SBI Card: All Credit Cards by SBI in India

State Bank of India’s credit card arm, SBI Card, offers a wide range of credit cards tailored to diverse customer needs. 

The cards are offered in co-branded and proprietary variants, using Visa, Mastercard, American Express, and RuPay networks. With features like reward points, cashback, balance transfer, contactless payments, and seasonal offers, SBI Card aims to blend convenience and value across income levels. 

Documents required and eligibility criteria vary by card, but commonalities include identity/KYC proofs and a good credit history. Recent policy changes and benefits devaluations (e.g. withdrawal of certain insurance covers) reflect SBI Card’s changing portfolio and focus. 

Best Credit Cards by SBI Card

SBI Card Credit Card Features & Benefits

SBI Card credit cards offer features that cater to rewards, convenience, travel, lifestyle, and digital usage. Customers enjoy reward points or cashback programs; travel benefits like lounge access; tools like balance transfer, EMI conversion; contactless and digital payment features; and co-branded privileges. 

Benefits are often boosted by welcome gifts or milestone spends. However, SBI has recently revised some benefits, like  withdrawing complimentary air accident insurance from select variants, according to The Economic Times. 

• Reward Points & Cashback: Earn bonus RP or high percent cashback on categories like online shopping, dining, movies, and groceries.
• Lounge Access: Domestic/international lounge visits for premium cards like Elite and Prime.
• Fuel & Co-brand Savings: Cards like BPCL SBI Octane give high return on fuel; co-branded cards like Flipkart SBI give partner-specific perks.
• Flexible Payments & EMI / Balance Transfer: Option to convert large purchases to EMI and transfer other card balances to SBI for lower interest. 
• Digital and Contactless Features: Contactless cards, app-based management, scan & pay, utility auto-pay options.

Top SBI Card Credit Card Reviews

From what I’ve seen and heard, SBI Card users generally appreciate the strong reward structure and recognisable co-brand partnerships. 

There’s envy for the premium benefits on the Elite and Prime cards, respect for high cashback value on daily spends, but also frustration when annual fees feel too steep or when perks quietly get trimmed. The 2025 revision of accident insurance benefits caused a noticeable stir. 

Still, many regular spenders praise the reliability of BPCL and Flipkart variants for consistent savings, proof that practical value often beats prestige in this space.

Card Against FD by SBI Card

SBI Card offers FD-backed credit cards, such as SBI Unnati, where you can secure a credit card by placing a fixed deposit. 

These are perfect for those building credit: students or newcomers to formal credit. Lower or zero annual fees initially and reward accrual from day one make them attractive. 

The FD acts as collateral. I’ve personally seen friends start with Unnati and graduate to Prime within two years once their scores improved. 

SBI Card Credit Card Rewards, Cashback & Offers

• Reward points accrue per eligible spend. Cards like SimplyCLICK, Elite, and Prime offer accelerated points in target categories.
• Cashback SBI Card gives 5% online and 1% offline cashback, subject to caps and exclusions.
• Seasonal campaigns like “Khushiyan Unlimited” bring merchant-funded vouchers up to ₹20,000 and lounge access rewards.
• From September 1, 2025, digital gaming platform spending and government transactions will no longer earn reward points on select cards. 

SBI Card Credit Card Eligibility Criteria

To qualify, you’ll need to be an adult with a steady income and a decent credit history. Salaried, self-employed, and pensioners can all apply; the exact limits change with the card tier. For instance, premium cards expect higher monthly income than starter ones.

• Minimum age: around 21 years (some 18+ for FD-backed cards).
• Maximum age: up to 60–70, depending on the variant.
• Occupation: Salaried, self-employed, or pensioner.
• Income: Minimum income criteria differ; premium cards expect higher thresholds.
• Good credit history: required; no major defaults 

Documents Required for SBI Credit Card

Common documents include:

• PAN card copy
• Aadhaar card or other address proof (with masking as per guidelines)
• Income proof: Salary slips, IT returns, or bank statements, depending on applicant type.
• ID proof such as a passport, voter ID, or driver’s license (especially if not using Aadhaar).
• Recent passport-sized photograph.

How to Apply for SBI Credit Cards? 

