10 Feature-Loaded SBI Credit Cards For You

By Nishant | September 23, 2019

SBI Credit Cards are extremely popular among users and for good reason. We’ve broken it down simply so you can decide which SBI Credit Card is best for you.

Credit Cards are more popular than ever and they should be. After all, cash doesn’t quite offer the numerous benefits and convenience cards do. SBI cards, in particular, are extremely popular and cater to shoppers, travellers, diners and pretty much every kind of Credit Card user out there. Let’s explore these feature-loaded cards.

Air India SBI Signature Card

Get rewarded abundantly for your travels!

What do I get?

  • 4 points/ Rs. 100 spent
  • Up to 1,00,000 bonus Reward Points yearly (1 point = 1 Air India air mile)
  • Up to 30 Reward Points / Rs. 100 spent on Air India tickets
  • International Airport Luxury Lounge Access to over 600 airport lounges
  • Complimentary Visa Lounge Access Program at domestic airports

What else?

  • 1% fuel surcharge waiver across all petrol bunks on every transaction between Rs. 500 – Rs. 4,000 up to Rs. 250 per statement cycle
  • Lost card liability cover up to Rs. 1 lakh
  • Anniversary gift of 5,000 Reward Points

Fees?

  • 1st Year Fee – Rs. 4,999
  • 2nd Year onwards – Rs. 4,999

Additional Reading: Low income? Credit Card Tips For You!

Pro tip: With 30 rewards points for every Rs. 100 spent on Air India tickets, 4 reward points on other spends, additional bonus points of 20,000 on crossing an annual spend of Rs. 5 lakhs and 50,000 points on crossing annual spends of Rs. 10 lakhs, you can convert your accumulated reward points to air miles and buy Air India tickets. This is hugely rewarding – if you spend Rs. 10 lakhs in a year, you’ll have enough miles for six Delhi-Mumbai round trips or one Delhi-London return ticket and one Delhi-Mumbai return ticket!

SimplySAVE SBI Card

Your everyday-use card is here!

What do I get?

  • 1 point/₹100 spent on all other categories
  • 0% fuel surcharge at all petrol bunks for transactions between Rs. 500 – Rs. 3,000
  • Up to 10 reward points for every Rs. 100 spent on dining, movies and groceries

What else?

  • Annual fee waiver based on spends

Fees?

  • 1st Year Fee – Rs. 499
  • 2nd Year onwards – Rs. 499. Waived on annual spends > Rs. 1 lakh in previous year

Pro tip: This card offers an excellent rewards programme (4 reward points = Rs. 1) and will greatly benefit those who like to save while they spend.

SBI Card ELITE

A world of privileges await!

What do I get?

  • 5 points/ Rs. 100 on dining, department stores and groceries 2 points/ Rs. 100 on all other spends
  • Lowest forex mark-up of 1.99% on international usage
  • 2 points/ Rs. 100 spent on international transactions
  • Up to 50,000 bonus Reward Points worth Rs. 12,500/ year

What else?

  • Free movie tickets worth Rs. 6,000 every year
  • Up to 15,000 bonus Reward Points based on annual spends
  • Annual fee waiver based on spends

Fees?

  • 1st Year – Rs. 4,999
  • 2nd Year Onwards – Rs. 4,999. Waived on annual spends > Rs. 10 lakhs

Additional Reading: Tips and Tricks For Handling Multiple Credit Cards

Pro tip: This card offers 5X Reward Points on everyday spends such as departmental store purchases, grocery spends and dining. Add to that 2 Reward Points per Rs. 100 on all other spends (except fuel), and you stand to accumulate a fair number of Reward Points. You can pay your card outstanding with the Reward Points so with 4 Reward Points adding up to Rs. 1, you’ll actually end up saving quite a lot.

Air India SBI Platinum Card

Your journey of rewarding experiences begins!

What do I get?

  • Up to 15 points/ Rs. 100 spent on Air India tickets
  • 2 points/ Rs. 100 spent on others (1 point = 1 Air India air mile)
  • Welcome gift of 5,000 Reward Points
  • Anniversary gift of 2,000 Reward Points
  • Up to 15,000 bonus Reward Points annually
  • 8 free visits per year to domestic VISA lounges

What else?

  • 1% fuel surcharge waiver across all petrol bunks across India
  • Lost card liability cover up to Rs.  1 lakh

Fees?

