Looking for the best SBI credit card to match your lifestyle and spending habits? You’re in the right place. Whether you’re a frequent online shopper, a travel enthusiast, or someone who wants to earn rewards on everyday purchases, State Bank of India credit cards offer a wide range of options tailored to your needs. From cashback to travel benefits, SBI makes it easy to find a card that fits your life.
With simple eligibility and fast approvals, it’s now easier than ever to apply for an SBI credit card. If you’re thinking about a credit card apply SBI process, this blog will help you compare the top SBI CC options, highlight key features, and guide you on how to choose the right one.
Read on to explore the most popular SBI Bank credit cards and discover which SBI card is perfect for your wallet.
Top 7 Best SBI Credit Cards In India August 2025
SBI SimplyCLICK Credit Card
Joining Fee: ₹499 Annual Fee: ₹499
- 10X rewards on Amazon, BookMyShow
- Spend ₹1L/year to waive renewal
- 1% fuel surcharge waiver
Online Shopping
SBI SimplySAVE Credit Card
Joining Fee: ₹499 Annual Fee: ₹499
- 10X rewards on dining, groceries, movies
- Fuel surcharge waiver
- Spend ₹1L/year to waive renewal
Everyday Spending
BPCL SBI Credit Card
Joining Fee: ₹499 Annual Fee: ₹499
- 4.25% value back on fuel at BPCL
- 1% fuel surcharge waiver
- Reward points on groceries & dining
Fuel Benefits
SBI Card ELITE
Joining Fee: ₹4,999 Annual Fee: ₹4,999
- Complimentary airport lounge access
- Free movie tickets every month
- Up to 50,000 bonus reward points
Premium Lifestyle
SBI Card PRIME
Joining Fee: ₹2,999 Annual Fee: ₹2,999
- Complimentary Club Vistara membership
- Lounge access & Trident Privilege Red Tier
- Up to 20,000 reward points annually
Travel & Rewards
Air India SBI Signature Credit Card
Joining Fee: ₹4,999 Annual Fee: ₹4,999
- Earn Air India miles on every spend
- 25,000 reward points as welcome gift
- Lounge access and travel perks
Travel & Air Miles
IRCTC SBI Platinum Card
Joining Fee: ₹500 Annual Fee: ₹300
- 10% value back on IRCTC bookings
- 1% transaction fee waiver on IRCTC
- Reward points on travel & shopping
Rail Travel
1. SBI SimplyCLICK Credit Card
If you love shopping online, then the SBI SimplyCLICK Credit Card is just what you need. Specially designed for people who frequently shop on websites like Amazon, BookMyShow, and Cleartrip, this credit card of SBI gives you more rewards every time you spend online. Whether you’re buying clothes, booking movie tickets, or ordering food, this card lets you save smartly.
If you’re looking to apply SBI credit card for online use, this is one of the best choices in the SBI card lineup. It’s also great for beginners stepping into the world of credit cards.
Key Features of SBI SimplyCLICK Credit Card
- 10X reward points on online spends with partners like Amazon, BookMyShow, Cleartrip, Netmeds, Apollo 24|7, etc.
- 5X reward points on all other online spends.
- 1 Reward Point = ₹0.25
- Get an Amazon gift card worth ₹500 as a welcome gift.
- Spend ₹1,00,000 in a year and get annual fee reversal.
- Exclusive SBI credit card offers and discounts on select brands.
Fees & Charges for SBI SimplyCLICK Credit Card
|
Particulars |
Details |
|
Joining Fee |
₹499 + GST |
|
Annual Renewal Fee |
₹499 + GST (Waived on ₹1L spend/year) |
|
Finance Charges |
3.50% per month (42% annually) |
|
Cash Advance Charges |
2.5% (Min ₹500) |
|
Add-on Card Fee |
Nil |
|
Foreign Currency Markup |
3.5% |
You can compare SBI credit card fees and benefits online before applying.
