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State Bank of India Rewards Credit Card

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Popular State Bank of India Rewards Credit Card Offers

Scout through some of the best hand-picked credit card offers.

SimplyCLICK SBI Card

Online Shopping
Rewards

Joining Fee: ₹499 + taxes
Annual/Renewal Fee: ₹499 + taxes

10X rewards on Dominos, Myntra, Yatra & more.
Low annual fee & easy approval.
5X rewards on online shopping.

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SimplySAVE SBI Card

Dining
Rewards

Joining Fee: ₹499 + taxes
Annual/Renewal Fee: ₹499 + taxes

Enjoy 10X Reward Points on Dining, Grocery & Movie spends.
2,000 Bonus Reward Points.
1% fuel surcharge waiver across all petrol pumps in India.

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SBI Card ELITE

Lounge Access
Movies
Rewards

Joining Fee: ₹4,999 + taxes
Annual/Renewal Fee: ₹4,999 + taxes

Rewards points annually.
Vouchers on card activation.
Complimentary International and Domestic Airport Lounge visits in a year.

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SBI Card PRIME

Travel
Shopping
Rewards

Joining Fee: ₹2,999 + Taxes
Annual/Renewal Fee: ₹2,999 + Taxes

Vouchers on shopping from Bata, Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla, Yatra.
Complimentary domestic/international lounge visits yearly.
5X rewards on dining, movies & grocery.

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SBI Card PULSE

Rewards

Joining Fee: ₹1,499
Annual/Renewal Fee: ₹1,499

FITPASS PRO & Netmeds membership.
Complimentary domestic lounge visits every quarter.
5X rewards on chemist, pharmacies, dining & more.

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What is the State Bank of India Rewards Credit Card?

The State Bank of India rewards credit card is ideal for regular credit card users seeking to earn rewards on their spending. Use the card for everyday purchases like shopping, dining, groceries, movies, and online orders to earn points or cash back. These rewards accumulate over time and can be redeemed through SBI Card’s reward options.

The SimplyCLICK SBI Card and the SimplySAVE SBI Card have a joining fee of ₹499 plus GST. They offer higher reward points for online shopping, dining, groceries, and entertainment, while still earning points on everyday transactions. The focus is on rewarding frequent use rather than occasional spending.

Key Benefits of the State Bank of India Rewards Credit Card

State Bank of India’s rewards card offers benefits earned by redeeming reward points from eligible purchases made with SBI credit cards. Various card variants allow cardholders to earn points on everyday spending, with higher point rates in select categories. Below is a summary of the standard features from the official SBI Card website:

Higher Reward Points
Some SBI reward cards offer accelerated points on everyday expenses. For example, the SimplySAVE SBI Card gives 10X reward points on dining, grocery, and movie spending, making it suitable for everyday lifestyle expenses.
Reward Points on Online Shopping
Online spending is a key focus area for SBI rewards cards. With the SimplyCLICK SBI Card, cardholders earn 5X reward points on online spends. This makes it useful for people who regularly shop or book services online.
Lifestyle and Premium Spending Rewards
Cards such as SBI Card PRIME and SBI Card ELITE offer reward points on lifestyle-related spends, including travel bookings, dining, and other premium categories. These cards also provide yearly domestic and international lounge access for the users.
Fuel Surcharge Waiver Benefit
Several SBI reward cards provide a 1% fuel surcharge waiver on eligible petrol transactions across India. Cards like SimplySAVE SBI Card, SimplyCLICK SBI Card, SBI Card PRIME, and SBI Card ELITE include this benefit, helping reduce routine fuel expenses.
Wide Range of Cards for Different Needs
SBI offers a range of reward-focused credit cards, including SBI Card BPCL and SBI Card BPCL Octane. These cards are designed for specific spending categories, allowing users to earn reward points on fuel, retail purchases, and everyday expenses.

Who Should Apply for the State Bank of India Rewards Credit Card?

The State Bank of India rewards credit card is not intended for occasional use or for emergencies only. It works best when it becomes part of daily spending. Here’s who should apply for the SBI Credit Cards:

People who spend regularly every month.
Online shoppers and Digital users
Salaried professional with predictable expenses
First-time reward card users
User looking for long-term value

Fees & Charges of State Bank of India Rewards Credit Card

Every SBI rewards credit card comes with a set of standard charges that apply based on usage and repayment behaviour. While the exact amount may differ by card, the core fee structure remains essentially the same. Here are the fees & charges of SBI rewards cards:

Types	Fee / Charge
Joining / Annual Fee	₹0 – ₹9,999 + applicable taxes
Renewal Fee	₹0 – ₹9,999 + applicable taxes (often waived on meeting spend criteria)
Interest-Free Credit Period	20–50 days
Finance Charges	Up to 3.75% per month (45% per annum)
Cash Withdrawal Fee	2.5% of the amount withdrawn or ₹500 (whichever is higher)
Late Payment Charges	NIL – ₹1,300 (based on outstanding amount)
Overlimit Fee	2.5% of the overlimit amount or ₹600 (whichever is higher)
Fuel Surcharge Waiver	1% on eligible fuel transactions
Foreign Currency Transaction Fee	Around 3% – 3.5% (varies by card)
Reward Redemption Fee	₹99 (on select redemptions)
Utility Payment Fee	1% if total utility payments exceed ₹50,000 per billing cycle
Card Replacement Fee	₹100 – ₹250 (higher for premium cards)
Cheque Payment Fee	₹200

Eligibility Criteria of State Bank of India Rewards Credit Card

Eligibility for an SBI rewards credit card is based on factors such as age, income, and credit profile. While requirements may vary by card, SBI follows a standard set of criteria for most rewards-based credit cards. The table below gives a clear overview of the general eligibility criteria applicable to the SBI rewards credit card category:

Eligibility Parameter	Details
Age	Salaried: 21 to 70 years / Self-employed: 25 to 70 years
Occupation	Salaried and self-employed individuals
Minimum Income Required	Depends on the specific card variant
Credit Score	Preferably 700 or above
Income Stability	A regular and consistent source of income is required
Serviceable Cities	Available in select cities as per the SBI Card service network
Documentation Requirement	Valid identity proof, address proof, and income proof

Documents Required For State Bank of India Rewards Credit Card

Certain documents are checked during the SBI rewards credit card application process to verify identity, address, and income. Having these ready helps ensure smoother and faster processing.

Document Category	Accepted Documents
Identity Proof	● Passport-size photograph, Aadhaar Card ● PAN Card, Driving Licence ● Passport, Voter ID ● OCI Card, PIO Card ● NREGA Job Card, UIDAI-issued letter ● Any other government-approved photo ID
Address Proof	● Aadhaar Card, Passport ● Driving Licence, Ration Card ● Utility bill (not older than 3 months), Bank account statement ● Property registration document, PIO Card ● NREGA Job Card, or any other government-approved address proof
Income Proof	● Latest 1 or 2 salary slips (not older than 3 months) ● Last 3 months’ bank statement, Latest ITR or Form 16

How to Earn State Bank of India Credit Card Reward Points

Earning reward points on an SBI Credit Card is pretty simple. The earning rate depends on the card variant and the type of spending.

Use the card for everyday retail purchases to earn points
Spend in selected categories to earn higher reward points
Make online purchases to receive extra reward points
Pay for dining and grocery expenses to earn accelerated points
Use the card at partner merchants to receive bonus points
Reach annual spending milestones to earn additional rewards
Wait for the transaction settlement for the points to be credited

Validity of State Bank of India Credit Card Reward Points

Reward points earned on SBI credit cards come with a fixed validity period and do not remain active indefinitely. In most cases, these points are valid for up to 24 months from the month they are credited to the card account. If the points are not used within this period, they expire automatically and cannot be reinstated or redeemed later. Keeping track of the reward points balance and their expiry timeline helps cardholders use rewards before they lapse.

