since the emergence of the Internet, however, banks have harnessed its power to reach out to a large number of customers who are desirous of applying for a credit card. This is nothing more than how technology ultimately affects the course of fiscal behaviour and financial transactions. The State Bank of India is no exception to this trend and it too followed suit, so that today it has a dedicated website for the very purpose.

The second method involves directly emailing the bank branch with the stated intention of applying for a SBI credit card. This may involve attaching the scanned copies of the relevant documents along with the email’s body and sending it to the bank for scrutiny.

The advantages to online application methods are pretty clear in sight: one can apply for SBI credit cards from the comfort and convenience of their homes, without having the need to physically go to the bank. This does not only save time but it also save effort, energy and it significantly reduces the stress of the individual who is applying for the credit card in question. It is quicker and it is faster to process, and relative to the offline methods of credit card applications, one can get their hands on their credit cards faster.

However, even though the Internet is a huge blessing for everyone, it also has its fair share of risks and danger. Personal information being released on the Internet is always prone to getting hacked by malicious elements, and identity theft is a very real possibility. Besides, the riskj of phishing – the process through which a hacker can gain your information by impersonating a genuine website – is indeed a scary prospect to consider.

The good news is, though, that banks like SBI have provided adequate security protocols for their websites, protecting the information that a user provides against malicious and malevolent elements. Also, they provide advisories from time to time that update customers on how to differentiate between a genuine webpage of the bank and of an unsecure, malicious website that is created by the phisher.

But as they say, there is always a third way, and that third way definitely focuses on the huge number of financial websites that have sprung up throughout the Internet. In the next section, we shall have a brief look at why, of all places, you should apply for SBI credit cards from Chqbook.


As we have already noted, there have emerged a number of financial websites that provide a wide array of services that have got to do with financial affairs, especially the application and ownership of credit cards. Such being the case, one can easily wonder why they should opt for Chkbook over every other available alternative. Well, the answer can’t be summed up in one, single sentence, so we give you a list of reasons why you should consider coming to us to get the best SBI credit card offers:

We have a seamless navigation mechanism that allows the visitor to easily make their way to the section which pertains to credit cards, chiefly SBI credit cards and SBI card types.

The user interface (or UI) is very simple and easy to understand. Anyone can graps the machinations of the website and apply for any kind of credit card that the State Bank of India has to offer.

While viewing the various credit cards by SBI, the customer can easily and comfortably view all the relevant information and compare them against each other, thereby arriving at the decision to apply for the most suitable card that is applicable to their lifestyle choices and other material considerations.

The steps regarding applying for a credit card are very simple and easy to remember. In fact, at Chqbook, our efforts are always directed at making the process more streamlined and refined than it was so that customers can get to experience the fluidity of action we are known for.

Lastly, and perhaps most importantly, buying a credit card requires one to be informed on the wider set of situations that affect the financial market from time to time. At Chqbook, we provide a detailed, analytical style in reporting news that discusses various movements in the world of credit cards and the wider world of the Indian financial market. Armed with this information, you can now easily select the proper kind of credit card by SBI, according to the prevailing conditions.

The aforementioned factors are testament to the manner in which we at Chqbook take sufficient measures to ensure that your experience in applying for a SBI credit card doesn’t get hindered due to any kind of obstacle or security threat. In such an environment, you can comfortably brose through the various SBI credit card types that are available on the site. Therefore, we’d recommend strongly to make your applications through Chqbook as it is convenient, easy, free and you have the power to compare and analyze the relative merits and demerits of every card that you come across.


As we know, different kinds of credit cards – even when issued by the same card provider – have a specific set of features and benefits that are associated with them, giving them their own individual, unique brand identity. However, even in such a scenario, all of the credit cards are going to have a common set of features as well as a common list of benefits that the cardholder could profit from, regardless what type of card they are going to use. Given below are some of the common features one can find in all SBI credit cards:

All SBI credit cards can be used both within and without the territory of India. This allows you to carry your card anywhere and use it at any kind of retail outlet anywhere in the world. If you are planning on international travel, this is a very utilitarian feature.

All the SBI credit card types have a balance transfer feature. By using this feature, you can transfer the outstanding balance from your existing credit card to a new credit card of a new bank, if you happened to have chosen the new card due to its low rate of interest.

You are able to change your monthly transactions into monthly instalments, or EMIs. You can set the tenure within which you can repay the EMI amount, and at the same time the bank can encourage you to do so by offering you attractive rates of interest. Sometimes it may allow an interest free repayment; it all depends upon the kind of card that you are using ion the first place.

A very handy feature of SBI credit cards is that you can use it to pay off your utility bills on the go. You can either physically swap your credit card or enter its details online, while paying the expenses that you incur for availing utility services (like electricity bills or phone bills, etc). Not only this, but with this feature, the bank would itself notify you of the upcoming payment date and the results of the deduction after you have paid your bills, successfully.

Like a lot of other credit cards in the market, the credit cards that are offered by SBI too contain either a joining fee or an annual fee. Simply speaking, a joining fee is the amount a new cardholder has to pay when they get hold of their sanctioned credit card. Where a joining fee is not involved, a cardholder has to pay an amount on an annual basis in order for them to renew the validity of their credit cards. Depending on the card, the bank can accordingly vary the amounts that are payable as the joining or the annual fee, respectively. In some cases, the bank could exempt a card from both kinds of fees.

