In the dynamic realm of financial services, credit cards have emerged as indispensable tools for modern-day individuals. Offering a plethora of benefits, these cards have revolutionised the way we manage our finances, from enabling seamless online transactions to facilitating convenient offline payments. Among India's leading providers of credit cards stands SBI Card, a subsidiary of the State Bank of India, one of the country's most prominent financial institutions. With a diverse range of credit cards catering to varied needs and preferences, SBI Card has established itself as a trusted partner for millions of cardholders.
As we navigate the financial landscape 2023, discerning the most suitable credit card options becomes crucial. Recognising this need, we embark on a journey to unveil the Best SBI Credit Cards that align with the diverse needs of modern consumers. Whether you seek travel rewards, cashback benefits, or lifestyle perks, this comprehensive guide will equip you with the knowledge to make informed decisions, empowering you to choose the credit card that perfectly complements your financial aspirations.
Best SBI Credit Card in India
SBI Credit Cards are a great way to earn rewards and enjoy the convenience of having your spending power in one place. Here are some of the best cards:
1. SBI SimplySave Credit Card
The SBI SimplySAVE Credit Card is a great option for people who want to save money on their everyday expenses. It offers a variety of benefits, including:
- 10 reward points per ₹150 spent on dining, movies, departmental stores, and grocery spending
- 1 reward points per ₹150 on all other spendings
- Renewal fee waiver of ₹499 if you spend ₹1,00,000 or more in a year
- Quick and secure contactless payments with just a tap
- EMV chip and PIN, which helps to prevent fraud
Overall, the SBI SimplySAVE Credit card is a great option for people who want a rewards card that offers a variety of benefits without a high annual fee.
2. SBI SimplyCLICK Credit Card
If you are an avid online shopper in India, you cannot afford to miss out on the amazing benefits offered by the SBI SimplyCLICK Credit Card. This credit card is designed to cater to the specific needs of digital consumers and promises a host of unique advantages, which are:
- 10x reward points on online spending at partner websites like BookMyShow, Cleartrip, Myntra, EazyDiner, Domino's, and Netmeds
- 5x reward points on all online spends
- Amazon gift card worth ₹500 on payment of annual fee of ₹499
- 1% fuel surcharge waiver for each transaction between ₹500 & ₹3000
- e-Vouchers of Cleartrip and Yatra worth ₹2,000 each on reaching annual online spends of ₹1 lakh and ₹2 lakh, respectively
Overall, the SBI SimplyCLICK Credit Card is a good option for online shoppers who want to earn rewards and save money. It has a low annual fee, a good rewards program, and a range of other features that make it a convenient and secure card to use.
3. SBI Prime Credit Card
The SBI Prime Credit Card is a top-tier rewards card that comes loaded with a wide range of benefits, making it an ideal choice for high-spenders who want to earn rewards on a variety of everyday purchases. Some of the notable benefits of this card include:
- Welcome e-gift Voucher worth ₹3,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra.com
- 10 reward points per ₹100 spent on dining, groceries, departmental stores and movies
- 2 reward points per ₹100 on all other retail spends except fuel
- Free Trident Privilege Red Tier Membership
- Free Club Vistara Silver membership and 1 upgrade voucher
- 4 free international airport lounge visits per year
- 8 free visits to domestic lounge access
- 20 reward points per ₹100 spent on your birthday
Please note that these are just the key features of the SBI Prime Credit Card. There are a number of other terms and conditions that apply.
4. AirIndia SBI Signature Credit Card
The Air India SBI Signature Credit Card is a premium co-branded credit card that offers a host of benefits to frequent travellers, especially those who fly Air India regularly. The card is packed with features that make it a great choice for those who want to earn rewards, save money on travel expenses, and enjoy exclusive benefits. Some of them are:
- 30 reward points for every ₹100 spent on Air India ticket bookings via the Air India website and mobile app. You can also earn 10 reward points for every ₹100 spent on Air India ticket bookings through Air India booking offices or call centres
- International Airport Luxury Lounge Access to over 600 airport lounges with free Priority Pass Program. Additionally, you get 8 free visits per year to domestic VISA Lounges in India
- 20,000 reward points as a welcome gift on payment of your joining fee and free membership of the Air India Frequent Flyer Program Returns
- 4 reward points for every ₹100 spent
- Bonus reward points based on annual retail spending:
- ₹500,000 - 20,000 bonus reward points
- ₹10,00,000 - 30,000 bonus reward points
- ₹50,00,000 - 50,000 bonus reward points
Overall, the Air India SBI Signature Credit Card is a great option for frequent travellers who fly Air India regularly. The card offers a generous reward program, exclusive airport lounge access, and a host of other benefits that make it a valuable addition to your wallet.
5. SBI Elite Credit Card
The SBI Elite Credit Card is a good option for people who want a premium credit card with a wide range of benefits and features. The card is especially good for people who travel frequently, as it offers a number of travel benefits. Some of its features are:
- Welcome e-Gift Voucher worth ₹5,000
- Free movie tickets worth ₹6,000 every year
- 50,000 Bonus Reward Points worth ₹12,500 per year
- 5X reward points on dining, departmental stores, and grocery spend
- 2 reward points per ₹100 on all other spends, except fuel
- 6 free airport lounge visits per calendar year outside India
- 2 free domestic airport lounge visits every quarter in India
- Free Club Vistara Silver membership and 1 free upgrade voucher
- Free Trident Privilege Red Tier membership and exclusive 1,000 welcome points on registration
- 1.99% foreign transaction fee
- Dedicated assistance on flower delivery, gift delivery, online doctor consultation and much more
To conclude, choosing the best SBI credit card can be overwhelming, given the wide range of options available. We've discussed the top credit cards based on their features, benefits, and rewards programs. To make an informed decision, use Select's credit card comparison tool to compare the cards and evaluate their pros and cons. Don't wait, visit today!