When it comes to banking service in India, State Bank of India (SBI) stands as a prominent player. Offering a diverse range of credit cards to suit various lifestyles and needs, this national bank has become a preferred choice for many. In this article, we will explore some of the best SBI credit cards in India, each designed to offer unique benefits and privileges to cardholders.
17 Best SBI Credit Cards in India
Best SBI Credit Cards in India
Whether you’re a frequent traveler, a shopaholic, or someone looking to build their credit history, SBI has a card to cater to your requirements. All these cards have attractive offers. So, now, let’s have a look at some of the best credit cards offered by SBI.
1. SBI SimplyCLICK CARD
This is one of the best SBI credit cards in India. It is a perfect fit for individuals who are constantly connected online. For salaried employees who frequently make payments with popular brands like Zoomcar, OLA, Foodpanda, and Cleartrip, this card is a top-notch choice. Moreover, if you apply for this card right now, you’ll receive a generous Rs. 500 Amazon gift card as part of a limited-time offer, covering the first-year fee.
With the SBI SimplyCLICK credit card, you have the opportunity to earn reward points at a rate up to 10 times higher when you use the card to its fullest potential. This includes approved websites such as UrbanClap, Zoomcar, BookMyShow. The annual fee for this card is a mere Rs. 499, which can be easily offset by spending just Rs. 1 lakh within a year from the card’s issuance date.
Features and Benefits:
- 10x reward points if you spend on brands as specified by the bank.
- 5x times points on other spending made through the card.
- If you spend Rs. 100 anywhere, you will get 1 point.
- Amazon is giving a voucher worth Rs. 500 with the card.
- Whenever your transaction at the fuel station is between Rs. 500 and Rs. 3000, you would get a 1 percent fuel surcharge waiver.
This is a very good option for online shoppers. You can earn 5-10x rewards on particular spends.
2. SBI SimplySAVE CARD
This card offers various avenues for saving money across different categories, such as dining, groceries, and movies. However, its standout feature is the ability to use accumulated reward points to pay off your outstanding card balance. This way, you won’t feel compelled to use these points on unnecessary expenses. The primary goal of this SBI card is to enable you to enjoy savings while watching movies, shopping for groceries, or visiting department stores. This should be in your list of best SBI credit cards.
Features and Benefits:
- Whenever you spend just Rs. 100 in stores, grocery shops or restaurants, and movies, you would be awarded 10 rewards points.
- A fuel surcharge waiver of 1 percent is also provided.
- If you want to redeem your accumulated points on dining, departmental stores, movies, and grocery, then you would get Rs. 25 discount for every 100 points. But, if this redemption is on the not specified categories, then this discount is of just 0.25 percent, which is not attractive.
- The annual fees charged by the bank for SBI SimplySAVE credit card is Rs. 499. This fee can be reversed if you spend Rs. 90,000 in the first year. Then this fee would be reversed from the second year.
Also Read: SBI SimplySave Credit Card Review: Benefits, Fees, and Eligibility
3. IRCTC SBI PLATINUM CARD
As the name suggests, this card offered by SBI is the one and only card available in India for the people who love or have to travel by railways frequently. You can avail discounts on train tickets and other spending that you do through this card. This is one of the best SBI credit cards in India.
Features and Benefits:
- When you receive the card, withdraw some money from ATM, and you would get Rs. 100 as cashback on the first transaction.
- On spending Rs. 125 on the retail purchases excluding fuel, you would get 1 reward point every time.
- The fuel surcharge waiver is 1 percent whenever you spend between Rs. 500 and Rs. 3000 on fuel stations.
- You get 350 points are given as a welcome gift, and these points are worth Rs.350 when redeemed.
- The fee for the first year on this card is Rs. 500, and after that, the renewal fee every year is Rs. 300.
4. YATRA SBI CREDIT CARD
Those who choose to book their tickets and accommodations via Yatra can realize substantial savings with this card. It offers a range of common discounts, including price cuts on domestic and international flight bookings, as well as a generous 20 percent discount on domestic hotel reservations. To access these discounts, simply apply the promo code TRAVEL during the booking process. It’s important to note that this discount opportunity is limited to six times annually. This should be in your list of best SBI credit cards.
