Best SBI Bank Credit Cards in India: Compare Features & Rewards

Bio

An Alumnus of IIM and DU with almost a decade of experience in the banking and finance sectors. I had the opportunity to work with all types of institutions in BFSI ecosystem like Bank, NBFC, Fintech, Consulting and Auditor. I started my professional journey at KPMG and subsequently worked in leading names of the BFSI sector including Ujjivan Bank, Vistaar Finance. Currently building a fintech startup ( PICE) by handling alliances, compliance and creation of GTM strategy for payments and credit product.

20 Nov 25
11 mins

Saurabh Agrawal

08 Mins
20-11-25

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Table of Contents

List of the Best SBI Credit Cards in 2025
8 Key SBI Credit Card Benefits
How to Apply for SBI Credit Card Quickly?
SBI Credit Card Eligibility
Documents Required to Apply for an SBI Credit Card
Conclusion

Key Takeaways

SBI Cards, a subsidiary of the State Bank of India, offers a wide range of credit cards designed to reward users with cashback, points and lifestyle benefits.
Various ‘Welcome Benefits’ are extended by the different SBI credit cards, like 2500 Indigo Bluchip, 1,499 NeuCoins, an e-Gift Voucher of ₹5,000 and more.
Shop luxury products at Caratlane, Mia, Zoya, Taneira, Titan Eye+ or World of Titan and unlock 5% - 7.5% cashback with SBI Credit Cards.
Eligibility criteria include ages 21–70, a good credit score (750+) and proof of income through documents like ITR or salary slips.
Convert spends into EMIs, transfer balances at lower interest rates and access instant cash with SBI’s Encash facility

Tired of swiping your credit cards to hardly ever earn any actual reward upon spending? It is a common frustration, but the State Bank of India (SBI) is changing the game with its subsidiary, SBI Cards.

Unlock unbeatable rewards like 5% cashback on online spends and 1% cashback on offline spends on the same SBI Bank credit card.

Read ahead to know which one and explore other features & benefits of Top SBI Credit Cards, which truly reward your loyalty!

List of the Best SBI Credit Cards in 2025

If you spend ₹2,000 or more within the first 60 days of card issuance on your SimplySAVE SBI Card, you can bag 2,000 bonus reward points!

Want to learn about other popular SBI credit card offers? Check out the table below:

Credit Card Name	Key Features
CASHBACK SBI Card	5% cashback on various online spends 1% cashback on your offline spends
IndiGo SBI Card	Welcome Benefit of 25,00 Indigo Bluchip Renewal Benefit of 2,500 Indigo Bluchip 2% earned on your hotel or lodging bookings & Traven MCCs 3% earned on your IndiGo spends
SBI Card Miles Elite	Welcome Benefit of 5,000 Travel Credits 20,000 Bonus Travel Credits applicable on annual spends of ₹12 Lakh 6 Travel Credits for each ₹200 on travel-related spends
SimplyCLICK SBI Card	Amazon gift card of ₹500 upon the payment of the Annual Fee of ₹499 (additional taxes apply) 5x Reward Points on your online spends 10x Reward Points on your online spends in association with exclusive partners
Flipkart SBI Card	Get up to 7.5% Cashback on Flipkart/Myntra/Cleartrip Reversal of Renewal Fee applicable on annual spends of ₹3.5 Lakh within the past year ₹250 Flipkart Gift Card redeemable on Fee Realisation
Tata Neu Infinity SBI Card	Welcome Benefit of 1,499 NeuCoins 8 complimentary domestic lounge access per year 5% back in NeuCoins form on Non-EMI Spends (conducted via Tata Neu App or Website and partner brands of Tata) 1.5% back in NeuCoins form on non-Tata, UPI-based spends
SBI Card ELITE	Welcome e-Gift Voucher of ₹5,000 upon joining Up to 50,000 Bonus Reward Points equalling ₹12,500 per year Free of cost cinema tickets of ₹6,000 in a year
SBI Card PRIME	Welcome e-Gift Voucher of ₹3,000 upon joining Spend-based Gift Vouchers of ₹11,000 Complimentary access to the International/Domestic Airport Lounge 10 Reward Points for each ₹100 spent on groceries, dining, departmental store purchases or cinemas
SBI Card PULSE	5x Reward Points granted on Pharmacy, Chemist, Dining, Movie and Sports-related Spends Noise ColorFit Pulse 4 Pro Smartwatch for ₹7,999 upon successful joining fee payment 12 Month Membership for FITPASS PRO upon joining fee payment and simultaneous card activation
Doctor's SBI Card (in association with IMA)	A cover of ₹20 lakh as Professional Indemnity Insurance 5x Reward Points on Doctors' Day, supplies, medical, travel-related bookings and international spends e-Gift Voucher of ₹1,500 upon joining e-Gift Voucher of ₹5,000 on annual spends of ₹5 lakh
PhonePe SBI Card SELECT BLACK	PhonePe Gift Card of ₹1,500 as a welcome benefit 10 Reward Points for each ₹100 PhonePe-based spend Reversal of Renewal Fee of ₹1,499 upon spending ₹3 lakh in the preceding year 5 Reward Points for each ₹100 spent online
OLA Money SBI Card	7% back on Ola ridesZero Annual Fee for the 1st year of credit card usage 1% back on every other Spend
Apollo SBI Card SELECT	Welcome e-Gift Voucher of ₹1,500Complementary benefits from the built-in Apollo Circle Complimentary FITPASS PRO Membership upon successful payment of the joining fee and card activation10% Value Back on the Apollo 24/7 App as well as Store spends
Tata Card SELECT	Welcome & anniversary gift voucher of up to ₹3,000 from various popular brands Spends-based gift vouchers of up to ₹6,000 3x Reward Points on dining, departmental store purchases, grocery shopping & international expenditures Spends at selective outlets; up to 5% value back
Paytm SBI Card SELECT	Complimentary Paytm First Membership & Reward Points worth ₹750 upon card activation 2% Cashback on other spends conducted via the Paytm App 5% Cashback on Paytm Travel-related spends 1% Cashback on other spends across a plethora of offline/online shops
Titan SBI Card	12,000 Reward Points as Welcome Benefit3% value back on Tanishq as Gift Vouchers; applicable on Quarterly Spends 5% cashback on Caratlane, Mia, & Zoya (Quarterly Spends) 7.5% cashback on Taneira, Titan Eye+ or World of Titan
Reliance SBI Card	Reliance Retail Voucher of ₹500Spend-linked Reversal on Annual Spends of ₹1 Lakh as Milestone Rewards Bouquet of Reliance Discount Vouchers for various Reliance Brands up to ₹3200
Lifestyle Home Centre SBI Card PRIME	12,000 Reward Points as a Welcome gift of ₹3,000. 15 Reward Points on each ₹100 spent online as well as pop-up Retail Landmark shops Milestone benefits of ₹14,500 yearly
Max SBI Card SELECT	6,000 Reward Points as a Welcome gift of ₹1,500 10 Reward Points on each ₹100 spent at Online or Retail Landmark shopsMilestone benefits of ₹8,600 yearly
SBI Card Unnati	SBI Card Unnati is free for the 1st 4 years 1 Reward Point per ₹100 spent ₹500 cashback on yearly spends of ₹50,000 1% fuel surcharge waiver across multiple petrol pumps in India
Shaurya SBI Card	5x Reward Points on Movies, CSD, Grocery, Dining and Departmental Store spends1% Fuel Surcharge Waiver at fuel stations across IndiaWaiver of Renewal Fee on yearly spends of ₹50,000 or above
KrisFlyer SBI Card	3,000 Krisflyer Miles as Welcome Benefit 4 domestic lounge visits per year5 Krisflyer Miles for every ₹200 spent on Singapore Airlines/International spends 2 Krisflyer Miles for every ₹200 spent on other eligible spends
BPCL SBI Card OCTANE	4-time complimentary access to the Domestic Airport Lounge per year 25x Reward Points on BPCL Fuel, Bharat Gas and Lubricants spends 10x Reward Points on grocery, movies and dining spends
IRCTC SBI Card Premier	10% back as Reward Points for booking of railway ticketsWelcome benefits of ₹1,500 Milestone benefits of ₹7,500 on yearly travel-related spends 1% transaction fee waiver on railway ticket bookings (done on www.irctc.co.in)
Etihad Guest SBI Premier Card	5,000 Etihad Guest Miles as Welcome Benefit Complimentary Etihad Guest Gold Tier Status after the first transaction is completed 3x Etihad Guest Miles on Etihad Spends Up to 6,000 Etihad Guest miles yearly on quarterly spend of ₹1.5 lakh per quarter

Also read : Top SBI Lifetime Free Credit Card in India

8 Key SBI Credit Card Benefits

Low Interest Option

Save more while you proceed with your spending. Transfer any outstanding balances of the other credit cards you own to the SBI credit card at much lower interest rates. Alternatively, convert your transactions conveniently into EMIs.