How to Redeem State Bank of India Credit Card Reward Points

SBI offers multiple ways to redeem reward points, depending on how you prefer to access your account. Below, each method is explained clearly using bullet points for quick reference.

Redeeming Reward Points Through the SBI Card Website

Log in to com using your credentials
Click on Rewards, then select Redeeming Reward Points
Browse the Rewards Catalogue
Select the item you want to redeem
Click Redeem Now and confirm

Redeeming Reward Points Through the SBI Card Mobile App

Log in to the SBI Card mobile app
Tap More from the bottom menu
Select Rewards, then choose Redeem
Add products from the Rewards Catalogue to the cart
Select Redeem Cart and proceed to checkout

Redeeming Reward Points as Cash

Cash redemption is not available online
Write to SBI via the email option on com
Alternatively, contact the SBI Card customer helpline
Redemption is processed as per eligibility and terms

How to Apply Online for State Bank of India Rewards Credit Card through Urban Money?

Applying for an SBI rewards credit card online through Urban Money is quick and entirely online. The process is simple and lets you check eligibility and apply without visiting a branch.

Visit the com website to begin the application process.
Open the Credit Cards section from the main menu.
Select State Bank of India credit cards from the available options.
Choose a rewards-based SBI credit card that suits your needs.
Click Apply Now for the selected card.
Enter basic details, including your name, mobile number, and city.
Submit the form to proceed with the application.
Follow the on-screen instructions to complete the verification process.
Once these steps are complete, an expert will contact you to proceed with the next steps.

Frequently Asked Question (FAQs)

How does the reward points system work on the State Bank of India Rewards Credit Card?

Reward points can be earned on all eligible spends, with many cards offering 10X reward points on dining, groceries and movies. The rewards points earned are valid for 24 months and can be redeemed from the SBI card app or website for gift vouchers or merchandise.

What is the value of 1 reward point on the State Bank of India Rewards Credit Card?

The value of one reward point varies by card and redemption option. SBI Card does not publish a fixed universal value. It depends on how you redeem points in the rewards catalogue (e.g., vouchers, products). Specific redemption value is displayed at redemption on the rewards platform.

Is there an annual fee for the State Bank of India Rewards Credit Card?

Most SBI rewards cards carry an annual fee, which varies by card. For example, SimplySAVE and SimplyCLICK SBI Cards charge a yearly fee of ₹499 plus taxes. Other premium cards may have higher costs.

Are there any joining benefits on the State Bank of India Rewards Credit Card?

Some SBI rewards cards offer joining or milestone benefits, such as bonus reward points on spending a certain amount within the first period after activation. For instance, some entry-level reward cards provide welcome bonus points when you meet specified initial spend criteria, and these offers vary by card.

What are the interest rates on the State Bank of India Rewards Credit Card?

Interest rates on SBI credit cards are charged as finance charges on outstanding balances. These typically range from 3.50%–3.75% per month (approximately 42%–45% per annum), depending on the card and prevailing policy.

How can I redeem points from the State Bank of India Rewards Credit Card?

Reward points can be redeemed on the SBI Card rewards portal or mobile app by choosing items from the rewards catalogue. You can also request redemption via customer support for selected options, such as a cash adjustment to your account, where eligible.

Is there a minimum number of points required for redemption?

SBI requires a minimum number of reward points to redeem items or vouchers, which varies by redemption option. The exact minimum is shown in the rewards catalogue at the time of redemption.

Does the State Bank of India Rewards Credit Card provide airport lounge access?

Not all SBI rewards cards include airport lounge access. Entry-level reward cards like SimplySAVE and SimplyCLICK typically do not offer lounge benefits. Premium versions or select lifestyle cards under the SBI umbrella may provide complimentary domestic or international lounge access.

Which State Bank of India credit card gives the best rewards?

The “best” rewards card depends on your spending pattern. For everyday retail and online spending at a lower fee, cards like SimplySAVE and SimplyCLICK are popular. For higher rewards and additional privileges such as travel and lounge access, premium options like SBI Card PRIME or lifestyle variants may offer richer rewards, though with higher fees.