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SBI Credit Card

Apply online for SBI Credit Card: Check your SBI Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends ✓ Get instant approval on SBI Credit Cards.

SimplySAVE SBI Card

Joining fee: Rs.499

Annual fees: Rs.499

SimplySAVE SBI Card

  • Spend Rs.2,000 or more in first 60 days and get 2,000 bonus reward points worth Rs.500
  • Enjoy 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • On all your other spends, earn 1 reward point per Rs.100 spent (4 reward points = Rs.1)
  • 1% fuel surcharge waiver on all petrol pumps between Rs.500 and Rs.3,000
  • Annual fee reversal on spending Rs.90,000 in a year

* Product features and Specification are subject to change as per company policy

SimplyCLICK SBI Card

Joining fee: Rs.499 + applicable taxes

Annual fees: Rs.499 + applicable taxes

SimplyCLICK SBI Card

  • Amazon.in gift card worth Rs.500 on joining
  • Earn 10x rewards on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / Zoomcar
  • Earn 5x rewards on all other online spends and 1 reward point on other spends
  • E-voucher worth Rs.2,000 each on annual online spends of Rs.1 Lakh & Rs.2 Lakhs
  • 1% fuel surcharge waiver on all petrol pumps between Rs.500 and Rs.3,000
  • Annual fees reversal on spendings of Rs.1 lakh in an anniversary year

* Product features and Specification are subject to change as per company policy.

SBI Card PRIME

Joining fee: Rs.2,999

Annual fees: Rs.2,999

SBI Card PRIME

  • Welcome e-gift vouchers worth 3,000 from Shoppers Stop, Pantaloons, Marks and Spencer, Yatra and Bata/Hush Puppies
  • 10 Reward Points for every Rs.100 on Dining, Grocery, Departmental store and Movie spends
  • Quarterly dining voucher of Rs.1000 from Pizza Hut on spends of Rs.50,000
  • Milestone e-gift voucher worth 7,000 from Yatra/Pantaloons on annual spends of Rs.5 Lakhs
  • Reversal of annual fee on spends of Rs.3 Lakhs
  • Complimentary Club Vistara Silver Tier Membership
  • Complimentary Trident Privilege Red Tier Membership

* Product features and Specification are subject to change as per company policy.

IRCTC SBI Platinum Card

Joining fee: Rs.500

Annual fee: Rs.300

IRCTC SBI Platinum Card

  • 350 activation bonus Reward points on spending Rs.500 or more within 45 days of card issuance
  • Use your Reward Points to book free train tickets (1 Reward Point = 1 Rupee)
  • 1 Reward Point for every Rs.125 spent on non-fuel purchases
  • Enjoy 1% fuel surcharge waiver* across all petrol pumps in India on transaction of Rs.500 to Rs.3000
  • Save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on irctc.co.in

* Product features and Specification are subject to change as per company policy.

Air India SBI Platinum Card

Joining fee: Rs.1,499

Annual fees: Rs.1,499

Air India SBI Platinum Card

  • Get Welcome gift of 5,000 Rewards Points* on the payment of your joining fee
  • Earn up to 15 Reward Points* on every Rs.100 spent on Air India tickets
  • Enjoy anniversary gift of 2,000 Reward points every year when you pay your renewal fee
  • Avail up to 15,000 Bonus Reward Points on annual spends
  • Enjoy complimentary membership of the Air India Frequent Flyer program-Flying Returns

* Product features and Specification are subject to change as per company policy.

Yatra SBI Card

Joining fee: Rs.499 + applicable taxes

Annual fees: Rs.499 + applicable taxes

Yatra SBI Card

  • Get Yatra.com vouchers worth Rs.8,250 with your Yatra SBI Card on joining fee payment
  • Get Rs.1000 off on minimum booking of Rs.5,000 & Rs.4000 off on minimum booking of Rs.40,000 on International Flights
  • Enjoy Flat 20% off up to a maximum of Rs.2000 on Domestic Hotel bookings. Minimum booking amount Rs.3,000
  • To Avail the Travel benefit, use Promo code ‘ TRAVEL’ at the time of booking. Promo code can be used maximum 6 times in every calendar year
  • Get 6X Reward Points on every Rs.100 spent at Departmental and grocery stores, Dining, Movies, Entertainment and International spends
  • Enjoy exclusive access to MasterCard airport lounges in India and Rs.50 Lakhs Air Accidental death benefit for Primary cardholder when ticket is booked on Yatra.com using Yatra SBI Card
  • Get freedom from paying the 1% fuel surcharge waiver on all petrol pumps

* Product features and Specification are subject to change as per company policy.

Air India SBI Signature Card

Joining fee: Rs.4,999

Annual fees: Rs.4,999

Air India SBI Signature Card

  • Get 20,000 Reward points as a welcome gift on payment of your joining fee
  • Earn up to 30 Reward Points for every Rs.100 spent on Air India tickets booked through airindia.com, airindia mobile app
  • Enjoy complimentary membership of the Air India Frequent Flyer program-Flying Returns
  • Get 4 Reward points for every Rs.100 spent on Air India SBI Signature Card
  • Get up to 1,00,000 bonus Reward points annually

* Product features and Specification are subject to change as per company policy.

STYLEUP Contactless Card

Joining fee: Rs.499

Annual fees: Rs.499

STYLEUP Contactless Card

  • You will receive welcome gift* of Rs.500 worth Fbb gift voucher
  • 10% discount at Fbb and Big Bazaar outlets
  • 10x Reward Points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures
  • Anniversary gift of 2,000 Bonus reward points every year
  • Get a fuel surcharge waiver worth 1% across all petrol pumps

* Product features and Specification are subject to change as per company policy.

