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Home » Looking For a Credit Card That Caters to All Your Needs? SBI Credit Cards Can Be Your Ideal Pick!

Looking For a Credit Card That Caters to All Your Needs? SBI Credit Cards Can Be Your Ideal Pick!

SBI Credit Card

Credit cards have become necessary for almost every individual in this pricy and expensive world. Due to a speedy approval process, applying for a credit card is now simpler than ever for salaried people. Due to the advantages, SBI credit cards offer, more people are applying for them since SBI is the largest lender among banks in India.

Compared to other Indian banks, SBI credit cards provide some of the best discounts, perks, and privileges to their consumers. Also, they have 50+ options of credit cards to choose from. However, picking the best credit card for your needs might be difficult because each credit card has advantages and disadvantages.

To assist you in selecting the best SBI credit card for your needs, we have analyzed and reviewed the top SBI credit cards. We have put them together in this post so that you will find it easier to get one for yourself. So, without any further ado, let’s get started with it. 

List of Top 6 SBI Credit Cards In India 2022

Credit Card

Annual Fee (in Rs.)

Best Suited For

SBI SimplyClick Card

Rs.499+GST

Shopping

SBI BPCL Credit card

Rs.499+GST

Oil

SBI Elite Credit Card

Rs.4999+GST

Shopping

Air India SBI Signature Credit Card 

Rs.4999+GST

Travel

SBI Prime Credit Card

Rs.2999+GST

Shopping

BPCL SBI Credit Card Octane

Rs.1499+GST

Oil

Let’s know about these cards in a more detailed way:

  1. SBI SimplyClick Card

  • 10x Reward Points on selected merchant websites such as Amazon, BookMyShow, Cleartrip, Lenskart, and Netmeds when you shop online.

  • Other online purchases earn you 5x Reward Points.

  • On a total annual online spend of Rs.1 lakh and Rs.2 lakh, you will receive an Rs.2,000 online coupon.

  • For a yearly spend of Rs.1 lakh, the annual fee has been reversed.

  1. SBI BPCL Credit card

  • On fuel purchases made at any BPCL pump, you will receive 4.25 percent back (equal to 13x Reward Points).

  • Fuel fee waiver of 3.25 percent + 1% for all fuel purchases up to Rs.4,000.

  • Every Rs.100 spent on supermarket, departmental, eating, and movie purchases earn you 5x Reward Points.

  • Fuel surcharges of up to Rs.100 per month are waived.

  1. SBI Elite Credit Card

  • Each year, you can earn up to 50,000 Bonus Reward Points.

  • Earn 10 points for every Rs.100 spent on dining, departmental shopping, and groceries.

  • For every Rs.100 spent on other expenses, you will receive 2 Reward Points.

  • A low 1.99 percent foreign currency markup charge.

  1. Air India SBI Signature Credit Card 

  • For every Rs.100 spent on Air India tickets booked through the website or mobile app, you can earn up to 30 Reward Points.

  • For every Rs.100 spent with this card, you will get 4 reward points.

  • Annual bonus Reward Points of up to 1 lakh.

  • 1 point = 1 mile.

  1. SBI Prime Credit Card

  • For every Rs.100 spent on utility bill auto payment, you will receive 20 Reward Points.

  • For every Rs.100 spent on movies, grocery, eating, and department store purchases, you will receive 10 Reward Points.

  • Annual fees are waived if you spend at least Rs.3 lakh in a year.

  • Complimentary Red Tier membership with Trident Privilege.

  1. BPCL SBI Octane Credit Card

  • 6000 Reward Points as a Welcome benefit worth INR 1500.

  • Get 25X Reward Points on BPCL Fuel, Lubricants & Bharat Gas spends.

  • Get 10X Reward Points on Departmental & Grocery, Movies & Dining Spends.

  • Enjoy 25 Reward Points on every Rs. 100 spent at BPCL Fuel, Lubricants & Bharat Gas (Website and app only) spends.

Why should one get an SBI credit card?

In addition to the benefits mentioned above, there are some more benefits that will convince you to get an SBI credit card now. Let’s look at some of the SBI credit card top features that can cater to all your needs. 

  • Cash advances

Use your SBI credit card at any ATM in the nation to withdraw up to 30% of your entire credit limit if you urgently need cash.

  • Credit card loss protection

This is another important SBI card credit benefit that will appeal to you. You continue to be safe from the consequences even if your card is lost, stolen, or used fraudulently.

  • Automatic bill payments

Through the SBI credit cards’ Easy Bill Pay feature, you may schedule your utility bill payments. This ensures that you never forget to pay any of your bills as they are paid automatically. 

  • Access to airport lounges

There are many SBI credit cards that provide free domestic and international airport lounge access. These allowances help you relax and unwind as you wait for your flight.

  • Reward points for purchases

It is absolutely rewarding if you use your credit card for purchases. Depending on the card you choose, you can redeem SBI credit card reward points for a limited number of eligible purchases. These points can then be exchanged for discounts and incentives at a later date.

How to apply for an SBI Credit Card online?

Getting an SBI credit card online is very easy if your application is approved. Mentioned below is a step-by-step process for applying an SBI Credit Card online.

First, you need to log in to the official website of SBI and then follow the steps below:

Step 1: Visit SBI’s official website

Step 2: Move your cursor to the credit cards tab and click on ‘Help Me Find a Card’.

Step 3: You can find an ideal card for your needs by using the Simplyfier feature.

Step 4: Go through the features and benefits of the card carefully.

Step 5: Now click on “Apply.”

Step 6: Mention all your personal and contact details.

Step 7: A bank representative will connect with you to take your application further.

Moreover, you can also apply for a credit card by visiting a nearby SBI branch. If you are applying for an SBI banking partner card, you must visit the partner branch to initiate and complete the application process.

Key takeaways

Each credit card has to offer perks and rewards to you; some are economical, some are fantastic for online shopping, and some have other uses. Before selecting a card, you should consider your spending patterns and the renewal fees. In the end, you should choose an SBI credit card best suits your needs and caters to all your requirements.

FAQs

Yes, SBI Card has an exclusive app with the same name, “SBI Card,” which is compatible with both Android and iOS. Once you’ve downloaded the app, you may sign up, check your credit card account information, request cards, make purchases, request more SBI products, and more.

Each SBI credit card has a set salary requirement, and the premium cards demand higher salaries. SBI does not list the minimum gross yearly income needed to apply for a card on its website but using its “Simplyfier” tool; we can determine the gross annual salary requirement. 

It could take up to 21 days for the bank to process your SBI credit card application after you send it to them with the required paperwork. It could take much longer if there are any missing documents or other problems with the application. You can use the SBI’s “Track Application” option to check the status of your credit card application. 

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