Features and Benefits:
- You get a 20% discount for domestic hotel bookings of Rs. 3000 and above.
- 2 complimentary lounge access at any domestic airport every quarter.
- Complimentary Air insurance worth Rs. 50 lakhs.
- You can transfer pending credit from any credit card to Yatra SBI Card through Balance Transfer.
- The annual fee for the card is Rs. 499. The welcome gift of this card has 7 vouchers from Yatra. These vouchers, in total, have a huge worth of Rs. 8250. While redeeming the accumulated points, 100 points are equal to Rs. 25.
5. SBI PRIME CARD
This all-rounder card is valuable in all domains – dining, shopping and travel. If you own this card, you will get an e-voucher from some big brands like Bata, Marks & Spencer, Shoppers stop, Pantaloons, the worth of which would be Rs. 3000. This amount is equal to the annual fee of this card. You can celebrate your birthday to the fullest with it because it offers 20 points when you spend Rs. 100 on your special day. This is one of the best SBI credit cards in India.
Features and Benefits:
- While paying bills, you would get 20 points for every Rs. 100 that you spend.
- A fuel surcharge waiver of 1 percent is also allowed at the petrol pumps.
- On spending Rs. 100 at some particular brands, you can earn 15 reward points. Some of these brands are Reliance fresh, reliance trends, big basket, etc.
- If you can spend Rs. 3,00,000 in a year, then you won’t have to pay the annual fee, which is otherwise Rs. 2999. If you get this annual fee waived, then this card is free for you, with a whole lot of benefits being offered.
- SBI Prime Credit card is a must-buy for the high spenders, and this card attracts everyone towards it with its benefits.
6. SBI AIR INDIA SIGNATURE CARD
This credit card falls within the travel card category and ranks among the top travel credit cards accessible in India. It offers consistent reward points, an annual welcome gift, and additional yearly rewards. Notably, individuals who frequently travel with Air India can take advantage of the perks and exclusive offers provided by this card. If you are a frequent Air India traveler or have a substantial annual expenditure, this card comes highly recommended. This should be in your list of best SBI credit cards.
Features and Benefits:
- As a welcome to you, 20000 reward points are credited in your account in the first year of card purchase.
- If you can spend more than 20 lakhs within a single year, you will be rewarded with 50,000 points.
- Whenever you book tickets through Air India, you will get 10 points per Rs. 100.
- A fuel surcharge waiver of 1 percent is also allowed.
- If your card is lost, a cover is provided worth Rs. 1,00,000.
- You can visit the international airports’ lounges through this card. Over 600 airports are open for you to access through this card besides the priority pass program.
- The annual fee for the first year & the renewal fee to be paid every year is the same for this card at Rs. 4999.
7. SBI CARD UNNATI
This card presents an excellent option for individuals who are new to credit and do not yet possess a CIBIL score. If someone has a fixed deposit of Rs. 25000 with SBI, they meet the eligibility criteria to apply for this card. The standout feature of this card lies in its fee structure: for the first four years from the date of issue, there is no annual fee. Subsequently, it amounts to just Rs. 499. What makes this card particularly attractive is that all the reward points you accumulate during the initial four years become your direct savings through the card. This should be in your list of best SBI credit cards.
Features and Benefits:
- 1% fuel surcharge waiver for spending Rs. 500 to Rs. 3000.
- No annual fee. (waived off for first 4 years)
- Rs. 500 cashback for spending Rs. 50,000 per year.
- After spending Rs. 50000, 500 is returned as cashback, for every Rs. 100 spent, you would get 1 reward point.
* To apply for this credit card, you need to visit your nearest SBI branch.
8. SBI ELITE CARD
The SBI Card ELITE stands out as one of India’s premier credit cards, offering a comprehensive array of benefits spanning various categories. Despite its annual fee of Rs. 4,999, the card’s benefits, when fully leveraged, significantly outweigh this cost. This is one of the best SBI credit cards in India.
Features and Benefits:
- A generous welcome e-voucher valued at Rs. 5,000, redeemable at a choice of renowned brands including Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.
