SBI Card offers several credit cards to match the varying customer needs and spending patterns. The benefits offered on these cards vary across certain categories such as shopping, fuel, travel, and also based on the type of value back offered such as rewards, cashback, and air miles. Choosing the right card among many such options could thus be confusing. For your help, we have listed some of the best SBI Credit Cards in India, along with their features and benefits. Based on these, you can shortlist the cards and check eligibility for SBI Credit Cards that offers benefits aligned with your needs and provides you the highest value back.
The top 7 SBI Credit Cards in India are as follows:
1. SBI Simply Save Credit Card
Joining Fee: Rs. 499 | Annual Fee: Rs. 499
If you are looking for an entry-level credit card with benefits inclined toward offline spends, then you can end your search with the SBI Simply Save Credit Card. The USP of this card is that it focuses more on ‘everyday’ categories like dining, movies, groceries, and departmental stores. Thus, if your card spends are inclined towards these categories, you can easily maximize the benefits.
Some key features of the SBI Simply Save Credit Card are as follows:
- 2,000 bonus reward points on spending Rs. 2,000 or more in the first 60 days
- 10 reward points for every Rs. 150 spent on dining, movies, groceries, and departmental stores
- 1 reward point for every Rs. 150 spent on other categories
- Annual fee reversal on spending Rs. 1 lakh in a year
2. Cashback SBI Credit Card
Joining fee: Rs. 999 | Annual Fee: Rs. 999
This credit card is the latest addition to the best cashback credit cards in India. The card is a suitable choice for people looking for all-rounder cashback benefits on online spends, as there are no merchant restrictions on earning cashback. If you are someone who uses your card frequently, especially for online shopping, you will be able to maximize the benefits of this card, easily.
Some key features of the Cashback SBI Credit Card are as follows:
- 5% cashback on all online spends
- 1% cashback on all offline spends
- Annual fee reversal on spending Rs. 2 Lakh in a year
- Monthly capping on cashback: Rs. 5,000 on all categories
3. IRCTC SBI Card Premier
Joining Fee: Rs. 1,499 | Annual Fee: 1,499
IRCTC SBI Card Premier is one among very few credit cards in India that offer benefits on railway travels. The card justifies the annual fee charged with varying benefits ranging from bonus reward points, value back on IRCTC ticket bookings, rewards on dining and utility bill payments, railway lounge access, etc. If you are someone who frequently travels within India, specifically via trains, this credit card can be the right pick for your travels.
Some key features of IRCTC SBI Card Premier are as follows:
- 1500 bonus reward points on payment of joining fee (1 reward point= Re. 1)
- 10% value back as reward points on ticket booking through the IRCTC app or website (on AC1, AC2, AC 3, AC CC)
- 3 reward points on every Rs. 125 spent on dining and utility payments (standing instructions)
- Annual fee waiver on spending Rs. 2 Lakhs
- Complimentary rail accident, air accident, and fraud liability cover
- Transaction charges waiver on railway and airline ticket bookings on IRCTC
- 8 complimentary railway lounge access in a year (2 per quarter)
4. BPCL SBI Card Octane
Joining Fee: Rs. 1,499 | Annual Fee: Rs. 1,499
BPCL SBI Card Octane is a co-branded fuel credit card that offers high value back on fuel purchases across BPCL petrol pumps. In addition to benefits on fuel, the card also offers lounge access and rewards on other categories, unlike other fuel credit cards. Maximizing savings is easy with this credit card, as the accumulated points can be redeemed at BPCL petrol pumps via the SBI rewards catalog. Thus, the card is highly suitable for you if you own a personal vehicle and fuel expenditures make up a considerable portion of your monthly expenses, and also if you prefer BPCL petrol pumps over others.
