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Description
The State Bank of India (SBI), India’s largest public sector bank, continues to enhance its suite of credit card offerings in 2025 to cater to the diverse financial needs of its customers. SBI credit cards are known for their affordability, wide acceptance, and value-added features. From cashback benefits to travel perks and fuel savings, SBI credit cards offer solutions tailored to varied lifestyles and spending habits.
This comprehensive guide provides a detailed overview of SBI credit cards in 2025, including their features, types, application process, eligibility criteria, and benefits. Let’s explore why SBI credit cards remain a preferred choice for millions of Indians.
Key Features of SBI Credit Cards in 2025
- Wide Variety of Cards SBI offers a diverse range of credit cards, catering to different customer segments, such as shopaholics, travelers, fuel spenders, and frequent diners.
- Global Acceptance SBI credit cards are accepted worldwide at millions of outlets and online platforms, ensuring seamless transactions for domestic and international users.
- Attractive Rewards Program Earn reward points on every transaction, which can be redeemed for travel bookings, shopping vouchers, or direct discounts.
- Contactless Payments Equipped with the latest contactless technology, SBI credit cards enable quick and secure tap-and-pay transactions for purchases.
- EMI Conversion Convert high-value transactions into easy EMIs with flexible tenure options to manage your finances better.
- Fuel Surcharge Waiver Save on fuel expenses with a surcharge waiver at partnered fuel stations across India.
- Complimentary Insurance Many SBI credit cards come with insurance benefits, such as travel accident coverage, air accident insurance, and fraud liability cover.
- SBI Card Mobile App Manage your card with ease using the SBI Card app, which provides real-time updates on transactions, payments, rewards, and more.
Popular SBI Credit Cards in 2025
SBI offers a variety of credit cards to suit the diverse needs of its customers. Here are some of the most popular SBI credit cards in 2025:
1. SBI SimplySAVE Credit Card
- Features:
- 10x reward points on dining, movies, and groceries.
- Annual fee reversal on spending above ₹90,000 annually.
- 1% fuel surcharge waiver.
- Best For: Everyday spending.
2. SBI SimplyCLICK Credit Card
- Features:
- 10x reward points on online spends with partnered merchants.
- Exclusive e-voucher worth ₹500 on annual spending of ₹1 lakh.
- Annual fee waiver on spending ₹1 lakh annually.
- Best For: Online shoppers.
3. SBI Card ELITE
- Features:
- Complimentary access to airport lounges.
- Premium benefits on travel, dining, and entertainment.
- 2 reward points on every ₹100 spent.
- Best For: Premium users.
4. BPCL SBI Card OCTANE
- Features:
- 7.25% value back on fuel purchases at BPCL outlets.
- 6,000 bonus reward points as a welcome gift.
- Annual fee waiver on spending ₹1.5 lakh annually.
- Best For: Fuel spends.
5. SBI IRCTC Premier Credit Card
- Features:
- Up to 10% value back on railway bookings through the IRCTC website.
- Complimentary travel accident insurance.
- Reward points redeemable against IRCTC transactions.
- Best For: Frequent train travelers.
6. SBI Cashback Card
- Features:
- 5% cashback on online spends.
- No capping on the total cashback earned.
- Zero annual fee for the first year.
- Best For: General-purpose spending.
Eligibility Criteria for SBI Credit Cards
To apply for an SBI credit card in 2025, applicants need to meet the following eligibility requirements:
- Age
- Minimum age: 21 years
- Maximum age: 65 years
- Income
- Salaried individuals: Minimum monthly income of ₹25,000.
- Self-employed individuals: Minimum annual income of ₹3 lakh as per IT returns.
- Credit Score
- A credit score of 700 or above is typically required for approval. A higher score increases the chances of approval and better offers.
- Employment Status
- Salaried or self-employed individuals with a stable source of income are eligible.
- Nationality
- Applicants must be Indian citizens or Non-Resident Indians (NRIs) with a valid Indian address proof.
Documents Required for SBI Credit Cards
Applicants need to submit the following documents while applying for an SBI credit card:
- Identity Proof (Any one of the following):
- Aadhaar Card
- Passport
- Voter ID
- Address Proof
- Utility bills (electricity, water, etc.)
- Rent agreement
- Passport or Aadhaar Card
- Income Proof
- Salaried individuals: Salary slips for the last three months or Form 16.
- Self-employed individuals: IT returns, profit and loss statements.
- Photographs
- Recent passport-sized photographs.
- PAN Card
- Mandatory for all applicants.
How to Apply for an SBI Credit Card in 2025
SBI provides a seamless application process for its credit cards, both online and offline.
1. Online Application
- Visit the SBI Card official website or mobile app.
- Browse through the list of available credit cards and select one based on your needs.
- Click on “Apply Now” and fill out the application form with personal, professional, and financial details.
- Upload the required documents and submit the application.
- Once verified, the card is dispatched within 7-10 working days.
2. Offline Application
- Visit the nearest SBI branch or authorized partner location.
- Request the credit card application form and provide the necessary documents.
- A bank representative will guide you through the application process.
SBI Credit Card Fees and Charges
- Joining Fee
- Ranges from ₹500 to ₹4,999, depending on the card variant.
- Annual Fee
- Starts at ₹500 and may be waived based on annual spending thresholds.
- Interest Rate
- Finance charges range between 3.35% and 3.5% per month (40.2% – 42% annually).
- Cash Advance Fee
- 2.5% of the withdrawn amount or a minimum of ₹500.
- Late Payment Fee
- Ranges from ₹200 to ₹1,300, depending on the outstanding amount.
- Overlimit Fee
- 2.5% of the over-limit amount or a minimum of ₹500.
- Foreign Transaction Fee
- 3.5% of the transaction amount for international transactions.
Benefits of SBI Credit Cards
- Reward Points and Cashback
- Earn reward points on every transaction, which can be redeemed for various benefits, including flight bookings, merchandise, and statement credit.
- Complimentary Lounge Access
- Many premium SBI credit cards provide complimentary domestic and international airport lounge access.
- Fuel Savings
- Save on fuel with surcharge waivers and additional cashback on fuel transactions.
- EMI Conversion
- Flexibility to convert large purchases into manageable monthly installments.
- Security Features
- Advanced security features, such as OTP-based transactions, two-factor authentication, and fraud liability coverage, ensure safe usage.
- Offers and Discounts
- Enjoy exclusive deals on dining, travel, shopping, and entertainment through SBI’s extensive network of partners.
Tips for Managing Your SBI Credit Card
- Pay Bills on Time
- Avoid late fees and maintain a good credit score by ensuring timely payments.
