Best SBI Credit Cards in India

State Bank of India (SBI), India's largest public sector bank, offers a wide range of products in the credit cards segment.

State Bank of India (SBI), India's largest public sector bank, offers a wide range of products in the credit cards segment. Since every card has its unique features, a person can feel overwhelmed while choosing from a wide range of credit cards. Therefore, we have listed down the best credit cards offered by SBI in 7 different categories. The table below contains the best credit card from each category.

Top SBI Credit Cards in India

Card Name Category Annual Fee Annual Bonus  
SBI SimplyCLICK Credit Card Online Shopping INR 499 Vouchers worth INR 4,500 Apply Now
Fbb SBI STYLEUP Credit Card Shopping INR 499 Vouchers worth INR 500 and 2,000 bonus reward points every anniversary year Apply Now
SBI Elite Credit Card Premium Cards INR 4,999 Vouchers worth INR 17,500 Apply Now
SBI Prime Card Lifestyle INR 2,999 Vouchers worth INR 11,000 Apply Now
Air India SBI Signature Credit Card Travel INR 4,999 INR 20,000 to INR 1.00,000 depending on your annual spend Apply Now
Yatra SBI Credit Card Travel INR 499 Vouchers worth INR 8,250 Apply Now
BPCL SBI Credit Card Fuel INR 499 2,000 bonus reward points Apply Now
TATA STAR Platinum Credit Card Fuel, Cash back INR 2,999 Vouchers worth INR 9,500 Apply Now
SBI SimplySAVE Credit Card Entry level Card for everyday needs INR 499 2,000 reward points Apply Now

State Bank of India Credit Cards - Features & Benefits

SBI SimplyCLICK Credit Card (For online shopping)

The SBI SimplyCLICK Credit Card not only caters to your online shopping needs but also offers a good rewards programme. The card offers 10x rewards on online shopping at sites like Amazon, ClearTrip, BookMyShow, etc. Furthermore, it offers 5x rewards on all other e-commerce spends. Given the card’s preferred partners, it is aimed at the young urban millennial. With a rewards rate of 2% on your online spend, this is definitely a must-have credit card.

Pros & Cons:

Reasons to Choose Reasons to Avoid
Fuel Surcharge Waiver  Lack of dining benefits
Low Annual Fee  Poor rewards for offline and Retail Spending
5x Reward points on every INR 100 spent on other E-Commerce sites. Monthly Interest rate of 3.35%
10 points for every INR 100 spent on e-commerce sites like Ola, Amazon, and Lenskart.

Rewards/Benefits:

  • 10X rewards on online spends with exclusive partners – Clear Trip / BookMyShow / Amazon / Foodpanda / UrbanClap/ Lenskart.
  • 5X rewards on all other online spends.
  • Milestone benefit: On spending INR 1,00,000, you will get an INR 2,000 ClearTrip voucher. This can be redeemed for flight and hotel bookings only.
  • An Amazon.in gift card worth INR 500 on joining.
  • 1% fuel surcharge waiver for each transaction between INR 500 and INR 3000
  • Any purchases of INR 2500 and above on the SBI Simply Click Card can be converted into easy EMIs(FlexiPay)
  • Balance Transfer on EMI
  • 40% discount for first time Urban Clap Users.
  • Get a cheque or draft delivered to your home, based on your credit limit (EasyMoney)

Quick Figures:

Annual Fee INR 499
Annual Bonus Vouchers worth INR 4,500
APR 40.20%
Foreign Transaction Fee 3.5% of the transaction amount
Minimum Requirements Should be a salaried employee or self-employed with stable monthly income

The SBI SimplyCLICK Credit Card is a great option for first-time credit card users who want to get good rewards on online shopping for a low annual fee. However, stay away from this card if you shop a lot at physical retail stores or if you expect to be not making full monthly payments towards your credit card bills.

FBB SBI STYLEUP Card (For Shopping)

The FBB  SBI STYLEUP Card gives an upfront discount of 10% throughout the year on Fashion Apparel, Accessories,  Footwear & School Bags, Backpacks, Fbb and Big Bazaar Store. The best thing about this card is that there is no monthly or yearly cap. Additionally, you get 10X reward points on spends at the stores mentioned above, making it one of the best SBI credit cards for Shopping.