- Earn 2 reward points for every Rs. 100 spent, applicable across all spending categories.
- Enjoy a remarkable 5-times increase in rewards for expenses related to dining, groceries, and departmental stores.
- Receive 2 complimentary movie tickets valued at Rs. 250 each per month, courtesy of BookMyShow.
- Benefit from complimentary memberships to Priority Pass, Club Vistara Silver, and Trident Red Tier, enhancing your travel and lifestyle experiences.
- Enjoy a low foreign exchange markup fee of only 1.99%, making international transactions more cost-effective.
- The potential to earn up to 50,000 reward points, equivalent to Rs. 12,500, within a year by reaching various spending milestones.
Also Read: SBI Elite Credit Card Review: Premium Card for High Spenders
9. BPCL SBI Card Octane
BPCL Octane stands out as one of India’s premier fuel credit cards, offering an attractive array of benefits. When you use this card for fuel purchases at BPCL petrol pumps, you receive a generous 7.25% value back. This comes in the form of 25X reward points, which is equivalent to 6.25% savings, and a 1% fuel surcharge waiver on transactions up to Rs. 4,000. What sets BPCL Octane apart from most other fuel cards is that you can conveniently redeem these accumulated reward points at BPCL petrol pumps. This should be in your list of best SBI credit cards.
Features and Benefits:
- As a new cardholder, you receive 6,000 bonus reward points, valued at Rs. 1,500.
- You enjoy a substantial 7.25% value back on your fuel expenditures at BPCL outlets, comprising 25X reward points and the 1% fuel surcharge waiver on transactions up to Rs. 4,000.
- For every Rs. 100 spent on dining, departmental stores, groceries, and movies, you earn 10 Reward Points.
- BPCL Octane cardholders are entitled to four complimentary domestic lounge visits each year, a perk not commonly found on fuel cards.
- If you spend Rs. 3 lakhs in a year, you unlock e-vouchers worth Rs. 2,000, which can be used at Urban Company, Aditya Birla Fashion, Yatra, or Hush Puppies/Bata.
- Achieve an annual spending limit of Rs. 2 lakhs, and your renewal fee is waived, providing an added incentive for consistent card usage.
10. IRCTC SBI Card Premier
In India, there are only a few credit cards that offer perks specifically tailored to railway travel, and the IRCTC SBI Card Premier is one of these unique options. This card presents cardholders with the opportunity to enjoy a substantial 10% value back on their rail ticket bookings and the added benefit of having transaction charges waived when booking through IRCTC. It’s worth noting that while SBI Card had already introduced a Platinum variant of this card, the IRCTC SBI Card Premier, which was launched later, clearly outshines its predecessor. This should be in your list of best SBI credit cards.
Features and Benefits:
- New cardholders receive a welcome benefit of 1,500 reward points, which is equivalent to Rs. 1,500.
- Earn an impressive 10% value back in the form of reward points when booking AC1, AC2, AC3, and AC CC train classes.
- This card extends its benefits to air ticket bookings and e-catering services booked through IRCTC, providing cardholders with a 5% value back.
- Accumulate 1 reward point for every Rs. 125 spent across all categories except fuel.
- Enjoy a threefold boost in reward points for dining and utility bill payments made via standing instructions.
- Cardholders receive the added security of complimentary rail accident insurance coverage.
- Access exclusive railway lounges with the privilege of 8 complimentary visits per year, with a maximum of 2 visits per quarter.
11. Club Vistara SBI Card
For travelers who have a preference for Vistara Airlines, this SBI Credit Card stands out as an excellent choice. Cardholders have the opportunity to accumulate Club Vistara (CV) Points, which can be applied to receive discounts on Vistara flight bookings. Additionally, the card presents bonus CV Points upon achieving specified spending milestones. This is one of the best SBI credit cards in India.
Features and Benefits:
- Receive a welcome benefit of 1 economy class Vistara flight ticket as an e-gift voucher.
- Spend Rs. 50,000 within the first 90 days of card activation to earn 1,000 bonus CV Points.
- Earn 3 Club Vistara (CV) points for every Rs. 200 spent on all transactions.
