10 Top SBI Credit Card India Review 2018

Last Updated: 14th March, 2018

I have reviewed 13 best credit cards in India and included 2 credit cards from SBI in the list. I thought of writing a separate post on the best credit cards offers by SBI if you have already decided to apply for SBI cards.

SBI Simply Save is best for online shopping and SBI Air India Signature Credit Card is best for travel. Apart from these, SBI has launched a lot of credit cards for lifestyle, shopping, rewards, travel, and fuel.

I am explaining all the benefits and offers on 10 top SBI credit cards in India.

Before going to our best pick, have a look on all the credit cards offered by State Bank of India.

  1. Simply SAVE SBI Card .
  2. Simply CLICK SBI Card .
  3. SBI FBB StyleUP Credit Card
  4. SBI Card ELITE Card .
  5. Yatra SBI Card
  6. SBI Card PRIME .
  7. SBI Card Unnati
  8. Air India SBI Signature Card
  9. Air India SBI Platinum Card
  10. IRCTC SBI Platinum Card
  11. SBI Select+ Card
  12. Central SBI Select Card
  13. Capital First SBI Card
  14. Tata Platinum Card
  15. Tata Titanium Card
  16. BPCL SBI Card
  17. Chennai Metro SBI Card
  18. Mumbai Metro SBI Card
  19. Karnataka Bank SBI Platinum Credit Card
  20. Karnataka Bank SBI SimplySAVE Card
  21. South Indian Bank SBI Platinum Credit Card
  22. South Indian Bank Simply Save SBI Card
  23. LVB SBI Platinum Credit Card
  24. LVB SBI SimplySAVE Card
  25. Federal Bank SBI Platinum Credit Card
  26. Federal Bank SBI Credit Card
  27. KVB SBI Signature Card
  28. Karur Vysya Bank – SBI Platinum Credit Card
  29. Karur Vysya Bank – SBI Card
  30. Oriental Bank of Commerce – SBI Platinum Credit Card
  31. Oriental Bank of Commerce – SBI Card
  32. Bank of Maharashtra – SBI Platinum Credit Card
  33. Bank Of Maharashtra – SBI Card

I am going to explain the benefits (and how to get approved) for the 10 best credit cards offered by SBI.

#1. SBI Simply Click Credit Card Review

SBI SimplyClick Card is meant for generations that’s always online.

SimplyClick Credit Card is probably the best SBI credit card for salaried employees who love to shop online on Amazon, BookMyShow, Cleartrip, Foodpanda, FabFurnish, Lenskart, OLA, and Zoomcar.

For a limited time, SBI is giving Rs. 500 Amazon gift card on the approval of the card (that will cover the first year annual fees of the card).

If you make most of your purchase, then you can earn 10X reward points on amazon, BookMyShow, Cleartrip, Foodpanda, Lenskart, UrbanClap, Zoomcar . On all other online spends you can earn 5X rewards through SBI Simply save card.

Fee and Charges

Annual Fee – Rs 499

annual fee would be reversed in the subsequent year if you spend Rs.1,00,000 in one year after the card approval.

Key Benefits of SBI Simply Click Credit Card

  • 10X rewards on online spends – Amazon / BookMyShow / Cleartrip / Foodpanda / FabFurnish / Lenskart / OLA / Zoomcar
  • Earn 5X rewards on others online spends.
  • 1 reward point per Rs.100 on all other spends
  • Rs 500 gift voucher from Amazon
  • 1% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000

Milestone Rewards

  • Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs. 1 Lakh
  • Cleartrip e-voucher worth Rs.2,000 on annual online spends of Rs. 2 Lakhs

Special Offers Valid till 31st March 2018

  • BookMyShow – Rs.100 instant cashback for first time BookMyShow APP users.
  • 40% off on UrbanClap with for first time UrbanClap users.
  • Zoomcar – Rs.600 off on booking Self-Drive Zoomcar worth Rs.2,500

My View on SBI Simply Click Credit Card

Simply save is one of the best online shopping credit card available in the market. With this card you can earn 10X reward points on websites like Amazon, Cleartrip and BookMyShow. For non-partner websites, you will earn 5x points.

#2. SBI Simply Save Credit card Review

SBI Simply Save credit card let you save your money on Dining, Movies, Departmental Stores and Grocery Spends.

So if you often go for dine out, spend on movies and make shopping on departmental stores, so, with SBI Simply Save credit card you can earn 10X reward points on you spends.

One thing I most liked about Simply Save credit card is that with the earned reward points you can pay the outstanding balance on your credit card. So you want to redeem your reward points on unwanted gifts.

Key Benefits of Simply Save Credit Card

  • Get 10 reward points per Rs 100 spent on dining, movies, departmental stores and grocery spends
  • On all your other spends, earn 1 reward point per Rs. 100 spent.
  • 1% fuel surcharge waiver for each transaction between Rs.500 & Rs.3000.

