Home State Bank of India How to Apply for SBI Credit Card? Documents Required, Application Process, etc.

How to Apply for SBI Credit Card? Documents Required, Application Process, etc.

State Bank of India offers a wide range of credit cards for different users specifically designed to meet the needs of a cardholder. You can expect a variety of benefits when you subscribe to an SBI credit card.

In this article, we will discuss how to apply for an SBI credit card? documents required, the application process, etc.

How to Apply for SBI Credit Card Documents Required, Application Process, etc.

Types of SBI Credit Card

The following are the SBI credit card to choose from-

SBI Lifestyle Credit Card

Lifestyle credit cards are those credit cards that are used to uplift the lifestyle of the cardholder. You get special benefits and rewards if you spend the card on restaurants, movies, etc. The following are the benefits that lifestyle credit card offers-

SBI Card Elite

  • Up to 50,000 Bonus Reward Points each year
  • Earn 10 Reward Points per Rs.100 spent on Dining, Departmental Stores, and Grocery spending
  • 2 Reward Points per Rs.100 spent on other expenses
  • Low foreign currency mark-up charge of 1.99%

Doctor’s SBI Card in Association with (IMA)

  • Professional indemnity insurance coverage of Rs.20 lakh
  • 5x Reward Points on purchases made on National Doctor’s Day (1 July)
  • 5x Reward Points on medical supplies, international spending, and travel bookings

SBI Reward Credit Card

As the name suggests, Reward credit cards are those cards that offer cashback, additional reward points, or travel miles for every rupee you spend. The following are different types of SBI Reward Credit Card offered by SBI-

Type of SBI CardJoining Fee and/or annual feeBenefits
SBI Card PRIMERs. 2,999 + TaxesFor every Rs.100/- spent on auto payment of utility bills 20 reward points will be awarded
For every Rs.100/- spent on auto payment movies, groceries, dining, and purchases at departmental stores 10 reward points will be awarded
Waiver of annual fees when you spend a minimum of Rs.3 lakh in a year
Complimentary Trident Privilege Red Tier membership  
Apollo SBI CardRs. 499 + TaxesGet up to 10% off on selected Apollo services
3x Reward Points for every Rs.100 spent on any Apollo service
Renewal fee waived-off if you spend Rs.90,000 or more in a year
1% fuel surcharge waiver across India  
SBI Tata Platinum CardRs. 499 + TaxesGet 2% Value back on purchases made at Croma store online and in-store both
Get up to 5% value back on purchases made at Tata outlets
3x Empower Points on grocery, dining, departmental stores, and international transactions
1 Empower Point for every Rs.100 spent at other retail outlets  
SBI Tata Titanium Credit CardRs. 499 + TaxesGet 1.5% value back on purchases made at Croma (applicable to in-store and online spending)
3x Empower Points on transactions made at departmental stores and for groceries
Annual fee waiver on a minimum spends of Rs.1 lakh in a year
Up to 5% value back on transactions made at Tata outlets  

SBI Shopping Credit Card

Shopping credit cards are those cards that are specifically designed for the user who spends credit cards on shopping and gets reward points for it. The following are the Shopping credit card offered by SBI-

