/offerpages/3e8313d905a9402d9d5fcc3058f62d6d.png)
/blog/8f223cb063e044498de31039f7d9ccba.jpg)
Credit cards are tools we have come to rely on for daily and luxury spending. Did you know that as of August 2024, around 1.94 crore (~19%) of the total credit cards in circulation were SBI cards? This proves that a lot of people have credit cards. But, with so many different cards to choose from, it might be tricky to find the best one for you.
We want you to get the most out of your cards, so in this article, we will cover the benefits and some of the best SBI credit cards, especially if you love to shop.
Coverings
Best SBI Cards for Shopping
SBI has 72 cards in its portfolio, including:
- Cashback Cards
- Shopping Cards
- Travel Cards
- Fuel Cards
- Lifestyle & Entertainment Cards
With such an extensive selection, there's likely an SBI card suited for everyone. For the people who love to shop and trust SBI, the search has narrowed down a bit. Let us bring it down to just 3. Here are the best SBI cards for the shopaholic in you!
1. SBI Cashback Credit Card
The Cashback SBI Card is made for those who love to shop online or at retail stores. Imagine earning money back just for spending—sounds great, right? This card makes that possible by offering cashback on all online purchases.
Cashback SBI Card Benefits
- 5% Cashback on online spending (no merchant restriction)
- 1% Cashback on offline spends
- Cashback is auto-credited to the SBI account within 2 days of the next statement
- 1% fuel surcharge waiver upto ₹100 per statement cycle on transactions between ₹500-₹3,000
What you will have to pay for these benefits:
|
Description |
Charges |
|
Joining Fee |
₹999 |
|
Annual Fee |
₹999 reversed on spending ₹2 lakh annually |
|
Add-on Fee (per annum) |
₹0 |
|
Cash Advance Fee |
2.5% or ₹500, whichever is higher |
|
Cash Payment Fee |
₹250 + Taxes |
|
Interest Charges |
3.50% per month |
|
Late Payment Fee |
|
|
Overlimit Fee |
2.5% of over limit amount or ₹600, whichever is higher |
|
Reward Redemption Fee |
₹99 |
|
Foreign Currency Transaction Fee |
3.5% of the transaction value |
|
Rent Transaction Fee |
₹199 |
2. SimplyCLICK SBI Card
For online shoppers looking to get the most out of their shopping experience, the SimplyCLICK SBI Card may be a good choice. With this card, it's like every purchase becomes an opportunity to earn rewards.
SimplyCLICK SBI Card Benefits
- Amazon gift card worth ₹500 on paying annual fee
- 10X reward points on online spending with Apollo 24x7, BookMyShow, Cleartrip, Dominos, Myntra, Netmeds, Swiggy and Yatra
- 5X reward points on all other online spends
- Cleartrip e-Voucher worth ₹2,000 on online spending of ₹1 lakh
- Yatra e-Voucher worth ₹2,000 on online spending of ₹2 lakh
- 1% fuel surcharge waiver upto ₹100 per statement cycle on transactions between ₹500-₹3,000
- Safe contactless payment secured by VISA PayWave, ensuring only one transaction per tap
- Accepted by over 2.4 crore outlets over the world, including 3.25 lakh in India
What you will have to pay for these benefits:
|
Description |
Charges |
|
Joining Fee |
₹499 + Taxes |
|
Annual Fee |
₹499 + Taxes, reversed on spending ₹1 lakh annually |
|
Add-on Fee (per annum) |
₹0 |
|
Cash Advance Fee |
2.5% or ₹500, whichever is higher |
|
Cash Payment Fee |
₹250 + taxes |
|
Interest Charges |
3.50% per month |
|
Late Payment Fee |
|
|
Overlimit Fee |
2.5% of over limit amount or ₹600, whichever is higher |
|
Reward Redemption Fee |
₹99 |
|
Foreign Currency Transaction Fee |
3.5% of the transaction value |
|
Rent Transaction Fee |
₹199 |
3. Reliance SBI Prime Credit Card
If you love to shop, especially at Reliance outlets, then the Reliance SBI Prime card is a fantastic option for you. This card is designed to reward your everyday spending with exclusive benefits that make shopping more enjoyable.
Reliance SBI Prime Card Benefits
- Pay the joining fee and get a Reliance Retail voucher worth ₹3,000
- Additional discount vouchers worth ₹11,999/- of various Reliance Retail stores
- Reliance Retail voucher worth:
- ₹1,500 on spending ₹75,000 annually
- ₹2,250 on spending ₹1,50,000 annually
- ₹5,000 on spending ₹3,00,000 annually
Note: Applicable on spending at participating Reliance Retail stores.
- 10 Reward points per ₹100 spent on the participating Reliance Retail stores
- 2 Reward points per ₹100 spent on other retail purchases
- 1 free movie ticket worth ₹250 on Book My Show
- Free access to 8 domestic airport lounges per year (max. 2 per quarter)
- Free access to 4 international airport lounges per year (max. 2 per quarter)
- 1% fuel surcharge waiver upto ₹100 per statement cycle on transactions between ₹500-₹4,000
What you will have to pay for these benefits:
|
Description |
Charges |
|
Joining Fee |
₹2,999 + GST |
|
Annual Fee |
₹2,999 + GST waived on spending ₹3 lakh annually |
|
Add-on Fee (per annum) |
₹0 |
|
Cash Advance Fee |
2.5% or ₹500, whichever is higher |
|
Cash Payment Fee |
₹250 + taxes |
|
Interest Charges |
3.50% per month |
|
Late Payment Fee |
|
|
Overlimit Fee |
2.5% of over limit amount or ₹600, whichever is higher |
|
Reward Redemption Fee |
₹99 |
|
Foreign Currency Transaction Fee |
3.5% of the transaction value |
|
Rent Transaction Fee |
₹199 |
All three of these SBI cards offer many enticing benefits and features. However, always remember that credit cards come with a price tag. So, before you get yourself a credit card, you need to understand these costs.
Conclusion
There you go! These were the best SBI cards for shopping. If you love to shop and get great deals, then these cards may be just what you need. With them, you get the best of both worlds–enjoy shopping and get cashback, vouchers and more! But…remember, before you pick a card, make sure you understand what it entails. A credit card is to be used responsibly, no matter how great the benefits are.
It seems like all credit cards have something or the other to offer. So, if you are wondering how to pick the right card, then Select's got your back. Head to Select's "Credit Card" section and compare over 90+ credit cards. This way, you can find the card "made for you"!
Also, visit these URLs for more details:
