SBI Credit Cards: Every Swipe Rewards More

SBI offers a wide range of credit cards for shopping, travel, fuel, and more. Enjoy great rewards, milestone benefits, and easy EMI options tailored to your lifestyle.
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SBI Cashback Credit Card
Straightforward 5% online and 1% offline cashback with anomaly-free fee reversal.
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SBI SimplyCLICK Credit Card
High rewards across top e‑commerce platforms with easy annual fee waiver.
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SBI Platinum Corporate Credit Card
Enjoy no annual fee, free lounge access, and fuel surcharge waiver with SBI’s Platinum Corporate Card—ideal for efficient business travel and expense control.
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SBI ELITE Credit Card
Premium travel card with expansive lounge access, insurance, and lifestyle perks.
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SBI Card PRIME Credit Card
Earn high rewards on online spends with lounge access, fuel waiver, vouchers, and welcome points—perfect for a balanced lifestyle.
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SBI SimplySAVE Credit Card
Enjoy 5% rewards on dining, groceries, and movies with vouchers and fuel waiver—SBI SimplySAVE is a lifetime-free card for everyday spending.
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PhonePe SBI PURPLE Credit Card
Earn tiered reward points on PhonePe spends, online shopping, and everyday purchases, with a PhonePe voucher to offset the joining cost.
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PhonePe SBI SELECT BLACK Credit Card
The upgraded PhonePe co-brand, offering sharply accelerated points on PhonePe transactions plus a larger welcome voucher for heavier users.
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Flipkart SBI Credit Card
Cashback-first card built around Flipkart and its partner ecosystem, with a Flipkart gift card to start things off.
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Tata Neu Plus SBI Credit Card
An entry-level Tata co-brand earning NeuCoins on Tata Neu and partner brand purchases, with a small quarterly lounge perk for consistent spenders.
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Tata Neu Infinity SBI Credit Card
The higher-tier Tata Neu card, offering stronger NeuCoin returns across Tata brands and everyday UPI spends.
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Reliance SBI Card
Everyday cashback card centered on Reliance Retail, AJIO, and JioMart, with bonus rates on dining and movies.
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Reliance SBI Card PRIME
A richer version of the Reliance co-brand, doubling down on AJIO, JioMart, and Reliance Retail rewards for frequent shoppers.
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Titan SBI Credit Card
Built for Titan Group loyalists, returning strong cashback on Tanishq, Fastrack, Titan Eye+, and Helios purchases alongside lounge access.
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Landmark Rewards SBI Credit Card
Entry-level card rewarding shoppers at Landmark Group stores, with steady bonus points on dining and movies too.
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Landmark Rewards SBI SELECT Credit Card
A step up from the base Landmark card, offering higher in-store reward rates for regular Landmark shoppers.
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Landmark Rewards SBI PRIME Credit Card
The premium Landmark tier, delivering the highest in-store multiplier alongside dining, movie, and international spend bonuses.
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BPCL SBI Credit Card
Straightforward fuel rewards card offering strong returns at BPCL pumps, plus everyday bonus rates on groceries and dining.
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BPCL SBI Octane Credit Card
A higher-fee, higher-reward fuel card for serious drivers, pushing BPCL fuel returns well beyond the base BPCL card.
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IndiGo SBI Credit Card
Earn IndiGo's own loyalty currency on flight bookings and everyday spends, aimed at regular domestic flyers.
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IndiGo SBI ELITE Credit Card
The premium IndiGo co-brand, offering a sharper earn rate and richer welcome bonus for frequent flyers on the airline.
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IRCTC SBI RuPay Credit Card
A low-fee RuPay card built around IRCTC ticket bookings, with complimentary railway lounge visits included.
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IRCTC SBI Card Premier
A step above the RuPay IRCTC card, offering stronger returns on train bookings and everyday utility spends.
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SBI MILES Credit Card
Travel-focused card earning flexible travel credits on travel bookings and general spends alike.
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SBI MILES PRIME Credit Card
A richer version of the MILES card with higher travel-credit earn rates for frequent bookers.
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SBI Miles Elite Credit Card
The top MILES tier, offering the strongest travel-credit accumulation in the lineup for high-spending travelers.
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KrisFlyer SBI Credit Card
Earn Singapore Airlines' KrisFlyer miles directly on the airline's spends and international transactions.
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KrisFlyer SBI Card Apex
The premium KrisFlyer tier, offering a much higher mile-earn rate plus generous lounge access for frequent Singapore Airlines flyers.
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SBI AURUM Credit Card
SBI's invite-only flagship card, combining a flat high reward rate with a stack of complimentary lifestyle memberships.
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SBI Card PULSE
A health-and-wellness focused card offering accelerated rewards on pharmacy, dining, and movie spends, plus fitness and wellness memberships.
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Credit Card
Apollo SBI SELECT Credit Card
Co-branded with Apollo 24|7, this card returns strong rewards on healthcare purchases along with a wellness membership.
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Credit Card
Doctor's IMA SBI Card
Purpose-built for medical professionals, offering bonus rewards on medical supplies, travel, and international spends.
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Credit Card
SBI Shaurya Credit Card
A card designed for defence personnel, offering accelerated rewards on everyday categories like groceries, dining, and movies.
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SBI Shaurya Select Credit Card
The upgraded defence-personnel card, offering a stronger reward rate across the same everyday spend categories.
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SBI Credit Cards: Compare & Optimize Your Wallet

SBI Cards and Payment Services is the country's number one pure-play card issuer, ranging from budget-conscious shoppers to the most premium travel assets. It was established in 1998 as a joint venture between State Bank of India and GE Capital, and in 2017 it underwent a significant reorganization, with Carlyle taking over GE's stake. It became the first pure-play credit card company to go public on Indian stock exchanges in March 2020. With the strong backing and physical presence of its parent bank, SBI Cards now has a large digital credit empire, with more than 22.24 million active credit cards in circulation.