Some key features of BPCL SBI Card Octane are as follows:
- 6,000 bonus reward points on payment of the joining fee
- 7.25% value back on transactions at BPCL petrol pumps
- 25 reward points on every Rs. 100 spent at BPCL fuel, lubricants, and Bharat Gas spends
- 10 reward points on every Rs. 100 spent at dining, departmental stores, grocery, and movies
- 4 complimentary visits per calendar year to Domestic Visa lounges in India (1 per quarter)
- Milestone privileges on spending Rs. 3 Lakhs in a year
- 1% fuel surcharge waiver across all BPCL petrol pumps in India
5. Nature’s Basket SBI Card
Joining Fee: Rs. 1,499 | Annual Fee: Rs. 1,499
Grocery shopping marks up as an important and frequent expense in most of our day-to-day spends. Thus, the next card in the list of best SBI credit cards is this grocery shopping card-Nature’s Basket SBI Card. Offered as a co-branded card with benefits inclined towards Nature’s Basket, the card also extends reward benefits towards other categories. You can best utilize the benefits offered on this card if you are already a Nature’s Basket loyalist, or if you don’t mind becoming one and shifting from your preferred grocery shopping brand.
Some key features of Nature’s Basket SBI Credit Card are as follows:
- Nature’s Basket gift voucher worth Rs. 1,500 on payment of the joining fee
- Complimentary access to Nature’s Basket “Epicure” loyalty program
- 10 reward points on every Rs. 100 spent at Nature’s Basket
- 5 reward points for every Rs. 100 spent on Dining, Movies, Entertainment, and International spends
- Milestone benefits on annual spends of Rs. 3 Lakh
- Annual fee waiver on annual spends of Rs. 2 Lakh
- 4 complimentary lounge access to domestic visa lounges (1 per quarter)
6. Air India SBI Card Signature
Joining Fee: 4,999 | Annual Fee: Rs. 4,999
Air India SBI Signature Credit Card is another co-branded travel credit card in this list. With this premium travel card, along with Air India benefits, you also get rewards across other categories, lounge access, and Priority Pass membership. Thus, the high joining and annual fee charged is clearly justified. Also, since the rewards offered on this card can be converted into Air India Air Miles, for a 1:1 ratio, the card is a suitable choice for frequent travelers who prefer Air India. That way, you can easily make the best out of these benefits.
Some key features of the Air India SBI Signature Credit Card are as follows:
- 20,000 bonus reward points on payment of the joining fee
- Complimentary Air India Frequent Flyer Program-Flying Returns membership
- 4 reward points for every Rs. 100 spent
- 30 reward points on every Rs. 100 spent on Air India ticket bookings for self
- 10 reward points on every Rs. 100 spent on Air India ticket bookings for others
- Complimentary Priority Pass Membership with access to International and Domestic Airport lounges
- 8 complimentary visits per year to domestic VISA lounges in India (2 per quarter)
Related Read: Proactive Solutions to Credit Card Problems
7. SBI Card Elite
Joining Fee: Rs. 4,999 | Annual Fee: Rs. 4,999
SBI Card Elite is an all-rounder credit card offering benefits around multiple categories. The benefits range from rewards on all spends, milestone privileges, complimentary lounge access to movie benefits, low forex markup, and concierge service. Thus, if used frequently, you can get the maximum advantage, by earning a huge value back that clearly surpasses the fee charged. This card is a suitable choice for high spenders, who put most of their expenses on credit cards, especially those on travel, movies or dining.
Some key features of SBI Card Elite are as follows:
- E-gift voucher worth Rs. 5,000 as a welcome benefit
- Free movie tickets worth Rs. 6,000 every year
- Up to 50,000 bonus reward points in a year as a milestone benefit
- 5X reward points on dining, departmental stores, and grocery spend
- 2 reward points per Rs. 100 on all other spends
- 2 reward points per Rs. 100 on international spends
- Complimentary membership to the Priority Pass Program
- 6 complimentary airport lounge visits in a year, outside India (max. 2 per quarter)
- 8 complimentary airport lounge visits in a year, within India (2 per quarter)
- Complimentary Club Vistara Silver membership & Trident Privilege Red Tier membership
- Low forex markup fee of 1.99%
The above listed are some of the credit cards offered by SBI Card, that we feel are best suited for varying customer requirements. We suggest you analyze the card features and your spending patterns, before applying for a card. The choice of the best credit card for you is subjective to your individual needs and lifestyle patterns.