  • 1st Year – Rs. 1,499
  • 2nd Year Onwards – Rs. 1,499

Pro tip: If you’re a frequent flyer, using this card can let you fly for free regularly. With 15 points/ Rs. 100 spent on Air India tickets and 2 points/ Rs. 100 spent on other categories, just use this card every time you need to swipe and let the points flow. Add the 5,000 points you get as a welcome gift and another 2,000 as an anniversary gift to your accumulated points, you’ll be saving a ton on flight tickets! If you’d rather redeem your points for other things, the rewards catalogue is huge. You can pick up travel essentials like backpacks, Swiss knives or even hotel vouchers! Get this card and your travel plans are sorted.

SBI Card PRIME

Spending has never been this rewarding!

What do I get?

  • 20 points/ Rs. 100 spent on standing instructions for utility bill payment
  • 15 points/ Rs. 100 spent on BigBasket
  • 10 points/ Rs. 100 spent on dining, groceries & movies
  • Annual fee waiver on annual spends of Rs. 3 lakhs
  • 2 points/ Rs. 100 on all other spends
  • 20 points/ Rs. 100 spent on your birthday
  • E-gift voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 lakhs

What else?

  • 4 complimentary visits per year to International Priority Pass Lounges outside India
  • 8 complimentary visits per year to domestic airport lounges in India
  • 1% fuel surcharge waiver across all petrol bunks on every transaction between Rs. 500 – Rs. 4,000 up to Rs. 250 per statement cycle

Fees?

  • 1st Year – Rs. 2,999
  • 2nd Year Onwards – Rs. 2,999. Waived on annual spends of Rs. 3 lakhs

Pro tip: Plenty of great reward slabs, but the utility bill payment one gives you roughly 5% value in addition to decent value if you’re a regular BigBasketeer. Moreover, the reward points can be exchanged for statement credit which is an added plus.

SimplyCLICK SBI Card

Go online, spend and get rewarded!

What do I get?

  • 10 point/ Rs. 100 spent on Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, Rentomojo and Urbanclap
  • 5 points/ Rs. 100 on other online spends
  • 1 point/ Rs. 100 on all other spends
  • Annual fee waiver on annual spends of Rs. 1 lakh in the previous year
  • E-voucher worth Rs. 2,000 on annual online spends of Rs. 1 lakh – Rs. 2 lakh

What else?

  • 1% fuel surcharge waiver across all petrol bunks on every transaction between Rs. 500 – Rs. 3,000 up to Rs. 100 per statement cycle

Fees?

  • 1st Year Fee – Rs. 499
  • 2nd Year onwards – Rs. 499. Waived on annual spends > Rs. 1 lakh

Additional Reading: Incorporating Your Credit Card Into Your Budget

Pro tip: This card is a boon for online shoppers, especially if you’re an Amazon regular. Besides the welcome gift of an Rs. 500 Amazon gift card, consider this: If you cumulatively spend Rs. 20,000 on Amazon, you’ll earn 2,000 Reward Points. You can redeem this for an Rs. 500 Amazon gift card. This amounts to a high value of 0.25 paisa per reward point. Effectively, you’re getting 2.5% returns when spending on the online partner’s site and 1.25% returns on regular online spends. Bang for your buck much?

Yatra SBI Card

A big reason to travel more!

What do I get?

  • 6 points/₹100 spent on grocery, dining, movies & international spends
  • 1 point/₹100 spent on all others 1 Reward Point = ₹0.25
  • ₹1,000 off on domestic flight bookings ₹4,000 off international flight bookings 20% off on domestic hotel bookings

What else?

  • 1% fuel surcharge waiver across all petrol bunks on every transaction between ₹500 – ₹3,000 up to Rs. 100 monthly
  • Complimentary ₹50 lakh air-accident death cover

Fees?

  • 1st year – Rs. 499
  • 2nd year onwards – Rs. 499. Waived on annual spends > Rs. 1 lakh in the previous year

Pro tip: Payment of the Rs. 499 joining fee gets you Yatra vouchers worth Rs. 8,250. This is a one-time gift. The voucher comprises of:
2 vouchers worth Rs. 500 each for domestic air tickets
2 vouchers worth Rs. 1,000 each for international air tickets
1 voucher worth Rs. 750 for hotel bookings
1 voucher worth Rs. 1,500 for a domestic holiday package
1 voucher worth Rs. 3, 000 for an international holiday package

Pro tip: Apart from all the benefits you get as Reward Points every time you use your card, you pay an annual fee of just Rs. 499 and immediately get vouchers that mitigate the fee; plus you get an additional Rs. 7,751 worth of benefits right away. It’s a complete no-brainer!

