Product Banner
Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

SBI Credit Card

SBI Card offers a wide range of credit cards designed for shopping, travel, fuel, cashback, rewards, premium lifestyle, airline benefits, and co-branded partnerships. Customers can choose a card based on their spending habits and lifestyle preferences. SBI Card currently offers 27 active credit cards across multiple categories.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or eligible NRI (as per SBI Card policy)
Age: 21–70 Years
Salaried or Self-Employed Individual
Regular Source of Income
Good CIBIL Score (750+ preferred)
Eligibility varies depending on the selected card
Approval is subject to SBI Card's internal credit assessment. 

Features & Benefits

Wide range of cards for Shopping, Cashback, Travel, Fuel, Rewards, Premium Lifestyle, Airline and Co-branded Benefits
Earn Reward Points, Cashback or Travel Benefits based on the selected card.
Complimentary Airport Lounge Access on eligible cards.
Fuel Surcharge Waiver on eligible fuel transactions.
Contactless Payments for secure tap-and-pay transactions.
Flexipay – Convert eligible purchases into easy EMIs.
Balance Transfer & Balance Transfer on EMI facility.
Encash – Avail funds against your available credit limit.
Add-on Cards for eligible family members.
Card Upgrade options for eligible customers.
Utility Bill Payments & Auto Bill Pay facilities.
EMI Conversion on eligible transactions.
Card Security Features including EMV chip and contactless protection.
Access to exclusive merchant offers, dining discounts, shopping deals, travel offers, and entertainment benefits depending on the selected card.

Fees & Charges

Joining Fee: Varies by card (₹0 to ₹9,999 + GST)
Joining Fee: Varies by card (₹0 to ₹9,999 + GST)
Annual/Renewal Fee: Varies by card (₹0 to ₹9,999 + GST)
Annual Fee Waiver: Available on select cards upon achieving the required annual spending milestone.
Interest-Free Credit Period: Up to 50 Days (subject to billing cycle).
Finance Charges: As per the applicable card variant.
Cash Advance Charges: Applicable as per SBI Card schedule.
Late Payment Charges: Applicable based on outstanding balance.
Foreign Currency Markup: Varies depending on the selected credit card.
Other charges such as over-limit fee, cheque bounce charges, reward redemption fee, EMI processing fee, and replacement card charges are applicable as per SBI Card's Most Important Terms & Conditions.

Documents Required

PAN Card
Aadhaar Card / Passport / Driving Licence
Address Proof
Income Proof (Salary Slip / Form 16 / ITR)
Bank Statements (Last 3–6 Months)
Passport-size Photograph (if applicable)
Additional documents may be required depending on the card variant.

FAQs

View / Toggle All

Indian residents and eligible NRIs meeting SBI Card's age, income, and credit eligibility criteria can apply.

The minimum age is generally 21 years, while the maximum age is 70 years. Eligibility may vary depending on the card variant.

Yes. A good credit history improves your chances of approval. A 750+ CIBIL score is generally preferred.

You can apply online through the SBI Card website by selecting your preferred card, filling out the application form, and completing the verification process.

PAN Card, Aadhaar Card (or other valid address proof), income proof (Salary Slip/ITR), and other documents as required by SBI Card. 

Terms & Conditions

Card features, fees and benefits vary by card variant.
Joining and annual fees depend on the selected card.
Reward Points, cashback and milestone benefits are subject to individual card terms.
Credit card approval is subject to SBI Card's internal credit policy.
Benefits and offers may change from time to time as per SBI Card guidelines. 

Apply for SBI Credit Card

Get instant approval with zero paperwork and exclusive partner rewards.

Apply Now
It's quick, secure and hassle-free
Share This Product
Card At A Glance
Joining Fee Varies by card (₹0 to ₹9,999 + GST)
Annual Fee Free
Rewards Wide range of cards for Shopping, Cashback, Travel, Fuel, Rewards, Premium Lifestyle, Airline and Co-branded Benefits
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SBI CARD