- Each CV Point is equivalent to Rs. 1 and can be redeemed when booking with Vistara Airlines.
- Attain 1 economy class ticket when you reach spending thresholds of Rs. 1.25 lakhs, 2.5 lakhs, and 5 lakhs, with the base fare waived off.
- Receive a Rs. 5,000 hotel e-voucher upon spending Rs. 5 lakhs.
- Enjoy 4 complimentary domestic lounge visits, limited to one visit per quarter.
- Benefit from complimentary Priority Pass Membership.
12. Nature’s Basket SBI Card
Nature’s Basket stands as one of India’s largest grocery supermarket chains. The Nature’s Basket SBI Credit Card caters specifically to those who prefer shopping for groceries at Nature’s Basket, offering them attractive benefits, including access to the Epicure loyalty program. This is one of the best SBI credit cards in India.
Features and Benefits:
- Complimentary enrollment in Epicure, Nature’s Basket’s loyalty program.
- Earn 10 reward points for every Rs. 100 spent at Nature’s Basket, whether in-store or online.
- Acquire 5 reward points for every Rs. 100 spent on Travel, Dining, and Entertainment expenditures.
- Gain 1 reward point for every Rs. 100 spent on all other transactions.
- Redeem your reward points within the Nature’s Basket Loyalty Program.
- Spend Rs. 3 lakhs and receive gift vouchers worth Rs. 3,000 from esteemed brands like Aldo, Inglot, Bath & Body Works, and Charles & Keith.
- Spend Rs. 2 lakhs to enjoy an annual fee waiver.
- Enjoy the privilege of 4 complimentary visits per year to domestic airport lounges.
13. Cashback SBI Card
The Cashback SBI Card offers excellent value by providing cashback rewards on your purchases. It stands out as one of the top credit cards for online shopping, offering maximum cashback benefits for online transactions. Additionally, this card provides various privileges, including fuel advantages, annual fee reversal based on spending. This should be in your list of best SBI credit cards.
Features and Benefits:
- Enjoy a 5% cashback on all online purchases without any limitations on the merchant.
- Earn a 1% cashback on all offline expenditures.
- Get your annual renewal fee waived when you spend Rs. 2 lakhs or more in a year.
- Benefit from a 1% fuel surcharge waiver at all petrol stations across India.
14. SBI AURUM Card
This should be in your list of best SBI credit cards. The bank has ventured into the super-premium credit card arena with the introduction of its AURUM Credit Card. This card directly competes with offerings such as the HDFC Bank Infinia, ICICI Bank Emeralde, and American Express Platinum credit cards. It’s worth noting that SBI Card’s previous pinnacle offering, the ELITE Credit Card, has been succeeded by the AURUM Card. In a bid to exude an air of premium sophistication, the SBI AURUM Credit Card boasts a metallic design adorned with an elegant black finish and distinctive golden stripes.
Features and Benefits:
- Upon joining, you receive a generous 40,000 Reward Points, equivalent to Rs. 10,000 in value.
- Enjoy complimentary memberships for six months in Zomato Pro, Eazydiner Prime, Amazon Prime, Discovery Plus, Lenskart Gold, and BBStar.
- Receive a TataCliq voucher valued at Rs. 1,500 when you achieve a monthly expenditure of Rs. 1 lakh.
- On spending Rs. 5 lakhs within a year, you’re entitled to a LUXE voucher worth Rs. 5,000.
- For annual expenditures of Rs. 10 lakhs, you’re rewarded with a Taj voucher worth Rs. 10,000.
- Benefit from four complimentary domestic airport lounge accesses per quarter through the Visa/MasterCard Domestic Lounge Program.
- Gain unlimited access to international airport lounges through a complimentary membership in the Dreamfolks airport lounge program.
- Enjoy the privileges of Zomato Pro and Eazydiner Prime memberships.
- Receive four movie tickets every month from BookMyShow, with a maximum value of one movie ticket capped at Rs. 250.