If and when a fraudulent transaction occurs, the bank can offer a liability coverage that would essentially protect you from any kind of loss of money as a consequence of such a transaction. This feature is available only when it is reported to the bank’s authorities.

You can use your SBI credit card to access ATMs and withdraw money from them. For this useful service, the bank would necessarily charge a small fee but considering that you can withdraw money from anywhere at any time makes this feature a very indispensible one.

If you require any kind of help or assistance regarding your credit card, State Bank of India has an exclusive helpline number that provides assistance and helps to clear your doubts and queries regarding the card that you own, as well as make suggestions or complaints regarding your experience.

Lastly, and this could be considered as an important feature, in the sense that you can pay your credit card bills through any means possible, both offline and online. Offline methods can include NEFT, cheques, etc.

Since we have gone through the features of the credit cards that are offered by SBI, now it would be very pertinent to have a look at the various benefits all the cards have in common. They are as follows:

All the SBI credit cards have an assorted system of reward points, and they are awarded when a certain amount of money has been spent on using the credit card. The number of points one gains on using the card tends to be fixed and SBI credit card reward points vary from card to card and the amounts on whose spending such points could be earned vary as well. These points can be redeemed for gifts, discounts, etc.

For a fixed amount that you spend using your credit card, you get a cashback offer on certain SBI credit cards and the amount upon which such a scheme is applicable is usually decided by the bank.

In case you possess a credit card issued by SBI whose sole purpose is to assist you in your travelling experience, then you can get to avail travel insurance on it as well. Therefore, you need not worry about if something were to happen to you while on a journey now that you can secure the financial future of those who remain dependent on you.

In the event of you travelling by road, your credit card is eligible for a fuel surcharge waiver. This implies that on spending a certain amount of money on your card on fuel, the bank would itself pay the cost involved. Now, that is pretty useful, considering that this utility is available for petrol pumps all over India.

These are the features and benefits that are common to all SBI credit cards and they are available on every card. Now, as we have mentioned, there are specific features and benefits that are unique to each individual card and they serve specialized functions according to the purpose for which the card had been made, in the first place. This being the situation, you must now carefully ascertain the kind of credit card that would be appropriate to you, your lifestyle and to the expenses you incur on a monthly basis. Only by comparing the necessary information is it possible to choose the card that is congruent to your needs.

As far as eligibility is concerned, there are two primary factors that determine the eligibility of a person for being a credit cardholder: their age and their income. According to law, a minor can’t be the owner of a credit card and therefore, one has to be at least 18 years old and above to successfully apply for a credit card. The second factor that is considered is the amount of money the applicant earns within a given month or a year. Any other considerations that could determine the sanctioning of a SBI credit card are relatively secondary in aspect.

Consequently, we come to the documents that are required in the application procedure. Generally, there are three kinds of documents one needs to furnish when applying for a credit card: proof of identity, proof of address/residence and proof of income. In recent years, the first two documentation requirements have been able to be satisfied with by showing an Aadhar Card (or its photocopy). As for the proof of income, there are two distinct slabs in this case. If the applicant is a salaried employee, then they need to show their salary slip or employment letter to establish the authenticity of this fact. If the applicant is self-employed, then it is necessary to furnish either the profit and loss statement or the balance sheet for the concerned year. The officials at SBI would scrutinize these documents and would decide whether or not to sanction the credit card. If the bank is not satisfied, they have the right to ask for more documents.


Different Types of Cards and their Benefits:

Different Types of SBI Cards® Credit Cards and TypesJoining FeeAnnual Fee
BPCL SBI™ Card499499.00
SimplyCLICK SBI™ Credit Card4990.00
fbb SBI™ STYLEUP Contactless Card499499.00
Yatra SBI™ card499499.00
Mumbai Metro SBI™ Card499499.00
SimplySAVE SBI™ Card499499.00
IRCTC SBI™ Platinum Card500300.00
Air India SBI™ Platinum Card14991499.00
SBI™ Card Prime29990.00
Air India SBI™ Signature Credit Card49990.00
SBI™ Card ELITE49994999.00

There are a number of various SBI credit card types and as it has been mentioned before, they contain specific features and benefits that are intrinsic to the type of functions that they discharge for the cardholder. Therefore, it is more than necessary to know and be acquainted with the various categories of credit cards State Banof India has to offer. They include the following:

Lifestyle cards from SBI include:

SBI Card Elite: A welcome e-gift voucher worth 5,000 rupees on joining, free movie tickets – which are worth 6,000 rupees – per year, 50,000 as bonus points on spending 12,500 per year and complimentary membership to Club Vistara and Trident Privilege Program.

SBI Card Elite Advantage: Contains the same set of features as the first card does.

Reward cards are credit cards that contain a reward system for spending a particular amount. They include:

SBI Card Prime: Welcome e gift voucher worth 3,000 rupees, spend linked vouchers worth 11,000 rupees, 10 reward points per 100 rupees spent on dining, groceries, departmental stores and movies and complimentary international and domestic airport lounge access.