The redemption value of 100 reward points is Rs 25. That’s straight 2.5% saving on dining, movies, departmental stores and grocery spends.

For the rest of spends the figure is just 0.25% which is not impressive. It makes clear that the card is best for those, who will utilise the card in the specified categories.

Fee and Charges

Annual Fee – Rs 499

You can get annual membership fee reversal from second year of your subscription by spending Rs. 90,000 in previous year.

#3. SBI IRCTC Credit Card Review

SBI IRCTC credit card is the only card in India for the railway users. This credit card provides benefits like transaction charge waiver, great saving on railway ticket booking along with fuel surcharge waiver and reward points on your all other retail spends.

Along with that, you can also get a welcome gift 350 reward points having redeemable value of Rs 350 on spending Rs 500 or more with 45 days from card issuance.

Reward Points & Cashback

  • Earn Rs 100 cashback on first ATM cash withdrawal transaction within the 30 days of card receiving. But you have to pay cash advance fee, minimum of Rs 300. Frankly speaking, this is beyond my understanding, get 100 cashback by paying Rs 300 as cash advance fee.
  • Get 10% of your spend in reward points when you buy ticket through www.irctc.co.in for AC1, AC2 and AC CC.
  • Get 1 reward point for every spend Rs 125 on (non fuel) retail purchases including railway tickets.
  • 1.8% transaction surcharge waiver while online railway booking.
  • Enjoy freedom from paying 1% fuel surcharge across all the petrol pumps in India on transaction of Rs 500- 3000. Fuel surcharge waiver capped at Rs 100 per calendar month.

Fee & Charges

First Year Fee – Rs 500

Renewal Fee – Rs 300

Hidden Condition Behind the 10% on Ticket Booking

SBI IRCTC credit card offers 10% value back in form of reward points on booking through irctc.co.in.

But there is a hidden condition. In this condition, year days are divided into two groups. If you book your travel between the dates of first group, you will get 4 Points ( 4% ).

During second groups schedule, you will get 10 reward points (10%).

Here are the dates

#4. SBI Yatra Credit Card Review

If you oftenly do your travel booking on Yatra then you can save some thousand of rupees every year with SBI Yatra credit card.

You can make this saving on flight and hotel booking on Yatra with SBI Yatra credit card. The saving details are

  • Rs. 1,000 off on domestic flight bookings on min. transaction of Rs. 5,000
  • Rs. 4,000 off on international flight bookings on min. transaction of Rs. 40,000
  • 20% off on domestic hotels on min. transaction of 3,000. Max. discount of Rs. 2,000.

This discounts can be availed by using promo code Travel at the time of booking. You can use this promo code for maximum 6 times in a calendar year.

SBI also offers a Yatra discount vouchers as a welcome gift worth Rs 8250 on joining.

Usually banks offer welcome gifts of having such worth on their premium card which comes with an annual fee of Rs 3000 to 4000.

Fee and Charges

Annual Fee – Rs 499

You can get annual membership fee reversal from second year of your subscription by spending Rs. 90,000 in previous year.

Welcome Gift Vouchers Details

The welcome gift includes 7 Yatra discount vouchers having total worth Rs 8250. You can redeem these vouchers only against the mentioned category.

  • 2 vouchers worth Rs. 500 each for domestic travel
  • 2 vouchers worth Rs. 1,000 each for international travel
  • 1 voucher worth Rs. 750 for hotel bookings
  • 1 voucher worth Rs. 1,500 for domestic holidays
  • 1 voucher worth Rs. 3,000 for international holidays

Reward Points & Other Benefits on SBI Yatra Credit Card

  • 6 reward points on every Rs. 100 spend on departmental stores, grocery, dining, movies, entertainment and international spends.
  • 1 Reward Point on every Rs. 100 spent on all other categories
  • 1% fuel surcharge waiver upto Rs 100 across all petrol pumps.

You can redeem reward points for Yatra discount vouchers @ 100 rewards points = Rs 25.

Complimentary Benefits with SBI Yatra Credit card

  • 2 complimentary domestic airport lounge access per calendar quarter.
  • Complimentary air accident cover of Rs. 50 lacs.

#5. SBI Card Unnati Review

SBI Unnati credit card is the best option if you are new to credit cards and have no CIBIL score.

So, SBI unnati credit card is a golden way to get your first credit card and build your CIBIL score as well.

You can apply for SBI Unnati credit card against a minimum fixed deposit of Rs 25,000 with the SBI. You will get 80% credit limit of your FD amount.

SBI Unnati Credit Card Rewards Points & Other Benefits

  • 500 cashback on spends of Rs 50,000 in a year.
  • Get 1 reward point per Rs 100 spent
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 maximum upto Rs 100.

