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SBI Credit Cards

SBI SimplyClick is a perfect all-in-one credit card for online shoppers. Grab 10X rewards points at Amazon, BookMyShow, Cleartrip, Lenskart & Netmeds. 5X rewards on all other online spends. With each card swipe you enjoy amazing deals, discounts & value back offers daily.

SBI Credit Card Features

SBI Credit Cards are among the most preferred Credit Card options in the country since their entry in the market in the year 1998. Today they have become the second largest Best Credit Card Provider in India, with millions of satisfied customers who are availing wide range of SBI Debit Card & credit card benefits.

Some features and benefits that set SBI Credit Cards apart from the rest are as follows:

  • Email and SMS notification: With every transaction, you have the advantage of real-time transaction details and Credit Card limit alerts that are sent to you via emails and SMS.
  • Safe and Secure Cards: These cards use pin and chip technology, which is accepted worldwide and can be used in millions of outlets across the globe.
  • Increase Credit Limit: You have the option of increasing your Credit Card limit when you deem necessary.
  • Online Account Access: You can access your Credit Card account from anywhere in the world to check transactions and limit on your card.
  • Control your spending: You can add daily, weekly, and monthly limits to limit your spending on the card.
  • Insurance: You can choose insurance options for card theft in addition to accessing health, mobile phone, automobile and travel insurance on your SBI Credit Card for emergencies.

SBI Credit Card Benefits

  • SBI Credit Cards are powered-packed Credit Cards that are also backed by MasterCard/Visa Privileges and SBI Card advantage. Owning an SBI Credit Card, you hold an international card that is accepted in more than 24 million outlets across the globe. Each SBI Card is carefully designed to meet the customized need of each segment of customers, varying from travel, shopping, rewards & cash back to lifestyle to dining and much more. 

    Some of the common benefits which are akin to each SBI cardholder include:

  • Reward points: With your SBI Credit Card, you earn rewards points on retail purchases made for online booking, movie tickets booking, dining, and departmental stores. You can conveniently redeem these points to pay back your Card outstanding or avail amazing gifts or gift vouchers listed on rewards booklet.
  • Special offers: You can get several offers including special weekly offers, and exclusive Visa offers on your transactions.
  • Discount offers: Many of the SBI Cards are wrapped with welcome gift vouchers and discount schemes with partner websites and retail stores.
  • Fuel surcharge waiver: Your SBI Card also helps you save every time you refill fuel at the petrol pumps across the country. You earn 1% surcharge waiver, subject to a monthly limit that is defined on each card.
  • Global acceptance: SBI Cards are globally accepted and can be used as international cards. SBI Travel Cards also bring free global replacement benefit. You can seek emergency card replacement service if you lose or break the card on the foreign land.
  • Flexipay: Flexipay EMI allows you to convert your retail purchases via card into equated monthly instalments.
  • Lower interest rate using BT facility: Balance Transfer(BT) facility on your SBI Card enables you to save while paying out your credit card dues. You can transfer your other banks' credit cards' outstanding balance to your SBI Card at an affordable EMI which is calculated at a lower rate of interest.
  • Easy Bill Pay Facility: Easy online payment options ensure that you never miss any repayments on your card.
  • Easy Cash: Easy encashment options allow you to get cash via online or phone requests for any additional cash requirement.
  • Lowest Forex Markup: You enjoy the lowest Foreign Currency Mark-up Charge of 1.99% on International use of SBI Card.
  • Club Vistara Membership: As a select SBI credit card member, you also get complimentary Club Vistara Silver membership.
  • Trident Privilege Membership: Another complimentary membership is Trident Privilege Red Tier
  • International Lounge Program: You can enjoy complimentary Priority Pass Program membership worth which makes you eligible for visits to select International Airport Lounge visits.
  • Domestic Lounge Program: Likewise, you also enjoy complimentary access to the Domestic Airport Lounge.
  • Milestone Privileges: With each card, you can earn Bonus Reward Points every year on crossing an annual milestone. The milestone privileges include annual recharge fee waiver, 1000s of reward points and much more.