The secret to finding the best SBI credit card is not to focus on the welcome bonus. Rather, you must align your household cash flow with the card's point-multiplier system so that you can either scan the QR code in your local area or earn the most from online shopping portals. An in-depth look at the card catalog, the limits on monthly transactions, and the actual numbers behind the bank's utility business, all without you having to pay any hidden fees!

Best SBI Credit Card List: Top Options Compared

The best card for you will be the one that returns the most money to your hands after accounting for its ownership costs. If you're interested in finding an SBI top credit card that suits your lifestyle, cut the marketing jargon and compare the performance of the core lineup head-to-head.

 Card Name

 Best For

Direct Value Engine

Base Annual Fee

Milestone Surcharge Release

Tata Neu Infinity SBI Credit Card

Tata Brand Loyalists

Up to 10% NeuCoins on Tata brands + 1.5% on others & UPI + 8 domestic/4 international lounge visits

₹1,499

Waived if you spend ₹3 Lakh annually

BPCL SBI Octane Credit Card

Heavy Fuel Spenders

25 RPs/₹100 on BPCL fuel (7.25% back) + 10 RPs on groceries/movies/departmental stores

₹1,499

Waived if you spend ₹2 Lakh annually

SBI Card PULSE

Health and  Wellness

10 RP/₹100 on pharmacy, dining, and movies + 2 RPs on other spends + 8 domestic lounge visits/year

₹1,499

Waived if you spend ₹2 Lakh annually

Reliance SBI Card PRIME

Frequent Reliance Retail Shoppers

10 RPs/₹100 on Reliance Retail, 5 RPs on dining/movies/international + 8 domestic/4 international lounge visits

₹2,999

Waived if you spend ₹3 Lakh annually

SBI AURUM Credit Card

Invite-Only HNI Segment

Flat 4 RPs/₹100 (1%) + unlimited international lounge access + premium lifestyle memberships

₹9,999

Waived if you spend ₹12 Lakh annually

 

Fine-Print Reality Check: Reward Caps & Surcharges

Even the absolute best SBI credit card options have built-in guardrails designed to protect the issuer's profit margins. If you don't track these limits, your rewards velocity can hit a sudden wall:

Exploring SBI Credit Cards with No Annual Fee?

Let's answer a frequently asked question in the industry. The usual retail cards charge an annual fee, but from time to time the issuer may sponsor a special promotion with waived fees. But you can save yourself this extra fee. All variants include an automatic fee waiver for your annual fees. If you hit the spending threshold you've set for the year, the fee is waived on the next statement.

Streamlining Account Management via the SBI Card Mobile App

After completing the entire SBI credit card application process and digital card activation, your daily activities move to a smartphone app developed by the bank. The SBI Card mobile app is very efficient, permitting you to deal with your account metrics without contacting customer support:

Eligibility Metrics & Processing Rules

Before initiating an online SBI credit card application, ensuring your core financial profile aligns with their processing engine prevents sudden rejections:

Point Redemption Metrics

The real-world value of your points changes entirely depending on how you choose to cash them out. The table below outlines how to map your earnings efficiently across their internal catalog:

  Redemption Method

  Target Value Per Point

  Best Real-World Application

  Partner Brand E-Vouchers

Up to ₹0.25

Exchanging points for digital shopping vouchers via the internal reward store.

  Air Miles Conversion

Varies by Travel Co-Brand

Transferring points directly to airline partner portals to secure free premium flights.

  Statement Cash Clearing

Up to ₹0.25 (Select Cards)

Converting points directly to clear your regular outstanding balance on your statement.

 

If you want your card math to work out profitably, using points for brand vouchers or travel miles yields the highest return. If you'd rather check out option pools from other major banks before locking in an application, you can cross-compare these reward rates against our master Travel Credit Cards index or view everyday shopping options via our comprehensive Cashback Credit Cards portal.

What Happens When You Join?

When your application is officially approved and you clear your initial joining statement fee, the issuer triggers the best SBI credit card offers known as a joining bonus or welcome package. These benefits can range from complimentary gift cards on shopping options to high-value travel credits on premium co-brands.

Furthermore, if you ever make a major holiday or electronics purchase that stretches your short-term budget, you can easily use the app's internal EMI conversion tools to split the balance into manageable monthly payments.

Clear Next Steps

Ready to add a highly optimized card to your wallet? Let's make sure your approval journey runs smoothly from day one.

Frequently Asked Questions 

Q1. How many active credit cards does SBI Card have?

SBI Card is India’s leading pure-play issuer, commanding a massive credit empire with over 22.24 million active credit cards in circulation.

Q2. Which SBI credit card is best for everyday online shopping?

The CASHBACK SBI Card is the best option for flat cashback, offering 5% cashback on eligible online purchases, capped at ₹5,000 per month.

Q3. Does SBI Card offer any credit cards with no annual fee?

Standard retail SBI cards carry an annual fee, but it is automatically waived for the next statement cycle if you meet the card's annual spend milestone.

Q4. What is the minimum credit score required for an SBI credit card?

To improve your chances of faster approval for an SBI credit card, maintain a healthy credit profile with a credit score of at least 750.

Q5. Why there is a fee when redeeming SBI reward points?

Every time you cash out your accumulated reward points for brand vouchers or statement credit using the mobile app, SBI Card charges a flat processing fee of ₹99 plus applicable taxes