Top 5 SBI Best Credit Cards (State Bank of India)

SBI is the one of the popular banks in India and it has numerous customer centric credit cards for its customers. They are totally reliable, simple to use and is easy to make to payments too. Their cards are categorized as premium cards, shopping and travel cards, classic cards and exclusive cards. Each card is unique and have special offers like free movie tickets, concierge services, lounge access facilities, balance transfer facility, flexi payment in EMIs, reward points, online bills payment and many more. Here, I take a look at the best credit cards from SBI, so you can choose the best ones for you. (If you are looking for the best credit cards in India, here is a list that I compiled.)

1. SBI Platinum Credit Card

SBI Platinum Credit Card ReviewsSBI Platinum Card falls in the premium card category and gives you numerous options for dining, departmental store and international purchases. It also gives you access to credit card cash withdrawal from around 18000 Visa ATM’s and 10000 SBI ATM’s in India. You can subscribe for the SMS alerts to get mini statements, payment confirmations and credit card status. Flexi pay option allows you make payments in simple installments on a monthly basis.

SBI Platinum Credit Card Rewards

– On joining you get a gift voucher for apparels worth Rs 3000 and on renewal every year you get a gift voucher worth Rs 3000.
– For Rs 4 lakh and more spent in a year you get reward of Full Fare Free One Way Domestic Air Ticket or Apparel Vouchers worth Rs.3,000.
– You can get access to over 600 Super Luxury Airport Lounges across 300 cities worldwide. But you will be charged $27 for a visit to the Priority Pass member lounge.
– You can get a 2.5% fuel surcharge waiver on every transaction between Rs.500 & Rs.4000.
– It also gives you the privilege of meeting all your utility bills like electricity, insurance, telephone conveniently at zero charge. You can earn additional points after meeting these bill payments.

SBI Platinum Card Fees

Joining Fees 2999 Rs
Annual Fee 2999 Rs
Interest Charge Up to 3.35% p.m. (40.2% p.a.) from the transaction date
Cash OTC fee 100
Over limit OTC fees 2.5% of Over limit Amount (Min. Rs. 500)
Foreign currency Transaction Conversion mark up: 3.5%
Reward Redemption fee Up to 99

SBI Platinum Credit Card Review

The SBI platinum is a card apt for people who wish make points on their annual spending at departmental stores or international purchases. There is an initial fee as well as a renewal fee annually of 2999 each which might be slightly on the higher end. But if you’re annual spending is above 4 lakh rupees this would be a good choice as you can avail numerous vouchers or free air tickets on your points gained.

If you are not interested in any of the above benefits and just need a card for making payments SBI Gold would be appropriate. If you wish to explore other brands ICICI Platinum has also interesting features and do offer numerous rewards. The joining fee for this card is nil and you don’t have to pay any further credit card fee if you own a valid fixed deposit. The interest rate is only 2.49% per month or 29.88% annualized which is much lower compared to SBI.

2. SBI Signature Card

The SBI Signature Card is more of an expensive deal but its benefits that accompany this card is too good. You can conveniently make your utility bill payments or tickets and earn points for your expenses made. It also gives you access to credit card cash withdrawal from around 18000 Visa ATM’s and 10000 SBI ATM’s in India. You can subscribe for the SMS alerts to get mini statements, payment confirmations and credit card status.

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SBI Signature Card Rewards

– As a welcome gift you can avail a full Fare Free Domestic One Way Ticket from Indigo Airline or gift voucher worth Rs 5000 from retailers like Raymond’s / Shopper’s Stop / Lifestyle / Jabong.com
– Get 2 Reward points for every 100 spent and 5x Reward Points On Dining, Departmental stores, Grocery & International Spends
– Apart from the rewards earned if you spend between 2 lakhs-4 lakhs annually you can get 10000 reward points and for spending 5 lakhs and above the reward is 20000 points.
– If you use your card every month you can avail movie tickets of Rs 500 from Bookmyshow.com (Rs.250/ticket for 2 tickets only)
– You can also avail special concierge services like discounts at Spa’s & Lifestyle Stores, Customized travel packages, avail exclusive golf lessons from experts and even discounts on flower reservation.
– You can get access to over 600 Super Luxury Airport Lounges across 300 cities worldwide. But you will be charged $27 for a visit to the Priority Pass member lounge
– You have options to redeem you points across numerous categories like travel, holidays, lifestyle, gadgets, Indigo, Taj, Shopper’s Stop or Fossil/Armani.
– Apart from all this you get a Credit Card Fraud cover worth Rs 100000 on loss of the card with a cover period of 48 hours prior of losing the card as well as 7 days post reporting of loss.

