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SBI Credit Cards | Eligibility | Apply Online | Features and Benefits

SBI or commonly known as State Bank of India is an Indian Multinational, Public Sector Banking and financial services company, which is India’s leading payment solution providers. The company is a joint venture between State bank of India and GE Capital. In 1998 they came together with the intention of developing the business of credit cards in India. The bank has branches in over 50 cities and has a customer base of 3.75 million across India. The financial institution has a net profit of Rs. 271 crore at the end of the financial year which ended in March 2016.

Credit Card is a payment card which allows you to borrow money from your bank to complete your purchase. You will be granted this card as long as you pay back the money you borrowed within the “grace period”. If you miss the grace period, you will have to pay interest. Along with credit card, the cardholder will get exclusive benefits and special privileges like travel and lifestyle deals, fuel rewards etc.

Some Relevant Links
SBI Bank Saving Account Click Here
SBI Credit Card Customer Care Number Click Here
Check SBI Bank Account Balance Click Here
SBI PPF Account Click Here
Link Aadhaar Card With SBI Bank Account Click Here
SBI Bank IFSC Code Click Here

Contents

Various Types of SBI Credit Cards

SBI bank offers a wide range of credit cards to cater to the needs of its customers. Read the below list to know different types of SBI credit cards which fulfil both the individual and corporate segment:

Lifestyle Cards

  • SBI Card ELITE
  • SBI Signature Contactless Card
  • SBI Advantage Signature Card

Reward Cards

  • SBI Platinum Card
  • SBI Advantage Platinum Card

Shopping Cards

  • Simply CLICK SBI Card
  • Simply SAVE SBI Card
  • STYLEUP Contactless Card
  • Capital First SBI Card
  • Simply CLICK Advantage SBI Card
  • Simply SAVE SBI Card
  • SBI Gold & more Advantage Card
  • TATA Platinum Card
  • SBI Student plus Advantage Card
  • SBI Advantage Plus Card
  • FBB SBI STYLEUP Card

Travel Cards

  • Air India SBI Signature Card
  • Air India SBI Platinum Card
  • Mumbai Metro SBI Card
  • IRCTC SBI Platinum Card
  • Yatra SBI Card

Banking Partnership Cards

  • South Indian Bank SBI Platinum Credit Card
  • South Indian Bank Simply Save SBI Card
  • LVB SBI Platinum Credit Card
  • LVB SBI Simply SAVE Card
  • Federal Bank SBI Platinum Credit Card
  • Federal Bank SBI Credit Card
  • KVB SBI Signature Card
  • Karur Vysya Bank – SBI Platinum Credit Card
  • Karur Vysya Bank – SBI Card
  • Oriental Bank of Commerce – SBI Platinum Credit Card
  • Oriental Bank of Commerce – SBI Card
  • Bank of Maharashtra – SBI Platinum Credit Card
  • Bank of Maharashtra – SBI Card
  • BMB Platinum Credit Card
  • BMB Gold and More Credit Card

Why Choose SBI Credit Cards

SBI credit cards are versatile as it can serve to every lifestyle need of the customer. Be it travel, premium or lifestyle, SBI offers a plenty of options to choose from.

The bank also provides easy monthly instalments for the customers to provide the option to the customer to convert costly purchases. Also, every time you make a purchase using your SBI credit card, you can redeem the reward points against special deals and offers. Cardholders also get the benefits like utility payments using cards, travel deals, shopping discounts, cash advance facility and also balance transfer on EMI.