Applying is simple:

1. Visit sbicard.com or the mobile app.
2. Compare cards, check eligibility, then choose “Apply Now.”
3. Fill in personal and income details.
4. Upload KYC and income documents.
5. Wait for verification and credit check. Some cards even provide instant decisions.
6. Once approved, your card is dispatched and can be activated on receipt.

SBI Credit Card Application Status

To track your SBI Card application status, use the “Track Application” option on SBI Card’s website with your application number. You can check here. 

How to Activate SBI Credit Card? 

Once your card arrives, you can activate it via phone call, app, website, or SMS-based flow, depending on card type. Follow instructions from the welcome kit carefully, set your PIN, sign your card back, and you’re ready to go.

SBI Card Login / Netbanking Access

For complete control, log in to your account at sbicard.com or use the official mobile app. 

You can view statements, redeem rewards, make payments, convert spends to EMI, and track offers. If linked with SBI’s primary net banking, limited integration exists for viewing transactions.

SBI Card Credit Card Customer Care

Need help? The toll-free numbers on the website are your go-to. You can also raise requests via email or app chat. 

Here are the SBI Card Helpline Numbers: 

• 39 02 02 02 (prefix local STD code) 
• 1860 180 1290 /1800 180 1290.

Keep your customer ID or card number handy when calling for faster resolution. Social handles and FAQs are also quite responsive nowadays: it’s far better than the old “press 1, press 9” maze days.

SBI Card Recent Devaluations & Discontinuation

• From August 11, 2025, SBI discontinued complimentary air accident insurance across many variants, including Elite and Prime (Source).
• From September 1, 2025, SBI removed reward points for digital gaming and government transactions (Source).
• Reward multipliers on certain co-branded variants such as Air India SBI Cards have also come down, which disappointed frequent flyers.

SBI Card Latest News & Updates

• “Khushiyan Unlimited” 2025 festive campaign featured 1,250+ offers and free international lounge access for select users (Source).
• Q1FY26 financials showed a 6.4% YoY drop in profit, mainly due to higher impairments and bad debt (Source).
• New domestic lounge access program by SBI Card goes live in January 2026. 

SBI Card Domestic Lounge Status

Elite and Prime cards currently provide complimentary domestic lounge access, up to eight visits per year for Elite and a few fewer for Prime. These are usually quarterly limited. 

Frequent travelers should double-check terms since quotas can reset each quarter and depend on the card network. SBI has recently divided its credit cards into two sets and is providing domestic lounge access accordingly. 

For more information, check this latest article about the SBI Card domestic lounge access changes in India. 

FAQs about SBI Card Credit Cards

Q: What is the joining/annual fee for SBI Card Elite & Prime?

A: Elite costs ₹4,999 + taxes yearly; Prime ₹2,999 + taxes. Both offer spend-based fee waivers.

Q: Can I get an SBI credit card without a strong credit history?

A: Yes, FD-backed cards like SBI Unnati are designed for that. Start small, build your score, and move up.

Q: How do I redeem SBI Card reward points or cashback?

A: Log in to SBI Card app/website → Rewards → Redeem points for vouchers, travel credits, or statement adjustments. Cashback cards apply credits automatically on billing.

Q: How many lounge visits do Elite and Prime cards offer?

A: Elite: around 8 domestic visits/year (plus some international). Prime slightly fewer. Always check the updated domestic lounge status on this page for specific SBI credit cards. 

Q: Are the rewards or insurance benefits permanent on SBI credit cards?

A: Not really. SBI can change them. Air accident insurance and certain rewards were removed in 2025, showing these are subject to review. Always read policy updates.

My Personal Take on SBI Cards

I grew up in a town where credit cards were something people whispered about as if they were traps. My first card wasn’t for shopping sprees; it was for paying an international software bill. Since then, I’ve learned that credit cards are only as dangerous as our discipline. 

I maintain a small set of cards and prefer cashback over inflated reward catalogs. Today, if I had to pick from SBI’s line-up for my lifestyle, I’d go with a middle-ground card like SimplyCLICK: steady online returns, low stress, and transparency about fees.

The noise online can be overwhelming, but what matters is fit. Don’t get carried away by premium cards just for the tag: choose the card that complements your spending rhythm.