IRCTC SBI Platinum Card

Exclusive privileges for the train traveller!

What do I get?

  • 1 point/ Rs. 125 spent on non-fuel retail purchases
  • 10% value back as reward points on AC1, AC2. AC3 and AC CC train tickets via IRCTC website
  • 1.8% transaction charge waiver on all train tickets via IRCTC website
  • Exclusive travel offers from IRCTC

What else?

  • Book airline tickets with IRCTC at unbeatable prices
  • Great offers on travel, golf, dining and other entertainment options from Visa

Fees?

  • 1st Year Fee – Rs. 500
  • 2nd Year Fee – Rs. 300

Pro tip: Yes, this card will help you save big if you travel frequently by train. But you can definitely also save a big chunk of change as you don’t have to pay the transaction fees when you purchase fuels and other lubricants for amounts exceeding Rs. 400 up to Rs. 2,000 each time at designated IndianOil & IBP petrol pumps.

FBB SBI STYLEUP Card

Shopping just got a lot more exciting!

What do I get?

  • Flat 10% off on spends at fbbonline.in, fbb and Big Bazaar stores
  • 10X Reward Points on spends at Big Bazaar, standalone Fbb, Food Bazaar outlets & dining
  • 10% discount offer is valid over and above existing offers or promos in the stores
  •  No cap on count/value of daily, monthly or yearly discount transactions

What else?

  • Anniversary gift of 2,000 Bonus Reward Points every year
  • 1% fuel-surcharge waiver across all petrol bunks on every transaction between Rs. 500 – Rs. 3,000 up to Rs. 100 per statement cycle

Fees?

  • 1st Year Fee – Rs. 499
  • 2nd Year Fee – Rs. 499

Pro tip: With no cap on count/value of daily, monthly or yearly discount transactions and the fact that the discount is valid over and above existing offers or promos in the stores, there’s literally NO LIMIT to how much you can save with this card!

SimplySAVE Advantage SBI Card

Now you can save when you spend!

What do I get?

  • 10 Rewards Points/ Rs. 100 spent on dining, grocery, movies & departmental purchases
  • 1 reward point/ Rs. 100 on all other spends (4 Reward Points = Re. 1)
  • Spend-based annual membership fee reversal
  • Accepted in over 24 million outlets worldwide & 3,25,000 outlets in India

What else?

  • 1% fuel-surcharge waiver across all petrol bunks on every transaction between Rs. 500 – Rs. 3,000 up to Rs. 100 per statement cycle
  • No annual fee for add-on cards

Fees?

  • 1st Year – Rs. 499
  • 2nd year onwards – Rs. 499. Waived on annual spends > =Rs. 1 lakh in previous year

Pro tip: Here’s how you can really get the most out of this card. You spend Rs. 2,000 within the first 60 days of card issuance. That’s 2000 bonus points in your account right away. Within that year, you make it your everyday card and spend over Rs. 1 lakh on dining, grocery, movies & departmental purchases. That’s another 10,000 Reward Points which makes it a total of 12,000 points now. 12,000 Reward Points = Rs. 3,000 that you can use to pay your Credit Card bill or buy items from the rewards catalogue. Plus, since you’ve spent more than Rs. 1 lakh, the annual fee of Rs. 499 is also waived. That’s a total benefit of Rs. 3,500 in a single year.

Decided which one you want? Go ahead and apply via BankBazaar.com.

All information including news articles and blogs published on this website are strictly for general information purpose only. BankBazaar does not provide any warranty about the authenticity and accuracy of such information. BankBazaar will not be held responsible for any loss and/or damage that arises or is incurred by use of such information. Rates and offers as may be applicable at the time of applying for a product may vary from that mentioned above. Please visit www.bankbazaar.com for the latest rates/offers.
Category: Credit Cards UCN
Nishant Lama

About Nishant Lama

Learned to sing before he could talk. Trusts animals more than humans. Loves reading, bikes and beer. Finds joy in the colours of monochrome photography. Never touch his hair. Just never.

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