SBI Signature Card Fees

Joining Fees 4999 Rs
Annual Fee 4999 Rs
Interest Charge Up to 3.35% p.m. (40.2% p.a.) from the transaction date
Cash OTC fee 100 Rs
Over limit OTC fees 2.5% of Over limit Amount (Min. Rs. 500)
Foreign currency Transaction Conversion mark up: 3.5%
Reward Redemption fee Up to 99 Rs

SBI Signature Card Review

The SBI Signature Card is an exclusive card which is meant for the real shoppers as well people who travel a lot. The joining fee as well annual renewal charges of 4999 is pretty high but if you can avail all the benefits it is truly worth the money spent. If you have an annual spending of 5 lakh and above you can get an additional bonus reward of 20000 which can be redeemed at Indigo, Taj, Shopper’s Stop or Fossil/Armani. But if you feel annual charge is pretty high and you are a frequent traveler you can also try the Yatra SBI card which has an annual fee of only Rs 499. Standard Chartered Yatra Platinum Card is also a promising choice which also gives a 2.5% fuel surcharge waiver on your fuel bills that is not available with Yatra SBI card. The initial fee is 499 and from 2nd year the renewal fee is 499.

(Also read > Here is an in-depth review of Air India SBI Signatute credit card – One of the best travel credit cards in India)

3. SBI Gold Card & More Card

SBI_Gold_Credit_CardSBI Gold Card is for the reasonable and is truly designed for meeting your bill payments. The rewards may not be many but you can still avail many benefits that accompany this card. It can be swiped across over 24 million outlets across the globe and including 3, 25,000 outlets in India. Flexi pay option allows you make payments in simple installments on a monthly basis. You can also subscribe for the E-statements will sent to your email account or the mobile alerts for the credit card status.

Also read >  10 Best Cashback Credit Cards in India

SBI Gold Card Rewards

– As a welcome gift you can get 2000 cash bonus points and avail Rs 100 cash back on your first ATM Cash withdrawal within 30 days of receiving the card.
– Get 1 cash point for every Rs 100 spent and you can pay off your credit card bills with the cash points that you earn.
– You can also avail a fuel surcharge waiver of 2.5% for transactions between Rs.500 & Rs.3000.
– Avail 2.5% Value Back on all your department and grocery purchases.

SBI Gold Card Fees

Joining Fees 499 Rs
Annual Fee 499(Only if purchases is below 75000 in a year)
Interest Charge Up to 3.35% p.m. (40.2% p.a.) from the transaction date
Cash OTC fee 100 Rs
Over limit OTC fees 2.5% of Over limit Amount (Min. Rs. 500)
Foreign currency Transaction Conversion mark up: 3.5%
Reward Redemption fee Up to 99 Rs

SBI Gold Card Review

SBI Gold Card and more is apt for users who wish to avail credit facilities for meeting their expenses. You can gain points by making your utility payments or on Dining, Departmental stores, Grocery and International Spends. The joining fee is very nominal and you don’t need to pay the annual charges if you make annual spending with the card is 75000 annually. This card is suitable for all and you can have add on benefit for availing cards for your spouse or family relatives. The rewards offered is slightly lesser when compared to Platinum and Signature Cards. If you are a heavy shopper and have frequent international spends this card would not be much of a help.

4. Yatra SBI Credit Card

Yatra SBI Card is an international card that caters to providing benefits for international shopping as well as holidays. SBI has a tie up between travel website Yatra.com and its users can avail discounts as well holiday packages for their tours. Apart from the travel delights you can also meet all your utility bills like electricity, insurance, telephone conveniently. You can also get access to E-statements to your email account and get the credit card status through mobile alerts.

