Looking to apply for an SBI Credit Card? Well, it’s not a big deal! One can easily apply for an SBI Credit Card online just by visiting the official website of SBI Card. Credit Cards have become a basic entity in every individual’s life in this digital era. One need not use cash in physical form if they have a credit card in their wallet. Using a credit card, customers can avail of lots of benefits like quick payments, buy now, pay later provision, ease of improving credit score, exclusive discounts, and cashback benefits, etc. If you don’t have a credit card, SBI provides a wide array of credit card types for every individual based on their eligibility criterion. If you’re planning to apply for an SBI Credit Card, you can find out the basic requirements, types of SBI Credit cards, and more in this article. Have a look!
Types of SBI Credit Cards
State Bank of India is a widely popular nationalized bank in the nation that offers a wide array of banking and financial services. Some of the beneficial banking services offered by SBI to its customers include debit cards, credit cards, bank loans, and a lot more. SBI provides a debit card automatically to its customers who open a fresh account in any of the branches. But, it’s not the same in the case of credit cards. People who fulfill the eligibility criteria and those who are in the need of a credit card can apply for a Credit Card.
SBI offers a wide variety of credit card types to its customers. Each type of SBI credit card will have its benefits and features. For example, Some of the SBI credit cards will be beneficial for those who are looking for fuel benefits, travel benefits, etc. Some of the SBI Credit Cards come with exclusive reward points for online shopping or offline shopping. Depending on lifestyle customers can choose the SBI Credit Card. We’ve compiled a list of different Types of SBI Credit Cards offered to its customers. Check it out!
1. Simply CLICK SBI Credit Card
Simply CLICK SBI Credit Card is a perfect card for those who love shopping. With huge rewards, exclusive benefits, fuel surcharge waiver benefits, bill payments, and more, Simply CLICK is a great choice for online purchases. It’s a beneficial credit card for online shopping.
2. SimplySAVE SBI Credit Card
SimplySAVE SBI Credit Card is beneficial for all the shopping lovers out there. If you’re a frequent shopper then, it’s the right credit card that comes with a variety of benefits. Customers can get massive rewards upon watching movies, dining, shopping, and more using this credit card.
3. BPCL SBI Credit Card
BPCL is a beneficial credit card from SBI for people who spend so much on fuel on an everyday basis. BPCL SBI Credit Card comes with a slew of privileges for cardholders that include value back benefits, reward points, fuel freedom benefits, and more.
4. FBB SBI STYLEUP Credit Card
FBB SBI STYLEUP Credit Card is an international credit card that comes with a plethora of shopping benefits and features. Through this credit card, customers can make huge savings on their fashion purchases at FBB. This credit card offers special privileges such as huge discounts, gift vouchers, fuel surcharge waivers, and reward points on dining, shopping, etc.
5. Yatra SBI Credit Card
If you’re an avid traveller then, Yatra SBI Credit Card is an ideal card. All frequent travelers can utilize the exceptional travel benefits and privileges offered by Yatra Credit Card. The cardholders can avail of huge discounts on flight bookings, reward points on the purchase of goods at departmental stores, dining, movies, and more.
6. Air India SBI Platinum Credit Card
Air India SBI Platinum Credit Card is another beneficial travel-based card that earns huge reward points to cardholders. Customers can get premium card benefits like complimentary memberships, huge reward points, fuel surcharge waivers, global acceptance, etc.
7. SBI Elite Credit Card
SBI Elite Credit Card is a premium and lifestyle card that provides 5 times reward points on dining, shopping, and other purchases. Customers can get complimentary global and local airport lounge access through this credit card. Cardholders can get memberships at Club Vistara and Trident Privilege.
8. IRCTC SBI Platinum Credit Card
In partnership with IRCTC, SBI has launched this IRCTC SBI Platinum Credit Card. This card comes with exclusive platinum privileges, reward benefits, travel benefits, and more. This co-branded credit card provides value-back benefits to cardholders upon purchasing tickets for train journeys.
9. Mumbai Metro SBI Credit Card
Mumbai Metro is another travel-based credit card for those who travel on Mumbai Metro trains frequently. The cardholders can avail of the maximum benefits and huge discounts through the card. In addition, customers can get rewards for grocery shopping at various stores.
10. STYLEUP Contactless Credit Card
SBI STYLEUP Contactless Credit Card offers an upfront discount on the purchase of various items at Big Bazaar and FBB outlets. Customers can avail of gift vouchers and fuel surcharge waiver benefits through this card. As the name suggests, through this card, customers can perform contactless transactions with much ease.
These are the different Types of SBI Credit Cards available to SBI customers based on their requirements.
SBI Credit Card Eligibility Criteria
Before applying for an SBI Credit Card, the customers must meet certain SBI Credit Card Eligibility guidelines. The basic eligibility criteria to apply for an SBI Credit Card include age, citizenship, employment status, etc. We have mentioned the crucial eligibility factors that play a vital role in the issuance of a credit card. Check it out!
Age
The applicant’s age should be a minimum of 21 years and a maximum of 60 years. If you want to apply for any type of SBI Credit Card, your age must be between 21 and 60 years.