Other Benefits
- E-voucher on welcome: Get ₹500 Amazon gift card on joining.
- Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 – ₹3,000 at all petrol pumps (Max waiver ₹100/month).
- Easily manage your SBI card online through the SBI Card app or website.
- Apply for add-on cards for family members at no extra cost.
- Secure online transactions with OTP-based verification.
Who Should Apply?
This card is best suited for:
- Students or first-time credit card users
- Online shoppers looking for extra rewards
- Those who want a low annual fee card with benefits
How to Apply SBI Online Credit Card?
Applying for an SBI credit card is super simple:
- Visit the official SBI Card website
- Choose “SimplyCLICK Credit Card”
- Click on “Apply SBI Credit Card”
- Fill in your details, upload documents, and you’re done!
Looking to earn rewards while shopping from your couch? The SBI SimplyCLICK Credit Card brings you just that — and more. With valuable benefits, a low fee, and easy online access, it’s the best entry-level SBI card apply option for smart spenders.
Also Read: SBI Debit Card Lounge Access List August 2025
2. SBI SimplySAVE Credit Card
If you’re someone who spends regularly on daily essentials like groceries, dining, and departmental store shopping, the SBI SimplySAVE Credit Card is made just for you. It offers attractive reward points, welcome benefits, and quick approval through online application.
Whether you’re planning to track your SBI credit card application status, make SBI credit card online payments, or apply for a SBI RuPay credit card, this card ensures convenience and value in every swipe.
Key Features
- Accelerated Reward Points: Earn 10x reward points on dining, groceries, movies, and departmental store spends.
- 1 Reward Point for every ₹150 spent on all other purchases.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions (₹500–₹3,000).
- Welcome Benefit: Get ₹100 cashback on your first ATM withdrawal within 30 days of card issuance.
- Spend-Based Reversal: Annual fee reversal on spends of ₹1 lakh or more in a year.
- Easily track your SBI card application status and manage your card through SBI Paynet.
Fees & Charges
|
Particulars |
Details |
|
Joining Fee |
₹499 + taxes |
|
Annual Fee (from 2nd year) |
₹499 + taxes (waived on ₹1 lakh spend) |
|
Interest Rate |
Up to 3.50% per month (42% annually) |
|
Cash Advance Fee |
2.5% or ₹500 (whichever is higher) |
|
Late Payment Charges |
₹0 – ₹1300 based on the amount due |
|
Over-limit Charges |
2.5% of the over-limit amount (min ₹600) |
|
Reward Redemption Fee |
₹99 per request |
Other Benefits
- Global Acceptance: The card is accepted at over 24 million outlets worldwide.
- Easy EMI Conversion: Convert big spends into EMIs at attractive interest rates.
- Online Access: Manage your card via SBI Card online portal or app.
- Contactless Payments: Enjoy tap & pay features on enabled POS machines.
How to Apply?
You can apply SBI credit card online by visiting the official SBI Card website, choose “SBI SimplySAVE Credit Card” and click on “Apply Now.”
You can also track your SBI card after application using your reference number or mobile number.
3. BPCL SBI Credit Card
The BPCL SBI Credit Card is a perfect pick if you regularly spend on fuel. A co-branded card by State Bank of India (SBI) and Bharat Petroleum, it gives you value back every time you refuel. Whether it’s cashback on petrol or reward points on everyday expenses, this card ensures your fuel bills don’t burn a hole in your pocket.
If you’re looking for a smart SBI CC that blends daily utility with savings, this is worth considering. Plus, the SBI credit card apply process is simple and quick—just go online and complete your application in minutes!
Key Features of BPCL SBI Credit Card
- 4.25% value back (13X Reward Points) on Bharat Petroleum fuel purchases.
- 1% fuel surcharge waiver on transactions up to ₹4,000 at BPCL outlets.
- 5X Reward Points on groceries, departmental stores, dining, and movies.