Type of SBI CardJoining Fee and/or annual feeBenefits
SimplyClick SBI CardRs. 499 + TaxesGet 10x Reward Points on online shopping on selected merchant websites such as Amazon, BookMyShow, Cleartrip, Lenskart, and Netmeds
Get 5x Reward Points on other online spendings
Online vouchers worth Rs.2,000 on total annual online spend of Rs.1 lakh and Rs.2 lakh
Annual fee reversed for yearly spend of Rs.1 lakh
SimplySAVE SBI CardRs. 499 + TaxesGet 10 Reward Points for every Rs.100 spent on groceries, dining, movies, and purchases made at departmental stores
Get 1 Reward Point for every Rs.100 spent on other purchases
Spend at least Rs.2,000 within 60 days of card approval to receive 2,000 bonus Reward Points
1% fuel surcharge waiver at any petrol pump
SBI Unnati Credit CardRs. 499 + TaxesGet 1 Reward Point for every Rs.100 spent using this card
Spend Rs.50,000 or more in a year to earn a cashback of Rs.500
1% fuel surcharge waiver on spending between Rs.500 and Rs.3,000.
Central SBI Select CardRs. 499 + TaxesGet 10 Select Points for every Rs.100 spent at Central stores
Get 5 Select Points for every Rs.100 spent on dining and movies
Get 1 Select Point for every Rs.100 spent on other retail purchases except fuel purchases
Get a Central e-gift voucher worth Rs.750 as a welcome gift.
Central SBI Select Plus Credit CardRs. 499 + Taxes20 Selected Points for every Rs.100 spent at any Central store
10 Selected Points for every Rs.100 spent on movies and dining
2 Select Points for every Rs.100 spent on other retail purchases
Get a Central e-gift voucher worth Rs.3,000 as a welcome gift
SBI StyleUP Contactless Credit CardRs. 499 + TaxesUpfront discount of flat 10% when you shop for selected items at Big Bazaar and Fbb stores
10x Reward Points on dining transactions, purchases made at Big Bazaar and at stand-alone Fbb and Food Bazaar stores
Get an Fbb gift voucher worth Rs.500 within 15 days of payment of the annual fee

SBI Travel Card

Travel cards are those cards that offer cardholder benefits on travel booking using a credit card. The following are the SBI Travel Cards that you can choose from-

Type of SBI CardJoining Fee and/or annual feeBenefits
Etihad Guest SBI CardRs. 1499 + Taxes3 Etihad Guest Miles for every Rs.100 spent on the Etihad website
2 Etihad Guest Miles for every Rs.100 spent overseas
1 Etihad Guest Mile for every Rs.100 spent on other retail purchases
Get an instant discount of up to 10% on direct Etihad Airways bookings (3% on Economy Class and 10% on Business class).
Etihad Guest SBI Premier CardRs. 4999 + TaxesComplimentary Etihad Guest Gold tier status after the first transaction with this card
6 Etihad Guest Miles for every Rs.100 spent on the Etihad website
4 Etihad Guest Miles for every Rs.100 spent overseas
Up to 10% discount on air miles redemption.
Yatra SBI Credit CardRs. 499 + TaxesRs.1,000 off domestic flight tickets on a minimum booking amount of Rs.5,000.Rs.4,000 off international flight tickets on a minimum booking amount of Rs.40,000
6 Reward Points for every Rs.100 spent on dining, groceries, entertainment, movies, departmental stores, and overseas purchases
Access to Mastercard airport lounges in India
BPCL SBI Credit CardRs. 499 + Taxes4.25% value back (equivalent to 13x Reward Points) on fuel purchases made at any BPCL pump
3.25% + 1% waiver on the fuel surcharge for every fuel purchase up to Rs.4,000
5x Reward Points on every Rs.100 spent on grocery, departmental, dining, and movie transactions
Waiver of fuel surcharge charge of up to Rs.100 each month.
IRCTC SBI Platinum CardRs. 499 + TaxesUp to 10% value back in the form of Reward Points when you book selected train tickets through the IRCTC website.1 Reward Point for every Rs.125 spent on non-fuel retail purchases (including transactions on the IRCTC website).Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.Waiver of 1% fuel surcharge across petrol pumps in India (for transactions amount Rs.500-Rs.3,000).
SBI Mumbai Metro Credit CardRs. 499 + TaxesEnjoy auto top-up of Rs.200 on your Mumbai Metro card when the balance dips to Rs.50
10 Reward Points for every Rs.100 spent on auto top-up of your metro card
10 Reward Points for every Rs.100 spent on grocery, dining, movies, and departmental store purchases
1 Reward Point for every Rs.100 spent on other purchases.
Chennai Metro SBI CardRs. 499 + TaxesThe card doubles up as a Chennai metro travel card as well as a credit card
10x Reward Points for every Rs.100 spent on grocery, dining, movie, and departmental store purchases
1 Reward Point for every Rs.100 spent on other purchases
Waiver of 1% fuel surcharge on fuel purchases from Rs.500 to Rs.3,000.
Air India SBI Signature CardRs. 4999 + TaxesUp to 30 Reward Points for every Rs.100 spent on Air India ticket booking via the Air India website or mobile app
4 Reward Points for every Rs.100 spent using this card
Up to 1 lakh bonus Reward Points annually
Convert your Reward Points into Air India Miles (1 point = 1 mile).
Air India SBI Platinum CardRs. 1499 + TaxesUp to 15 Reward Points for every Rs.100 spent on Air India tickets booked via the Air India website or app
2 Reward Points per Rs.100 spent using this card
Up to 15,000 bonus Reward Points annually.Complimentary Air India Frequent Flyer Program membership.