Income
Individuals seeking to apply for a credit card must have a regular income. However, the income criteria depend on the type of credit card you choose to apply from SBI. Applicant can be either a salaried individual or self-employed. The SBI Credit Card Apply Minimum Salary of an individual to apply for any SBI Credit Card must be Rs. 18000 per month. For this, the applicants must submit their salary statement for the last 3 months.
Credit Score
Applicants must maintain a decent credit score to become eligible for the SBI Credit Card. The credit history and credit score of the applicants will play a crucial role in the credit card application. The credit score that the applicant should maintain to avail of a credit card depends on the type of credit card. To apply for an SBI Credit Card, the customers must maintain a credit score of 700.
Nationality
The applicant should be a citizen of India.
Make sure you meet the aforementioned SBI Credit Card Eligibility rules before applying for the SBI Credit Card.
How to Apply For SBI Credit Card?
Wondering How to Apply For SBI Credit Card? Individuals can easily apply for an SBI Credit Card online i.e., through the official website. SBI allows its customers to apply for a credit card through a paperless application procedure. Before heading out to apply for the SBI Credit Card, ensure your eligibility criteria, required documents, and more. Follow the simple steps furnished below to apply for the SBI Credit Card through the official website of SBI Card.
- Initially, visit the official website of SBI Card i.e., at sbicard.com.
- On the home page of the website, you can find a series of tabs on the top of the page.
- Click on the credit cards tab and you will be redirected to a new page wherein you can find a slew of credit cards list.
- Select your preferred SBI Credit Card based on your requirements.
- Click on the ‘Apply Now’ button below the credit card you’ve chosen.
- You will be redirected to a new webpage wherein you can find the SBI Credit Card Application Form.
- You will be asked to enter your details in the provided fields of the application form.
- After filling in the personal information, your phone number will be verified.
- Hit the ‘Submit’ button.
- Based on the details submitted in the application form, you can find out whether your application is approved or not immediately.
- Once your application is approved, the same will be shown on the screen.
- For further verification procedures, the corresponding SBI Card authorities will contact you via your mobile number.
- After the completion of the verification, SBI Card will issue the SBI Credit Card of your choice.
- During the application procedure, you will be given an application ID that can be utilized to track the application status.
- Using the Application Number/Reference Number, the customers can track the status of their SBI Credit Card application online.
That’s all! This is the simple procedure to apply for the SBI Credit Card online. In case, you don’t have internet provision then, you can apply for an SBI Credit Card by visiting the nearest SBI bank branch.
Benefits of Having SBI Credit Card
SBI Credit Cards come with great privileges and several benefits. Though the benefits may vary from card to card, cardholders can enjoy accessing the advantages of various credit cards in their day-to-day usage. The Benefits of Having SBI Credit Card are curated below. Check it out!
Quick Bill Payments
SBI Cardholders can pay a variety of utility bills such as electricity bills, water bills, landline bills, etc., using an SBI Credit Card. Through the SBI Credit Card features such as Fast Pay, Register & Pay, and Auto Pay, cardholders can easily pay their bills at great ease.
Earn Reward Points
Almost all types of SBI Credit Cards allow its customers to earn exclusive reward points upon purchasing goods at various stores, dining, entertainment, bill payments, etc.
Low-Interest Rates
SBI allows its customers to transfer their outstanding balances from other credit cards to SBI Card at a lower rate of interest. The cardholders can easily convert their transactions into easy EMIs.
Easy Accessibility
SBI Credit Cardholders can easily access their credit cards anytime, anywhere online. Customers can access their credit cards through various channels such as SBI Card mobile app, SBI Card website, etc.
SBI Encash Provision
Customers can utilize the SBI Encash facility to meet their financial requirements. Through this provision, the cardholders can get encash up to or above their credit limit. With this facility, cardholders can get funds transferred within 48 hours.
Contactless Payments
With SBI Credit Cards, cardholders can make quick and instant contactless payments. With just a tap of your credit card, you can make easy payments anytime, anywhere.
Insurance Cover
SBI Credit Cardholders can select an insurance cover from 3 different types of insurance cover provided by SBI Card authorities. Customers can get insurance coverage for card loss, accidents, health problems, credit card theft, etc.
Final Words
That’s all! This is everything you need to know about the SBI Credit Card and the procedure to apply for the SBI Credit Card. Through this article, we have covered vital information such as the types of SBI Credit Cards, eligibility rules, benefits, and features of SBI Credit Card, etc. Do you have any doubts about this article? If so, let us know in the comments section. Visit our website frequently to learn more about SBI banking services, government-related schemes, etc.
1. Is SBI Giving Credit Card Free?
Yes, SBI Card provides a free credit card i.e., with zero annual fees for existing customers. Through the SBI Lifetime Free Credit Card, cardholders can enjoy unlimited benefits. However, the cardholders must maintain a decent balance of Rs. 20000 to Rs. 25000 in their SBI accounts to become eligible for this card.
2. Can I Get SBI Credit Card With a 15000 Salary?
The minimum salary requirement to avail of an SBI Credit Card is Rs. 18000. However, the income requirements may differ from one card to another card depending on the card’s features. If the applicant meets all the eligibility criteria, individuals with a salary of Rs. 15000 per month may be eligible for the credit card.
