Top 10 SBI Credit Cards for Ultimate Benefits

When it comes to choosing a credit card that suits your lifestyle and spending habits, State Bank of India (SBI) offers a wide range of options. Each SBI credit card comes with its own set of privileges and benefits. In this article, we will explain the top 10 SBI credit cards based on their unique features and offerings.

1. SBI Card ELITE

SBI Card ELITE is the perfect companion for those seeking luxury and rewards. Upon joining, you’ll be welcomed with a generous e-Gift Voucher worth Rs. 5,000, which you can use with leading travel and lifestyle brands. Movie buffs will appreciate the yearly gift of free movie tickets worth Rs. 6,000. As you spend, you’ll unlock milestone privileges, including up to 50,000 Bonus Reward Points. Dining enthusiasts will love the 5X Reward Points on dining, departmental stores, and grocery spends. Frequent travelers will enjoy the complimentary Priority Pass membership, offering access to over 1000 airport lounges worldwide. SBI Card ELITE also provides domestic lounge access, Club Vistara membership, Trident Privilege membership, and the lowest forex markup charge. To top it all off, an exclusive concierge service is at your disposal. With an annual fee of Rs. 4,999, this card is a gateway to a world of benefits.

Advantage of SBI Card ELITE

• Welcome gift: As a new cardholder, you’ll receive a welcome e-Gift Voucher worth Rs. 5,000. You can choose from various travel and lifestyle brands such as Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
• Complimentary Movie Tickets: Enjoy free movie tickets worth Rs. 6,000 every year. This offer is valid for at least 2 tickets per booking per month.
• Milestone Privileges: Earn up to 50,000 Bonus Reward Points worth Rs. 12,500 per year. You’ll also receive 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs.
• ELITE Rewards: Get 5X Reward Points on Dining, Departmental stores, and Grocery Spends. Earn 2 Reward Points per Rs. 100 on all other spends except fuel.
• International Lounge Program: Enjoy complimentary membership to the Priority Pass Program worth $99, which includes 6 complimentary Airport Lounge visits per calendar year outside India.
• Domestic Lounge Program: Avail 2 complimentary Domestic Airport Lounge visits every quarter in India.
• Club Vistara Membership: Receive complimentary Club Vistara Silver membership, 1 complimentary Upgrade Voucher, and earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights.
• Trident Privilege Membership: Enjoy complimentary Trident Privilege Red Tier membership with exclusive benefits and bonus points.
• Lowest Forex Markup: Benefit from the lowest Foreign Currency Mark-up Charge of 1.99% on international usage and earn 2 Reward Points on every Rs. 100 spent on international transactions.
• Exclusive Concierge Service: Access dedicated assistance for services like Flower Delivery, Gift Delivery, and Online Doctor Consultation.

2. SBI Card PULSE

SBI Card PULSE is designed to cater to your health and entertainment needs. Its welcome gift, a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999, sets the tone for a healthy lifestyle. On renewal, you receive complimentary FITPASS PRO Membership and Netmeds First Membership. Earn 10 Reward Points per Rs. 100 spent on health-related categories and 2 Reward Points on other purchases. Achieving specific spends results in a waiver of the renewal fee and e-vouchers worth Rs. 1,500. You’re also covered with comprehensive insurance, and you’ll enjoy lounge benefits and a lower annual fee of Rs. 1,499. SBI Card PULSE ensures you stay fit and entertained while saving on your annual fees.

Advantage of SBI Card PULSE

• Welcome Gift: Get a Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 on payment of the joining fee.
• Health Benefits: Enjoy 1 year complimentary FITPASS PRO Membership and Netmeds First Membership on card renewal.
• Reward Points: Earn 10 Reward Points per Rs. 100 spent on Chemist, Pharmacy, Dining, and Movies spends, and 2 Reward Points per Rs. 100 spent on all other spends.
• Milestone Benefits: Waiver of Renewal Fee on annual spends of Rs. 2 Lakhs and get an Rs. 1,500 E-Voucher on achieving annual retail spends of Rs. 4 Lakhs.
• Comprehensive Insurance Cover: Avail Fraud Liability Insurance Cover of Rs. 1 lakh and Air Accident Cover of Rs. 50 lakh.
• Lounge Benefits: Enjoy 8 Domestic Lounge visits and a complimentary Priority Pass Membership worth US $99 for the first two years of cardholder membership.