SBI Banking Partnership Credit Card

SBI partners with other banks to provide credit cards. The following are the credit cards offered by SBI by partnering with other banks-

Type of SBI CardJoining Fee and/or annual feeBenefits
Karnataka Bank SBI Platinum Credit CardRs. 2999 + TaxesGet 5x Reward Points on international spending, dining, and purchases made at departmental stores Get 2 Reward Points per Rs.100 spent on other purchased
Get an e-Gift Voucher of Rs.3,000 from any one of the partners when your annual spending reaches Rs.4 lakh or Rs.5 lakh
Complimentary Priority Pass program membership worth $99
South Indian Bank SBI Platinum Credit CardRs. 2999 + TaxesGet 2 Reward Points per Rs.100 spent on other purchases
Enjoy complimentary Priority Pass membership
Online shopping voucher worth Rs.3,000 as a welcome gift from one of these brands Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com
Federal Bank SBI Platinum Credit CardRs. 2999 + TaxesGet a welcome e-Gift Voucher of Rs.3,000 from any of these brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, and Yatra.com.When your annual spending reaches Rs.4 lakh and 5. lakh, you will earn more rewards
Enjoy 2 free Domestic Airport Lounge visits every quarter in India.
Federal Bank SBI Credit CardRs. 499 + TaxesWhen you spend Rs.2,000 and more within 60 days of receiving the card, you get 2,000 bonus Reward points
Get a 1% fuel surcharge waiver at any petrol pump when the transaction amount is between Rs.500 and Rs.3,000
Enjoy up to 2.5% value back, as you get 10X Reward Points for every Rs.100 spent at all Departmental and Grocery stores
Karur Vysya Bank SBI Credit CardRs. 499 + Taxes2.5% value back (equivalent to 10x Reward Points) for every Rs.100 spent on groceries and purchases made at departmental stores
1 Reward Point for every Rs.100 spent on other purchases
Spend more than Rs.2,000 within 60 days of getting your card and earn 2,000 bonus Reward Points
Waiver of 1% fuel surcharge if you spend between Rs.500 and Rs.3,000 at any petrol pump in India
Karur Vysya Bank SBI Platinum Credit CardRs. 2999 + TaxesGet 5x Reward Points for overseas, dining, groceries, departmental store purchases
Get 2 Reward Points per Rs.100 spent on other purchases
Complimentary Priority Pass membership worth $99
Complimentary access to Visa lounges in India and overseas through the Visa Airport Lounge Access program.
OBC SBI Platinum Credit CardRs. 2999 + Taxes2 Reward Points per Rs.100 spent on all other transactions
E-voucher worth Rs.3,000 from any one of the selected brands on annual spend of Rs.4 lakh and Rs.5 lakh
Complimentary Priority Pass membership and access to Visa lounges in India and overseas
OBC SBI Credit CardRs. 499 + TaxesUp to 2.5% value back (equivalent to 10x Reward Points) for every Rs.100 spent on groceries and at departmental stores
Other purchases will earn you 1 Reward Point for every Rs.100 spent with the card
Bank of Maharashtra SBI Credit CardRs. 499 + Taxes2.5% value back in the form of 10x Reward Points for every Rs.100 spent at departmental and grocery stores
1 Reward Point for every Rs.100 spent on other purchases
Waiver of the 1% fuel surcharge when you spend between Rs.500 and Rs.3,000 on fuel
The annual membership fee is reversed when you spend Rs.1 lakh or more in a year
Bank of Maharashtra SBI Platinum Credit CardRs. 2999 + TaxesEnjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
Earn 2 reward points for every Rs.100 spent on all categories
Welcome e-Gift Voucher worth Rs.3,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com

