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13 Best SBI Credit Cards In India 2022
India’s largest bank SBI or State Bank of India has credit cards (under SBI Card) that offer exciting privileges and cashback with relatively low annual and joining fees. It also has various co-branded credit cards that provide accelerated rewards in multiple categories like shopping, travel and dining. To help you check out the entire range and decide which one to pick according to your requirements, we have sorted out the best SBI credit cards in India.
List Of 13 Best SBI Bank Credit Cards in India For 2022
1. SBI SimplySAVE Credit Card
- State Bank of India offers an offline savings centric card with the SimplySAVE.
- An all-rounder credit card, this one offers accelerated rewards on most categories like Dining, Movies, Departmental Stores, and Grocery.
- 1% fuel surcharge waiver across all fuel stations in India.
- 10X reward points on Dining, Movies, Departmental Stores, and Grocery.
- On all other categories, you earn 1 Reward point per Rs 100 spent
- Affordable joining and annual fees.
- No complimentary Airport or Railway lounge access.
Why We Picked This Card?
If the majority of your spends are offline, the SBI SimplySAVE is the best SBI Bank credit card to get.
2.SBI SimplyCLICK Credit Card
- SimplyCLICK offers impressive rewards on travel and online shopping.
- You also get an Amazon gift card worth ₹500 when you register for this card.
- It gets you 10X rewards with partner websites and 5X on all other online spends.
- 10X Reward Points on Cleartrip, FoodPanda, Lenskart, Bookmyshow, etc.
- Earn 1 Reward point on every ₹100 spent otherwise.
- 1% Fuel Surcharge waiver on a minimum spend of ₹500
- No rewards on entertainment and dining.
- Conversion of rewards is not highly rewarding.
Why We Picked This Card?
The SimplyCLICK is a great online shopping credit card which gives you extra rewards on your regular purchases. Get the best ICICI credit card, the Amazon Pay ICICI to complement your Amazon purchases.
3. SBI PRIME Credit Card
- This premium credit card offers a series of rewards and cashback on categories like dining, shopping, and utility bill payments.
- Users get ₹3,000 worth of welcome e-Gift vouchers from brands like Yatra, Hush Puppies, Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
- 20 reward points on every Rs 100 spent on utility bill payments and birthday spends.
- 10 reward points for every Rs 100 spent on dining, groceries, departmental stores and movies.
- 1,000 Bonus CV Points and up to 3 Economy Class tickets in a year
- 2 Reward points on Rs 100 spent on other retail spends
- 2 Club Vistara Points for every Rs 200 spent
- 4 priority pass lounge visits per year
- Fuel surcharge waiver across all fuel stations is capped at Rs 250 a month
Why We Picked This Card?
The SBI Prime provides you with accelerated rewards on your utility bill payments, helping you get up to 5% cashback on your mobile, electricity, water, and similar utility bills. The HDFC Millennia is a good alternative, which is why it is part of our HDFC best credit cards list.
4. SBI ELITE Credit Card
- It is a cashback and rewards-centric credit card that offers cashback across categories of dining, entertainment, shopping, travel, and lifestyle.
- The rewards rate is as high as 2.5% on various transactions.
- Pampers the user with welcome gift vouchers worth Rs 5000 from different lifestyle brands like Yatra, Hush Puppies, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
- Complimentary Club Vistara and Priority Pass membership.
- Offers milestone-based rewards like 10000 points for spending 3 lakhs in a year, 15000 for spending Rs 5 lakhs, and so on.
- 2 Complimentary International and Domestic Airport lounge access.
- Lowest currency markup fee of 1.99% for international currency.
- Hefty fees for most users. High spending criteria too.
Why We Picked This Card?
SBI Card’s premium credit card, Elite, is a solid travel card especially if you have a lot of spends on flights and hotels. You can also check out the Magnus, which is the best Axis Bank credit card, in the super premium category.
5. BPCL SBI Credit Card
- An entry-level fuel credit card, this credit card also provides accelerated rewards on other categories, including groceries, dining, movie ticket purchases, and departmental stores.
- Offers lost card liability of upto Rs 1 Lakh.
- A welcome gift worth 6000 reward points is credited.
- 25X reward points on BPCL fuel stations across the country.
