Let’s say Rohan lives in Mumbai and likes saving money with cool card benefits. Last month, he bought a flight ticket for ₹20,000 using his SBI SimplyCLICK Card. Instead of paying all at once, he paid in 6 easy monthly instalments of ₹3,500.
He earned 2,000 reward points from this, which he used to get a ₹400 shopping voucher. Then, he spent ₹4,000 on groceries and got ₹80 cashback. On a trip to Delhi, he quickly paid for coffee by tapping his card and enjoyed free airport lounge access.
What’s cool here?
Easy EMI payment for big spends
Reward points turning into real discounts
Cashback on everyday buys
Contactless payments for speed
Complimentary lounge access to relax
SBI credit cards aren’t just about spending — they help you save smartly and live better!
Why Choose an SBI Credit Card?
Let’s say Rohan lives in Mumbai and uses an SBI SimplyCLICK Credit Card. Last month, he bought a flight ticket for ₹20,000. He paid in easy monthly payments of ₹3,500 for six months. He earned 2,000 reward points, which he used to purchase a ₹400 shopping voucher.
Then, he spent ₹4,000 on groceries and got ₹80 cashback. On a trip to Delhi, he quickly paid for coffee by tapping his card and enjoyed free access to the airport lounge. Rohan saved money and easily utilised many SBI Card benefits.
Key Benefits:
Earn reward points on every ₹100 spent, redeemable for travel, shopping or dining.
Earn up to 5% cash back on select categories, including groceries and utilities.
Convert purchases above ₹2,500 into EMIs at competitive interest rates.
Tap-and-pay with contactless technology for quick, secure transactions.
Enjoy complimentary airport lounge access, depending on your card variant.
Feature
Why It Matters
Reward Points
2 points per ₹100 spent; redeem for vouchers or travel
Cashback
Up to 5% back on groceries, fuel and utility bill payments
EMI Conversion
Split large bills into 3–12 EMIs for easier budgeting
Contactless Payments
Quick, secure tap-and-pay in under a second
Complimentary Lounge Access
Relax at airport lounges (1–4 visits annually)
Types Of SBI Credit Cards:
Category
Card Name
Key Benefits
Ideal For
Lifestyle Cards
SBI Card ELITE
Airport lounge access, concierge services, and golf benefits
Premium consumers
Reliance SBI Card
Reliance retail vouchers, shopping benefits at Reliance stores
Reliance shoppers
SimplySAVE SBI Card
Cashback on everyday spending
Daily spenders
SBI SimplyCLICK Card
Cashback and discounts on online shopping
Online shoppers
Cashback SBI Card
Cashback rewards on all transactions
General cashback seekers
SBI Card Miles ELITE
Travel benefits, reward miles
Frequent travelers
IRCTC SBI Card Premier
Travel benefits, discounts on IRCTC bookings
Frequent train travellers
Reward Cards
SimplySAVE SBI Card
Earn reward points on everyday spending, redeemable for various benefits
Everyday spenders
Reliance SBI Card PRIME
Reward points on Reliance retail, dining, movies, and entertainment
Lifestyle & entertainment spenders
SBI Card PULSE
Health benefits, reward points, and airport lounge access
Health-conscious & travelers
Shopping Cards
Reliance SBI Card PRIME
Reliance retail vouchers, shopping benefits
Reliance store shoppers
SimplySAVE SBI Card
Cashback and discounts on shopping
Shopping enthusiasts
SimplyCLICK SBI Card
Cashback and discounts specifically for online shopping
Online shopping lovers
Travel & Fuel Cards
SBI Card Miles ELITE
Travel benefits, reward miles
Frequent flyers
IRCTC SBI Card Premier
Travel benefits, discounts on train bookings
Regular IRCTC users
BPCL SBI Card
Fuel purchase benefits at BPCL petrol pumps
Fuel buyers
SBI Card PULSE
Fuel surcharge waiver on transactions ₹500–₹4,000 (max ₹250 per cycle)
Drivers looking for fuel savings
Banking Partnership Cards
Reliance SBI Card
Partnership with Reliance Retail, shopping vouchers
Reliance shoppers
IRCTC SBI Card Premier
Partnership with IRCTC, travel benefits and discounts
Train travelers
BPCL SBI Card
Partnership with BPCL for fuel-related benefits
Fuel customers
Key Features & Benefits of SBI Credit Cards:
Feature
Description
Reward Programs
Earn reward points and cashback on spending; redeem for discounts, travel, or merchandise.
