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SBI Credit Card -Know Their Features & Benefits

In the present-day world, credit cards are a major necessity. Like there are different types of SBI debit card, there are also different SBI credit card designed to meet your different varying needs. Now, it is simpler than ever before for the salaried to place an application for a credit card because of the instant approval procedure. As SBI is one of the largest issuers among all banks, more and more people are applying for the SBI credit card for the various advantages and benefits that they provide.

SBI credit cards provide some prudent rewards, discounts, and benefits to you as compared to other issuers in India. However, selecting the prudent credit card can be extremely challenging; every credit card comes with its set of pros and cons.

Here in this article, discussed are different types of SBI credit cards that you can select as per your requirements and preference –

Top SBI credit cards –

SBI SimpleSave credit card

As a salaried person, you do a lot of regular transactions such as spending on entertainment, movies, dining and at the departmental stores. SBI SimpleSave card offers you up to 10 times higher rewards with every buy using the credit card.

Top benefits and features of SBI SimplySave credit card –

∙       SBI SimplySave credit card offers different reward points per buy that can be utilized to simply redeem gifts from the SBI rewards catalogue. As a welcome bonus for customers, you will receive reward points of up to 2,000 on making the purchases in the first 2 months; rewards points are equal to the amount you transact in rupees.

∙       Unlike other credit cards with heavy renewal charges, the standard renewal rate is only Rs 499, which can simply if waived if you make a transaction of Rs 1 lakh in the annual year.

∙       SimplySave credit card is worldwide accepted in over 2.4 crore outlets.

∙       SBI SimplySave credit card can easily be utilized for making costly buys on EMI.

∙       Any outstanding balance on other credit cards can easily be transferred to your SBI SimplySave credit card, which can be easily paid in the form of EMIs at a lower rate of interest.

∙       SBI SimplySave credit card allows you to avail up to three add-on credit cards.

∙       Anyone in a family aged more than 18 years can take up add-on cards.

∙       Through the card, you can pay fuel bills with zero additional surcharge

∙       You just need to pay Rs 99 to redeem your reward points on the SBI SimplySave credit card.

SBI SimplyCLICK credit card –

If you do substantial online shopping, then SBI SimplyCLICK credit cards act as a lifesaver for you. Additionally, to provide rewards on every buy, you also get 10x credit card rewards from your partner sites and 5x rewards from your non-partner sites.

Benefits and features of SBI SimplyCLICK credit cards –

∙       You receive just 1 reward point on each Rs 100 spent, and the reward is just 10X on the online buy via partnered sites and 5X on the rest of the sites

∙       If you are a new customer, this credit card offers you with Amazon e-gift voucher equaling Rs 500 as a welcome bonus.

∙       The renewal and registration fees are trivial, i.e., just Rs 499 and the registration fees can simply be waived on spending at least Rs 1,00,000 in a membership year.

∙       This credit card comes with the wave and pay strategy, which enables you to make your payment contactless by just waving at retail terminals.

∙       These credit cards can be globally used at more than 2.4 crore outlets.

∙       SBI SimplyCLICK credit card provides the choice of an add-on credit card.

∙       You can use the card for conducting costly buys on an EMI basis.

∙       You can transfer all your outstanding balances on the other issuer’s credit card to the SBI SimplyCLICK card to pay back your EMIs at reduced finance charges.

∙       You can simply get customer service help at any time.

∙       Also, you can get a 1 per cent fuel charge waiver on each fuel transaction at any petrol station in India for up to Rs 300.

∙       You may need to pay Rs 100 to replace your credit card if it is accidentally stolen.

SBI Card Prime

SBI Card Prime offers a huge range of advantages and rewards to you as a customer. It provides different rewards on new joining, milestone completion and expenditures performed via multiple mediums like lifestyle, fuel, and travel. In case you love purchasing online and travelling, then this may be the right credit card for you.

Benefits and features of SBI Card Prime –

With SBI Card Prime, you get entitled to 2 reward points on each Rs 100 spent. The reward points are 10X higher on expenditures made on your birthday and 10X higher reward points on the utility bills. Buys through BigBasket will provide 15 reward points on spending every Rs 100. Movies, grocery, dining, and departmental stores expenditures offer 5X reward points.

∙       You will get an e-gift voucher equaling Rs 3,000 as a joining benefit.

∙       Every year, you may receive a gift voucher equaling Rs 7,000 from Yatra and Pantaloons for spending Rs 5 lakh per year.

∙       Renewal fee for SBI Prime Card is a little higher at Rs 2,999. But you can avail full waiver upon spending Rs 3 lakh in an annual year.

∙       You can get dining, travelling, and shopping offers.

∙       Discount on flight, hotel, or bus booking through EaseMyTrip

∙       EMI option is available on booking through Goibibo, Cleartrip and Yatra.

∙       8 free domestic airport lounge visits & 4 free international airport lounge visits every year.

∙       10 per cent discount on the bookings through hotel sites.

∙       1,500 bonus points on your first hotel stay.

∙       Rs 1 lakh insurance on credit card frauds

∙       Air accident insurance covers up to Rs 50 lakh

∙       1 per cent (up to Rs 250) fuel surcharge on fuel expenditure transactions between Rs 500 and Rs 4,000 across all the petrol pumps.

∙       20 per cent discount on Zomato orders (minimum Rs 300).

∙       EMI repayment option for costly purchases available in online stores.

SBI elite cards –

SBI introduced this credit card, particularly for individuals who frequently travel throughout the country and world. It has various offers on hotels, flights, movies, dining etc. SBI elite credit card is a next-level card.

Benefits and features of SBI elite card –

∙       Avail 2 reward points for every Rs 100 spent, including both international and local expenditures.

∙       Foreign exchange mark-up charge for international use equals 1.99 per cent, which is comparatively lower than other SBI cards.

∙       Renewal fee equaling Rs 4,999 can easily be waived off if you spend an amount of Rs 10 lakh in a membership year. 

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