(Last Updated On: April 10, 2018)

SBI or State Bank of India is the most trusted name in the public sector banking in India.Besides, looking into your saving needs, it offers you a plethora of good credit card options to choose from. Through this blog we shall be highlighting some of the popular and renowned SBI Credit Cards. Grab a complete review on different and the best SBI Cards and dig deeper into their eligibility criteria, benefits, exclusive ongoing offers, annual fees, renewal fees plus other useful and important features to consider.

Let us get started with our list of popular SBI credit cards…

Best SBI Credit Cards

We have divided the SBI Credit cards into two simple categories :

1. SBI Credit Cards : With an annual fee of Rs.499 onlyThis is quite an affordable lot for anyone. SBI Simply Click Credit Card is a preferred choice in this category.

  • Eligibility : If you have a good credit history and annual income ranging between Rs.2 lakhs to Rs.3 lakhs, you are eligible for these ones. So, you can get easy approval for these SBI credit cards provided you meet their requirements.

2. Premium SBI Credit Cards : With an annual fee ranging from Rs.2999 to Rs.4999 only offering better and advanced privileges. SBI Elite Credit Card  and SBI Card Prime seem to be a great fit for this particular range of credit cards. This is in fact best suited to individuals having higher income.

  • Eligibility : These cards are issued to premium or higher income individuals having a good credit background. So, if you have annual income ranging around Rs.5 lakhs or higher you can grab at least one of them easily.

SBI credit cards,SBI credit card,SBI credit card offers,SBI credit cards apply online

SBI Credit Cards : With an annual fee of Rs.499 only 

1. SBI Simply Save Credit Card :

  • Annual Fee : Rs.499 only (one-time fee)
  • Renewal Fee : Rs.499 per annum only from 2nd year onwards.
  • Annual Fee reversal : Yes, it is reversed if your annual spending is greater than or equal to Rs.90000.
  • Add on Fee : NIL

SBI Simply Save Credit Card : Benefits & Rewards

  • If you Spend Rs.2000 or excess within 60 first days of card issuance, you can enjoy 2000 bonus reward points.
  • 10x Reward Points per Rs.100 that you spend on dining,grocery,movies and departmental stores.
  • For other spends get 1 reward point for every Rs.100 that you spend.
  • In SBI Simply Save credit card remember that 4 Reward Points = Rs.1
  • Fuel surcharge waiver : For fuel expenses between Rs.500 to Rs.3000 you enjoy 1% surcharge waiver at petrol pumps across India.

A Final take : SBI Simply Save is a decent credit card with a nominal fee but has limited features only. You can get additional benefits on various other SBI credit cards at the same cost.

2. SBI Simply Click Credit Card

  • Annual Fee : Rs.499 only (one-time fee)
  • Renewal Fee : Rs.499 per annum only from 2nd year onwards.
  • Renewal Fee reversal : Yes, it is reversed if annual spending is greater than or equal to Rs.1 lakhs.
  • Add on Fee : NIL

SBI Simply Click Credit Card : Benefits & Rewards

  • Grab Amazon gift card worth Rs.500 as your log-in gift.
  • Limited period offer till 31st Dec’17 : Apply Online and avail BookMyShow voucher worth Rs.250.
  • E-Shopping Rewards : Enjoy 10x reward points while spending online with famous brands like Amazon, BookMyShow, Foodpanda, Zoomcar, Urbanclap, Lenskart and Cleartrip.
  • For other online spends, you get 5x reward points.
  • Milestone Rewards : You can grab e-vouchers worth Rs.2000 if your annual spending exceeds RS.1 lakh and above.
  • Contactless technology : You just need to wave your card at any secured reader and you are done with the transaction.
  • Other exclusive offers available from time to time : Present valid offers like 40% off on UrbanClap for first time users. You get Rs.600 off while booking a Self-Drive Zoomcar for Rs.2,500 or more with your SBI Simply Click credit card.

Apply Now for SBI Simply Click Credit Card

A Final Take : SBI Simply Click seems to be a good credit card, having a similar annual fee as SBI Simply Save card with a bulk of additional advantages and offers to enjoy. So, SBI Simply Click is surely a better choice and an affordable credit card with numerous attractive offers and rewards . Specially, if your annual spending exceeds Rs.1 lakh, you will get an annual fee reversal as well. That means it shall become more or less like a free credit card.

3. IRCTC SBI Platinum Credit Card

  • Annual Fee : Rs.500 only
  • Renewal Fee : Rs.300 only

IRCTC SBI Platinum Credit Card : Benefits & Rewards

  • If you spend Rs.500 or above within first 60 days, you get 350 activation bonus points.
  • Rs.100 cashback on first ATM withdrawal done withing first 30 days of card received.
  • 1 Reward Point=Rs.1 This seems to be an attractive part.
  • A bulk of exclusive benefits for rail travellers like : 10% value back as reward points for booking railway tickets from irctc.co.in for AC1,AC2, and AC CC with your IRCTC SBI Platinum Card.
  • For non-fuel retail purchases, you earn 1 reward point for every Rs.125 that you spend.
  • Save upto 1.8% transaction charges  for booking done through irctc.co.in
  • For fuel expenses between Rs.500 to Rs.3000 you enjoy 1% surcharge waiver at petrol pumps across India.