SBI Yatra Card Rewards

On joining you get travel vouchers worth Rs 8250 that can be used for your travel purposes.
For every 100 spent you gain 1 point and for purchases made at Yatra.com you get 6x Bonus Points on Base Fare/ Base Tariffs.
You also gain 6x points on purchases made at department store as well as grocery
You can redeem your points for purchasing vouchers from Yatra.com
The card can be used to get access to the premium MasterCard airport lounges in India both domestic as well as international.

SBI Yatra Card Fees

Joining Fees 499 Rs
Annual Fee 499 Rs
Interest Charge Up to 3.35% p.m. (40.2% p.a.) from the transaction date
Cash OTC fee 100 Rs
Over limit OTC fees 2.5% of Over limit Amount (Min. Rs. 500)
Foreign currency Transaction Conversion mark up: 3.5%
Reward Redemption fee Up to 99 Rs

(Also read > Here is an in-depth review of SBI Yatra credit card – One of the best travel credit cards in India)

SBI Yatra Card Review

Yatra SBI card is exclusively for business executives as well professionals who have a requirement to travel often. You can gain points on your travel and again redeem the points for getting discounts on your travel. The initial fee and the annual charge is nominal. Even if you are using this card occasionally for your travel plans it would benefit you. You can also gain points on your purchases at department, grocery or utility bills.

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But if you wish to get more rewards you could try the Air India SBI Signature card which offers ample rewards. It has a joining fee as well as an annual charge of Rs 4999 which is a bit on the higher end. For frequent travelers this card could benefit and the rewards are quite promising too. Standard Chartered Yatra Platinum Card is also a promising choice which also gives a 2.5% fuel surcharge waiver on your fuel bills that is not available with Yatra SBI card. The initial fee is 499 and from 2nd year the renewal fee is 499.

5. Air India SBI Platinum Card

SBI Air India Signature CardAir India has also introduced a platinum card with SBI which is good for people have travel for work or for family trips. It has got numerous rewards and has been designed exclusively for travel needs. You can avail discounts on your tours and even make your payments of utility bills, purchase from department stores with this card.

Air India SBI Platinum Card Rewards

– On joining you get a 5000 reward points and a membership with Air India Frequent Flyer Program-Flying Returns
– For every 100 spent you get 2 reward points and get every year 2000 reward points on renewal.10 reward points for every 100 spent on Air India tickets.
– If you have an annual spending of 2 lakh you gain 5000 points and 3 lakh and more you get 15000 points.
– You get a fuel surcharge of 2.5% across all petrol pumps.
– You can also get a complimentary credit card fraud liability cover of Rs. 1Lac
– Travels can also get access to VISA lounges at major domestic airports

Air India SBI Platinum Card Fees

Joining Fees 1499 Rs
Annual Fee 1499 Rs
Interest Charge Up to 3.35% p.m. (40.2% p.a.) from the transaction date
Cash OTC fee 100 Rs
Over limit OTC fees 2.5% of Over limit Amount (Min. Rs. 500)
Foreign currency Transaction Conversion mark up: 3.5%
Reward Redemption fee Up to 99 Rs

(Also read > Here is an in-depth review of SBI Air Platinum credit card – One of the best travel credit cards in India)

Air India SBI Platinum Card Review

Air India Platinum Card is a genuinely good card for travelers and does offer good benefits too. The annual fee is not too high and this card can be beneficial if you travel frequently. Additionally you can also make points on your expenses made and redeem them while booking your tickets. Other options include the Yatra SBI card which has lower annual charges of 499 and it does come with a fair share of benefits too. The HDFC Bank JetPrivilege Platinum also has exciting offers and comes with an annual charge of 999.You get an introductory offer f 4000 points and 5% discount on all tickets booked with jet airlines.

If you have comments, suggestions or questions, do drop a comment in the form below.

Related – Best Shopping & Cashback Rewards Credit Cards In India


Hi, Mani Karthik here. Having lived in USA, India & Middle East, and worked for big MNC’s to startups, I have a lot to share with you. My aim is to help people, by sharing everything I’ve learned in life, through this blog. It’s read today by more than 150K people world over! I currently live in LA, California and visit India occasionally. Here’s my full story on who I am and why I blog. Connect with me on FacebookInstagram, Twitter or WhatsApp (+001-408-489-4785). Happy to help! 🙂

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