SBI Card Prime Advantage: Contains the same set of features as the first card does.

Shopping cards are usually used to get amazing discounts and offers on shopping. They include:

SimplyCLICK SBI Card: Amazon.in gift card worth 500 rupees on joining, five times the normal rate of reward points on online spending, tent times the rate of reward points on online shopping with exclusive partners and e-vouchers worth 2,000 rupees on annual online spends of 1 lakh and 2 lakh rupees, each.

SimplySAVE SBI Card: 2,000 bonus points on spending 2,000 rupees in the first sixty days, 10 reward points per 100 rupees spent on dining, movies, departmental stores and grocery spends, annual fees reversal on spending 90,000 rupees and above and a one percent fuel surcharge waiver across all petrol pumps.

Travel and fuel credit cards give the cardholder an unmatched access to the joys and benefits of travel. They include:

BPCL SBI Card: 2,000 activation bonus reward points worth 500 rupees as a welcome gift, a 4.25% value back and 13 times the rate of reward points earned on spending 100 rupees on fuel and five times the rate of earning reward points on every 100 rupees spent on groceries, departmental stores, dining, movies and utilities.

Yatra SBI Card: Welcome gift vouchers worth 8,520 rupees, 1,000 rupees off of domestic airfare, 4,000 rupees off of international flight booking and 20% off of domestic hotel bookings.


FAQs for SBI Credit Cards:

Frequently asked questions (or FAQs) are a normal part of running any big or significant sort of operation, and SBI’s credit cards are nothing short of big. In fact it can be assumed that the biggest credit card services of the country are undertaken by State Bank of India. Consequently, there would be a plethora of questions coming in from every quarter of the populace. From businessmen and corporate tycoons to the common salaried employee, the bank needs to keep all of their customers aware of how the credit cards work and in what ways would they be able to reap the most out of the features and benefits that the various SBI credit card types have to offer. Some questions could be simple and easily be answered, while other questions can be complex and it might involved a detailed answer and a thorough explanation of each aspect that is involved with regards to the processes that the question in itself seeks to understand. In all these scenarios, SBI perfectly provides an outlet for all of these questions and gives the public satisfaction and contentment regarding how the bank deals with every aspect in running the credit cards and in providing solutions to troubles and problems that may crop up from time to time.

Common FAQ topics might range from knowing the number of days SBI would consider as the grace period to the rate of interest that one needs to pay when they are paying the EMI. Or, it could include questions regarding the validity of the card with regards to time or if it is a card that is free for use for the card’s liufetime. Complicated questions are rare, but they can involve such topics like the basis on which the interest rate is determined, or the nature of partnerships with other businesses (especially when it comes to lifestyle and travel cards), the implication of the fuel surcharge waiver and how much the bank would cover in the event of a liability coverage actually transpiring. Theser are some of the common and complex questions one can encounter.

To conclude, one can safely say that in its service and dedication, State Bank of India is certainly unmatched and the crown jewel of such feats of perseverance and effort can be seen in the SBI credit cards millions of people throughout the country use. This reflects their trust, their confidence, their efforts and energies and it makes it possible for them to get the most out of life by using these credit cards to not only make their businesses grow but to also the cherish the fruits of their hard earned labour.


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Air India SBI™ Platinum Card
Get a discount of 2.5% on extra fuel surcharge (not exceeding ₹250) for each fill between ₹500 and ₹4,000
₹1,499
Joining Fee
Air India SBI™ Platinum Card
Air India SBI™ Platinum Card
₹1,499
Joining Fee
Get a discount of 2.5% on extra fuel surcharge (not exceeding ₹250) for each fill between ₹500 and ₹4,000

Chqbook Review

Air India SBI Platinum Credit Card is the best option for frequent international commuters as it is globally accepted and does not exorbitant fees as overseas charges. Air India SBI Platinum Credit Card is an immensely rewarding card that enhances the shopping experience of customer. The bounty of additional features makes this card profitable for transactions and the distribution of points makes your shopping experience a gratifying one. One can collect reward points so as to receive exciting gifts and products from upscale stores. The Emergency Card facility will lend you the security and ensure that you get a new card in case of a loss or theft of the original card

  PROS

  • When you sign up for Air India SBI Platinum Credit Card, you get a welcome freebie coupon for ₹3000
  • You will gain reward points for spending in international travel, supermarkets, restaurants etc.
  • You can access entry to around 200 golf courses in the world as a complimentary gift
  • Gets free access to airport lounge using Priority Pass Program for nominal fees
  • Email alerts, SMS and monthly statements will ensure that you have the updates of your performance and transactions of your card
  • If your expenditures exceed the limit five lakh rupees every year, you win a free domestic air ticket (one-way)
  • Use your Air India SBI Platinum Credit Card for more than a year and kickstart the next year with an anniversary gift coupon worth ₹ 3000
  • You can use your SBI Card account using net banking with ease
  • Alerts to ensure that your utility bills are paid on time which will also gain more reward points.
  • The Air India SBI Platinum Credit Card has the Easy Money Facility