A Final Take : IRCTC SBI Platinum Credit card has been designed to cater to the needs of frequent rail travellers. If you are one of them, this might be a good fit to help you save you some money while booking tickets and claim other benefits as well.

4. FBB SBI StyleUp Card

  • Joining fee : Rs.499 (one-time)
  • Renewal fee : RS.499 per annum

FBB SBI StyleUp Credit Card : Benefits & Rewards

  • You get a Welcome gift of Rs.500 worth FBB gift voucher.
  • Flat 10% discount on shopping for apparels,accessories,footwear etc at FBB and Big Bazaar stores.
  • You enjoy 10x reward points for spending at Big Bazaar, FBB, Food Bazaar and dining bills.
  • Enjoy 1% surcharge waiver at petrol pumps across India, if you spend Rs.500 to Rs.3000 on fuel charges.

5. SBI Unnati Credit Card 

The annual fee is Rs.499 only.But, it has been waived off for the first 4 years. So, you can say this card is free for first 4 years.But, this comes with very little benefits.

Important : SBI Unnati card is issued with a lien on cardholder’s fixed deposit of Rs.25000 or above.So, you need to have an FD in SBI to avail this credit card.

SBI Unnati Credit Card : Benefits & Rewards

  • Get 1 reward point for every Rs.100 that you spend.
  • Rs.500 cashback if you spend Rs.50000 or above in a year.
  • 1% fuel surcharge waiver for fuel expenses between Rs.500 to Rs.3000

A Final Take : Although this is a free card but the features and benefits are too less. It’s better to look for some additional features even if you have to pay a nominal fee in the other SBI credit cards. You can well compare and analyse the extra offers that come along with other SBI credit cards to this particular one.

SBI Credit cards : Premium cards 

Now, here is something for the high salaried,business class or high income group people. We shall be talking about SBI Premium credit cards whose fees ranges to as high as Rs.4999 annually. But, as our sub-title clearly suggests that these are the Premium credit cards normally preferred by the ones looking for high privileges and prestigious offers irrespective of the high annual fee attached to them.

6. SBI Elite Credit Card/SBI Signature Credit Card : 

  • Annual fee : Rs.4999 (one-time)
  • Renewal Fee : Rs.4999 per annum from 2nd year onwards

If you wish to explore its special privileges and other details, you can go through SBI Elite Credit Card

7. SBI Platinum Credit Card/SBI Prime Credit Card

  • Annual fee : Rs.2999 (one-time)
  • Renewal Fee : Rs.2999 per annum

If you wish to explore its special privileges and other details, you can go through SBI Prime Credit Card

8. Air India SBI Signature Credit Card

  • Joining fee : Rs.4999 (one-time)
  • Renewal Fee : Rs.4999 per annum from 2nd year onwards

If you wish to explore its special privileges and other details, visit Air India SBI Signature Credit Card

9. Air India SBI Platinum Credit Card

  • Joining fee : Rs.1499 (one-time)
  • Renewal Fee : Rs.1499 per annum from 2nd year onwards

If you wish to explore its special privileges and other details, have a look at Air India SBI Platinum Credit Card

Disclaimer : Kindly note that the offers and benefits are on “as is” basis and for informational purpose only.The specific card offers keep on changing from time to time and may vary at a later date. Kindly check on the respective bank’s website and clarify all the relevant details with their customer service before applying for any of the credit cards.

This post has affiliate links. I might earn a small commission if you purchase.Of course, at no extra cost to you. Thanks for supporting my blogging adventures.

We tend to get confused when it comes to choosing the best credit card for ourselves. Think deeply and act wisely ! Consider your priorities and usage firstly and yes the not to miss out the most crucial part : Which credit card can you afford to have based on your individual needs ? You don’t want to unnecessarily burden yourself. Right ! Actually, there is no need to !

You get a credit card to help you manage your finances in a better way and look towards your monthly spending habits. So, be cautious and don’t get carried away while using credit cards in any way. After all, its you who has to clear your credit card dues and maintain a good credit score also.

Have you tried using any of the cards from the above list of SBI Credit cards? or Are you thinking to apply for any one? Which one do you feel is the best credit card for your wallet? Do share your feedback and experiences on any of the above SBI credit cards in India.

SBI Credit Cards : Eligibility,Offers & Apply Onlinehttps://fintrakk.com/wp-content/uploads/2017/12/SBI-credit-cards-e1512647864150.pnghttps://fintrakk.com/wp-content/uploads/2017/12/SBI-credit-cards-150x150.pngadminCredit Cardsbest credit cards,SBI credit card,SBI credit cards,SBI credit cards apply,SBI credit cards apply online,SBI Credit cards Details,SBI credit cards eligibility,SBI credit cards offers,SBI premium credit cardsSBI or State Bank of India is the most trusted name in the public sector banking in India.Besides, looking into your saving needs, it offers you a plethora of good credit card options to choose from. Through this blog we shall be highlighting some of the popular and renowned...Personal Finance Blog