Flexibility with Encase

With the SBI Credit Card, you can access cash whenever you need to meet any financial obligation. Avail the ‘Encash’ option up to/above your credit limit. The funds shall be transferred within 3 to 4 working days.

Medium of Easy Access

Unlock access to your SBI credit card account at any point and from anywhere by visiting the official website. The SMS feature shall always keep you in the loop. Alternatively, download the SBI Card phone app.

Insurance

With the SBI Credit Card in hand, one gets the option to choose from a wide range of insurance plans, which offer coverage for accidents, health, travel, etc.

Money Simplified

Necessary measures have been undertaken, which provide instant cash access with the SBI Card’s ATM Cash services.

Card Upgrade & Add-on Card

Other benefits of the SBI Card include upgrading one's SBI Card for better rewards/enhanced privileges. Plus, get to partake in the joy of sharing with an SBI Add-on card, free of cost!

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How to Apply for SBI Credit Card Quickly?

Not only is the SBI credit card application process super simple, but staying up to date with credit card bill payment obligations has now become easy.

Download the PICE app and never miss a payment deadline again!

Now, let’s get to the simple steps for SBI Credit Card application:

Step 1: Go to the official website of SBI Bank.

Step 2: Navigate over to the ‘credit cards’ tab on the top-left side of your screen.

Step 3: You can either click on the 'Help Me Find a Card' button or find a credit card as per your requirements.

Step 4: Settle on the ideal card for you and read thoroughly through the features and benefits associated with the SBI credit card.

Step 5: Proceed to click 'Apply' when you’re ready.

Step 6: Type in your personal information, contact specifications and KYC details to continue.

An SBI Bank representative shall then get in touch with you to inform you regarding the following steps. You can also check the SBI credit card application status by providing your Application/Reference number in the presented field. Click on 'Track' to proceed.

In case you are facing any difficulties or have certain queries, connect with SBI Credit Card customer care. Reach the SBI Card helpline by dialling 39 02 02 02 (add your local STD code) or 1860 180 1290/1800 180 1290.

SBI Credit Card Eligibility

Note that there are specific credit card eligibility requirements based on multiple parameters. They can be effectively assessed by the bank executive after you apply for the SBI Credit Card.

However, here are the basic eligibility criteria which all card applicants must meet in order to apply:

Minimum Age Requirement: 21 years
Maximum Age Limit: 70 years
Occupation: Salaried/Self-Employed
Other Requirements: Good credit score (750 or above) and stable source of income

Documents Required to Apply for an SBI Credit Card

To apply for a SBI credit card, applicants are required to submit a few documents. These typically include a copy of their PAN card, as well as a copy of their Aadhaar card with the first eight digits masked or another valid government-approved address proof.

Additionally, applicants must provide income-related documents, such as income tax return statements, salary slips or other relevant records, depending on the specific eligibility criteria and policy for the chosen credit card.

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Conclusion

SBI Credit Card options offer a compelling blend of convenience, rewards and financial flexibility, against the backdrop of daily life. Thus, elevate your credit card experience by unlocking competitive cashback offers, seamless management tools and robust security features.

The credit cards are designed to enhance your lifestyle and, at the same time, keep your finances in check.

Worried about possibly missing the payment deadline for your credit card bills? Download the PICE app, link your credit card and streamline your payments in 2025!

FAQs

Can I use my SBI credit card when I am travelling outside of India?

Before you travel abroad, you are required to activate your card for international transactions. Proceed with the SBI Credit Card login to successfully activate the international credit limit on your credit card. The ‘ELA’ chatbot shall be able to help you with the activation process if you are stuck at any point.

What to do if my SBI credit card is lost or stolen?

If your SBI credit card is stolen or lost, you must immediately notify the bank. SBI Bank shall then block your card to protect you against fraudulent, unverified spending.

How long will it take for me to get my SBI credit card?

After you submit your SBI credit card application alongside the necessary documents, it will take up to 15 days. In the case of missing documents/other issues with your application, it shall take longer. However, you can stay on track with your credit card application status by referring to the SBI's feature, 'Track Application'.

Will I be able to convert the SBI credit card reward points into cash?

Yes, you shall be able to convert your SBI Credit Card reward points into cash. For help, connect with their customer care by dialling their helpline numbers, 39 02 02 02 (add your local STD code) or 1860 180 1290/1800 180 1290.

Will extra charges be incurred if I use my credit card to proceed with international transactions?

On top of applicable taxes, foreign currency transactions do incur a mark-up charge of 3.5%. It is crucial to keep in mind that when making purchases with the Indian rupee, as you travel abroad, higher costs are incurred. So, it is advisable to use the currency of the country one is visiting.