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SBI credit cards come in a variety of flavours to suit different spending habits and lifestyles. Below is a breakdown of the main categories SBI offers:
Reward Cards:
1. Cashback SBI Card:
This card offers a flat rate of cashback on all purchases, usually between 0.5% and 5%, depending on the variant. It's a straightforward option for those who prefer simple cash back instead of points.
2. SBI Card PRIME:
This comes in various options like Max SBI Card Prime, Titan SBI Card Prime, etc. Each card offers reward points on spending across categories like shopping, dining, and travel. These points can be redeemed for travel bookings, merchandise, or statement credit. The conversion rate for points to rewards may vary.
Shopping and Travel Cards:
3. SimplySAVE SBI Card:
SimplySAVE card caters to those who spend on groceries, departmental stores, movies, and dining. It offers reward points on these spending categories, often at a higher rate than regular purchases.
4. SimplyCLICK SBI Card:
SBI SimplyClick card is ideal for online shoppers. It offers reward points, cashback, or discounts on online purchases from partner websites.
5. Travel SBI Cards:
SBI offers co-branded cards like Air India SBI Signature Credit Card, IRCTC SBI Card Premier, Club Vistara SBI Card Prime, etc. These cards cater to frequent travellers by providing benefits like bonus miles with specific airlines, priority boarding, lounge access, rail ticket booking rewards, and travel insurance discounts.
Lifestyle Cards:
6. SBI Card ELITE:
SBI card ELITE caters to a premium lifestyle. It offers reward points on various spending categories, airport lounge access, priority services at partner establishments, and complimentary memberships to programs like Priority Pass.
Fuel Cards:
7. BPCL SBI Card:
BPCL card is a prime example, offering cashback or reward points specifically on fuel purchases made at BPCL pumps. It also provides a waiver on fuel surcharge and reward points on other categories like groceries.
Co-Branded Cards:
These cards are issued in partnership with specific stores or institutions. They provide benefits tailored to those partners. Here are some examples:
- Max SBI Card: Offers benefits and reward points when you shop at Landmark Stores (Max and Easyday).
- Central SBI Select+ Card / Central SBI Select Card: Provide benefits and reward points for shopping at Central stores.
- Apollo SBI Card: Offers discounts and reward points on healthcare spending at Apollo Hospitals and pharmacies.
Other Considerations:
- Annual Fees: Some SBI cards, particularly premium cards, may have annual fees. Evaluate the benefits against the annual fee to decide if it's worthwhile.
- Welcome Benefits: Many SBI cards offer welcome gifts or bonus points upon card activation.
- Interest Rates and Charges: Review the interest rate and any applicable charges like late payment fees before applying.