3. CASHBACK SBI Card

CASHBACK SBI Card is all about savings and convenience. With a 5% cashback on online spends and a 1% cashback on offline spends, it’s ideal for both online and offline shoppers. Cashbacks are automatically credited to your account, making it hassle-free. On top of that, the renewal fee is reversed upon reaching annual spends of Rs. 2 lakhs. Fuel surcharge waiver adds to your savings at petrol pumps across India. With a modest joining fee of Rs. 999 and a renewal fee of Rs. 999 (reversed with annual spends), this card ensures you get the most out of your everyday purchases.

Advantage of CASHBACK SBI Card

• Card Cashback: Get 5% Cashback on online spends without any merchant restriction and 1% Cashback on offline spends.
• Spend Based Reversal: Enjoy Reversal of Renewal Fee on annual spends of Rs. 2 Lakh.
• Fuel Surcharge Waiver: Avail 1% Fuel Surcharge Waiver across all petrol pumps in India.

* Renewal Fee (Per Annum): Rs. 999 from the second year onwards (Reversed if annual spends for the last year >= Rs. 2,00,000).

4. Paytm SBI Card SELECT

The Paytm SBI Card SELECT offers the convenience of digital payments and cashbacks. You’ll receive a Paytm First Membership and Rs. 750 as Cashback, setting you up for a rewarding digital experience. Enjoy 5% cashback on Paytm Mall, Movies, and Travel, 2% cashback on other Paytm App purchases, and 1% cashback on other spends. Cyber Fraud Insurance adds a layer of security, and milestone benefits and lounge access sweeten the deal. Fuel surcharge waivers and intelligent features on the Paytm App make this card perfect for tech-savvy individuals. With an annual fee of Rs. 1,499, this card brings digital convenience to your fingertips.

Advantage of Paytm SBI Card SELECT

• Welcome Offer: Enjoy benefits up to Rs. 75,000 with a complimentary Paytm First Membership and Rs. 750 as Cashback in your Paytm Wallet.
• Cashback: Get 5% Cashback on Paytm Mall, Movies, and Travel, 2% Cashback on all other purchases on Paytm App, and 1% Cashback on any other spends.
• Cyber Fraud Insurance: Get an extra layer of protection against cyber fraud with Cyber Fraud Insurance cover of Rs. 2,00,000.
• Milestone Benefit: Receive vouchers on achieving retail spends of Rs. 4 L in a year.
• Priority Pass Membership: Enjoy Complimentary Priority Pass worth US $99 for the first two years of cardholder membership.
• Fuel Surcharge Waiver: Get 1% Fuel Surcharge waiver for each transaction between Rs. 500 and Rs. 4000.

5. SimplyCLICK SBI Card

The SimplyCLICK SBI Card is tailor-made for online shoppers. A log-in gift of an Amazon.in gift card worth Rs. 500 starts your journey. It rewards you with 10X Reward Points on online spends with exclusive partners and 5X Reward Points on all other online spends. Achieving specific online spends earns you e-vouchers. The card also offers 1% fuel surcharge waiver and a reversal of annual fees upon spending Rs. 1 lakh. With a low annual fee of Rs. 499, this card is perfect for those who love shopping online.

Advantage of SimplyCLICK SBI Card

• Log-in Gift: Get an Amazon.in gift card worth Rs. 500 on payment of the Annual Fee.
• e-Shopping Rewards: Earn 10X Reward Points on online spends with exclusive partners and 5X Reward Points on all other online spends.
• Milestone Benefits: Receive e-Vouchers worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively.
• Complete Fuel Freedom: Enjoy 1% fuel surcharge waiver for each transaction between Rs 500 & Rs. 3000.

Complete Fuel Freedom: Enjoy 1% fuel surcharge waiver for each transaction between Rs 500 & Rs. 3000.

6. SimplySAVE SBI Card

The SimplySAVE SBI Card simplifies savings with its extravaganza offer, giving you 2,000 bonus Reward Points when you spend Rs. 2,000 or more in the first 60 days. You’ll earn 10 Reward Points on dining, movies, departmental stores, and grocery spends. Plus, you enjoy 0% fuel surcharge at petrol pumps. With an annual fee of Rs. 499 and the option for a fee reversal upon spending Rs. 1,00,000 or more in the previous year, this card makes saving easy.