Pros & Cons:

Reasons to Choose  Reasons to Avoid 
Discounts throughout the year at partner stores  No movie vouchers or benefits
10x Rewards at partner stores  No online shopping benefits
Fuel Surcharge Waiver High APR
Balance Transfer, FlexiPay, Easy Money options

Rewards/Benefits:

  • 10% discounts throughout the year without any monthly or yearly caps at FBB and Big Bazaar stores for Fashion, Apparel, Footwear, Backpacks, School bags, and Accessories.
  • 10X rewards at the outlets mentioned above and all dining bills.
  • 1% Fuel Surcharge Waiver on all your transactions of INR 500- INR 3000.
  • Draft or cheque facility at your doorstep.
  • Convert transactions to monthly instalments when the purchase value is above INR 2,500.

Quick Figures:

Annual Fee INR 499
Annual Bonus Vouchers worth INR 500 and card anniversary gift of 2000 bonus points
APR 40.20%
Minimum Requirements Should be a salaried employee or self-employed with stable monthly income

The Fbb SBI STYLEUP Credit Card is perfect for all FBB and Big Bazaar customers. Moreover, It also comes with dining discounts. However, if you don't like shopping in these stores, then this card is not right for you.

SBI Elite Credit Card (For Premium Cards)

The SBI Elite Credit Card is SBI's best premium card that gives an exclusive range of benefits. Besides, the luxury that this SBI card provides is impressive for the annual fee it charges. The primary cardholder gets a complimentary Club Vistara Membership and a complimentary Red Tier Trident Privilege Membership which comes with great rewards earning potential. Additionally, SBI elite card makes your everyday life more relaxed by offering reliable Concierge Services. Furthermore, you can save up to INR 6,000/year in movies with this card.

Pros & Cons:

Reasons to Choose   Reasons to Avoid 
Rewards programme High-interest rate
Club Vistara Membership & Trident Privilege Membership High Annual Fee
 Domestic & International Airport Lounge Access Zero cash back
 Concierge Services No golf privileges

Rewards/Benefits:

  • Welcome benefit worth INR 5,000
  • Buy one, get one BookMyShow ticket free; free movie tickets worth INR 6,000 a year.
  • Milestone privileges worth INR 12,500 per year.
  • 5X rewards on dining, grocery, and departmental stores.
  • 2 complimentary domestic lounge access and 6 international airport lounge access abroad.
  • Low foreign currency mark-up fee at 1.99%
  • Exclusive Concierge services.

Quick Figures:

Annual Fee INR 4,999
Annual Bonus Vouchers worth INR 17,500
APR 40.20%
Foreign Transaction Fee 1.99% of the transaction amount
Minimum Requirements Should be a salaried employee or self-employed with stable monthly income

If you are someone who loves travelling with comfort and wants to earn good rewards, then this is the card for you. Furthermore, the low foreign currency-mark up fee and airport lounge access also makes this card great for premium users. However, one of the major disadvantages of this premium card is the unavailability of any golf privileges.

SBI Prime Credit Card (For Lifestyle)

The SBI Prime Card offers the perfect rewards programme when you are willing to pay a slightly higher Annual fee. Rewards are offered in a broad range of categories which includes dining bills, utility payments, grocery stores, movies, departmental stores etc. Moreover, some other advantages of this card are the reward points that you earn on your birthday for every spend of INR 100, golf privileges, milestone benefits. Additionally, you have the advantage of Club Vistara Membership and Trident Privilege Membership.

Pros & Cons:

Reasons to Choose   Reasons to Avoid 
Rewards programme Slightly high-interest rate
Club Vistara Membership & Trident Privilege Membership High Annual Fee
Domestic & International Airport Lounge Access Zero cash back
Golf privileges

Rewards/Benefits:

  • A gift voucher worth INR 3000 as a welcome gift.
  • Milestone Benefit:
    • Yatra/Pantaloon voucher worth INR 7,000 on achieving annual spends of INR 5 Lacs,
    • Pizza Hut Voucher worth INR 1,000.
  • For every INR 100 spent on utility payment, you get 20 reward points.
  • 15 reward points per INR 100 spent on partner stores.
  • 10 reward points on spending INR 100 on grocery bills.
  • 4 international airport lounge visits per year and 2 per quarter.
  • 8 Complimentary domestic lounges in India.