- 4 complimentary domestic airport lounge visits.
- 5X reward points earned on dining, movie tickets, groceries, and departmental stores.
- Rewards on fuel are only applicable at BPCL fuel stations.
- Fuel surcharge waiver is capped at Rs 100 per month.
Why We Picked This Card?
BPCL SBI is a solid credit card to score some brilliant cashback on your fuel spends but only at BPCL petrol pumps in India.
6. Paytm SBI Select Credit Card
- This is a co-branded credit card in association with Paytm.
- Offers a decent reward rate on transactions made through the Paytm app on Android and iOS.
- Welcome benefits up to Rs 75000, complimentary Paytm First membership, and Rs 750 as Paytm wallet balance.
- Flat 2% cashback on all categories on spending through Paytm.
- 4 Complimentary domestic and international airport lounge access.
- Complimentary Priority Pass worth USD 99 for the first two years of cardholder membership.
- 1% fuel surcharge waiver across all fuel stations in India.
- Accelerated rewards are limited to Paytm.
Why We Picked This Card?
If you are a frequent Paytm user, the Paytm SBI card gives you extra cashback on your regular spends. It more than makes up for the annual fees in terms of benefits offered.
7. SBI Advantage Plus Credit Card
- SBI Advantage Plus is an entry-level card with decent rewards and privileges.
- It offers basic features like a fuel surcharge waiver, the facility of availing add-on cards, and rewards on bill payments.
- Upto 100% of the credit limit can be used for cash withdrawal.
- It is also available via the secure channel of a fixed deposit.
- Rewards on utility bill payments like electricity, telephone using Easy Bill pay facility.
- 2.5% fuel surcharge waiver across all fuel stations in India.
- When booking a ticket through IRCTC online, you get a 1.8% surcharge waiver.
- No travel benefits like international and domestic airport lounge access.
- Reward rate is low on categories like travel and dining.
Why We Picked This Card?
The SBI Advantage Plus is a great credit card is build your credit score effectively. If you book tickets on IRCTC frequently, the surcharge waiver goes a long way in cutting costs.
8. SBI STYLEUP Contactless Card
- A co-branded SBI card offers an all-year discount on Future Group’s FBB and Food Bazaar.
- This card also has welcome benefits like a gift voucher worth Rs 500 as well as 2000 reward points.
- It is a shopping centric card with accelerated rewards on fine dining across various restaurants in India.
- 10X rewards on Future group partners FBB, Big Bazaar, and Food Bazaar.
- 1% fuel surcharge waiver on transactions between Rs 500 and 4000.
- 1 reward point for every Rs 100 spent on all other transactions.
- No complimentary airport and railway lounge access is offered.
Why We Picked This Card?
For Future Group store frequenters, the STYLEUP card is a solid element in their wallet. The 10X rewards help you make the most of your lifestyle purchases every month.
9. Yatra SBI Credit Card
- This one is a travel card that offers various offers and discounts on travel purchases.
- Rs 1,000 off on domestic flight bookings, Rs 4,000 off on international flight bookings, and 20% off on domestic hotels.
- Overall it has a decent reward rate in the travel category.
- 6 Reward Points on every Rs 100 spent on Dining, Movies, Entertainment, Departmental Stores and Grocery
- Complimentary Air Accident cover of Rs 50 lacs
- 1% fuel surcharge waiver across all petrol pumps in India.
- Welcome benefits like Yatra.com vouchers worth Rs 8,250
- It only offers 2 complimentary domestic lounge access per calendar year, that too as a travel card.
Why We Picked This Card?
For your regular domestic trips, the Yatra SBI card helps in getting extra discounts to the tune of Rs 10,000 in a year. For the annual fees, it is a must-have for those who use Yatra a lot. You could also try out one of the best IDFC credit cards, the IDFC Millennia, for railway lounge visits.
10. Club Vistara SBI Prime Credit Card
- A co-branded credit card in association with Vistara airlines, the Club Vistara SBI Prime offers welcome benefits like 1 Premium Economy ticket as an E-Gift Voucher.
- You get accelerated Club Vistara points on spending more than Rs 75000 in the first 90 days.
- 8 Complimentary Domestic airport lounge visits
- Complimentary membership to Priority Pass Program
- 4 Club Vistara Points for every Rs 200 spent.
