5 Best SBI Credit Cards in India
Introduction
SBI credit cards have a diverse range of features and benefits that make them some of the best in India. We have created this article to look at five of the best SBI credit cards based on different needs and spending habits.
Fee Structure
| Product | Joining Fee | Annual Fee |
|---|---|---|
| SBI Card Elite | Rs 4999 + taxes | Rs 4999 + taxes |
| SBI Card Prime | Rs 2999 + taxes | Rs 2999 + taxes |
| SBI Card PULSE | Rs 1499 + taxes | Rs 1499 + taxes |
| Yatra SBI Card | Rs 499 + taxes | Rs 499 + taxes |
| SimplyCLICK SBI Card | Rs 499 + taxes | Rs 499 + taxes |
SBI Card Elite
The SBI Card Elite is one of India’s best SBI credit cards. Many benefits and features make it an excellent choice for personal and business use.
Some of the key benefits include:
SBI Card Elite
- You can avail welcome e- Gift Voucher worth Rs 5,000
- Free Movie Tickets worth Rs. 6,000 every year
- You will earn up to 50,000 Bonus Reward Points worth Rs. 12,500/ year
- You will be entitled to a complimentary membership to the Priority Pass Program worth $99
- You can avail of 2 complimentary Domestic Airport Lounge visits every quarter in India.
- You will have a wonderful time enjoying the complimentary Club Vistara Silver membership.
- There is more. You will enjoy complimentary Trident Privilege Red Tier membership.
- Your SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage.
The card also offers a good rewards program and comes with a EMV chip for added security. However, there are some downsides to the SBI Card Elite. We can think of only 1 downside of this card. And that is its high annual fees.
Overall, the SBI Card Elite is an excellent choice for those who are looking for a comprehensive credit card with many features and benefits.
| Product | How to Apply | |
|---|---|---|
| SBI Card Elite Top of the line credit card
| Click here !! |
SBI Card Prime
Since its launch in India, SBI Card Prime has always been one of the most premium credit cards. There are various benefits, including easy approval, milestone benefits, lounge access, fee waiver on spending, etc.
SBI Card Prime
- Welcome e-gift Voucher worth Rs 3,000
- Enjoy complimentary Trident Privilege Red Tier Membership
- Enjoy Complimentary Club Vistara Silver membership
- You will enjoy 4 complimentary visits per calendar year to International Priority Pass Lounges outside India (max. 2 visits per quarter)
A significant feature that I like about this card is reward points redemption. As a travel and reading enthusiast, I have subscriptions to Reader’s Digest & Conde Nast Traveller. The range of options is simply outstanding.
If you are looking for a credit card that offers excellent value for money, the SBI Card Prime is an excellent option.
| Image | Product | How to Apply |
|---|---|---|
| SBI Card Prime Premium card from SBI
| Click here !! |
SBI Card PULSE
The SBI Card PULSE is a new entry from the State Bank of India. SBI already has credit cards for different segments like Lifestyle, Travel, Shopping, and Fuel. The health segment is on boom these days.
You can view some of the features on this card:
SBI Card PULSE
- You will get a Noise ColorFit Pulse Smart Watch worth Rs 4,999 on payment of the joining fee
- Enjoy 1-year complimentary FITPASS PRO Membership, to be received every year on card renewal
- Enjoy 1-year complimentary Netmeds First Membership, to be received every year on card renewal
- Waiver of Renewal Fee on annual spends of Rs 2 Lakhs
- Complimentary 8 Domestic Lounge visits (Restricted to 2 per quarter)
- Complimentary Priority Pass Membership worth the US $99 for the first two years of cardholder membership
The highlighting feature of this card would definitely be the Noise ColorFit Pulse Smart Watch worth Rs 4,999. You will get this watch right after the payment of the joining fee. It’s a unique approach for a welcome gift that we have not seen before.
Other features include complimentary FITPASS PRO membership. You will continue to avail of this membership as long as you keep renewing the card. Also, there is a similar membership for Netmeds too. And the cherry on the cake is the complimentary domestic lounge visits.
If you are looking for a credit card that can assist you in your health journey, this is the best card you can have !!
| Image | Product | How to Apply |
|---|---|---|
 | SBI Card PULSE Best card for fitness enthusiasts
| Click here !! |
Yatra SBI Card
Yatra SBI Card is one of the popular travel credit cards in India. Many benefits and features make it an excellent choice for Indian consumers.