Features and Benefits of SBI Credit Cards

Credit cards are extremely convenient if used wisely. With a credit card, you can make a large purchase now and pay it off in smaller chunks within a grace period. There are various features and advantageous of SBI Credit Cards, read below to know more:

  • SBI offers anything and everything and caters to the needs of both individuals corporate
  • With SBI credit cards, customers get limited accountability, this is highly useful to protect oneself from sham transactions in case of loss of card
  • SBI credit card holders can use their credit card in order to withdraw cash from over 1 million ATMs over the world
  • With the help of SBI credit cards, cardholders can easily pay their utility bills online due to easy bills facility and they also get the option to convert all their purchases into EMIs

SBI Credit Card Reward Points

Let’s look at the table below to know SBI Credit Cards Reward Points:

Card Type General Spend Based
Platinum 2 Reward points for every 100 spent 10 Reward points for every 100 spent on Dining, Departmental store, and International Spends
Signature 2 Reward points for every 100 spent 10 Reward points for every 100 spent on Dining, Departmental store, and International Spends
Simply SAVE 1 Reward points for every 100 spent 10 Reward points for every 100 spent on Dining, Departmental store, Grocery spends and Movies
Simply CLICK 1 Reward points for every 100 spent 10 Reward points for every 100 spent on Dining, Departmental store, Grocery spends and Movies

How To Apply For SBI Credit Card

Credit card is one of the most enviable financial products available in the market. The constant popularity of the card is because it makes shopping experience much easy as the payment system is very convenient. The credit card comes with a lot of benefits also with every swipe the cardholder gets reward points. These benefits can be utilized to get a good amount of cash back or discount while shopping online in stores. If the cardholder accumulates all these reward points they can be compensated for amazing gifts. Cardholders can also collect AirMiles that can be compensated for Air tickets or products from an airline catalogue. Also, the cardholders can enjoy fuel surcharge as well.

Customers can apply for SBI credit cards by both online and offline method:

Apply for SBI Credit Card through Offline Mode

If any applicant prefers to go the offline way, SBI provides that facility as well. Follow the below mentioned procedure to apply for SBI Credit Card through offline method:

  1. Visit your nearest SBI branch
  2. The bank official will check your eligibility criteria
  3. Ask for the required form from the bank official and fill it out properly
  4. Submit the form once filled along with necessary documents such as proof of identity, proof of address, and income proof
  5. The bank official will then verify all the documents and information you have provided and decide whether you are eligible to get a credit card that you have applied for
  6. If you are eligible to get a credit card you will receive your Credit Card from the bank

For further query, applicants can also call on the customer care service at 39 02 02 02 or 1800 180 1290. And this service is available 24*7 on all business days of the week.

Apply for SBI Credit Card through Online Mode

Online method is the most convenient method of application. Just follow the below mentioned procedure to apply for SBI credit card:

  1. Visit the official website of SBI Credit Cards i.e. www.sbicard.com
  2. Fill out the form by providing following information:
    • Name
    • City
    • Occupation
    • Date of Birth
    • Qualification
    • Annual Income
    • PAN number
    • Email ID
    • Mobile number
    • OTP (One Time Password) which you will receive on your registered mobile phone number
  3. Before submitting cross check all the information you have provided and submit the form
  4. After that bank will verify all the information you have provided and check if the candidate is eligible to avail the service that they have applied for. If you pass the eligibility criteria, the bank will issue the credit card to you.

You can also send an email to the SBI bank in order to apply for the credit card.

SBI Credit Card Eligibility Criteria

  • To be eligible to avail SBI Credit Card, the applicants are required to be an Indian resident who is above the age of 18 years.
  • Also, the applicants are required to have a good CIBIL (Credit Information Bureau (India) Limited) score.
  • CIBIL score is optional
  • Also note that the income criterion varies depending on the card. And a different card has special criteria based on the usage. Do enquire with SBI about the eligibility criteria for the selected card before proceeding with the application.

Documents Required for SBI Credit Card

While applying for SBI Credit Card, the applicants are required to submit the following documents:

Value Added Services on SBI Credit Card

Value Added Services (VAS) are services which are available at little or no cost Read the list below to know the Value Added Services (VAS) which are available with SBI Credit Card

  • SBI Credit Card Insurance
  • Encash Facility
  • E-Statement
  • Easy Money
  • Flexipay
  • Balance Transfer on EMI
  • Balance Transfer at Low-Interest rate

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