More Time to Pay Your Credit Card Bills.

SBI Credit Card Fees and Charges

Before you opt for an SBI Credit Card, it’s wise to understand the key costs that may come with it. These fees are standard for most retail SBI Credit Cards, although some premium cards may have different pricing tiers. All amounts are before GST.

Type	Fees & Charges
Annual fees	Nil to ₹9,999 (joining and annual fee range, varies by SBI card variant)
Interest rates & finance charges	3.35% per month on unpaid amounts (~40.2% per annum) if you do not pay the total amount due by the due date.
Late payment fees & other charges	●     ₹0–₹200 = Nil ●     ₹201–₹500 = ₹100 ●     ₹50 –₹1,000 = ₹400 ●     ₹1,001–₹10,000 = ₹500 ●     Above ₹10,000 = ₹750 ●     Overlimit fee = 2.5% of overlimit, min ₹500 ●     Payment dishonour fee = 2% of payment amount, min ₹350
Foreign transaction fees	●     3.5% forex mark-up on the INR value of most foreign currency transactions ●     1.99% forex mark-up on SBI Card Elite (and similar premium variants)

Key Benefits of SBI Credit Cards

Opting for an SBI Credit Card means you get more than just a way to make purchases. You also have access to a variety of services to help manage everyday payments and larger expenses. Here are some essential features of the SBI Credit Card:

• SBI Card lets you transfer balances from other cards at a lower interest rate or move big spends to EMIs using Balance Transfer, Balance Transfer on EMI and Flexipay.
• With Encash, you can get a pre-approved amount (up to or sometimes above your credit limit) directly into your bank account, usually within a few working days.
• Most SBI cards support contactless payments, such as SBI Card Pay/Scan & Pay. This allows for quicker small purchases at stores or through Bharat QR.
• With Auto Bill Pay, Fetch & Pay, Fast Pay, Top-Up & Recharge, and recurring e-mandates, paying electricity, mobile, gas, broadband, and other bills on time is easy with a card. It also needs minimal manual tracking.
• You can manage everything through sbicard.com, the SBI Card Mobile App, Simply SMS, Missed Call Service and YONO SBI. The site enables you to check limits and statements for booking EMIs and viewing offers, without visiting the site.
• SBI Card also lists insurance plans linked to the card for health, accident, travel, and card-related risks.
• Across lifestyle, shopping, travel & fuel and co-branded cards, SBI highlights reward points, cashback, fuel surcharge waivers, lounge access and partner offers as ongoing benefits. Each card focuses on a different spending pattern.

SBI Credit Card Eligibility Criteria

Before applying for an SBI Credit Card, it is helpful to understand the fundamental criteria the bank considers for card eligibility. The table below presents the essential eligibility requirements:

Criteria	Details
Age	Applicants should be 21 to 70 years old. SBI also mentions bands like salaried 21+, retired pensioners 40+, and self-employed 25+ (card-specific).
Income	Must be salaried, self-employed or a retired pensioner with a regular, verifiable income. The exact minimum income depends on the card and SBI’s internal policy.
Residential status	Must have a valid Indian address in a serviceable location and a good credit profile/score.
Documents required	PAN, masked Aadhaar or other government address proof, plus income proof (salary slips / ITR). SBI also accepts standard KYC proof such as a passport, voter ID, driving licence, and utility bills.

Documents Required for SBI Credit Card Application

When you apply for an SBI Credit Card, the bank first reviews your basic details. You will need to provide several standard documents for this. Having them on hand will help make the SBI Credit Card application process smoother and quicker:

• Identity proof: You will need a valid photo ID to verify your identity with the bank. This can be your PAN card, Aadhaar card, Passport, Voter ID or Driving Licence.
• Address proof: The bank also checks your current residential address. You can submit an Aadhaar card, a Passport, a Driving Licence, a Voter ID, or a recent utility bill (electricity, water, or telephone).
• Income proof: To assess your repayment capacity, SBI requires proof of income. Salaried applicants generally provide recent salary slips or bank statements showing salary credits. Self-employed applicants can share their latest Income Tax Returns or similar income records, and in some cases, recent bank statements as well.
• Photographs: Recent passport-size pictures are needed to complete the application or KYC, especially if any part of the process is done offline.

How to Block / Unblock SBI Credit Card

There must be times when you need to pause your SBI Credit Card for safety, or resume it when everything is back to normal. Here’s a simple way to handle it:

How to Block Your SBI Credit Card

• Through the SBI Card Mobile App: Open the app, go to Services, choose Block Card, select the card you want to block, and confirm the request.
• Through the SBI Card Website: Log in, open the Services section, choose Block Lost/Stolen Card, pick the card and submit the request.
• By Calling Customer Care (24×7): Call 1860 180 1290 or 3902 0202 (add local STD code). Tell the executive that the card has been lost, stolen, or compromised, and request immediate blocking.
• Via SMS (if you cannot access the app or the internet): Send BLOCK to 5676791 from your registered mobile number. You will receive a confirmation that the card has been blocked.
• Through IVR (automated call service): Call customer care, select the “lost card/ block card” option and follow the voice instructions.

