Top 10 Best Sbi Credit Cards In India

If you are looking for a credit card in India, you have a lot of options to choose from. However, if you hold a bank account in SBI and want to issue a credit card from the same, then this list is for you. SBI offers almost 50+ credit cards to suit the different needs of its customers. Thus, we have compiled this list of the top 10 best credit cards that you can consider.

Why Choose SBI credit cards?

SBI credit cards offer a variety of benefits and features that could make them a good choice for you, depending on your individual needs and spending habits. Below are some advantages of choosing an SBI credit card:

Wide range of cards: SBI Card offers a diverse selection of credit cards catering to different lifestyles and spending categories. Whether you're a frequent traveller, a movie buff, or a shopaholic, there's likely a card that aligns with your interests.

Rewards programs: Most SBI cards come with reward programs that allow you to earn points on your spending, which can be redeemed for various rewards like travel miles, cashback, merchandise, or gift vouchers. Some cards offer accelerated points in specific categories, maximizing your return on specific types of spending.

Promotional offers: SBI Card frequently runs promotional offers and discounts on various categories like travel, dining, and entertainment. You can save money on your everyday purchases by taking advantage of these deals.

Airport lounge access: Some premium SBI cards offer complimentary access to airport lounges, providing a comfortable and relaxing experience during your travels.

Insurance benefits: Many SBI cards come with bundled insurance coverage, protecting you against emergencies like accidental death, loss of baggage, or even card fraud.

Wide acceptance: SBI cards are widely accepted across India and internationally, giving you the flexibility to use them for most of your purchases.

Convenience: SBI Card offers a user-friendly online portal and mobile app for managing your account, tracking your rewards, and making payments easily.

Other benefits: Depending on the card you choose, you may also enjoy additional benefits like fuel surcharge waivers, extended warranty on purchases, and personalised concierge services.

You can check your credit card eligibility in just a few taps on CreditMantri!

Top 10 Best SBI Credit Cards to choose from

1. SBI SimplySave Credit Card

If you're an everyday spender who enjoys groceries, movies, and departmental stores, the SBI SimplySave Credit Card lets you earn bonus points on those purchases. Plus, there's no annual fee if you meet the spending requirement, making it a budget-friendly choice.

Major Features:

• Earn 10X reward points on groceries, movies, and departmental stores.
• Earn 1 reward point on every Rs. 100 spent on other categories.
• No joining fee or renewal fee if you spend Rs. 1 lakh in a year.
• Get complimentary Lounge access at over 1,000 airport lounges across the world with the Visa Signature variant.
• Welcome bonus of 1,000 reward points.
• Complimentary personal accident insurance cover.
• Contactless payment enabled.

Note:

SBI Simply Save credit card provides lower reward points compared to some other cards. No fuel surcharge waiver is provided.

2. SBI SimplyClick Credit Card

The SBI SimplyClick Credit Card rewards you with bonus points on purchases made through partner websites and other online transactions, helping you maximize your online shopping benefits.

Major features:

• Earn 10X reward points on online shopping through partner websites.
• Earn 5X reward points on other online spends.
• Earn 1 reward point on every Rs. 100 spent on offline transactions.
• No joining fee or renewal fee if you spend Rs. 1 lakh in a year.
• Welcome bonus of 500 Amazon e-voucher.
• Complimentary movie tickets every month on BookMyShow.
• Extended warranty on online purchases.

Note:

This card offers lower reward points on offline transactions compared to other cards. No airport lounge access is provided.

3. SBI Yatra Credit Card

This card is designed to supercharge your travel rewards with bonus points on Yatra.com flight and hotel bookings, airport lounge access, and travel insurance, making your journeys more rewarding and comfortable.

Major Features:

• Earn 10X reward points on flight and hotel bookings made on Yatra.com.
• Earn 1 reward point on every Rs. 100 spent on other categories.
• Get complimentary airport lounge access with the Visa Signature variant.
• Get travel insurance and purchase protection benefits.
• Welcome bonus of 2,000 reward points.
• Fuel surcharge waiver.
• Complimentary personal accident insurance cover.

Note:

This card has an annual fee of Rs. 799. Also, it offers lower reward points for non-travel-related categories.

4. SBI Air India Signature Card

Dedicated Air India flyers, soar to new heights with the SBI Air India Signature Card. Earn Air India Miles on every purchase and enjoy priority treatment like check-in, baggage allowance, and lounge access, making your Air India experiences even more exclusive.

Major Features:

• Earn 15 Air India Miles on every Rs. 100 spent.
• Get 10,000 bonus Air India Miles on joining and spending Rs. 1 lakh in the first 3 months.
• Complimentary priority check-in, baggage allowance, and lounge access with Air India.
• Get travel insurance and purchase protection benefits.
• Welcome bonus of 25,000 Air India Miles.
• Fuel surcharge waiver.
• Complimentary personal accident insurance cover.

Note:

Rewards are only in the form of Air India Miles. There is a high annual fee of Rs. 4,999.

5. SBI Card Prime

This premium card caters to those who love dining, movies, and entertainment, offering accelerated rewards in these categories alongside airport lounge access and a variety of lifestyle benefits.