SBI Card ELITE

Joining fee: Rs.4,999

Annual fees: Rs.4,999

SBI Card ELITE

  • Welcome e- Gift Voucher worth Rs.5,000
  • Get 5X Reward Points on Dining, Departmental stores, Grocery and International spends
  • Earn 2 Reward Points per Rs. 100 on all other spends
  • Free Movie Tickets worth Rs.6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs.250/ticket for 2 tickets only. Convenience Fee would be chargeable
  • a) Complimentary membership to Club Vistara and Trident privilege program
    b) Spend Based Reversal on Annual Fee on spends of Rs. 10 Lakhs

* Product features and Specification are subject to change as per company policy.

Mumbai Metro SBI Card

Joining fee: Rs.499

Annual fees: Rs.499

Mumbai Metro SBI Card

  • Preloaded value of Rs.50 on your Mumbai Metro Smart Card
  • 2000 reward points on spends of Rs.2000 within first 60 days
  • Auto top up of Rs.200 in the smart card as soon as the balance reaches Rs.50
  • Earn 10X Reward Points and get upto 20% discount on Mumbai Metro travel
  • 10 Reward Points per Rs.100 spent on Auto top up

* Product features and Specification are subject to change as per company policy.

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How it Works

1

Register

Apply for a Credit Card online by filling an easy application form.

2

Select a Credit Card

Choose a Credit Card which best suits your needs and lifestyle.

3

Get Approved instantly

Receive instant approval on your SBI Credit Card.

Basic Eligibility Criteria

Good Credit Score

Above 21 Years of Age

Self-Employed or Salaried Professional

Resident of India

Valid Bank Account

Aadhar Card , Voter ID / Driving License and PAN Card

Bank Statements for The Last Three Months

Salary Slips for The Last Three Months

Comparison Table For SBI Credit Cards

IndiaLends offers a wide range of SBI credit cards online with various benefits and rewards. Each SBI credit card offers unique benefits and different credit cards for fulfilling all your needs and lifestyle requirements. SBI Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. The popular types of reward schemes available are – Fuel, Travel, Shopping, Premium, and others.

Apply for our range of SBI Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the ‘SBI Credit Card Eligibility’ section and compare the range of SBI Credit cards.

Name of the SBI Credit Card Joining Fees Benefits
SimplySave SBI Credit Card Rs.499
  • 2,000 bonus Reward Points.
  • 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • 1 Reward Point per Rs.100 spent on other spends. (4 Reward Points = Rs. 1)
SimplyClick SBI Credit Card Rs.499 + applicable taxes
  • Rs.500 worth Amazon.in Gift Card.
  • 10X Reward Points with exclusive partners.
  • 5X reward points on all other online spends.
  • Milestone rewards of Rs.2,000 on online spends of Rs.1,00,000 and 2,00,000 respectively
Air India SBI Signature Credit Card Rs.4,999
  • 20,000 reward points on payment of your joining fee.
  • 4 Reward points for every Rs.100.
  • Up to 1,00,000 bonus reward points annually.
  • 30 Reward points for every Rs.100 spent on Air India tickets.
Air India SBI Platinum Credit Card Rs.1,499
  • 5,000 reward points on the payment of your joining fee
  • 15 Reward points for every Rs.100
  • Enjoy anniversary gift of 2,000 Reward points every year when you pay your renewal fee
SBI ELITE Credit Card Rs.4,999
  • Rs.5,000 worth E- Gift Voucher
  • 5X Reward Points on Dining, Departmental stores, Grocery and International spends.
  • 2 Reward Points per Rs. 100.
  • Rs. 6,000 worth free Movie Tickets every year.
Yatra SBI Credit Card Rs.499 + applicable taxes
  • Rs.8,250 with your Yatra SBI Card on joining fee payment
  • 6X Reward Points on every Rs. 100 spent at Departmental and grocery stores, Dining, Movies, Entertainment and International spends
  • 1 Reward Point = Rs. 0.25 and is redeemable at Yatra.com
  • Get Rs.1000 off on minimum booking of Rs. 5,000 & Rs.4000 off on minimum booking of Rs.40,000 on International Flights
STYLEUP Contactless Credit Card Rs.499
  • Free gift voucher* worth Rs.500 redeemable at any Fbb/ BigBazaar store.
  • Upfront discount* of flat 10% round the year at Fbb and Big Bazaar outlets.
  • 10X Reward Points on all your Dining expenditures.
  • Anniversary gift* of 2,000 Bonus Reward Points every year.
IRCTC SBI Platinum Credit Card Rs.500
  • 350 activation bonus Reward points on every Rs.500.
  • Upto 10% Value Back for rail ticket purchases with IRCTC SBI Platinum Card.
Mumbai Metro SBI Credit Card Rs. 499
  • Rs.50 Preloaded value on your Mumbai Metro Smart Card.
  • 2000 reward points on spends of Rs.2000.
  • 10X Reward Points and upto 20% discount.
  • 10 Reward Points per Rs.100 spent on Auto top up.
SBI Card PRIME Rs.2,999
  • Rs.3,000 worth welcome e- Gift Voucher.
  • 5X Reward Points on all Dining, Grocery, Departmental and International spends.

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
  3. Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 21 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Aadhar Card
  5. Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.