Fee & Charges

The annual fee of SBI Unnati credit card is waived off for first 4 years.

After 4 year the annual fee is Rs 499

So, for the first 4 years, you will not have to pay any charges to the bank. And whatever you will earn as reward points that will be your real saving.

6. SBI Prime Card Review

SBI Prime card is an all-rounder card which offer exclusive benefits on dining, groceries, departmental stores, movies along with travel benefits.

Along with these benefits, you also get welcome e-gift voucher worth Rs. 3,000 (equal to annual fee) from any of the brands like Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com.

To give the cardholder a more personalised experience SBI Prime credit card offers 20 reward points per Rs. 100 spent on your birthday. So, spend on your birthday with open heart.

Reward Points & Other Benefits

  • Get 20 Reward Points per Rs. 100 spent on utility bills payments.
  • Get 15 Reward Points per Rs. 100 spent on BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores.
  • Get 10 Reward Points per Rs.100 spent on dining, groceries, departmental stores and movies
  • Earn 2 Reward Points per Rs. 100 on all other retail spends.
  • 1% fuel surcharge waiver on transaction amount ranging from Rs.500-Rs.4000.

Fee & Charges

Annual Fee – Rs 2999

You can get annual fee waiver on spending annually Rs 3 lakhs. In that case, your credit card will cost you nothing but gives you tons of benefits. Simply amazing.

Milestone Benefits with SBI Prime Credit Card

On spending Rs. 50,000 in a calendar quarter you will get one Pizza Hut e-voucher worth Rs. 1,000. This let you enjoy one Pizza Hut treat from bank every quarter.

It doesn’t stop here. You can also get gift voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs.

Complimentary Benefits with SBI Prime Card

The benefits not ended here. SBI Prime card offers a number of complimentary benefits as well. Here are these benefits.

  • 4 complimentary visits per year to international priority pass lounges.
  • 8 complimentary visits per year to domestic VISA/Mastercard lounges in India.
  • Enjoy complimentary club vistara silver membership
  • Get 1 complimentary lounge access voucher and 1 upgrade voucher
  • Earn 9 club vistara points for every Rs. 100 spent on Vistara flights
  • Get complimentary air accident liability cover of Rs. 50 lakhs
  • Get complimentary credit card fraud liability cover of Rs.1 lakh.
  • Enjoy complimentary Trident Privilege Red Tier Membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay.

My Opinion

SBI prime credit card comes with a lot of benefits which can make anyone to its fan. If you are looking for an all-rounder credit card and your annual spend with credit card is more than Rs 3 lakh then this credit card is a must one.

#7. SBI Air India Signature Credit Card Review

SBI Air India Signature credit card is one of the best SBI travel credit card. The card offer overwhelming benefits which include, every year welcome gift, bonus reward points on the basis of total spend in a year along with regular reward points.

This card becomes more special for frequent flyer with Air India. Here is all the details related to SBI Air India Signature Credit Card

Fee & Charges

First Year – Rs 4999

Renewal Fee – Rs 4999

Welcome Gift & Bonus Offer

  • Get 20,000 reward points as welcome gift in the first year.
  • Get 5,000 reward points on every renewal.
  • Spend Rs 5 lacs in a year and get 20,000 reward points.
  • Spends Rs 10 lacs in a year and get 30,000 additional reward points.
  • Cross the milestone of 20 lacs spend in a year and get 50,000 reward points.

Reward Points & Other Benefits on SBI Air India Credit Card

  • Get 30 reward points per Rs 100 spent for tickets booking for self on airindia.com
  • Get 10 reward per Rs 100 spent for tickets booked for others on airindia.com
  • Earn 10 reward points for every Rs 100 spent on ticket booking for self or others through Air India booking offices or Air India call centre.
  • Get 4 reward points for every Rs 100 spent on all other categories.
  • Get 1% fuel surcharge waiver with  across all petrol pumps.

Let’s calculate total reward points on an annual spend of Rs 20 lakh.

I am considering the least reward point (4 points per Rs 100). On spending 20 lakh you will get 80,000 reward points (0.04* 20 L).

Your total collection would be

1st year

1,20,000+80,000 = 2,00,000 (10%)

2nd year

1,05,000+80,000 = 1,85,000 (9.25%)

Wow that’s amazing

Complimentary Benefits of SBI Air India Signature Credit Card

  • Enjoy complimentary lost card liability cover of Rs 1 lakh.
  • Enjoy international Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority pass program.
  • Enjoy complimentary visa lounge access program in India at major domestic airports. Check here.

Final Review On SBI AIR India Signature Credit Card

It would be lie if I says, SBI Air India Signature Credit Card is not one of the best travel card by SBI. The cardholder will have a chance to earn 2 lakh reward points (even more) in a single year. But…

There would be very few people in India who spend more than 20 lacs in a year through their single card. Below this limit, the card becomes half effective.