Quick Figures:

Annual Fee INR 2,999
Annual Bonus Vouchers worth INR 11,000
APR 40.20%
Foreign Transaction Fee 3.5% of the transaction amount
Minimum Requirements Should be a salaried employee or self-employed with stable monthly income

If earning rewards is your single most priority, then the SBI Prime offers unparalleled benefits. Nevertheless, this is perfect when you are ready to pay an annual fee of INR 2,999. You can make the most of this card by achieving the specified annual spends. Additionally, this card offers you rewards on your birthday, which makes splurging money on your birthday less expensive.

Air India SBI Signature Credit Card (For Travel)

The Air India SBI Signature Credit Card is primarily targeted at Air India Frequent flyers. It offers incomparable rewards and benefits for such an annual fee. Moreover, the 20,000 reward points on joining are one of the best features of this card. Furthermore, this card offers both domestic and international airport lounge access.

Pros & Cons:

Reasons to Choose Reasons to avoid
Impressive Rewards Programme Restricted to Air India Flights
Airport Lounge Access No dining discounts
Welcome gift High Annual Fee
Fuel Surcharge Waiver No golf privileges

Rewards/Benefits:

  • Welcome gift: 20,000 Reward points.
  • Complimentary membership of the Air India Frequent Flyer program-Flying Returns.
  • 1 Reward point is equal to 1 Air India Mile.
  • International AirportLounge Access to over 600 airport lounges with complimentary Priority Pass Program
  • 30 Reward Points for every INR 100 spent on Air India tickets booked through airindia.com and Air India mobile app. 10 reward points when booked through other sites or apps.
  • Fuel surcharge waiver of 1% on transactions between INR 500 to INR 4,000.
  • Insurance cover of INR 1,00,000 for a lost card

Quick Figures:

Annual Fee INR 4,999
Annual Bonus INR 20,000 to INR 1.00,000 depending on your annual spend
APR 40.2%
Minimum Requirements Salaried employee

For Air India Frequent Flyers, this card offers the perfect deal. However, you can also take a look at Yatra SBI Credit Card. Besides, the Yatra SBI Credit Card offers a comprehensive list of benefits which not only include travel-related benefits but also lets you earn reward points on spends in different categories such as dining, grocery, movies, entertainment etc.

Yatra SBI Credit Card (For Travel)

The Yatra SBI Card is one of the best credit cards that SBI offers at this point. It not only covers travel benefits such as discounts on air tickets and hotels, airport lounge access etc.  but also offers a lot with regards to earning rewards. With this card, you would get 6X reward points in spends on dining, movies, grocery, departmental stores and international spends. Additionally, this card also offers complimentary air accident cover when tickets are booked through yatra.com. Furthermore, the Yatra Card also offers a Fuel Surcharge Waiver.

Pros & Cons:

Reasons to Choose Reasons to avoid
Complimentary Air Accidental Cover No premium services such as golf privileges
Discounts on flight bookings and domestic hotels No cash back on your spends
Rewards in a broad range of categories High APR
Fuel Surcharge Waiver No international airport lounge access

Rewards/Benefits:

  • Yatra vouchers worth INR 8,250 on joining
  • Discounts on flight tickets upon meeting  minimum transactions
  • 20% discount on hotel bookings ( min transaction value should be INR 3,000)
  • Access to domestic airport lounges
  • INR 50 Lacs Air Accident Cover
  • 1% Fuel Surcharge Waiver at all Petrol pumps.
  • Rewards on spends (dining, grocery, entertainment etc)

Quick Figures:

Annual Fee INR 499
Annual Bonus Gift vouchers worth INR 8250
APR 40.2%
Minimum Requirements Salaried employee

The Yatra SBI card is a good choice for people on the road since it caters to all types of needs that a person might encounter during the course of his/her travel. Nonetheless, the only demerits of this card are are the unavailability of international airport lounge access and golf privileges.

BPCL SBI Credit Card (For Fuel)

The BPCL SBI Credit Card offers a 4.25% value back on every transaction up to INR 4,000. With this card, you can save up to 70 litres of fuel by swiping your card at any of the 1200 Bharat petroleum petrol stations across India. The 1% Fuel Surcharge Waiver is, however, capped at INR 100 every month. With 4 reward points, you can get INR 1 worth of fuel. The monthly Fuel Freedom is capped at INR 10,000 a month.