  CONS

  • The Air India SBI Platinum Credit Card doesn't offer complimentary golf games either in India or abroad. Therefore, people who prefer to get golf privileges along with their travel cards should consider some other card
  • The Air India SBI Platinum Credit Card does not have any dining offers. Many other travel cards offer rebates as well as dining privileges at popular restaurants
  • The rewards program and redeeming of points for miles is only applicable for Air India flights. It implies that you shall not be able to avail of any benefits through your Air India SBI Platinum Credit Card if you want to travel by any other airlines
  • While the Air India SBI Platinum Credit Card offers fairly decent reward points but there are other cards also which proffer better reward points

Air India SBI™ Signature Credit Card
Get 20000 Reward points as a welcome gift on payment of your joining fee
₹4,999
Joining Fee
Rewards
Shopping
Air India SBI™ Signature Credit Card
₹4,999
Joining Fee
Get 20000 Reward points as a welcome gift on payment of your joining fee

Chqbook Review

Free annual membership fee to those registered with Air India Frequent Flyer Program with returns.

  PROS

  • Enjoy cover on the lost card of ₹1 lakh. This cover is applicable from the period of 48 hours before reporting of loss till 7 days after intimating the concerned authorities with the loss
  • Access cash from over 1 million Visa ATMs all over the world incorporating over 18,000 Visa ATMs in India. You can also withdraw cash from 10,000 State Bank of India ATMs in across 100 cities in India
  • Get exemption on 1% fuel surcharge with your Air India SBI Signature Card, across all petrol pumps
  • Purchase fuel worth ₹ 500 to ₹ 4,000, to avail this benefit. Get maximum surcharge waiver of ₹ 250 on each statement cycle. Taxes are applicable as per the regulations
  • Acknowledged at over 2 million Visa centers worldwide and over 2,85,000 centers in India
  • Avail for additional benefits by opting for add-on cards for your family members who are above the age of 18
  • Your Air India SBI Signature Card is enabled with chip and pin security strengthening you with state-of-art security against fraudulence and scheming
  • Easy Bill Pay facility on your AIR India SBI Signature Credit Card helps you to pay your telephone, electricity and other bills on time
  • Make any purchase worth ₹ 2,500 with Flexipay or more and log on to the official website of SBI within 30 days to convert your purchase into Easy Monthly Installment
  • Transferring the balance amount through EMI
  • You can transfer the balance of other bank?s credit cards to your Air India SBI Signature Card, to get a reduced rate of interest and pay back in EMIs
  • You can get a draft or cheque with the Easy Money feature against your cash limit and have it delivered to your address
  • You can book railway tickets online with your Air India SBI Signature Card without any hassle
  • You can replace your Air India SBI Signature Card anywhere in the world
  • You can choose from three different types of Insurance covers with your AIR India SBI Signature Credit Card which enables you to tackle accidents, health issues, card loss, loss of the card or theft and more
  • With AIR India SBI Signature Credit Card, you can have steady inflow of cash and also encash up to or above your credit limit. Thus you are always geared up for any kind of emergency

  CONS

  • The AIR India SBI Signature Credit Card may not be the best option if you are not a regular passenger of Air India as this card doesn't offer benefits to the commuters through other airlines.
  • A usage fee of up to ₹7 will be charged to your AIR India SBI Signature Card each time on visiting a Priority Pass member lounge.

BPCL SBI™ Card
Earn 5 reward points per ₹100 transaction. 4 reward points roughly make up ₹1
₹499
Joining Fee
BPCL SBI™ Card
BPCL SBI™ Card
₹499
Joining Fee
Earn 5 reward points per ₹100 transaction. 4 reward points roughly make up ₹1

Chqbook Review

The BPCL SBI card offers a multitude of saving schemes best suited for a common man who has to spend a lot on fuels for his daily job

  PROS

  • WELCOME GIFT: At the very onset, a user is greeted with a whopping 2,000 reward points! This lavish surprise comes as an activation bonus and welcome treat. Practically speaking the reward point?s amounts to ₹500, which can be redeemed anytime as per your convenience at the select BPCL outlets against petrol transaction.
  • GLOBAL ACCEPTENCE: Secondly the BPCL SBI card is accepted throughout the wide globe. It is an international card like the visa ones, opening up a borderless world in front of you. You can use this card to transact in any of the 24 million stores scattered throughout the globe, including 3.25 lakh select stores in India.
  • EASY BILL PAYMENT: The users of the SBI BPCL card can utilize the Easy bill pay feature to pay various important bills such as internet, electricity, telephone effortlessly.
  • EMI BALANCE TRANSFER: A BPCL SBI card holder is offered with the option of transferring his due EMI?S into their BPCL card, and repay in easy monthly installments, at a lower interest rate. The facility can be availed by net banking or by informing the customer care.
  • EASY REPAYMENTS: using the flexi-pay option the BPCL SBI card holder can easily repay their transactions.
  • ADD ON CARDS: another prime benefit that you will get while using the BPCL SBI card is availing the add-on cards for free. Family members of the original card holder (must be above 18 years of age) can easily avail the add on cards.
  • EASY MONEY: Another ground breaking feature of the BPCL SBI card is the easy money feature which you can avail quite easily. To begin with the scheme is quite simple- just converting your cash limit into actual cash using net banking. The same thing can be done by requesting a draft or cheque as well, which will be delivered to your address.
  • FUEL SURCHARGE WAIVER: as a BPCL SBI card holder you are entitled to a surcharge waiver of 1% up to 4000 thousand rupees. In this scheme you can effectively waive ₹1200 annually.

