I have reviewed 11 best credit cards in India and included 2 credit cards from SBI in the list. I thought of writing a separate post on the best credit cards offered by SBI to help you choose the best SBI card for you.
In my view, SBI Simply Click is best for online shopping and SBI Prime Credit Card is an overall best card for people looking for a premium card. Apart from these, SBI has launched a lot of credit cards for lifestyle, shopping, rewards, travel, and fuel.
I am explaining all the benefits and offers on 10 top SBI credit cards in India.
Let’s start…
Table of Contents
SBI SimplyClick Card is meant for online shoppers.
SimplyClick Credit Card is probably the best SBI credit card for salaried employees who love to shop online on Amazon, BookMyShow, Cleartrip, and other brands.
For a limited time, SBI is giving Rs. 500 Amazon gift voucher on the approval of the card (that will cover the first year annual fees of the card).
If you make most of your purchase, then you can earn 10X reward points on Amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, UrbanClap, Zoomcar. On all other online spendings, you can earn 5X rewards through SBI Simply Click card.
Fee and Charges
Annual Fee – Rs 499
The annual fee would be reversed in the subsequent year if you spend Rs.1,00,000 in one year after the card approval.
Milestone Rewards
Special Offers Valid till 31st March 2018
Simply Click is one of the best online shopping credit cards available in the market with amazing reward points offers on online as well as offline shopping.
You can read the complete SBI SimplyClick Credit Card Review here.
SBI Simply Save credit card let you save your money on Dining, Movies, Departmental Stores and Grocery Spends.
So if you often go for dine out, spend on movies and make shopping on departmental stores, you can earn 10X reward points on your spending with SBI Simply Save credit card.
One thing I liked the most about Simply Save credit card is that you can pay the outstanding balance on your credit card with the earned reward points. You don’t have to redeem your reward points for unwanted gifts.
The redemption value of 100 reward points is Rs 25. That’s straight 2.5% saving on dining, movies, departmental stores and grocery spends.
For the rest of spends the figure is just 0.25% which is not impressive. It makes clear that the card is best to use in specific categories only.
Fee and Charges
Annual Fee – Rs 499
You can get an annual membership fee reversal from the second year of your subscription by spending Rs. 90,000 in the previous year.
SBI IRCTC credit card is the only card in India for the railway users. This credit card provides benefits like transaction charge waiver, great saving on railway ticket booking along with fuel surcharge waiver and reward points on all other retail spends.
You also get a welcome gift 350 reward points with a redeemable value of Rs 350 on spending Rs 500 or more within 45 days from card issuance.
Fee & Charges
First Year Fee – Rs 500
Renewal Fee – Rs 300
Hidden Condition Behind the 10% on Ticket Booking
SBI IRCTC credit card offers 10% value back in the form of reward points on booking through irctc.co.in.
But there is a hidden condition. In this condition, year days are divided into two groups.
Check out – Slice credit card review
If you often do your travel booking on Yatra, then you can save some thousand rupees every year with SBI Yatra credit card.
You can save money on doing flight and hotel booking from Yatra website with SBI Yatra credit card.
The savings details are-
You can use promo code Travel at the time of hotel booking. You can use this promo code for a maximum of 6 times in a calendar year.
SBI also offers Yatra discount vouchers as a welcome gift worth Rs 8250 on joining.
Usually, you get such offers with premium credit cards having annual free of Rs. 3,000 – Rs. 5,000.
Fee and Charges
Annual Fee – Rs 499
You can get an annual membership fee reversal from the second year of your subscription by spending Rs. 90,000 in previous year.
Welcome Gift Vouchers Details
The welcome gift includes 7 Yatra discount vouchers having total worth Rs 8250. You can redeem these vouchers only against the mentioned category.
You can redeem reward points for Yatra discount vouchers @ 100 rewards points = Rs 25.
SBI Unnati credit card is the best option if you are new to credit cards and have no CIBIL score.
So, the SBI Unnati credit card is a golden way to get your first credit card and build your CIBIL score as well.
You can apply for the SBI Unnati credit card against a minimum fixed deposit of Rs 25,000 with the SBI. You will get 80% credit limit of your FD amount.
Fee & Charges
The annual fee of the SBI Unnati credit card is not applicable for the first 4 years.