Pros & Cons:

Reasons to Choose Reasons to avoid
13X Rewards o  Fuel No premium services such as golf privileges
Reward points on grocery, dining, movies and departmental stores No airport lounge access
A welcome gift worth INR 500 High APR
Rewards on Utility Payments

Rewards/Benefits:

  • Activation Bonus Reward points worth INR 500.
  • At BPCL petrol pumps, you get 13X rewards.
  • 5 Reward points on spending INR 100 at grocery stores, departmental stores, movies dining and utility payments.
  • Save 70 litres of fuel every year.

Quick Figures:

Annual Fee INR 499
Annual Bonus 2000 bonus reward points
APR 40.2%
Minimum Requirements Salaried employee

The BPCL card offers the best rewards rate at 4.25% savings on fuel and savings worth 70 litres fuel every year. The only disadvantage is that the rewards can be earned only at Bharat Petroleum pump.

TATA STAR Platinum Credit Card (For Fuel and Cash back)

The TATA STAR Platinum Card is a great card when it comes to a 0% Fuel Surcharge Waiver. Additionally, it offers welcome benefits and anniversary benefits worth INR 6,500. Also, this TATA STAR card offers value back at STAR and TATA outlets. The reward points offered on spending INR 100 on this card is also great. However, this card comes with a higher annual fee. Aso, you get access to complimentary airport lounges with this credit card.0

Pros & Cons:

Reasons to Choose Reasons to avoid
Welcome benefit No premium services such as golf privileges
Cash back on Croma and Tata outlets High APR
Airport Lounge Access
Rewards

Rewards/Benefits:

  • 0% Fuel Surcharge Waiver
  • 8 visits to airport lounge in the entire year.
  • Balance Transfer
  • Flexi Pay and Easy money
  • Welcome and anniversary vouchers worth INR 6,500
  • Milestone voucher worth INR 3,000

Quick Figures:

Annual Fee INR 2,999
Annual Bonus INR 9,500
APR 40.2%
Minimum Requirements Salaried employee

The SBI Tata Star credit card is not only good for savings on fuel, but also provides safety. Additionally, the rewards rate of this Platinum Card is also impressive. The value back or cash back at Croma and Tata outlets is a unique feature of this card.

SBI SimplySAVE Credit Card (Entry-level card for everyday needs)

The best SBI credit card for the middle class to satisfy their everyday needs of dining, grocery spends, movies and departmental stores, while paying a low Annual Fee is the SBI SimplySAVE Credit Card. This card takes care of all your daily needs. It also provides a 1% Fuel Surcharge Waiver at all petrol pumps. For an annual Fee of INR 499, this credit card is a complete package for a first-time credit card user or people who have just started their careers.

Pros & Cons:

Reasons to Choose Reasons to avoid
Low Annual Fee No premium services
Rewards in a broad range of categories No cash back on your spends
Balance Transfer, FlexiPay, Easy Money features High APR
Fuel Surcharge Waiver

Rewards/Benefits:

  • 2000 Bonus points on joining
  • 10 reward points on every INR 100 spent on dining, movies, grocery
  • 1 reward point on other categories
  • 1% Fuel Surcharge Waiver
  • Annual Fee waived off on meeting annual spend requirement of INR 90,000.

Quick Figures:

Annual Fee INR 499
Annual Bonus 2000 bonus reward points 
APR 40.2%
Minimum Requirements Salaried employee

The SBI SimplySAVE Credit Card is one of the best in the range of credit cards offered in this segment. Since it covers a broad range of categories for rewards and comes with a very low annual fee, it is an ideal card to consider for people who need an entry-level card for fulfilling their needs.

Bottom Line

Each of the 5 credit cards listed above serves a unique purpose. To sum up, the SBI SimplySAVE card is the best card for people desiring to possess a credit card with a low annual fee while simultaneously serving all their daily needs. The SBI Elite card, however, is the best credit card which takes care of your luxury needs. Furthermore, the Air India SBI Card is a great option in the travel category. However, SBI Yatra Credit Card could also be an option. For lifestyle needs, SBI Prime Card is a clear winner whereas, for fuel, it is BPCL SBI Card.

To know more about all SBI credit cards, please visit this page.

FinTown Advantage:  We provide unbiased personal finance advice to help people make the best possible financial decisions. Our reviews and ratings of financial products are determined by customer financial wellbeing and not profiteering. Whether or not we make a penny, we do what is best for the customer. Our research team is made up of economists and market researchers who spend hundreds of hours researching and comparing products with the same mission in mind.

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