15. SBI Card PULSE
The SBI Card Pulse is a recently introduced credit card that aims to offer cardholders exclusive health benefits, enabling them to effectively manage both their well-being and finances. This card comes with an initial joining fee of Rs. 1,500 and includes a special welcome gift: a complimentary smartwatch valued at Rs. 5,999. Additionally, cardholders receive complimentary Fitpass Pro and Netmeds First memberships, which are renewed annually upon payment of the annual fee. This is one of the best SBI credit cards in India.
Features and Benefits:
- The complimentary Noise ColorFit Pulse Smart Watch, valued at Rs. 5,999, can be obtained through a gift voucher sent to cardholders within 45 days of paying the joining fee.
- The FitPass Pro membership offers access to a vast network of over 4,000 gyms and fitness studios, as well as unlimited participation in interactive and recorded online fitness sessions.
- Cardholders who spend above Rs. 4 lakhs in an anniversary year receive a Netmeds e-gift voucher worth Rs. 1,500. This voucher is dispatched to eligible cardholders within 45 days via SMS or email.
- Additionally, those who spend Rs. 2 lakhs or more in the card anniversary year are eligible for a renewal fee waiver.
- SBI Card Pulse provides cardholders with complimentary access to 8 domestic airport lounges every year, with a maximum limit of 2 lounge visits per quarter.
16. Etihad Guest SBI Premier Credit Card
In 2019, SBI formed a partnership with the UAE-based airline, Etihad Airways, to introduce two travel credit cards: the Etihad Guest SBI Credit Card and the Etihad Guest SBI Premier Card. Notably, the Premier Card, while offering enhanced benefits, comes with a higher annual fee. This premier option provides a range of travel-related welcome perks and milestone advantages. This should be in your list of best SBI credit cards.
Features and Benefits:
- Receive 5,000 Etihad Guest Miles within 15 days of paying the annual fee.
- Attain complimentary Etihad Guest Gold tier status after your first card transaction.
- Obtain 2 free wifi vouchers, delivered via email within 15 days of booking your first Etihad Airways flight.
- Earn 1,500 Etihad Guest Miles when you spend Rs. 1,50,000 in a calendar quarter.
- Receive 1 Companion Voucher within 15 days of reaching annual spends of Rs. 8,00,000.
- Enjoy a welcome gift of complimentary Etihad Guest Gold tier status and 5,000 Etihad Miles.
- Benefit from 8 complimentary domestic lounge accesses annually (up to 2 per quarter) through the Visa Lounge Program.
- Avail of a 10% discount on business class tickets and a 3% discount on Economy class tickets when booked directly on the Etihad Airways portal.
- Access a complimentary Priority Pass membership valued at $99.
17. Paytm SBI Credit Card Select
The Paytm SBI Credit Card Select, a recent collaboration between SBI Card and Paytm, is an international Visa credit card designed to provide cashback rewards. This versatile card can be used at over 24 million establishments worldwide, including more than 3 lakh offline stores in India. As part of the premium card lineup, the Select version offers a range of exceptional privileges and benefits. This is one of the best SBI credit cards in India.
Features and Benefits:
- Upon activation of the Paytm SBI Credit Card Select, cardholders receive a complimentary Paytm First Membership as a welcoming gesture. This membership, loaded with benefits valued at up to Rs. 75,000, includes enticing offers on food, travel, fashion, entertainment, and more.
- Additionally, cardholders are eligible for a welcome cashback of Rs. 750 in their Paytm wallet following the successful activation of the credit card.
- For those who enjoy airport lounges, the Paytm SBI Credit Card Select provides four complimentary domestic airport lounge accesses each year, with a maximum of one visit per quarter.
- Furthermore, cardholders are entitled to a complimentary Priority Pass worth $99, valid for two years as part of the International Lounge Program.
- As a bonus, upon reaching an annual spending milestone of Rs. 1 lakh, cardholders receive a complimentary Paytm First membership voucher upon renewal.
- Cardholders can also earn milestone e-gift vouchers from Bata/Hush Puppies and Pantaloons when they achieve their annual spending milestones.
Whether you’re looking for rewards, travel benefits, or financial flexibility, there’s an SBI credit card designed to suit your financial needs. Choosing the right card ultimately depends on your individual requirements and spending patterns.
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