  CONS

  • As the BPCL SBI card is essentially formulated to ease the burden of fuel costs, which seriously bothers a common man, it hardly takes care of the other aspects such as entertainment and luxury. Thus benefits in those fields are limited to a large scale

IRCTC SBI™ Platinum Card
Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
₹500
Joining Fee
IRCTC SBI™ Platinum Card
IRCTC SBI™ Platinum Card
₹500
Joining Fee
Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in

Chqbook Review

The SBI IRCTC Platinum Credit Card has been expressly designed for users so as to address the specific needs and preferences in travel and lifestyle. The SBI IRCTC Platinum Credit Card adds an aesthetic touch to the users’ regular expenditure and travel bookings. The SBI IRCTC Platinum Credit Card brings the unique blend of conveniences and privileges which includes 100% value pack on the AC Ticket fare as railways points and complimentary membership to Shubh Yatra Scheme for regular traveler’s et al

  PROS

  • Facilities such as Flexipay help you with easy money and transfer of balance amount or automated payment of bills. Convert your transactions in monthly installments with Flexipay. Just transact for ₹ 2,500 or more and log on to the official website of SBI within 30 days of purchase to convert it into Flexipay
  • The SBI IRCTC Platinum Credit Card has exemplary reward packages for its customers. Buy tickets through the official website of IRCTC for AC1, AC2. AC3 and AC CC and gain upto 10% Valueback as turbo points (1 Reward Point = ₹ 1). You can also gain 1 Reward point for every ₹ 125 expended on non-fuel retail purchases, including booking of railway ticket through the official website of IRCTC
  • The SBI IRCTC Platinum Credit Card holders are exempted from paying the additional charge of on 1% fuel across all petrol pumps in India, on transactions of ₹ 500 - Rs. 3,000, exclusive of GST and other charges
  • The SBI IRCTC Platinum Credit Card is exclusively a travel card and has worldwide acceptance. This travel card can be used in over 29 million outlets across the globe, including 3.25 lakh outlets in India. All users need to do is to look for the VISA sign with the merchant and present their card for payment. With global acceptance, users can travel anywhere and avail all the attractive benefits and offers provided by the card
  • As the SBI Platinum IRCTC Credit Card has universal acceptance, the card holders can withdraw cash anytime from any Visa ATM. The users have the alternative to withdraw cash from over 1.2 million VISA ATMs across the world which includes 18,000 ATMs in India. You also get access to over 10,000 SBI ATMs across over 100 cities in India itself from where you can withdraw money anytime

  CONS

  • Interest rate charges of SBI IRCTC Platinum Credit Card are a tad bit high in comparison to its compeers. The rate of interest is 3.35% per month (40.20% per annum)
  • While the SBI IRCTC Platinum Credit Card offer satisfactory rewards, there several other cards which give you better flexibility while booking flights from any airlines and yet gain reward points

Mumbai Metro SBI™ Card
2000 turbo points on expenditure of ₹2000 within initial 60 days
₹499
Joining Fee
Mumbai Metro SBI™ Card
Mumbai Metro SBI™ Card
₹499
Joining Fee
2000 turbo points on expenditure of ₹2000 within initial 60 days

Chqbook Review

Mumbai Metro SBI Card enables you to travel seamlessly on Mumbai Metro. It also comes with the convenience of shopping from various traders. The Mumbai Metro SBI combo card facilitates commuters to have one card which act as a travel cum shopping card. Apply to avail express privileges such as speedy rewards, offers of dual usage, fuel surcharge exemption, automated top-up etc.

  PROS

  • You get the valuation of Rs 50 pre-charged on your Mumbai Metro SBI Card
  • Mumbai Metro SBI Card gives 2000 turbo points on expenditure of Rs 2,000 within the initial 60 days
  • Mumbai Metro SBI Card provides automatic top-up of Rs 200 when the balance amount reaches to Rs 50
  • You have the facility of dual usage through the Mumbai Metro SBI Card. Gain 10x Reward points and get rebate up to 20% on travel through Mumbai Metro and 10 Reward points per Rs 100 expended on Auto Top up
  • Mumbai Metro SBI Card also gives you the opportunity to win speedy rewards like 10 reward points per ₹100 spent on Departmental stores and Grocery and 1 reward point per ₹100 spent on other items
  • Transact an amount between ₹500 to ₹3,000 at any petrol pump in India to avail the offer on fuel surcharge exemptions
  • Cardholders get the reversal on Annual Membership Fee from second year of subscription on annual expenditures of ₹1,00,000

