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SBI Credit Card

SBI credit cards are designed to cater to a variety of spending needs, offering a range of features and benefits. Whether you're seeking rewards, cashback, travel perks, or premium lifestyle advantages, SBI provides a credit card to suit your preferences. Enjoy earning reward points on every purchase, cashback on select categories, and exclusive discounts with partner merchants. Premium cards offer additional perks like complimentary airport lounge access, comprehensive travel insurance, and concierge services. With flexible redemption options and special offers, SBI credit cards enhance your financial management and lifestyle.

SBI Credit Card for everyone

  • All Bank
  • ICICI Bank
  • Axis Bank
  • AU Bank
  • HDFC Bank
  • HSBC
  • IndusInd
  • SBI
  • IDFC
  • Others
  • RBL Bank
Top Cards
Top cards
UPI Rupay
Lifetime Free
Lounge
Reward
Movies
Fuel
Travel
Shopping
Dining
Luxury

SBI Credit Cards - Eligibility Criteria

  1. Age:

    • Primary Cardholder: Minimum 21 years and maximum 65 years.
  2. Income:

    • Salaried Individuals: Minimum annual income of ₹3,00,000 to ₹5,00,000, depending on the card type.
    • Self-Employed Individuals: Minimum annual income of ₹5,00,000, varying by card type.
  3. Employment Status:

    • Salaried: Must be employed with a reputable company or government organization.
    • Self-Employed: Must have a stable business or profession.
  4. Credit Score:

    • A good credit score is generally required. Specific requirements may vary by card type and applicant profile.
  5. Residency:

    • Indian residents with a valid address proof in India.
  6. Existing SBI Customers:

    • Existing customers with a positive banking relationship may benefit from streamlined processing and special offers.

Required Documents

  1. Identity Proof:

    • Aadhar card
    • Passport
    • Driving license
    • Voter ID
  2. Address Proof:

    • Utility bill (electricity, water, gas)
    • Passport
    • Rent agreement
    • Bank statement with address
  3. Income Proof:

    • Salaried: Salary slips for the last 3 months or bank statements showing salary credits for the last 6 months.
    • Self-Employed: Income tax returns (ITR) for the last 2 years, bank statements for the last 6 months, and business registration documents.
  4. Photographs:

    • Recent passport-sized photographs (usually 1-2).
  5. PAN Card:

    • A copy of the Permanent Account Number card.
  6. Bank Statements:

    • Bank statements for the last 3-6 months, depending on the card type and income proof requirements.
  7. Additional Documents:

    • For premium cards: Additional proof of income or assets may be required.
    • For business credit cards: Proof of business, such as business registration documents or trade license.

How To Apply For SBI Credit Card

  1. Go to the EaseMyDeal website or app & Navigate to the credit card section
  2. Use the eligibility checker tool provided & based on this information, the platform will show you credit cards for which you are eligible.
  3. Compare different credit cards features such as annual fees, interest rates, rewards programs, and other benefits.
  4. Choose the credit card that best matches your needs and preferences.
  5. Click on ‘Apply button’ for the selected credit card.
  6. Enter your Name, Number & Email to get Extra EMD Cashback Benefits and submit OTP
  7. You will be redirected to the bank’s official website or a secure portal to fill out the credit card application form.
  8. Enter your personal details, contact information, employment details, etc., accurately.
  9. Review all the information provided and ensure it is accurate.
  10. Submit the application form.

Frequently Asked Questions

Depending on your lifestyle and usage, you can select among a variety of SBI credit cards that give value back. For example:

  • Tata Platinum Card gives you up to 5% value back on spending at selective outlets.
  • Tata Titanium Card gives you 1.5% value back on spending at Croma and cromaretail.com, and up to 5% value back on spending at Tata Outlets.
  • SBI Card Unnati gives you Rs. 500 cashback on annual spending of Rs. 50,000.
  • BPCL SBI Card gives you a 4.25% value back and 13X Reward Points on spending every Rs. 100 on fuel purchases.
  • Chennai Metro SBI Card gives you 2000 Bonus Cash Points on spending Rs. 2,000 in the first 60 days.

Salary requirements may vary for different credit cards offered by SBI. However, usually, the bank requires you to have a minimum monthly salary of Rs. 20,000.


Yes. You can have more than one credit card from SBI as long as you meet their qualification criteria. If you have always managed your current credit card efficiently, it can be easier for you to get approval for the new credit card.

Yes, you can easily convert SBI Credit card reward points into cash provided if your card carries the feature of redeeming into cash.  You can redeem the reward points into cash by various options like write an email by login into the net banking of SBI credit card or call at the toll-free number 1800 180 1290 or (prefix local STD code) 39 02 02 02 and request for the points conversion in cash.

Reward points on your SBI Credit Card account can be redeemed in several ways. For Gift Voucher, redeem through sbicard.com or SBI credit card application. You can review rewards catalogue online and redeem points there itself.

You can directly mail to the bank at sbicard.com/email or call the SBI Credit Card helpline for redemption against cash.

No, you can't. You need to have a minimum salary of Rs. 20,000 month for availing SBI Credit Card.


If you are an SBI credit cardholder you can get your limit revised: 

If you are pre-approved for credit limit offer. You would not need any document to avail such an SBI Credit Card offer. The bank will inform you about the offer by SMS to your registered Mobile Number, Email, Monthly Statement or online in your Login Section.
You can request formally to the bank and submit income documents. You are required to email bank at sbicard.com/email and wait for a response for 2 working days. You can also contact SBI Card helpline number.
You can also contact MyMoneyMantra Credit Card Team for all your SBI Credit Card details, queries, and requests.

You get complete flexibility to make the payment for your SBI Credit Card. You can choose the mode according to your convenience. The available options are:

  • Online net banking
  • NEFT
  • NACH or National Automated Clearing House
  • SBI Auto Debit
  • Paynet-Pay Online
  • SBI Mobile Banking
  • Online SBI
  • Debit Card
  • Mobile App Payment
  • Visa Credit Card Pay
  • Electronic Bill Payment
  • Over the Counter
  • SBI ATM
  • Electronic Drop Box
  • Manual Drop Box

SBI credit cards offer a range of benefits including reward points on every purchase, cashback on specific categories, discounts on dining, shopping, and travel, as well as access to exclusive offers and services like airport lounges and concierge support.

Yes, new SBI credit cardholders often receive attractive welcome offers such as bonus reward points, cashback on first transactions, and exclusive discounts. Check the latest offers when you apply for your card.

Credit Cards Available for SBI