State Bank of India (SBI) offers a wide range of credit cards catering to different needs such as rewards, cashback, travel, and lifestyle benefits. Choosing the best SBI credit card depends on your spending habits, lifestyle, and preferences. In this article, we will compare some of the best SBI credit cards available in India, highlighting their features, benefits, fees, and eligibility criteria.
Top SBI Credit Cards in India
Below is a detailed comparison of the best SBI credit cards:
Credit Card | Annual Fee | Key Benefits | Best for |
|---|---|---|---|
₹499 | 10X rewards on online shopping, 5X rewards on other spends | Online shopping | |
SBI SimplySAVE Credit Card | ₹499 | 10X rewards on dining, movies, and groceries | Everyday spending |
SBI Card PRIME | ₹2,999 | Complimentary lounge access, milestone benefits, travel rewards | Premium users |
₹4,999 | Exclusive travel and lifestyle privileges, airport lounge access | Luxury seekers | |
BPCL SBI Credit Card | ₹499 | 4.25% value back on fuel, surcharge waiver | Fuel savings |
Air India SBI Platinum Card | ₹2,999 | Bonus Air India Miles, free domestic lounge access | Frequent flyers |
SBI Cashback Credit Card | ₹499 | 5% cashback on online purchases, 1% on all other spends | Online shopping & cashback lovers |
Comparison of SBI Credit Cards
SBI SimplyCLICK Credit Card
Best For: Online shopping enthusiasts
- Annual Fee: ₹499 (Reversed on spending ₹1 lakh annually)
- Key Benefits:
- 10X rewards on online purchases from partner merchants (Amazon, Cleartrip, BookMyShow, etc.)
- 5X rewards on all other online spends
- Welcome e-gift voucher worth ₹500 from Amazon
- Fuel surcharge waiver
SBI SimplySAVE Credit Card
Best For: Everyday spending
- Annual Fee: ₹499 (Reversed on spending ₹1 lakh annually)
- Key Benefits:
- 10X rewards on dining, movies, and grocery spends
- 1 reward point per ₹100 spent elsewhere
- Fuel surcharge waiver
- Easy EMI conversion for large purchases
SBI Card PRIME
Best For: Premium users looking for rewards and travel perks
- Annual Fee: ₹2,999 (Reversed on spending ₹3 lakh annually)
- Key Benefits:
- Complimentary domestic and international lounge access
- Milestone benefits worth ₹12,000 per year
- Accelerated reward points on travel, dining, and shopping
- Free Club Vistara membership
SBI Card ELITE
Best For: Luxury seekers
- Annual Fee: ₹4,999 (Reversed on spending ₹10 lakh annually)
- Key Benefits:
- Complimentary access to domestic and international airport lounges
- Free movie tickets worth ₹6,000 annually
- Accelerated rewards on dining and departmental stores
- Complimentary Trident Privilege and Club Vistara membership
BPCL SBI Credit Card
Best For: Fuel savings
- Annual Fee: ₹499
- Key Benefits:
- 4.25% value back on fuel purchases at BPCL outlets
- Fuel surcharge waiver
- 13X reward points on fuel purchases
- 5X rewards on groceries, dining, and movies
Air India SBI Platinum Card
Best For: Frequent flyers
- Annual Fee: ₹2,999
- Key Benefits:
- Welcome bonus of 5,000 Air India Miles
- Earn 15 Air India Miles per ₹100 spent on Air India bookings
- Complimentary domestic lounge access
- Fuel surcharge waiver
SBI Cashback Credit Card
Best For: Online shopping & cashback lovers
- Annual Fee: ₹499
- Key Benefits:
- 5% cashback on online purchases
- 1% cashback on all other transactions
- No upper limit on cashback earned
- Fuel surcharge waiver
How to Choose the Best SBI Credit Card?
When selecting an SBI credit card, consider the following factors:
- Spending Habits: Choose a card that maximizes rewards on your regular expenses (e.g., shopping, dining, travel).
- Annual Fees: Opt for a card where the benefits outweigh the fees.
- Reward Structure: Evaluate if the reward points or cashback align with your spending pattern.
- Travel Benefits: Frequent travelers should prefer cards offering lounge access and air miles.
- Fuel Benefits: If you spend a lot on fuel, a fuel-specific card like BPCL SBI Card is ideal.
Eligibility Criteria for SBI Credit Cards
- Age: 21-65 years
- Income: Varies based on the card, minimum monthly income of ₹20,000 is usually required
- Credit Score: A credit score of 750 or above is preferred
- Employment Type: Salaried or self-employed individuals
How to Apply for an SBI Credit Card?
- Online Application: Visit the official SBI Card website and choose your preferred credit card.
- Fill Application Form: Provide personal details such as income, employment, and contact information.
- Submit Documents: Upload ID proof, address proof, income proof, and recent photographs.
- Verification & Approval: The bank verifies your details and approves the card if you meet the eligibility criteria.
So finally
- If you are an online shopper, the SBI SimplyCLICK Credit Card or SBI Cashback Credit Card is ideal.
- If you prefer dining and grocery rewards, go for SBI SimplySAVE Credit Card.
- If you travel frequently, the SBI Card PRIME, SBI Card ELITE, or Air India SBI Platinum Card offer great benefits.
- For fuel savings, the BPCL SBI Credit Card is the best option.
SBI offers a variety of credit cards catering to different lifestyles and spending patterns. Whether you are looking for cashback, travel perks, or fuel benefits, there is an SBI credit card for you. Compare the features, fees, and benefits to select the best SBI credit card that suits your needs.
Frequently Asked Questions
The SBI SimplyCLICK Credit Card is ideal for beginners. It offers great rewards on online spending, low annual fees, and easy approval with basic income documents.
The SBI Card ELITE and SBI IRCTC Premier Card are great for travel. ELITE provides complimentary lounge access, hotel discounts, and international privileges, while the IRCTC card gives high reward points on train bookings.
Yes, most SBI credit cards are internationally accepted. Make sure to check if your specific card has international usage enabled and be aware of foreign currency markups, usually around 3.5%.
ou can apply through the official SBI Card website, upload your documents, and complete e-KYC. Approval is usually quick if your credit score and income meet their eligibility criteria.
Ranjan is a dedicated finance writer for smartfinclub.com, where he specializes in comparing top financial products in India, including loans, credit cards, savings accounts & more. With a focus on providing clear insights into features, rates, and benefits, Ranjan aims to empower readers to make informed financial decisions customized to their needs.