- 1 Reward Point per ₹100 spent on other categories.
- Contactless payments for faster, safer checkouts.
Fees & Charges – BPCL SBI Credit Card
|
Particulars |
Details |
|
Joining Fee |
₹499 + GST |
|
Annual Renewal Fee |
₹499 + GST (Waived on ₹50,000 annual spend) |
|
Finance Charges |
Up to 3.50% per month (42% annually) |
|
Late Payment Fee |
₹0 – ₹1,300 (based on outstanding amount) |
|
Fuel Surcharge Waiver |
1% on BPCL transactions up to ₹4,000 |
Additional Benefits
- Earn up to 1,300 Reward Points per month on fuel transactions.
- Use your points to get BPCL fuel vouchers.
- Easy EMI conversion for large purchases.
- Access to SBI Card mobile app for tracking spends, rewards, and managing your SBI credit card online.
- Pay your card bills easily with SBI PayNet.
Suggestive Read: SBI Saving Account – Interest Rate, Minimum Balance & More 2025
4. SBI Card ELITE
If you want a card that truly matches your premium lifestyle, the SBI Card ELITE is one of the top choices among SBI Cards. It offers exclusive travel perks, luxury lounge access, high reward points, and entertainment privileges—all wrapped in one stylish card. Whether you’re booking flights, dining out, or watching the latest movie, the SBI Card ELITE adds value to every experience.
Looking to apply SBI online credit card that delivers luxury and convenience? The SBI Card ELITE is perfect for professionals, frequent travellers, and lifestyle seekers.
Key Features of SBI Card ELITE
- Welcome Gift Worth ₹5,000 – Get e-gift vouchers from top brands like Yatra, Hush Puppies/Bata, Pantaloons, Shoppers Stop, and Aditya Birla Fashion.
- Free Movie Tickets – Get up to ₹6,000 worth of movie tickets every year through BookMyShow.
- Complimentary Lounge Access – Domestic & international airport lounges (8 domestic + 6 international visits annually).
- 5X Reward Points – Earn on dining, groceries, department stores, and international spends.
- Club Vistara & Trident Privilege Memberships – Enjoy exclusive benefits as part of your welcome gift.
Fees & Charges – SBI Card ELITE
|
Particulars |
Details |
|
Joining Fee |
₹4,999 + GST |
|
Annual Renewal Fee |
₹4,999 + GST (waived on ₹10L annual spend) |
|
Finance Charges |
Up to 3.50% per month (42% annually) |
|
Late Payment Fee |
₹0 – ₹1,300 (based on outstanding amount) |
|
Foreign Currency Markup |
1.99% (lower than many other premium cards) |
Additional Benefits
- Priority Pass Membership for international lounge access.
- Exclusive Concierge Services for travel, dining, and event bookings.
- Fuel Surcharge Waiver – 1% waiver on fuel transactions (up to ₹250/month).
- Reward Points can be redeemed easily via SBI Card Online portal.
- Ideal card to compare SBI credit card options if you’re focused on premium lifestyle features.
You can apply SBI credit card online easily through the SBI Card Apply portal. Whether you’re looking for the SBI Yatra Credit Card for travel, SBI Pulse Credit Card for fitness and health, or a luxury card like this one, SBI has something for every need. If you’re unsure, you can compare SBI credit card variants before choosing the right one. From managing your account via SBI card online, to checking out the latest SBI credit card offers, everything is at your fingertips.
Planning to apply SBI credit card with premium benefits? Go for SBI Card ELITE—the best credit card of SBI for a premium lifestyle experience.
5. SBI Card PRIME
The SBI Card PRIME is one of the most popular premium credit cards from the State Bank of India. Designed for people who want more out of their everyday spending, this card offers a perfect mix of travel perks, lifestyle benefits, and milestone rewards. Whether you’re shopping, traveling, or paying bills, this card ensures you earn handsome rewards while enjoying premium privileges.