- Discounts up to 10% on Hertz Rental & 5% discount on Rentalcars.com
- The card does not offer any fuel surcharge waiver.
- No lounge access is available on the add-on card.
Why We Picked This Card?
The Club Vistara Prime gets you complimentary Club Vistara access, multiple lounge visits, Priority Pass access, and accelerated travel points. What more do you need in a travel card?
11. Air India SBI Signature Credit Card
- Air India SBI Signature is a premium travel credit card that offers various travel-related features and rewards.
- This card offers you a complimentary priority pass membership and Air India Frequent Flyer program-Flying Returns.
- Earn upto 30 Reward Points for every Rs 100 spent on Air India tickets booked through airindia.com and the Air India mobile app.
- 30 Reward Points when booking a flight for self and 10 Reward Points when booking for others
- 4 reward points for every Rs 100 spent otherwise.
- Complimentary priority pass membership for unlimited international and domestic airport lounge access.
- 1% fuel surcharge waiver across all fuel stations in India.
- No luxury benefits like complimentary golf rounds.
- Lacks 24/7 concierge services for flight and hotel reservations.
Why We Picked This Card?
For those who frequently travel by Air India, this card offers access to the elite frequent flyers programme that can get you maximised returns on your trips.
12.SBI Aurum Credit Card
- The State Bank of India offers this super premium credit card which is also known as the gold card.
- It is a metallic card and comes with gold stripes.
- You get complimentary memberships to Zomato Pro, Amazon Prime, Discovery Plus, Lenskart Gold, and BigBasket Star.
- Offers flight cancellation protection
- 4.7% reward rate is possible if used efficiently
- Dedicated services like concierge and secretarial access
- It also provides milestone-based rewards – spending Rs 1 lakh a month will fetch you a TataCliq voucher worth Rs 1,500.
- This card is solely an invite-only card based on the bank’s terms and conditions.
Why We Picked This Card?
SBI Aurum is the issuer’s most premium card. You can maximise your returns to up to 4.7% of your spends, which makes this a fantastic card to get if you spend over Rs 1 lakh in a month.
13.IRCTC SBI Rupay Credit Card
- SBI IRCTC Rupay card is an internationally accepted credit card based on the Rupay platform.
- It offers impressive rewards to customers frequently travelling via train in India and decent rewards on spends in all categories except fuel.
- 10% reward points on train bookings using the IRCTC website and mobile application.
- One reward point for every Rs 125 spent otherwise.
- 4 Complimentary Railway Lounge access in a year.
- 1% fuel surcharge waiver.
- No reward points on fuel spends
- No fee waiver option
Why We Picked This Card?
The IRCTC SBI card gets you accelerated rewards on your IRCTC train and meal bookings. If you book frequently, this card makes a lot of sense.
Compare Best SBI Bank Credit Cards
| Credit Cards | Joining Fees | Annual fee waiver |
|---|---|---|
| SBI SimplySAVE | Rs 499 | Rs 1 lakh |
| SBI SimplyCLICK | Rs 499 | Rs 1 lakh |
| SBI Prime | Rs 2,999 | Rs 3 lakhs |
| SBI Elite | Rs 4,999 | Rs 10 lakhs |
| BPCL SBI | Rs 499 | Rs 2 lakhs |
| Paytm SBI Select | Rs 1,499 | N/A |
| SBI Advantage Plus | Rs 500 | Rs 1 lakh |
| SBI STYLEUP | Rs 500 | N/A |
| Yatra SBI | Rs 499 | Rs 1 lakh |
| Club Vistara SBI Prime | Rs 2,999 | N/A |
| Air India SBI Signature | Rs 4,999 | N/A |
| SBI Aurum | Rs 10,000 | Rs 12 lakhs |
| IRCTC SBI Rupay | Rs 499 | N/A |
Choosing the right one from this list of best SBI credit cards according to your needs and spending pattern is essential. Credit cards can be beneficial and rewarding if used on related categories and partner websites or stores. Most SBI credit cards offer features like complimentary airport lounge access and discounts on fine dining, and these privileges help you improve your overall shopping and travel experience. Let us know which card you end up picking. Good luck.