Documents Required for SBI Credit Card

The following are the documents required for SBI Credit Card-

Proof of identity (any one)     

  • Ration card
  • Voter’s ID card
  • Passport
  • PAN card
  • Aadhaar card
  • Driving license

Address proof (any one)         

  • Aadhaar card
  • Telephone bill
  • Rental agreement
  • Electricity bill
  • Passport
  • Ration card

Income proof for self-employed individuals  

  • Latest Income Tax Returns (ITR)
  • Audit proof, balance sheet, or loss statement
  • Business financial statements

Income proof for salaried individuals

  • Employment letter
  • Latest salary slip
  • Salary certificate

How to Apply for SBI Credit Card?

You can apply for a credit card in the SBI Bank using both online and offline methods. The following are the SBI credit card application process that an individual must follow-

Online Apply

  • Visit the official website of SBI Cards-https://www.sbicard.com/ and click on the apply button
  • Now, select the type of account you want to choose from
  • A short form will appear which you have to fill with details like name, city, email, mobile number, etc.
  • After filling in the details, click on the send OTP button followed by entering the OTP on the given field
  • Now, you’ll be directed to the next section of the form where you have to enter the professional details like income scale, etc.
  • After filling in professional details, you’ll have to enter the resident details on the form followed by clicking on the submit form button
  • After submitting the form, an application number will be generated and you have to now schedule your appointment with the bank representative for the verification
  • For Scheduling the appointment, you have to visit the website again and click on the retrieve application form
  • Now, enter the name and mobile number followed by entering the OTP sent on your mobile number
  • After entering the OTP, you’ll be redirected to the application details section where you have to click on the schedule appointment button
  • Now, select the date, time, and address for the verification process. Make sure you are ready with all the original documents mentioned above.
  • After verification is done, you’ll have to sign the document presented by the bank representative
  • Now, your application will be processed by the SBI and it can take some time for the bank to issue the card
  • You’ll receive the card via post and after you received the card, you have to activate the credit card to use it

Offline Apply

  • Collect all the documents mentioned above and visit your nearest SBI Bank branch
  • Now, ask the bank employee for the credit card application form
  • Fill the form with correct details followed by attaching all the documents
  • Make sure you also carry a passport size photograph of yourself
  • After the credit card application is filled submit the application and documents to the bank representative
  • Your application will be reviewed by the bank representative and notified about any issue
  • After reviewing the application, your application will be further sent for processing
  • It might take some time for the application process to be completed
  • After your application is processed, you will be issued with an SBI Credit Card which will be sent via post
  • After receiving the credit card, you’ll have to activate the credit card to start using it

How to Track Your Credit Card Application Status?

The following are the step by step methods to track the application status for SBI Credit Card-

  • Visit the official website of SBI Cards and scroll down to find the track your application status section
  • Now, enter the Application/Reference number followed by clicking on the track button
  • An OTP will be sent to your registered mobile number which you have to enter on the given field
  • After entering the OTP, your application status will be displayed on the screen

FAQs

How many days it will take for the SBI Credit Card application to be processed?

The credit card application of SBI takes a long time, somewhere around 21 working days which rounds off around to a month. You can check your application status from time to time to track your credit card application status.

Can I opt for an additional cardholder with the same SBI Credit Card account?

Yes, you can opt for an additional cardholder with your credit card account but the credit limit of both cards will be shared. You can add a family member with the same credit card.

What if my application is rejected?

There can be multiple reasons for the application form to be rejected. You have to ensure you have selected the right credit card for your also, make sure your documents are correct and do not have the wrong information.
For issuing the credit card, the banks calculate your credit score and if your credit score is low your credit card application will be rejected. Your credit score is calculated by CIBIL and CIBIL plays an important role in deciding your creditworthiness.

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