  CONS

  • The welcome freebie of 2000 points is applicable for a new SBI Metro Credit Card customer. You will be eligible for a welcome gift of additional points only if you apply for a new credit card separately alongside the existing one. Besides, no claim can be laid on a welcome gift for advances in cash transactions, balance transfer and?Easy Money Draft expenditures
  • The reward rate of Mumbai SBI Metro Credit Card is very meager up to 2.5%. Speedy rewards are confined to retail shopping and some other categories.
  • Mumbai SBI Metro Credit Card is affordable for Metro travel in Mumbai as an individual credit card. It means you cannot use the Mumbai Metro card for Chennai or any other city in India. It is mandatory to use different credit cards for every city. However, you can enjoy shopping in any part of the world at the merchant outlets with the Mumbai SBI Metro Credit Card
  • The rate of interest of Mumbai SBI Metro Credit Card is 3.35% each month, which is 40.2% per year. This is an exorbitant rate to pay when you default the minimal amount outstanding by the due date.
  • Mumbai Metro SBI Metro Credit Card is not designed with the provision for free movie tickets or dining offers
  • Mumbai Metro SBI Metro Credit Card is mainly formulated for metro travel privileges. Therefore you have no scope for luxury comforts of access to air lounge, concierge and golf spree from Mumbai Metro SBI Credit Cards

SBI™ Card ELITE
Free Movie Tickets worth ₹6,000 every year
₹4,999
Joining Fee
SBI™ Card ELITE
SBI™ Card ELITE
₹4,999
Joining Fee
Free Movie Tickets worth ₹6,000 every year

Chqbook Review

If you are looking for a credit card that fits right with your desire to shop and live up life the way you want to, SBI Card Elite is the perfect kind of credit card for you from State Bank of India. With this card in your possession, you can expect the best experience, unmatched convenience and exciting offers and benefits with its use on paying for all of your spends

  PROS

  • To begin with, it has a welcome e-gift voucher worth ₹5,000 from reputed brands such as Shopper's Stop, Yatra, Marks & Spencers, Bata / Hush Puppies and Pantaloons
  • It has a scheme of awarding 50,000 bonus reward points on annual spends with this card. You can also earn five times the amount of reward points every time you utilize this card to pay for such services as dining and spends on purchasing items from departmental and grocery stores
  • It also provides a benefit on international spends, by providing the lowest foreign currency mark-up change

  CONS

  • The only kind of con or disadvantage that could present itself to a prospective cardholder is the fact that both the annual fee and joining fee of SBI Card Elite cost around a rupee shy of 5,000 bucks. This one facet might singularly deter a large number of prospective card owners, lest they don't possess the requisite financial means to maintain this card in the first place
  • Another disadvantage that can be attributed to the card is that it is mostly focussed on providing benefits and rewards only when it is utilized by the cardholder to serve their interests to upgrade their shopping and general lifestyle choices, even though SBI Card Elite has the ability to give the cardholder to have access to airport lounges and to spend money when it in India. Under such factors, this card's sole disadvantage might be in it not being used to its full potential and being more or less out of reach for people having limited fiscal means
  • Another, albeit minor, con associated with the card is that a person below 21 years of age is not eligible to apply for this card

SBI™ Card Prime
Welcome e–gift Voucher worth ₹3,000 from from select premium brands
₹2,999
Joining Fee
Shopping
SBI™ Card Prime
₹2,999
Joining Fee
Welcome e–gift Voucher worth ₹3,000 from from select premium brands

Chqbook Review

Daily purchases now made easy with SBI Card PRIME. Simply wave your card at a secure reader to transact

  PROS

  • As has been stated, SBI Card Prime is indeed a prime example of a credit card that provides for immense comfort and luxury when it comes to procuring goods and services with ease
  • It has a welcome gift e-voucher worth ₹3,000 from any of the following brands, viz., Yatra, Hush Puppies/Bata, Marks and Spencers, Pantaloons or Shoppers? Stop
  • Other such lifestyle deals include an e-voucher by Pantaloons or Yatra worth 7,000 rupees for spends of ₹5 lakhs
  • Also, for quarterly spends of ₹50,000, Pizza Hut offers an e-voucher that is worth a thousand rupees
  • All these incentivizing benefits, along with the relatively affordable joining and annual fees, make this a card that is advantageous to own

  CONS

  • Although the joining fee and the admission fee are more or less affordable, those who have a low paying job would prefer taking a credit card that costs less to maintain and renew
  • Also, SBI Card Prime is for the most part, in the strict classification schema, a traditional lifestyle credit card that rewards the cardowner for taking certain lifestyle choices; though it has very minor travel features which we shall mention later on. It can be summarized that since it is for the most part a lifestyle card, it is preferable for people with more purchasing power to possess this card, which makes it out of reach for most individuals
  • Another disadvantage that might be mentioned is that it has different slabs for different categories of applicants. For example, salaried individuals need to be at least 21 years old while self-employed individuals need to be at least 25 years old. On the other hand, pensioners have to be at the very least be 40 years old to apply for the credit card. This non-uniformity in application criteria further complicates the matter when it comes to choosing this card

SimplyCLICK SBI™ Credit Card
Contactless Credit Card _ Make payments Upto ₹2000 without using the PIN
₹499
Joining Fee
Shopping
Dining
SimplyCLICK SBI™ Credit Card
₹499
Joining Fee
Contactless Credit Card _ Make payments Upto ₹2000 without using the PIN

Chqbook Review

For Rs. 1 lakh and Rs. 2 lakh spent online annually, customers receive e-gift vouchers valued at Rs. 2000 each.