SBI Credit Card Documents

  • Following is the list of common documents to be submitted by each applicant for approval of the SBI Credit Card:

  • Identity Proof Documents 
    • Aadhar
    • Passport
    • Voter's ID Card
    • Driving License
    • PAN Card
  • Address Proof Documents 
    • Aadhaar card
    • Driver's License
    • Any of the utility bills such as telephone bill, water bill, insurance, piped gas bill, postpaid mobile bill or electricity bill. The bills should not be more than 2 months old.
    • Property/Municipal Tax receipt
    • Payment orders for pension or family pension issued by State/Central Government departments to retired employees.
    • Letter of allotment of accommodation provided by the employer.
  • Income Proof Documents            
    • Latest salary slips (not more than 3 months old)
    • Last 3 month' bank statement
    • ITR
    • Form 16
  • Age Proof Documents
    • Birth certificate
    • Class X Certificate
    • voter's ID

SBI Credit Card Eligibility

  • SBI Credit Card can be applied by salaried individuals, self-employed professionals, and businessmen. However, to apply they need to fulfill the eligibility criteria as decided by the bank.

    Eligibility Criteria Salaried Employees/Self-employed professionals, and businessmen
    Monthly Salary or ITR
    • Minimum monthly salary Rs. 20,000 (For salaried employees)
    • Annual ITR of Rs. 5 Lakhs (For Self-employed professionals and business owners)
    Credit Score Good credit score e.g. 700 and above (Subject to the bank's internal credit checking process)
    Age 21 years and above

    The SBI credit card eligibility criteria for each type of Card differ greatly. To check eligibility for a particular card, the common SBI credit card eligibility factors based on the requirement and the income of the applicant are:

  • Minimum age: 21 years
  • Maximum age: 60 years
  • Applicant must have a regular source of income
  • Applicant must have a decent credit score
  • Minimum salary should be  20,000 per month

 

Fee & Charges

  • Annual & renewal fees: Annual fee is a one-time charge & renewal fee is charged every year. These charges may vary for different card variants and cardholders.
  • Cash advance fee: 2.5% or Rs. 500, whichever is higher at domestic ATMs & 2.5% or Rs. 500, whichever is higher at international ATMs.
  • Cash payment fee: Rs.199 + all applicable taxes.
  • Finance charges: Up to 3.50% per month or 42% per annum from the date of transaction (minimum Rs. 25 for each transaction, exclusive of applicable taxes).
  • Late payment charges: 
  • Total amount due Rs. 0 - Rs. 500: NIL
  • Total amount due above Rs. 500 & up to Rs. 1,000: Rs. 400
  • Total amount due above Rs. 1000 & up to Rs. 10,000: Rs. 750
  • Total amount due above Rs. 10,000 & up to Rs. 25,000: Rs. 950
  • Total amount due above Rs. 25,000 & up to Rs. 50,000: Rs. 1,100
  • Total amount due above Rs. 50,000: Rs. 1300
  • SBI will also levy an additional late payment charge of Rs. 100 on missing Minimum Amount Due payment by the due date for 2 consecutive cycles.
  • Overlimit fees: 2.5 % of the overlimit amount or Rs. 600, whichever is higher.
  • Payment dishonour fee: 2% of payment amount, minimum Rs. 500
  • Card replacement: Rs. 100 - Rs. 250 (Rs. 1,500 for Aurum)
  • Statement retrieval fee: Rs. 100 per statement for more than 2 months old statements
  • Foreign Currency Transaction fee: 1.99% for Elite & Aurum Cardholders and 3.5% for all other cards.
  • Network change fee: Rs. 200
  • Ad-hoc credit limit increase fee: Rs 200
  • Cheque payment fee: Rs. 100
  • Dynamic & Static Conversion Markup fee: 1.99% for Elite & Aurum cards and 3.50% for all other cards (Only for transactions above or equal to Rs. 1,000).

How to Apply SBI Credit Card?

If you want to avail SBI credit card apply online as it is the easiest and fastest way to get SBI credit card. 

Applying for an SBI credit card is easy through our website. TheMoneyTrunk offers instant online for selected SBI cards. Through our platform, you can get the information about various SBI credit cards including the SBI credit card annual fee, features and benefits, documentation, SBI credit card offers, etc. You can check your eligibility for the cards and apply for the best suitable one within a few minutes.