Major Features:

• Earn 2 reward points on every Rs. 150 spent.
• Get accelerated reward points on dining, movies, and entertainment spends.
• Get complimentary access to airport lounges.
• Get travel insurance, purchase protection, and other lifestyle benefits.
• Welcome bonus of 5,000 reward points.
• Get complimentary movie tickets and dining offers.
• Extended warranty on purchases.

Note:

There is a high annual fee of Rs. 2,999. Rewards are capped at Rs. 10,000 per month.

6. SBI Elite Credit Card

This top-tier card grants you unlimited access to airport lounges worldwide, premium travel benefits, and exclusive rewards, taking your lifestyle to the next level.

Major Features:

• Earn 3 reward points on every Rs. 100 spent.
• Get accelerated reward points on dining, movies, and travel spends.
• Enjoy access to airport lounges across the world without any limitations.
• Get travel insurance, purchase protection, and other premium benefits.
• Welcome bonus of 10,000 reward points.
• Get complimentary golf games and spa vouchers.

Note:

There is a very high annual fee of Rs. 9,999. Rewards are capped at Rs. 20,000 per month.

7. SBI Cashback Card

Watch your savings grow with the SBI Cashback Card, which rewards you with cashback on various spending categories. Plus, there's no annual fee if you meet the spending requirements, making it a smart choice for budget-conscious individuals.

Major Features:

• Earn cashback on various categories of spending.
• Specific cashback rates for groceries, fuel, utility bill payments, and more.
• No joining fee or renewal fee if you meet annual spending requirements.
• Welcome cashback bonus for new cardholders.
• Additional benefits like insurance coverage and contactless payment.

Note:

Cashback rates and benefits may vary across spending categories. 

8. SBI BPCL Snergy Card

Fill up your tank and save money with the SBI BPCL Snergy Card. This card offers bonus rewards and discounts on BPCL fuel purchases, perfect for drivers who frequent BPCL stations.

Major Features:

• Earn 4 reward points on every Rs. 150 spent on BPCL fuel purchases.
• Earn 1 reward point on every Rs. 100 spent on other categories.
• Get a 1% discount on BPCL fuel purchases.
• No joining fee or renewal fee if you spend Rs. 2 lakh annually on BPCL fuel.
• Welcome bonus of 500 reward points.
• Complimentary accidental death insurance cover.

Note:

Lower reward points are given on non-BPCL fuel spend. You won't be provided with any airport lounge access. This card offers limited benefits compared to other cards.

9. Reliance SBI Card

The Reliance SBI Card rewards you with benefits and rewards specifically tailored to your purchases at Reliance stores and other categories, making your shopping experiences more rewarding.

Major Features:

• Tailored benefits for Reliance retail customers.
• Earn rewards or cashback on Reliance store purchases.
• Additional benefits for specific spending categories.
• No or lower joining/renewal fee for Reliance customers.
• Welcome bonus or exclusive discounts for new cardholders.

Note:

Benefits are more aligned with Reliance retail activities. 

10. IRCTC SBI Card Premier

Embark on smoother journeys with the IRCTC SBI Card Premier. This card unlocks exclusive rewards, lounge access, and travel insurance, making your train travel more convenient and enjoyable.

Major Features:

• Exclusive benefits for frequent train travellers.
• Earn reward points on railway bookings through IRCTC and other spending categories.
• Accelerated reward points on dining, grocery, and other specified spends.
• Complimentary railway lounge access and travel insurance.
• Welcome bonus or additional perks for new cardholders.

Note:

Benefits are primarily focused on railway-related expenditures.

Please note: This information is for general purposes only and does not constitute financial advice. It is important to carefully consider your individual needs and financial situation before applying for any credit card. Always compare different cards and their terms and conditions before making a decision.

Bonus Tip: Responsible credit card usage is key. Always pay your bills on time and avoid exceeding your credit limit to maintain a healthy financial life. Get more details about other SBI credit cards and directly apply for them here.

Conclusion

With the right SBI credit card by your side, you can unlock a world of rewards, convenience, and financial benefits. So, choose wisely, spend smart, and make the most of your plastic power!

FAQs on Best SBI Credit Cards in India

1. Which is the best credit card in SBI bank?

There's no single "best" SBI card. It depends on your spending habits and needs. Consider reward programs, annual fees, and benefits before choosing.

2. Which SBI credit card is best for fuel?

For fuel, consider SBI BPCL PetroCard or SBI IRCTC SBI Card for discounts and fuel-related benefits.

3. Is the SBI Pulse credit card good or bad?

SBI Pulse is okay if you spend on groceries and movies as it offers cashback and fee reversal benefits. But, the reward rate is lower than some cards.

4. What is the maximum limit of an SBI credit card?

The credit limit depends on your creditworthiness and income. Contact SBI for specific information.

5. Do top credit cards have higher annual fees?

Generally, yes. Top-tier cards often offer more benefits and rewards but with higher annual fees.

6. How to redeem the benefits that are offered by these credit cards?

Redemption methods vary by card and benefit. Refer to the card's terms and conditions or contact SBI for details. Remember, responsible credit card usage is key!