  PROS

  • The most glaring and obvious advantage of Simplyclick SBI Card is its very low and very affordable joining fee. This means almost anybody can get to possess the credit card without spending too much out of their own pockets
  • Neither does one need a silver spoon to renew this card every year, since Simplyclick SBI Card?s renewal fees cost the same amount as the joining fee itself, making it quite economical to own and utilize the accentuate your credit card experience
  • Besides, it also offers a gift voucher from Amazon, worth ₹500 rupees, on joining

  CONS

  • However, as a card that is relatively small featuring comparatively minor benefits and features, Simplyclick SBI Card might appear as a redundant entity to many people, and they would not really want to spend their money on getting this card
  • Another disadvantage is its complicated sets of eligibility criteria that is applicable for different sets of people. For example, if one is salaried, they need to be at least 21 years old to apply. In the case of a person who is self-employed, they need to be at least 25 years old in order to file an application. For pensioners, the minimum required age is 40, at which they can successfully apply for the card. Therefore, the sheer affordability of the card and the complex eligibility criteria do not quite gel well together and seem to be contradictory to each other, proving it to be a strange kind of disadvantage that might stand in its way of being chosen by prospective cardholders

SimplySAVE SBI™ Card
SimplySave SBI card holders can bag 2000 bonus points on spending ₹2000 within the first 60 days
₹499
Joining Fee
SimplySAVE SBI™ Card
SimplySAVE SBI™ Card
₹499
Joining Fee
SimplySave SBI card holders can bag 2000 bonus points on spending ₹2000 within the first 60 days

Chqbook Review

This SimplySave SBI card does justice to its name, offering the user thousand and one option of saving his bucks, while maintaining his standard way of life

  PROS

  • With the SimplySave SBI card, you have access to your money; anytime and anywhere. With the help of the card you can withdraw money from any one of the 1million master card kiosks globally
  • You can avail the easy pay facility to pay your utility bills such as insurance premiums, telephone bills, and internet bills easily. And for that you don't have to pay any extra charge
  • Flexible EMI option is available with the SimplySave SBI Card
  • Easy application for add-on card is now possible with the SimplySave SBI Card
  • You can actually choose your own gift against the point redemption scheme. Infact you earn a reward point per transaction of ₹100. Credit cards were never this easy before
  • Another innovative feature of the SimplySave SBI Card is the option to payback your credited amount with the collected reward points.
  • If your transaction volume is or over ₹90,000 with the SimplySave SBI Card, then you don?t have to pay the renewal fees
  • The SimplySave SBI Credit Card has immense global acceptance. So as to say nearly 24million stores are connected to it on the global scale. So now where ever you go from Japan to France, you can efficiently use the card to enjoy all the flavors of the new land
  • Over 3.25 lakh Indian stores are also connected with the SimplySave SBI Credit Card

  CONS

  • As the SimplySave SBI Card is more focused to a large range of general utility tasks, they lack specialization in certain fields. Such as travel

Yatra SBI™ card
Get Yatra.com vouchers worth ₹8,250 on joining
₹499
Joining Fee
Yatra SBI™ card
Yatra SBI™ card
₹499
Joining Fee
Get Yatra.com vouchers worth ₹8,250 on joining

Chqbook Review

The SBI YATRA CREDIT CARD is one in a million; the unique breed which although crafted for the wanderer at heart, yet take care of the other aspects as well

  PROS

  • Global Usage: Thanks to the marketing tie-ups of SBI, the SBI YATRA CREDIT CARD can be used at over 24million stores worldwide
  • Massive domestic exposure: you can use the SBI YATRA CREDIT CARD to buy from any one of the 3.25 lakh stores in India, scattered throughout the country. The sheer scale is unprecedented
  • Payment of utility bills: Another unique feature of the SBI YATRA CREDIT CARD is the easy bill pay option, which handles the payment of all your utility bills such as telephone, insurance, electricity well before the due date
  • Add on cards: The users of the SBI YATRA CREDIT CARD can avail add-on cards facility for their family members. The only criterion is that the family member must be above 18 years of age
  • Flexi pay and balance transfer: by using your SBI YATRA CREDIT CARD you can easily transfer your credit dues from other credit cards to the yatra card, and repay them in lower interest rates. The flexi-pay option comes handy while you make a new transaction, repaying expensive purchases with bearable monthly installments under lower interest rates
  • Easy money drafting: by using the SBI YATRA CREDIT CARD you can make a money draft anytime you want, by just calling the card helpline
  • Moreover you get a discount of about 1000 rupees on the booking of domestic flight tickets if you avail the SBI YATRA CREDIT CARD
  • The SBI YATRA CREDIT CARD will get you a discount of 20% on the booking of domestic hotels.
  • Accidental coverage: The SBI YATRA CREDIT CARD holder gets an accidental coverage of 50lakh rupees on air travel. But to avail the benefit you must book the ticket from yatra.com using the card
  • By availing the card you get exclusive access to the MasterCard airport lounges throughout the country
  • Also you get to avail the fuel surcharge waiver of 1%

