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Key Features of SBI Credit Cards

  • Reward Points: Earn points on every spend, redeemable for gifts, vouchers, or air miles.
  • Fuel Surcharge Waiver: Get a waiver on fuel transactions (terms apply).
  • Airport Lounge Access: Complimentary access at domestic & international lounges (select cards).
  • EMI Facility: Convert big purchases into easy EMIs.
  • Contactless Payments: Tap & pay with NFC-enabled cards.
  • Zero Fraud Liability: Protection against unauthorized transactions.
  • Add-on Cards: Share benefits with family members.
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Benefits of SBI Credit Cards

  • a) Shopping Benefits: Discounts on e-commerce sites (Amazon, Flipkart, Myntra, etc.).
  • Exclusive offers: On dining, movies, and entertainment.
  • b) Travel Benefits: Free air tickets, hotel discounts, and travel insurance.
  • Complimentary lounge access: Railway lounge access (select cards).
  • c) Cashback & Discounts: Up to 10% cashback on select categories (fuel, groceries, dining).
  • d) Insurance & Security: Air accident cover (up to ₹1 crore on premium cards).
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How to Apply for an SBI Credit Card?

  • Online Application: Visit www.sbicard.com, select the desired card, fill in personal & financial details, upload KYC documents (PAN, Aadhaar, Income Proof), submit & track application status.
  • Offline Application: Visit the nearest SBI branch, submit a physical application form with documents.

Eligibility Criteria

  • Age: 21-70 years (18+ for student/add-on cards).
  • Income: Minimum ₹15,000-₹25,000 per month (varies by card).
  • Credit Score: 750+ for higher approval chances.
  • Employment: Salaried, self-employed, or professionals.
  • Residential Proof: Applicant must provide valid proof of permanent or current residence.
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Factors to Consider Before Choosing an SBI Credit Card

  • Spending Habits: Travel, Shopping, Fuel, Dining.
  • Annual Fees: Some cards have lifetime free options.
  • Reward Structure: Points, Cashback, Air Miles.
  • Interest Rate: Usually 1.99%-3.5% per month.
  • Additional Benefits: Lounge access, insurance, discounts.

How to Use SBI Credit Card Wisely?

  • Pay bills on time: To avoid late fees & high interest.
  • Utilize reward points: Before expiry.
  • Keep credit utilization below 30%: For a good credit score.
  • Enable SMS/email alerts: For transaction tracking.

FAQs on SBI Credit Cards

How to check SBI credit card application status?
Visit sbicard.com → Track Application. Call customer care: 8885545255.
What is the interest-free period?
Up to 50 days (if full payment is made by due date).
How to activate an SBI credit card?
Via SMS: Send "ACT XXXX" (last 4 digits) to 5676711. Via NetBanking/Mobile App.
How to redeem SBI reward points?
Log in to SBI Card Rewards Portal → Redeem for gifts, vouchers, or flight miles.
What is the late payment fee?
₹100 - ₹1,000 (depends on total due amount).
How to increase SBI credit card limit?
Submit income proof via NetBanking or branch. Wait for automatic limit enhancement (based on usage).
How to block a lost/stolen SBI credit card?
Call 24x7 helpline: 1860 180 1290. Block via YONO SBI or SBI Card App.
Are there any hidden charges?
Annual fees, GST, foreign transaction fees (3.5%), and cash advance fees apply.

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