After 4 years the annual fee is Rs 499
So, for the first 4 years, you will not have to pay any charges to the bank. Whatever you will earn as reward points that will be your real saving.
SBI Prime card is an all-rounder premium credit card which offers exclusive benefits on dining, groceries, departmental stores, movies along with travel benefits.
Welcome Gift
You get an e-gift voucher worth Rs. 3,000 (equal to annual fee) as a welcome gift from SBI to utilize on brands like Bata/Hush Puppies, Marks, and Spencer, Pantaloons, Shoppers Stop and Yatra.com.
To give the cardholder a more personalized experience SBI Prime credit card offers 20 reward points per Rs. 100 spent on your birthday. So, spend on your birthday with an open heart.
Fee & Charges
Annual Fee – Rs 2999
You can get an annual fee waiver on spending Rs 3 lakhs per year. In that case, your credit card will cost you nothing but gives you tons of benefits. That’s simply amazing.
On spending Rs. 50,000 in a calendar quarter you will get one Pizza Hut e-voucher worth Rs. 1,000. This lets you enjoy one Pizza Hut treat from the bank every quarter.
It doesn’t stop here. You can also get a gift voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs.
The benefits not ended here. SBI Prime card offers a number of complimentary benefits as well. Here are these benefits.
My Opinion
SBI prime credit card comes with a lot of benefits that can make anyone to its fan. If you are looking for an all-rounder credit card and your annual spend with credit card is more than Rs 3 lakh then this credit card is a must for you.
SBI Air India Signature credit card is one of the best SBI travel credit cards. The card offers overwhelming benefits which include, every year welcome gift, bonus reward points on the basis of total spend in a year, along with regular reward points.
This card becomes more special for the frequent flyer with Air India. Here are all the details related to SBI Air India Signature Credit Card.
First Year – Rs 4999
Renewal Fee – Rs 4999
Let’s calculate total reward points on an annual spend of Rs 20 lakh.
I am considering the least reward point (4 points per Rs 100). On spending 20 lakh you will get 80,000 reward points (0.04* 20 L).
Your total collection would be
1st year
1,20,000+80,000 = 2,00,000 (10%)
2nd year
1,05,000+80,000 = 1,85,000 (9.25%)
Wow that’s amazing
No doubt SBI Air India Signature Credit Card is one of the best travel cards by SBI. The cardholder has a chance to earn 2 lakh reward points (even more) in a single year.
But…
There would be very few people in India who spend more than 20 lacs in a year through their single credit card. And, below this limit, the card becomes half effective.
Who should apply?
If you do not belong to any of these two categories then you should look for another card.
SBI Air India Platinum credit card is a supplementary option for air travelers who wouldn’t want to pay a high annual fee on the SBI Signature card.
Air India SBI Platinum card comes with an annual fee of Rs 1499 (much less as compared to signature card). Besides, the card offers enormous benefits to the cardholder.
The first benefit you will get is a welcome gift every year.
In the first year, you will get a welcome gift of 5000 reward points. And on every renewal, you will get a welcome gift of 2000 reward points.
Note – The cardholder will earn 15 reward points for every Rs 100 spent if booked air ticket for self. In case of booking for others, the earning will be 5 reward points for every Rs 100.
SBI Elite Credit card is a super premium card issued by the State bank India. SBI launched Elite card in place of SBI Signature Credit card (no longer available) by making small changes in the offers.
You will get welcome e-voucher worth INR 5000 from any of the brands (Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop) within 15 days on annual fee payment.
In short, You have a chance to get 50,000 reward points on annual spending of 8 lakh which are equivalent to 12,500 Indian Rupees.
1 Reward Point = INR 0.25
Fee & Charges
Spend 10 lakh & get a reversal of annual fee. No, doubt the spending limit is high but this adds INR 4999 into your pocket.
Note: This premium credit card is for people who have monthly expenses of 100,000 on average.
SBI StyleUp Credit Card is a card that meets your daily shopping needs. The card lets you earn up to 10 reward points on Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures.
In addition, you also get a discount of 10% on fashion apparel, accessories, backpacks, footwear & school bags at Fbb and Big Bazaar Stores.
Along with this, you will also get a welcome Fbb gift voucher worth Rs. 500 and 2000 bonus reward points every year as an anniversary gift.