If you are one the those few people then you must apply for SBI Air India Signature Credit Card. Or you are frequent traveller with Air India and have annual spend less than 20 lakh through credit card, even then this card will prove fruitful for you.

If you are not belong to any of these two categories then you should look for another card.

#8. Air India SBI Platinum Credit Card Review

SBI Air India Platinum credit card is supplementary option for air travellers who wouldn’t want to pay high annual fee on SBI Signature card.

Air India SBI Platinum card comes with an annual fee of Rs 1499 (much less as compared to signature card). Besides, the card offers enormous benefits to the card holder.

The first benefit you will get is, a welcome gift every year. In first year, you will get a welcome gift of 5000 reward points. And on every renewal you will get a welcome gift of 2000 reward points.

Air India SBI Platinum Credit Card Reward Points & Other Benefits

  • Earn upto 15 reward points for every Rs 100 spent on Air India tickets booked.
  • Spend Rs 2 lacs in a year and get 5,000 reward points.
  • Spends Rs 3 lacs in a year and get 10,000 additional reward points.
  • Get 2 Reward points for every Rs 100 spent.
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 4000 maximum upto Rs 250 per statement.
  • Enjoy complimentary lost card liability cover of Rs. 1 lakh.

Note – The cardholder will earn 15 reward points for every Rs 100 spent if booked air ticket for self. In case of booking for others the earning will be 5 reward points for every Rs 100.

#9. SBI Elite Credit Card Review

SBI Elite Credit card is premium card issued by the State bank India. SBI launched Elite card in place of SBI Signature Credit card (no longer available) by making small changes in the offers.

You will get welcome e-voucher worth INR 5000 from any of brand within 15 days (Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop)

Bonus Offers on SBI Elite Credit Card

  • 10,000 bonus reward points on achieving annual spend of 3 lakh.
  • Another 10,000 bonus reward points on annual spend of 4 lakh.
  • Add 15,000 more bonus reward points on achieving annual spend of 5 lakh.
  • Not ended yet, get another 15,000 reward points on milestone of 8 lakh annual spend.

In short, You have chance to get 50,000 reward points on annual spend of 8 lakh which are equivalent to 12,500 Indian Rupees.

Let’s Check Bonus Annual Saving

1 Reward Point = INR 0.25

Reward & Benefits on SBI Elite Credit Card

  • Earn 2 reward points for every INR 100 spent.
  • Get 10 reward points for every INR 100 spent on Dining, Departmental stores and Grocery.
  • Get Rs 500 off on BookMyShow once every month.
  • Get fuel surcharge waiver at all the fuel stations across the india on transaction between INR 500 and INR 4000

Fee & Charges

  • First Year Annual Fee – INR 4999
  • Renewal Fee – INR 4999
  • Foreign Currency Markup – 1.99% lowest (except yes bank preferred card)

Spend 10 lakh & get reversal of annual fee. No, doubt spend limit is high but this add INR 4999 into your pocket.

Complimentary Lounge Access

  • Enjoy complimentary domestic lounge access twice every quarter at airport lounges in India.
  • Complimentary membership to priority pass program worth $99. and access over 850 airport lounges worldwide. You have to a usage fee of $27 every time you visit airport lounges using your priority pass.
  • Enjoy complimentary Club Vistara Silver membership. Also get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher

Note: This premium credit card is for people who have monthly expenses of 100,000 on an average.

#10. Fbb SBI StyleUp Credit Card Review

SBI StyleUp Credit Card is a card which meets your daily shopping needs. The card lets you earn up to 10 reward points on Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures.

In addition, you also get a discount of 10% on fashion apparel, accessories, backpacks, footwear & school bags at Fbb and Big Bazaar Stores.

Along with this, you will also get a welcome Fbb gift voucher worth Rs. 500 and 2000 bonus reward points every year as anniversary gift.

Fee & Charges

Annual Fee – 499

No condition available to get annual fee waiver. Instead of that, bank gives welcome gift every year.

Reward Points & Other Benefits

  • 10% upfront discount whenever you shop for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at Fbb and Big Bazaar Stores.
  • 10 reward points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and dining expenditures.
  • 1% fuel surcharge on every transaction of Rs. 500 to Rs. 3,000.

Let me know which credit card are you applying from SBI list?

  • March 16, 2018
Pardeep Goyal
 

I am Credit Card Lover, saving over Rs. 20,000 every year by using credit cards. ------ (Credit Cards in my wallet) 1. Standard Chartered Manhattan 2. Standard Chartered Titanium 3. Ultimate Standard Chartered 4. American Express Platinum Travel 5. American Express Gold 6. HDFC Regalia 7. ICICI Saphiro JetAirways (Visa & Amex variant) ---------- I am also running a personal finance portal on cashoverflow.in and contribute on YourStory as guest author.

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