Best SBI Credit Cards in India
SBI Cards and Payment Services Limited is the credit card division of the State Bank of India, the country’s largest public sector bank. Established in October 1998, it has grown into one of India's most trusted financial institutions. As of January 2024, SBI has issued around 1.86 crore credit cards, making it the second-largest credit card provider in India, just after HDFC Bank. Headquartered in Gurugram, Haryana, SBI Cards operates in over 100 cities, ensuring accessibility for customers across the country. With strong backing from the State Bank of India, the company has received multiple awards, including the Most Trusted Brand Gold Award. Many people are interested in getting SBI Credit Cards, but with so many options available, it can be challenging to choose the right one.
SBI offers over 50 credit cards, catering to different financial needs and lifestyles. Whether you need a basic card for everyday expenses or a super-premium card with exclusive perks, there’s an option for everyone. SBI Credit Cards provide benefits like cashback, travel rewards, fuel surcharge waivers, and discounts on shopping, dining, and entertainment. Some cards are specially designed for frequent travelers, offering airport lounge access and international spending benefits. Others are focused on online shopping, providing high cashback and reward points on e-commerce platforms. With such a wide range of choices, SBI ensures that customers can find a card that suits their spending habits and financial goals.
Choosing the right credit card can be confusing, but understanding the features and benefits of each option makes the process easier. This article will help you explore the best SBI Credit Cards, their features, and why they might be the perfect choice for you. Whether you’re looking for a rewards card, a travel card, or a card with low fees, SBI has something for everyone. Keep reading to discover the top SBI credit cards and find the one that best fits your needs!
List of Best SBI Credit Cards in India
SBI Card offers a wide variety of credit cards, which can make it hard to explore all their benefits and features in one place. To help you, we’ve compiled a list of the best SBI Credit Cards available in India. We've also highlighted some of the top cards further in this article. Keep reading to learn more about all the options from SBI Card, so you can compare them based on your needs and make an informed decision when applying online.
SBI Credit Card Benefits and Features
SBI Credit Cards offer a range of benefits tailored to different needs. Here are some key features you may receive:
- Welcome Benefits: New cardholders may receive perks such as reward points, cashback, or complimentary memberships. Some cards require a minimum spend within a specific timeframe to unlock these benefits.
- Rewards & Cashback: Earn reward points or cashback on your purchases. The rate and type of rewards vary depending on the card and spending category.
- Milestone Rewards: Additional benefits can be earned by reaching a specified spending target. For example, some cards offer bonus reward points or vouchers upon meeting annual spending thresholds.
- Travel Benefits: Travel-focused SBI Credit Cards offer privileges like complimentary airport lounge access, free flight tickets, and airline membership perks, making them ideal for frequent travelers.
- Entertainment Discounts: Enjoy savings on movie tickets, dining, and other entertainment expenses, including exclusive offers on platforms like BookMyShow.
- Other Advantages: Some SBI Credit Cards provide additional benefits, such as fuel surcharge waivers, insurance coverage, annual fee waivers based on spending, and fraud protection.
Eligibility Criteria for SBI Credit Cards
- Salaried individuals: Age between 18 and 65 years.
- Self-employed individuals: Age between 21 and 60 years.
- A stable income source (salary criteria may vary by card).
- A good credit history.
Required Documents for SBI Credit Card
| Category | Documents |
|---|---|
| Identity Proof | PAN Card |
| Address Proof | Aadhaar Card, Passport, Voter ID, Driving License, Rent Agreement, or Utility Bills |
| Income Proof | Salaried Employees: Recent salary slips Self-Employed Individuals: Latest Income Tax Return (ITR) or Form 16 |
How to Apply for an SBI Credit Card
You can apply for an SBI Credit Card online or offline:
- Offline: Visit the nearest SBI branch and fill out the application form.
- Online:
- Visit the official SBI Card website.
- Click on ‘Apply.’
- Select your preferred credit card and click on ‘Apply Now.’
- Fill in the required details and submit the application.
For assistance, contact the SBI Credit Card helpline at 39 02 02 02 (with your city’s STD code). Ensure you meet the eligibility criteria and maintain a good credit score before applying.
Track Your SBI Credit Card Application Status
If you have applied for an SBI credit card, you can check your application status online using the SBI Track-Retrieve Form. Just enter your application number. You can also contact SBI Credit Card Customer Care for help.
How to Activate Your SBI Credit Card
You can activate your SBI Credit Card in different ways:
- At an SBI ATM: Visit an SBI ATM, select ‘Create PIN Using OTP’, enter the OTP sent to your registered mobile number, and set your PIN.
- Via Internet Banking: Log in to your SBI Internet Banking account, go to ‘Manage PIN’ under ‘My Account’, and follow the instructions.
- Through SBI Chatbot ILA: Visit the SBI Card website, click on ‘Ask Ila’, type “How to generate PIN for my credit card”, and follow the chatbot's guidance.
- By Contacting Customer Care: Call the SBI Credit Card Customer Care helpline and request assistance.
SBI Credit Card Login / Net Banking Registration
To use SBI Credit Card Internet Banking, follow these steps:
- Go to the SBI Card official website.
- Click on ‘New User? Register Now’.
- Enter your credit card details and continue.
- Set up a username and password, then confirm your registration.
SBI Credit Card Customer Care
For any queries, you can contact SBI Credit Card Customer Care:
- 24x7 Helpline Number: 1800 180 1290
- Email Support: Available via the SBI Card website or internet banking.