SBI Bank Credit Cards 2026 - Compare All Cards, Benefits & Reviews | Card24.ai
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SBI Bank Credit Cards

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Compare SBI credit cards for cashback, travel, lifestyle, fuel, co-branded rewards and more - all reviewed and updated monthly by the card24.ai team. Apply online in minutes.

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Best SBI Bank Credit Cards

Compare all SBI Bank credit cards in one place. Browse detailed reviews, benefits, fees, rewards, and expert recommendations to find the right card for your needs.

Which SBI Credit Card Should You Choose?

Choose Cashback if

You shop online across all platforms and want flat 5% cashback with zero redemption complexity.

Choose BPCL Octane if

You fill up at BPCL pumps and want the highest fuel cashback and surcharge waiver.

Choose Elite or Miles Elite if

You travel frequently and want lounge access and air miles on every spend.

Choose Prime or AURUM if

You spend big on dining and lifestyle and want accelerated reward points every month.

SBI Credit Cards - Overview

A comprehensive guide to SBI credit card benefits, reward programs, and eligibility.

Why Choose an SBI Credit Card?

SBI credit cards offer four distinct advantages:

  • Widest Co-brand Network in India - SBI Card has co-branded partnerships with more brands than any other Indian card issuer, including IndiGo, Singapore Airlines, IRCTC, Flipkart, Tata Neu, BPCL, PhonePe, Apollo, Titan, Reliance, and Landmark - giving targeted value to cardholders across virtually every spend category.
  • Flat Cashback on Online Spends - The SBI Cashback Credit Card offers a flat 5% cashback on all online spends - no merchant restrictions, no redemption portal - credited directly to the statement. It remains one of the strongest online cashback cards in India.
  • Travel Cards for Every Budget - From the entry-level SBI Miles card to the premium SBI Miles Elite, and from IRCTC co-branded train cards to IndiGo and KrisFlyer co-branded flight cards, SBI Card has a travel product for every type of traveller at every spend level.
  • Trusted Public Sector Backing - SBI Card's deep integration with SBI's banking network means cardholders across tier 2 and tier 3 cities can access card services, make bill payments, and manage limits more easily than with most private sector issuers.

Types of SBI Credit Cards

SBI Card organises its portfolio across seven categories - the broadest category spread of any Indian credit card issuer:

  • Premium Cards - The SBI Card AURUM is SBI's most exclusive card, offering unlimited lounge access, golf privileges, and high reward earn rates. The SBI Elite Credit Card and SBI Prime Credit Card sit in the upper-mid premium segment, with lounge access, dining rewards, and milestone benefits. The SBI Miles Elite and SBI Miles Prime cards are built for premium international travellers.
  • Cashback Cards - The SBI Cashback Credit Card offers a flat 5% cashback on online spends across all platforms - one of the cleanest cashback structures in India. The SBI SimplyCLICK Credit Card earns 10X reward points on partner brands including Swiggy, Amazon, Myntra, BookMyShow, Cleartrip, and Dominos.
  • Travel Cards - The SBI Miles Credit Card is SBI's entry-level travel miles card. For frequent flyers with airline loyalty, the IndiGo SBI Credit Card and IndiGo SBI Elite Credit Card earn 6E rewards on IndiGo bookings. The KrisFlyer SBI Credit Card and KrisFlyer SBI Card Apex earn Singapore Airlines KrisFlyer miles on all spends. For train travellers, the IRCTC SBI RuPay Credit Card and IRCTC SBI Card Premier earn reward points on IRCTC bookings with zero transaction fee surcharge.
  • Fuel Cards - The BPCL SBI Credit Card and BPCL SBI Card Octane are co-branded with BPCL and offer fuel surcharge waiver and reward points at BPCL pumps. The Octane variant earns at a higher rate and suits users spending ₹3,000 or more per month on fuel.
  • Shopping & Co-brand Cards - The Flipkart SBI Credit Card offers 5% cashback on Flipkart and 2% on other platforms. The Tata Neu Plus SBI Card and Tata Neu Infinity SBI Card earn NeuCoins across the Tata ecosystem - BigBasket, Air Asia, Croma, Tata Cliq, and more. The PhonePe SBI Purple and Select Black cards reward UPI spends. The Reliance SBI Card and Titan SBI Credit Card provide targeted value for Reliance and Titan brand loyalists respectively. The Landmark Rewards SBI range covers retail shoppers across three tiers.
  • Lifestyle & Health Cards - The SBI Card PULSE is SBI's health-focused card, offering rewards on gym memberships, pharmacy spends, and health app subscriptions. The Apollo SBI Select Credit Card provides cashback on Apollo Pharmacy purchases.
  • Special Category Cards - The SBI Shaurya Credit Card and Shaurya Select Credit Card are lifetime free cards designed exclusively for defence personnel. The Doctor's IMA SBI Card is co-branded with the Indian Medical Association for healthcare professionals.