We don’t find any credit card in the Indian market that can serve welcome benefits worth Rs 8250. This gift comes in the form of e-vouchers from Yatra, a well-known travel portal. Additionally, if you book tickets from Yatra, you can avail of air accident cover worth Rs 50 lakhs.
Yatra SBI Card
- You will get Yatra.com vouchers worth Rs 8,250 on joining
- Complimentary Air Accident cover of Rs 50 Lakhs
- Enjoy freedom from paying a 1% fuel surcharge across all petrol pumps in India.
- 6 Reward Points on every Rs 100 spent on Departmental Stores, Grocery, Dining, Movies, Entertainment
A 1% surcharge on all fuel transactions sweetens the experience. This card will help you earn reward points on the spending on grocery, dining, departmental stores, movies, etc.
Overall, the Yatra SBI Card turns out to be a fascinating travel credit card. Since its induction, it has been popular, and it will continue top-of-the-line credit cards for the travel segment.
| Image | Product | How to Apply |
|---|---|---|
| Yatra SBI Card Popular travel card from SBI
| Click here !! |
SimplyCLICK SBI Card
It is one of the best credit cards for individuals who want to start their financial journey. This card helps you earn 10X rewards on online transactions with the major brands – Netmeds, Lenskart, BookMyShow, Amazon and many more.
The exciting feature of the card is that you will earn 5X rewards on any other online spending. This is simply awesome !!
SimplyCLICK SBI Card
- You can enjoy an Amazon gift card worth Rs 500 on joining.
- You will earn 10X rewards on online spends with exclusive partners- Amazon / Apollo24X7/ BookMyShow / Cleartrip / Eazydiner/ Lenskart / Netmeds
- An e-voucher worth Rs.2,000 on annual online spending of Rs 1 Lakh.
- You can avail 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000
- Spend Rs 1,00,000 and get an annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
Being a basic card, it has been designed very well. This card has an attractive design with green-coloured abstract markings on a deep green background. It’s issued on the Visa and MasterCard platforms and is enabled for contactless payments.
Overall, SimplyCLICK SBI Card is an ideal credit card for individuals who do frequent online shopping. From time to time, e-commerce portals come up with a sale, and this card can be used to its full potential during that period. You will not find a better online shopping card that gives you better reward points across any merchant.
| Image | Product | How to Apply |
|---|---|---|
| SimplyCLICK SBI CardMost exciting card for Online Shopping
| Click here !! |
Which card is best for you?
Many different SBI credit cards are available in India, so it can be challenging to decide which one is best for you. Always there are a few factors that you can consider to help you choose the right card.
Think about what type of spender you are
If you are a big spender, you may want to get a card with a high credit limit. If you are a small spender, you may want to get a card with a lower credit limit.
Think about what kind of rewards you would like to receive
Some SBI credit cards offer cash back or points that can be redeemed for travel or other purchases. Choose a card that offers rewards that appeal to you.
Consider any particular features you may want in a credit card
For example, some SBI credit cards offer 0% APR for an introductory period. Others come with no annual fee. Consider your needs and choose a card accordingly.
Compare the different SBI credit cards and choose the one that offers the best overall value
You will have to consider the interest rate, fees, credit limit, and rewards each card offers before deciding.
Conclusion
SBI Credit Cards have a whole range of benefits to offer customers. They are perfect for those looking for a credit card that offers excellent value for money. Whether you are looking for a credit card with low-interest rates, great rewards, or extensive perks, SBI has a credit card that will suit your needs. The 5 best SBI credit cards in India provide different features and benefits, so choose the one that best suits your needs.
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FAQs
What is the best SBI credit card in India?
The best SBI credit card in India is the SBI Elite Credit Card. This card offers a wide range of benefits, including cashback, discounts, and exclusive privileges. It also comes with a complimentary membership to the SBI Elite Club
How can I get an SBI credit card?
You can apply for an SBI credit card online or at your nearest branch. To apply online, you will need to fill out an application form and submit it along with the required documents. There is one more approach that you can take. You can visit your nearest branch and apply for a card.
How to apply for a SBI credit card?
You can apply for an SBI credit card online or at your nearest branch. To apply online, you will need to fill out an application form and submit it along with the required documents. There is one more approach that you can take. You can visit your nearest branch and apply for a card.
What are the eligibility criteria for an SBI credit card?
To be eligible for an SBI credit card, you must be aged 18 years or above and have a regular source of income. Other requirements are good credit history and valid ID proof.