How to Unblock Your SBI Credit Card

• Through SBI Card Mobile App: Open the app, go to Services, select Manage Card, and choose Activate/Reactivate if the card was temporarily blocked due to incorrect PIN attempts or technical reasons.
• Through the SBI Card Website: Log in, move to the Services menu, select Activate Card or Re-Activate Card, and follow the instructions if the block was temporary.
• By Calling Customer Care: Call 1860 180 1290 or 3902 0202 (with local STD code).
  Ask the executive to check whether your card is eligible for unblocking and request reactivation if it was only temporarily blocked.
• Important Note (Security-related blocks): If the card was blocked due to loss, theft, fraud, or misuse, SBI does not allow unblocking. In this case, you must request a replacement card through the app, website, or customer care.

How to Choose the Right SBI Credit Card?

Finding the correct SBI Credit Card becomes easier when you assess your spending habits and what you want from the card. As SBI offers numerous options, the best selection depends on your monthly card usage. Here are a few simple suggestions to help you choose:

1.   Start by looking at how you spend each month.

SBI groups cards into lifestyle, rewards, shopping, travel & fuel and co-branded options with brands like Air India, IRCTC, BPCL, Tata and more. If you spend a lot on online shopping, groceries, or fuel, it’s wise to choose a card that offers more reward points or savings in those areas rather than a standard card.

2.   Decide on your annual fee comfort zone.

Each SBI card has its own joining and annual fees, and many come with a spend-based fee reversal. First, note what fee you are comfortable paying in a year, then check whether the welcome benefits and ongoing rewards are worth it. A possible annual fee waiver actually covers that cost for your spending pattern.

3.   Compare rewards and redemption options.

SBI cards offer reward points, cashback, vouchers or travel benefits depending on the variant. On the official site, every card page clearly shows where you earn accelerated points and how to redeem them for vouchers, flight tickets, products, or statement credit.

4.   Look at travel, fuel and lifestyle extras.

If you travel often, you can consider SBI cards that offer lounge access, travel insurance, and hotel or airline partnerships. For regular drivers, SBI’s fuel and co-branded BPCL cards give fuel surcharge waivers and extra value at partner pumps. For heavy shoppers, lifestyle and shopping cards highlight partner store offers, milestone vouchers and higher reward rates on fashion or department store spends.

5.   Check eligibility, income and documents.

On SBI Card’s website and FAQ section, the basic eligibility, age, income, and document requirements for applicants are listed. Before shortlisting a card, it’s helpful to ensure your age, income level, and credit profile fall within the typical ranges mentioned.

Tips to Maximise SBI Credit Card Rewards

An SBI Credit Card can provide you with good value if you are careful about your spending. Rewards increase faster when you use the card wisely and manage your payments smartly. Here are some simple tips to maximise your SBI Credit Card rewards:

1.   Use the card that offers the highest rewards for your main spending.

To earn more with an SBI Credit Card, the first step is to match the right card to the proper spending category. SBI offers higher reward points or cashback in specific areas such as fuel, online shopping, dining, travel, or partner brands.

2.   Take full advantage of accelerated reward categories.

Almost every SBI card has “accelerated rewards” on certain transactions. For example, some cards give extra points on groceries or online shopping, while co-branded cards offer boosted rewards with partners like BPCL, Tata or IRCTC.

3.   Track milestone benefits throughout the year.

Many SBI cards offer milestone rewards, where you get bonus points or vouchers after crossing a yearly spend limit. These milestones are clearly listed on the card’s feature page. As you near a milestone, completing the remaining spend can unlock additional rewards or even a waiver of the annual fee.

4.   Avoid transactions where rewards are not applicable.

SBI clearly mentions that certain payments do not earn reward points. These include fuel surcharges, wallet loading, cash withdrawals, EMI conversions, and utility spends.

5.   Redeem points smartly based on real needs.

SBI lets users redeem reward points for flight tickets, hotel bookings, gift vouchers, merchandise and even statement credit. Reviewing the redemption rates in SBI Card’s official Rewards Catalogue helps you choose the option that offers the highest value.

Steps to Apply Online Through Urban Money

Applying for an SBI Credit Cards card through Urban Money is simple and works well for first-time users. The process is quick, and you can complete it in a few minutes with basic information. Here is how you can do it step by step:

• Visit the Urban Money website and go to the credit cards section.
• Select the SBI Credit Cards you want from the list of available options.
• Click on the SBI Credit Card option shown on the page.
• Fill in your name, contact number, income details and city.
• Upload the required documents, including PAN, ID proof, and address proof.
• Submit the form so Urban Money can forward your SBI Credit Card application to the bank.
• The bank verifies your details and contacts you if anything else is needed.