How to Choose the Right SBI Credit Card

With over 25 cards in SBI's portfolio, the right choice depends on your primary spend category:

  • For online shoppers - The SBI Cashback Credit Card gives 5% back on every online transaction with no merchant restrictions. The SBI SimplyCLICK Credit Card is the better pick for users who concentrate spends on specific partner platforms like Swiggy, Amazon, or Myntra for 10X rewards.
  • For airline loyalists - IndiGo flyers should consider the IndiGo SBI Credit Card or IndiGo SBI Elite. Singapore Airlines frequent flyers should look at the KrisFlyer SBI Card or Apex for miles accumulation on everyday spends.
  • For train travellers - The IRCTC SBI RuPay Credit Card and IRCTC SBI Card Premier are the strongest options, offering direct reward points on IRCTC bookings and zero convenience fee on transactions.
  • For fuel savings - The BPCL SBI Card Octane is the highest-earning fuel card in SBI's portfolio for BPCL pump users. It pairs well with users spending ₹3,000+ on fuel monthly.
  • For Tata or Flipkart shoppers - The Tata Neu Infinity SBI Card earns NeuCoins across the full Tata ecosystem. The Flipkart SBI Credit Card is the stronger pick for Flipkart-first shoppers.
  • For premium rewards - The SBI Card AURUM is SBI's flagship for high spenders, followed by SBI Elite and SBI Miles Elite for the travel-premium segment.

SBI credit card eligibility requires a minimum monthly salary of ₹20,000 for entry-level cards, with premium cards like Elite, Prime, and AURUM requiring ₹40,000–₹60,000 or above. A CIBIL score of 700+ is the standard baseline, with 750+ recommended for premium variants. SBI credit card limit ranges from ₹50,000 for entry-level cards to ₹5 lakh or more for premium cardholders.

Fees, Interest Rates & Card Management Tips

SBI credit card interest rate is 3.50% per month (42% per annum) on outstanding balances after the due date. Pay the total outstanding - not just the minimum - before the due date to avoid all interest charges.

SBI credit card annual fees range from ₹0 (Shaurya - lifetime free for defence) to ₹499 for entry-level co-brands (SimplyCLICK, BPCL, Flipkart, SimplySAVE) up to ₹9,999 for the AURUM. Most cards offer annual fee waiver on meeting minimum annual spend thresholds.

For card management:

  • Activate your SBI credit card via the YONO SBI app, SBI Card website, or by calling SBI credit card customer care on 1860-180-1290.
  • Check your SBI credit card statement via the YONO app, sbicard.com, or monthly e-statements to your registered email.
  • Pay your SBI credit card bill via UPI, NEFT, YONO app, or auto-debit from your SBI savings account.
  • For SBI credit card login, visit sbicard.com or use the YONO SBI app - OTP-based access on both.

How to Apply for an SBI Credit Card

Apply for an SBI credit card online at sbicard.com or via Card24.ai. Compare available cards, check eligibility, and click Apply Now to proceed to the official page.

Basic eligibility:

  • Age: 18–65 years
  • Minimum salary: ₹20,000/month for entry cards; higher for premium
  • CIBIL score: 700+ recommended; 750+ for Elite, Prime, AURUM
  • Documents: PAN, [Aadhaar Redacted] or address proof, latest salary slip or Form 16

Existing SBI account holders can apply through YONO SBI with pre-filled applications in select cases. Standard processing: 7–10 working days.