  • Visit TheMoneyTrunk.com
  • Click on ‘SBI’ under ‘Credit Cards’ section on the homepage.
  • Choose the card you wish to apply for.
  • Click on the ‘EConnect’ button.
  • Provide your personal details like full name, date of birth, mobile number, email ID, mother’s name, father’s name, marital status, PAN number, and nationality. 
  • Mention your office and residence address details.
  • Provide your work related details like employment/applicant type, annual income, company name, designation, and office email.
  • Accept the ‘Terms & Conditions’ and click on the ‘Submit Application’ button to complete your application.
  • You will receive a call from our credit card experts within a short period.

Additionally, you can apply for the card form the official website of SBI by following the steps mentioned below:

  • Visit the official SBI credit card website at https://www.sbicard.com/en/eapply.page.
  • Choose your card type by reading the features and benefits of the card and click on the ‘Apply Now’ button given below the chosen card variant. 
  • Click on the ‘Start apply journey’.
  • Enter your personal details, professional details and KYC information.
  • A representative of the SBI will contact you to take your application further.
  • Alternatively, you can also visit the nearest SBI branch to apply for a credit card offline.

SBI Credit Card Balance Transfer and It's the Benefits

The Balance Transfer (BT) facility on your SBI Credit Card enables you to transfer the outstanding balance on your other credit cards from other banks to your SBI Card at a lower rate of interest. When you decide to pay back this transferred balance in EMIs, the facility is called as BT on EMI.

You can book Balance Transfer on credit card in 3 simple ways:

  • Accessing your Online SBI Card Account: Login and click 'Benefits.' Further, select 'Balance Transfer' and fill the application. You can instantly share details and book BT.
  • SMS Service: Send text message "BT" to 56767
  • SBI Helpline: Call SBI Card helpline and request for BT service.
  • You can also Login and speak with Chatbot ELA, for booking BT.

Benefits of booking balance transfer on your SBI Card

  • Hassle free, instant booking.
  • Converts outstanding credit of other bank cards at a lower rate of interest.
  • You can opt to pay back in EMIs.
  • Facility to consolidate your credit card dues.
  • You get the flexibility to transfer amount ranging from 5000 to 75 % limit of the available card limit.

SBI Credit Card Reward Points

With every swipe, you earn reward points on your SBI Credit Card. These reward points can be redeemed to make several online purchases through associated vendors or through a dedicated online store on www.sbicard.com.

How do you earn reward points?

The reward points that you earn per transaction depend upon the type of Credit Card that you have. To check the reward points:

  • Choose the card type
  • Click on "Terms and Conditions" on the left hand side
  • Click on the "Shop and Smile" reward program
  • The points that you have earned will be mentioned under the "Points Earned Accumulated/ Redeemed" section in your account.

How to check your rewards summary?

To check the rewards that you have earned:

  • Refer to your latest statement
  • Log on to your account on sbicard.com. Go to the Dashboard and find the reward points and summary section.
  • SMS "Rewards XXXX" to 5676791 from your registered mobile number. XXXX stands for the last four digits of your Credit Card.

How to redeem the reward points?

  • You can redeem your reward points against Gift Vouchers through www.sbicard.com or on the SBI Card mobile app. In the "Rewards" section, click on "Redeem rewards" to see the various vouchers available.
  • You can also redeem your reward points against cash. Call the helpline or write to customer care on the email link provided on www.sbicard.com.

SBI Credit Card Bill Payment

  • You have both online and offline options to pay your Credit Card bill.

    Online SBI Card bill payment

    The various  online SBI Credit Card Payment options available are as follows:

  • NEFT payment
  • Paynet - Pay Online
  • Visa Credit Card Pay
  • Using internet banking services of your SBI current/ savings account
  • Electronic bill payment using the SBI Credit Card net banking services of your current bank account.
  • National Automated Clearing House
  • Use any debit card to pay the SBI Card bill online through your account.
  • Pay via SBI mobile app
  • Pay via UPI
  • Pay Via YONO
  • Offline SBI credit card payment options

  • You can pay over the counter in your nearest SBI branch.
  • Deposit payment cheques in electronic drop boxes.
  • Drop payment cheques at your nearest SBI drop box.
  • Pay using your SBI Debit Card via any SBI ATM.

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