  CONS

  • As the SBI YATRA CREDIT CARD is aimed primarily for the brood of tourists and people on the go, primary focus is on tour related spending. The scope of using the card for other day to day activities is rather limited

fbb SBI™ STYLEUP Contactless Card
The FBB SBI STYLEUP CONTACTLESS CARDwill earn you 2.5% value back on all spends across fbb, Big Bazaar or Food Bazaar outlets across India
₹499
Joining Fee
fbb SBI™ STYLEUP Contactless Card
fbb SBI™ STYLEUP Contactless Card
₹499
Joining Fee
The FBB SBI STYLEUP CONTACTLESS CARDwill earn you 2.5% value back on all spends across fbb, Big Bazaar or Food Bazaar outlets across India

Chqbook Review

One of its kinds, the FBB SBI STYLEUP CONTACTLESS CARD is the ultimatechoice for the metro crowd. It not only helps to avail all that a metro city offers, but at the same time never weights heavy on the wallet

  PROS

  • You can always have your hands on ash, with over 24million ATM kiosks falling under the grid
  • The easy pay facility of the FBB SBI STYLEUP CONTACTLESS CARD makes sure that you never miss a payment of your utility bills such as insurance, internet, telephone and so on. Moreover you can pay all of them at zero additional charge
  • The FBB SBI STYLEUP CONTACTLESS CARD comes with flexi pay option, which enables you toconvert all your transaction into easy monthly segments
  • The balance transfer option of the FBB SBI STYLEUP CONTACTLESS CARDenables you to transfer any other outstanding creditcard balance to your sbi card. And then on you can repay them under easy installments and lower rate of interest
  • With the easy money facility towed with the card, you can always have money when you need. This facility you can get a draft or cheque against your credit limit
  • The FBB SBI STYLEUP CONTACTLESS CARD is undoubtedly a global creation. You can use this card anywhere across the world, with over 24million stores falling under the grid
  • There are over 3.25 lakh stores in India, from where you an avail immense discounts and other facilities using this card
  • You an avail add-on cards for member of your family, given the fact he or she is above 18 years of age
  • The card comes with an impressive replacement facility. It means that even if you lose your card in a foreign country, you will get an easy replacement. The 24X7 helpline is always at your service for emergency card replacement
  • The card awards you a 10X reward point on all spending at Big Bazaar, fbb and Food Bazaar, along with the dining spending as mentioned earlier
  • With the card, you can avail an anniversary gift of 2000 bonus points every year, which is redeemable at the fbb, Big Bazaar and Food Bazaar stores

  CONS

  • As the FBB SBI STYLEUP CONTACTLESS CARD ispivoted more towards fashion spending and urban usage, it is a bit weak for heavy daily usage. Although it has got a global footmark, yet its features might seem limited to a seasoned traveler
  • The card lacks even in the domestic cluster in features such as domestic travel, airfares and so on. Health facility is also not well covered

3050 Reviews Sort
Newest

Satisfactory customer support

1 week ago | Chandra Shekhar Gonawat
I have taken a credit card with SBI Card Prime credit card and limit on the card is 80,000.The customer support is satisfactory and they are responsive. SBI Card Prime credit card customers have to pay an annual fee of rs. 500 Which is billed in the first month statement of the card. Its onetime payment.

This card is of no use

1 week ago | Husen Sab Imam Sab Munavalli
I have a SBI Bank Prime credit card. The service i got from this card is the worst i would like to say. I suggest don't take this card. Its of no use.

Happy to get the bonus points

2 weeks ago | Rajendra Prasad Sharma
It gives 1000 bonus point as anniversary benefit and 500 points in birthday month. And i can use it at once at any shop of my choice.

Comfortable credit limit

2 weeks ago | Shilpa Singh
SBI Card Prime credit card service is good. The credit limit is comfortable for me compared with others in the market. It is a good experience .

Pathetic response from customer care team

2 weeks ago | Jayakumar Duraisamy
I have an SBI Card Prime Credit Card. The response from the customer service is not as expected. They behave rudely with the customer.

Good credit limit with this card

2 weeks ago | Nuzhat Shabbir
Got the Simply CLICK SBI Credit Card around 6 months ago. The customer support service and the response is average with the SBI bank. The credit limit value is good with this Simply CLICK SBI Credit Card and i am satisfied with it. You can avail lounge service with this card.

Great card for online use

2 weeks ago | Kandula Dharmender
i use this credit card for online purchases, shopping, fuel charges and for traveling purpose. The customer support service is good with the SBI and they giveproper response to the customers. With every purchase i got cashback of 5%.

Need to work on customer satisfaction

3 weeks ago | Prity Gupta
Happy with the service of SBI Card Prime credit card. Need to improve the customer satisfaction. Other facilities are overall good.

Totally wastage of money on this card

3 weeks ago | Avinash K C
The card don't have any facility. It's a waste of money to take this card. And moreover the customer care of the bank is not at all satisfactory.

Discount on shopping in a reall advantage

3 weeks ago | Inderjit Singh
If you like to shop then you get a lots of points by spending through this card. Every time you shop you will get 5% cashback.


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