Frequently Asked Questions

Everything you need to know about SBI Bank credit cards.

The best SBI credit card depends on your primary spending category. For online shopping, the SBI Cashback Credit Card offers a flat 5% cashback with no merchant restrictions - the strongest flat cashback card in SBI's portfolio. For EMI on online purchases, it also offers the best return. For frequent flyers, the SBI Elite, SBI Miles Elite, or airline co-brands like the KrisFlyer SBI Card or IndiGo SBI Elite are the stronger options. For premium all-round rewards, the SBI Card AURUM sits at the top of the portfolio. Use card24.ai to compare all SBI cards by category.

The SBI Cashback Credit Card is the best SBI card for online shopping - it offers a flat 5% cashback on all online spends, across every platform, with no category restrictions. The SBI SimplyCLICK Credit Card is the better pick for users who concentrate spends on specific partner platforms, earning 10X reward points on Swiggy, Amazon, Myntra, BookMyShow, Cleartrip, and Dominos. For Flipkart shoppers specifically, the Flipkart SBI Credit Card offers 5% cashback on Flipkart and Myntra.

Yes - the SBI Shaurya Credit Card and SBI Shaurya Select Credit Card are lifetime free cards, available exclusively to Indian defence personnel with no joining or annual fee. For the general public, most SBI cards carry an annual fee, though these are waived on meeting annual spend thresholds. SBI also periodically offers fee waivers on select cards through targeted promotions. Existing SBI bank customers with strong relationship history may receive waived-fee offers in select cases.

Apply for an SBI credit card online at sbicard.com or via card24.ai. Compare all available SBI cards, review eligibility, and click Apply Now. Documents required: PAN card, address proof, and income proof. Existing SBI account holders can use the YONO SBI app for pre-filled applications in select cases. Standard processing is 7–10 working days.

The minimum salary for most entry-level SBI credit cards is ₹20,000 per month. Cards like the SBI SimplyCLICK, SBI SimplySAVE, Flipkart SBI, and BPCL SBI card are available at this threshold. Premium cards like SBI Elite, Prime, and AURUM require a higher monthly income - typically ₹40,000 to ₹75,000. Self-employed applicants are assessed on ITR, generally requiring ₹3–5 lakh net annual income for entry-level cards and higher for premium variants.

Activate an SBI credit card via the YONO SBI app (Cards > Activate), at sbicard.com under the Requests tab, or by calling SBI credit card customer care on 1860-180-1290. Activation via OTP takes a few minutes after receiving the physical card.

Among SBI's full portfolio, cards with airport lounge access include: SBI Card AURUM (unlimited domestic + international), SBI Elite (complimentary domestic + select international), SBI Prime (select domestic), SBI Miles Elite and Miles Prime (domestic and international), IndiGo SBI Elite, and KrisFlyer SBI Card Apex. Of the cards currently live on card24.ai, the SBI Elite Credit Card is the only option with lounge access. As more cards go live on the site, this section will be updated.

SBI credit card limits are set based on income, CIBIL score, existing liabilities, and the card tier applied for. Entry-level cards (SimplyCLICK, Flipkart SBI, BPCL SBI) typically start at ₹50,000–₹1.5 lakh. Mid-tier cards (Prime, Miles) generally range from ₹1.5–₹3 lakh. Premium cards (Elite, AURUM, Miles Elite) can extend to ₹5 lakh or above for high-income applicants. Credit limit enhancement is available after 6 months of consistent repayment by requesting through sbicard.com or calling customer care. A CIBIL score of 750+ significantly improves the initial limit offered.

SBI credit card interest rate is 3.50% per month (42% per annum) on outstanding balances after the due date. This applies when the total outstanding is not paid in full by the due date. Paying only the minimum due does not prevent interest from accruing on the remaining balance.

Students with regular income can apply for entry-level SBI cards like the SBI SimplyCLICK or SimplySAVE, which have lower income thresholds. SBI Card also offers secured credit cards issued against a fixed deposit, which are accessible to students and first-time credit users with no credit history - and help build a CIBIL score over time. For students who shop online frequently, the SBI Cashback Credit Card's flat 5% cashback structure makes it the most straightforward option if the income eligibility is met.