If you’ve been wondering how to apply for SBI credit cards online or looking for a premium option packed with benefits, SBI Card PRIME is a smart choice.
Fees & Charges
|
Particulars |
Details |
|
Joining Fee |
₹2,999 + GST |
|
Annual Renewal Fee |
₹2,999 + GST (Waived on annual spend of ₹3 lakh) |
|
Interest Rate |
Up to 3.50% per month (42% per annum) |
|
Add-on Card Fee |
Nil |
|
Late Payment Charges |
₹0 – ₹1,300 (based on outstanding amount) |
|
Foreign Currency Markup |
3.5% of the transaction amount |
Key Features of SBI Card PRIME
- Welcome Gift Worth ₹3,000: Get an e-gift voucher from top brands like Bata, Hush Puppies, Pantaloons, Yatra, Aditya Birla Fashion, and more.
- Milestone Rewards: Get bonus reward points on annual spends of ₹3L and ₹5L.
- Lounge Access: 4 complimentary international airport lounge visits per year & 8 domestic lounge visits annually.
- Club Vistara & Trident Privilege Membership: Get complimentary memberships for added travel perks.
- Annual Fee Reversal: Spend ₹3 lakh or more in a year to get your annual fee waived.
Other Benefits
- Reward Points: Earn 20 reward points per ₹100 spent on standing instructions (bill payments), and 10 points on dining, groceries, and departmental stores.
- Fuel Surcharge Waiver: 1% waiver at all petrol pumps for transactions between ₹500 to ₹4,000.
- Birthday Benefit: 20 reward points per ₹100 spent on your birthday.
- Balance Transfer on EMI: Transfer your outstanding credit card balance to SBI Card PRIME at a lower interest rate.
- Utility Bill Payments: Earn rewards while paying bills via the SBI card online portal or app.
Why Choose SBI Card PRIME?
If you’re looking for an online SBI credit card that offers premium features without being overly expensive, the PRIME card delivers impressive value. Whether you’re interested in travel, dining, or just enjoying everyday savings, it ticks all boxes.
Plus, with SBI card benefits like easy EMI conversion, attractive SBI credit card interest rate, and access to exclusive privileges, it’s an ideal option for professionals and frequent travelers. And yes, it’s super easy to apply SBI credit card online through the official SBI Card website.
6. Air India SBI Signature Credit Card
The Air India SBI Signature Credit Card is a premium travel card designed for frequent flyers. If you often book flights with Air India, this card can save you big with exclusive travel perks, reward points, and lounge access. It is one of the best SBI credit cards for travelers looking for luxury and rewards.
Whether you’re booking flights or shopping online, this SBI CC gives you the chance to earn reward points that you can convert into Air India Air Miles. If you’re looking to apply for an SBI credit card, this one is a solid choice for travel lovers.
Fees & Charges
|
Particulars |
Details |
|
Joining Fee |
₹4,999 + GST |
|
Annual Renewal Fee |
₹4,999 + GST |
|
Welcome Benefit |
20,000 reward points on card activation |
|
Finance Charges |
Up to 3.5% per month (42% per annum) |
|
Add-on Card Fee |
NIL |
|
Foreign Mark-up Fee |
3.5% of the transaction amount |
Key Features
- Welcome Gift: Get 20,000 reward points (equivalent to Air India Air Miles) on payment of the annual fee.
- Earn Reward Points:
- 4 reward points for every ₹100 spent on non-fuel retail purchases.
- 30 reward points for every ₹100 spent on Air India ticket bookings through airindia.in and the Air India app.
- Air India Miles Conversion: Convert your reward points to Air India Flying Returns Miles.
- Lounge Access: 8 complimentary domestic airport lounge visits per year.
- Priority Pass Membership: Complimentary access to 1,000+ lounges globally.
Other Benefits
- Bonus Milestone Rewards: Earn up to 1,00,000 bonus reward points every year based on spending milestones.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver on transactions of ₹500–₹4,000 (capped at ₹250/month).
