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.
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 Card | Joining Fee and/or annual fee | Benefits |
SBI Card PRIME | Rs. 2,999 + Taxes | For 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 Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | Get 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 Card | Joining Fee and/or annual fee | Benefits |
SimplyClick SBI Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | Get 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 Card | Rs. 499 + Taxes | 20 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 Card | Rs. 499 + Taxes | Upfront 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 Card | Joining Fee and/or annual fee | Benefits |
Etihad Guest SBI Card | Rs. 1499 + Taxes | 3 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 Card | Rs. 4999 + Taxes | Complimentary 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 Card | Rs. 499 + Taxes | Rs.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 Card | Rs. 499 + Taxes | 4.25% 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 Card | Rs. 499 + Taxes | Up 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 Card | Rs. 499 + Taxes | Enjoy 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 Card | Rs. 499 + Taxes | The 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 Card | Rs. 4999 + Taxes | Up 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 Card | Rs. 1499 + Taxes | Up 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 Card | Joining Fee and/or annual fee | Benefits |
Karnataka Bank SBI Platinum Credit Card | Rs. 2999 + Taxes | Get 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 Card | Rs. 2999 + Taxes | Get 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 Card | Rs. 2999 + Taxes | Get 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 Card | Rs. 499 + Taxes | When 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 Card | Rs. 499 + Taxes | 2.5% 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 Card | Rs. 2999 + Taxes | Get 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 Card | Rs. 2999 + Taxes | 2 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 Card | Rs. 499 + Taxes | Up 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 Card | Rs. 499 + Taxes | 2.5% 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 Card | Rs. 2999 + Taxes | Enjoy 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 SBI Cards official link https://www.sbicard.com/en/eapply.page 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
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.
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.
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.