Flexipay
Convert eligible purchases into EMIs (Equated Monthly Instalments) for flexible repayment.
Contactless Payments
Make quick and easy payments by tapping your card on NFC-enabled machines.
Lounge Access
Complimentary access to airport lounges with select SBI cards.
Discounted Movie Tickets
Special discounts on movie tickets with certain SBI credit cards.
Concierge Services
Personalised assistance with travel, bookings, and other needs (available on premium cards).
Fuel Surcharge Waiver
Save on fuel expenses with waivers on fuel surcharge across many SBI credit cards.
Balance Transfer
Transfer balances from other credit cards to the SBI Card, often at lower interest rates.
Easy Access Channels
Manage your account online or via the SBI Card mobile app anytime, anywhere.
Online Bill Payment
Pay utility and other bills easily through the SBI Card website or mobile app.
Co-branded Privileges
Extra discounts and benefits through cards partnered with specific brands or services.
Milestone Benefits
Earn bonus rewards or special privileges when you reach certain spending milestones.
How to Apply for an SBI Credit Card?
To apply for an SBI credit card, you have three convenient options: online, by telephone, or in person at an SBI branch.
1. Online Application:
Go to the SBI Card website at www.sbicard.com.
Select the credit card that best suits your requirements.
Click on "Apply Now" and begin the online application.
Provide your personal and professional information, including contact details, income, and employment details.
Upload your KYC documents, like PAN card, ID proof, and address proof.
Fill and submit your application.
2. Through Telephone:
Dial the SBI Card call centre at 39020202 (prefix your city code and then the number).
Follow the instructions provided by the customer representative for the application.
3. At an SBI Branch:
Drop by your local SBI branch.
Request an application form and complete it.
Hand it over to the bank officials for processing.
Call 1800 1234 or 1800 2100. Follow IVR prompts to reach agents.
Dedicated email for credit card queries. An online form is available for submissions.
Email: customercare@sbicard.com. Use the online contact form on www.sbicard.com.
SMS Support (Simply SMS)
Quick info via SMS from a registered mobile number. Use specific SMS codes to get details.
Send SMS to 5676791 with codes:
• BAL XXXX (balance enquiry)
• PAYMENT XXXX (last payment)
• BLOCK XXXX (block card)
Mobile App
Self-service platform to manage accounts, view statements, track transactions, redeem points, and more.
Download the SBI Card mobile app from app stores and log in to your account.
Online Help & FAQs
FAQs and guides to resolve common issues.
Visit the help section on www.sbicard.com.
Grievance Redressal
Raise complaints or grievances for faster resolution.
Submit a ticket on the SBI Card website or contact the grievance cell.
Social Media
Potential support via social media channels (not explicitly confirmed).
Check SBI Card’s official social media pages for updates and support options.
Conclusion:
SBI Credit Cards make spending easy and rewarding! You can earn cashback on daily purchases, accumulate points for shopping and travel, and pay big bills in easy EMIs. Some cards even let you pay quickly by tapping and give free airport lounge access.
Applying is simple—online, by phone, or at an SBI branch. Customer help is ready 24/7 by phone, email, SMS, or app. Get an SBI Credit Card and enjoy smart savings and excellent benefits!
FAQs:
Q1: How can I pay for large purchases using my SBI Credit Card? You can convert big spends into easy EMIs with SBI Credit Card’s Flexipay option.
Q2: What rewards can I earn with an SBI Credit Card? You earn reward points and cashback on everyday shopping, travel, and more.
Q3: How do I apply for an SBI Credit Card? Apply online, by phone, or visit your nearest SBI branch to get started.
Q4: Can I pay quickly without swiping my card? Yes, SBI Credit Cards support fast and secure contactless tap-and-pay transactions.
Q5: Do SBI Credit Cards offer airport lounge access? Yes, select SBI Credit Cards provide complimentary airport lounge access for cardholders.
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About the Author
LoansJagat Team
‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.