- Global Acceptance: This SBI bank credit card is accepted at millions of merchants worldwide.
- Contactless Payments: Tap-and-go for quick and secure transactions.
How to Apply for SBI Credit Card?
You can apply SBI credit card online through the official SBI Card website or visit your nearest SBI branch. You’ll need basic KYC documents and proof of income.
Track SBI Credit Card Application Status using the application reference number at SBI Card’s tracking page.
Don’t Miss this: Amazon Credit Card Offers List August 2025
7. IRCTC SBI Platinum Card
If you’re someone who frequently books train tickets, the IRCTC SBI Platinum Card can be a smart choice. This co-branded card by State Bank of India and IRCTC offers travel benefits, savings on rail bookings, and added perks like reward points and fuel surcharge waiver. Whether you travel for business or leisure, this SBI bank credit card is designed to make your rail journeys more rewarding.
You can easily apply for SBI credit card online and start enjoying cashback, points, and exclusive offers. Let’s take a closer look.
Fees & Charges of IRCTC SBI Platinum Card
|
Particulars |
Details |
|
Joining Fee |
₹500 + GST |
|
Annual Fee (2nd year onward) |
₹300 + GST (waived on ₹50,000 annual spend) |
|
Interest-Free Credit Period |
20 to 50 days |
|
Finance Charges |
Up to 3.50% per month (42% annually) |
|
Cash Advance Limit |
Up to 80% of credit limit |
|
Cash Advance Charges |
2.5% or ₹500 (whichever is higher) |
|
Foreign Currency Mark-up |
3.5% |
Key Features of IRCTC SBI Platinum Card
- 1% transaction discount on IRCTC ticket bookings via irctc.co.in
- 10% Value back as reward points on IRCTC bookings
- 1 Reward Point = ₹1 on ticket bookings via IRCTC portal
- 1 RP per ₹125 spent on non-fuel, non-IRCTC retail purchases
- Fuel surcharge waiver of 1% at petrol pumps (₹500–₹3,000 transactions)
- Add-on cards for family members at no extra cost
- Online SBI credit card access for balance, rewards, and more
Other Benefits
- Saves money on every train ticket booked via IRCTC
- Accepted globally at over 24 million outlets
- EMI conversion on large purchases easily through SBI Card portal
- Easy tracking of expenses through SBI credit card login
- SMS & email alerts on transactions and bill due dates
- Track your SBI credit card status and application status online
Should You Apply?
If you’re a frequent Indian Railways traveler, the IRCTC SBI Platinum Credit Card brings you significant value in terms of discounts and rewards. It’s one of the best travel-focused cards from SBI Cards, especially if you prefer trains over flights.
So, if you’re looking for a travel-savvy SBI credit card apply online option, this card should be on your radar.
Quick Info at a Glance
- SBI Card Apply: You can apply directly via SBI Card’s official website or SBI PayNet.
- SBI Credit Card Track: Use your application number to check status online.
- SBI Card Status: Know if your card is dispatched, approved, or under review.
- SBI Credit Card Online Payment: Pay bills via net banking, UPI, or auto-debit.
- Credit Card SBI Login: Manage your account via SBI Card’s website or app.
What is the SBI Credit Card toll free number?
You can contact SBI Credit Card customer care at their toll free number: 1800 180 1290.
How do I access my SBI Credit Card login?
Visit sbicard.com and click on ‘SBI Credit Card login’ to securely access your account.
How can I apply for an SBI Credit Card online?
You can easily complete your SBI Credit Card apply process online at the official SBI Card website.
What are the SBI Credit Card charges?
SBI Credit Card charges vary by card and include joining fees, annual fees, interest rates, and late payment penalties.
How to make an SBI Credit Card payment?
You can make your SBI Credit Card payment online via SBI Paynet, net banking, UPI, or through the SBI Card mobile app.
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