Advantage of SimplySAVE SBI Card

• Extravaganza Offer: Spend Rs. 2,000 or more in the first 60 days and get 2,000 bonus Reward Points.
• Value Back: Enjoy 10 Reward Points per Rs. 150 spent on Dining, Movies, Departmental Stores, and Grocery Spends.
• 0% Fuel Surcharge: Get freedom from paying the 1% fuel surcharge at any petrol pump.
• Spend Based Reversal: Get annual membership fee reversal from the second year of your subscription.

7. SBI Card Unnati

SBI Card Unnati is the free card you’ve been looking for, as it comes with no annual fee for the first four years. You’ll earn 1 Reward Point per Rs. 100 spent and receive a Rs. 500 gift voucher upon reaching annual spends of Rs. 50,000 or more. Fuel surcharge waivers and the option for a secured card with a fixed deposit make this a great choice for those looking for affordability and convenience.

Advantage of SBI Card Unnati

• Zero Fee Card: SBI Card Unnati is free for the first 4 years.
• Rewards on Spends: Get 1 Reward Point per Rs 100 spent.
• Milestone Rewards: Receive Rs 500 Cashback on achieving annual spends of Rs 50,000 or more.
• Fuel Freedom: Enjoy 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000.
• Secured Card: The card is issued with a lien on Cardholder’s fixed deposit with State Bank of India of Rs. 25,000 or more.

8. IRCTC SBI Card (on RuPay platform)

The IRCTC SBI Card is ideal for frequent railway travelers. You’ll receive 350 activation bonus Reward Points and value back benefits when booking railway tickets through IRCTC. Additionally, you earn Reward Points for non-fuel retail purchases and enjoy fuel surcharge waivers. With an annual fee of Rs. 499, this card enhances your railway booking experience.

Advantage of IRCTC Rupay SBI card

• Welcome gift: Get 350 activation bonus Reward Points on a single transaction of Rs. 500 or more within 45 days of card issuance.
• Valueback benefits: Buy tickets through irctc.co.in & IRCTC Mobile App and earn up to 10% Value Back as Reward Points.
• Reward Benefits: Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at www.irctc.co.in and IRCTC Mobile App.
• Travel offers from IRCTC: Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
• Fuel surcharge waiver: Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India.
• Railway Lounge Program: Enjoy 4 complimentary railway lounge access in a year.

9. Club Vistara SBI Card PRIME

The Club Vistara SBI Card PRIME is perfect for frequent flyers. You’ll receive a Premium Economy ticket as an E-Gift Voucher, and you can earn CV Points on your spends. Milestone benefits, comprehensive insurance, and lounge access make this card a valuable travel companion. With an annual fee of Rs. 2999 and the option for an add-on card at no extra cost, it’s a great choice for travelers.

Advantage of Club Vistara SBI Card PRIME

• Welcome Gift Vouchers: Get 1 Premium Economy ticket as an E-Gift Voucher on payment of Annual/Renewal fee.
• Reward Benefits: Earn 4 CV Points (per Rs. 200 spent) on all your spends.
• Milestone Benefits: Receive bonus CV Points and Premium Economy tickets on achieving specific annual spends.
• Comprehensive Insurance Cover: Enjoy insurance benefits on cancellations and lost cards.
• Domestic Airport Lounge Access: Enjoy 8 complimentary visits per year to Domestic Airport lounges.

10. BPCL SBI Card

The BPCL SBI Card is for those who spend on fuel. It offers 2,000 Activation Bonus Reward Points and value back benefits. You’ll earn 5X Reward Points on groceries, departmental stores, movies, and dining, plus 1 Reward Point for non-fuel retail purchases. Enjoy fuel surcharge waivers and an annual fee of Rs. 499 with welcome gifts worth Rs. 500. This card maximizes your rewards when you fuel up at BPCL outlets.

Advantage of BPCL SBI Card

• Welcome gift: Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee.
• Value Back Benefits: Enjoy Valueback and Fuel surcharge waiver on fuel purchases at BPCL petrol pumps.
• Reward Benefits: Earn 5X Reward Points on every Rs. 100 spent at Groceries, Departmental Stores, Movies & Dining.
• Fuel Freedom Benefits: Enjoy 4.25% Valueback and surcharge waiver at any BPCL petrol pump across the country.

FAQ

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