Fee & Charges
Annual Fee – 499
No condition available to get an annual fee waiver. Instead of that, the bank provides a welcome gift every year.
That’s all about the 10 best SBI credit cards. Let me know which credit card are you applying from the SBI card list?
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An identity fraud was committed by fraudsters under my name using forged copies of my PAN card & Aadhaar card. I had launched a police complaint with Samta Nagar police station on 8th August 2018.
Rabale Police has caught one of these fraudsters, related FIR and my statement to Rabale police is attached for your reference.
I have sent multiple emails containing my Police Complaint, Rabale Police FIR, My Statement, and all documents required by SBI for their investigation to SBI banks nodal office and SBI investigation team, same is also attached for your reference.
SBI bank’s investigative representative assured me that their recovery agents & legal team will not call, visit or harass me ever again. But SBI bank’s Recovery Agents & Legal Team keep harassing me by calling me at work & residence, visiting my office, calling my friends, family & friends of my family.
SBI has zero inter-department communication and this fraud has happened due to SBI banks incompetent KYC team and fraud Logistics partners who never checked for the right person or address and just delivered credit card without any true verification.
This is plain negligence and fault of SBI bank and they are harassing me for their incompetence and this is nothing but plain harassment & a serious violation of the law!
SBI Banks negligence & harassment is taking a huge toll on my mind, health, work, and family; hence I request the police to take immediate action against SBI banks unprofessional and incompetent recovery agents and legal department.
HOPELESS !!! SBI CREDIT CARD -- CHEATERS !!! THEY PERSUADE YOU TO TAKE THEIR CREDIT CARD GIVING FALSE ASSURANCES THAT IT IS A FREE CARD .. AND THEN THEY KEEP CHARGING YOU .. AND THEN ENSURE THAT YOUR CIBIL SCORE IS DAMAGED .. CHEATERS !!!!!!!
Worst Customer Care support, they always give improper information. When you try to close and get NOC, they will make you wait for customer care and never resolve issue.
Please dont buy SBI credit card. They have worst customer care support, if you try to close the account then done, your credit card score will be effected. I suffered for 3 months and still no update. The superior officers also same as customer care guys and will not provide proper informtion.
Hello everyone
please read so that u do not have to loose your mental peace and repent later on the way i m going through
bottom line: COME WHAT MAY , NEVER EVER GET ANY SBI CREDIT CARD
My sufferings:
1. I have been using the SBI Platinum credit card for past 4 years and have been mentally tortured for three times and every time on complaining and pursuing the matter for long time they ensured not to repeat the same in the future.
2. with me the problems occurred was dishonor fee inspite of having sufficient balance in my sbi savings account. though this also can be resolved but the biggest drawbacks and irritating is PATHETIC CUSTOMER SUPPORT.
3. You keep sending them mail and call customer care but no one really bothers. there is fixed computer generated mail that will be sent by you and no one will resolve your problem. once you threaten them to close the account then they will try to persuade you but again they will commit the same crime. one more thing these all process takes at least 3 months after escalating the matter to CS Head.
4 IF ANY ONE LOVES TO REMAIN IN PEACE THEN PLS SEE THE MAIN DRAWBACKS AND NEVER I REPEAT NEVER GET SBI CREDIT CARD
a. Pathetic customer support.
b. No organisational hierarchy like if nodal officer confirm that you are right and they will refund your undue charges back, suddenly customer care will send u a message the IT CAN NOT BE DONE DUE TO INTERNAL MATTER and then your all effort goes to zero again
c. No one reads ur mail and every time you call u have to explain them and they behave like jokers. my Monthly expense was approx 65000.
d. THERE IS MISNOMER ON THE NAME OF SBI as there is direct link between sbi savings bank and sbi card. this i came to know when i visited the bank and met branch manager to complain the issues. the branch gave in writing that i had sufficient balance and bank statement was attached. even then no body bothers the effort and literally i told them that i will go legally.
e. there is no one in person where u can go and explain ur problem and online response is i THINK WORST THAN ANY ONLINE PORTAL EXISTING AS OF NOW. I HAVE CLOSED MY ACCOUNT FOREVER AND TAKEN OATH THAT I WILL NEVER EVER DO SUCH MISTAKES OF HAVING SBI CREDIT CARD
THERE ARE MANY MANY MORE TO SHARE . HOPE IT HELPS