How to apply for SBI Credit Card: SBI Credit Card is a collaboration between SBI (the leading credit card institution across India), which stands for State Bank of India, and GE Capital. As the largest and oldest banking organization in the country, SBI offers a wide range of credit cards that suit the needs of different types of customers.
By getting an SBI Credit Card, cardholders can get access to many top-notch, value-added payment services and goods. Simply put, you can enjoy benefits and perks whenever you shop, dine, travel, go to the cinema, or book airline tickets online with a SBI Credit Card. In this article, we will tell you how to apply SBI credit card, its eligibility criteria, and other relevant information.
Table of Contents:
- Specifications of SBI Credit Cards
- Types of SBI credit cards
- Eligibility criteria for SBI credit card
- Documents required by SBI for credit card approval
- How to apply for SBI Credit Card online
- How to apply for SBI Credit Card offline
- Fees & Charges for SBI Credit Card
- How to close the SBI Credit Card
Key specifications of SBI Credit Cards:
SBI cards are divided into several types, such as shopping and travel cards, premium cards, exclusive cards, and classic cards. Each one is unique and includes special offers such as concierge services, free movie tickets, a balance transfer facility, lounge access facilities, reward points, flexi payment in EMIs, online bill payments, and much more.
Even though this article is about how to apply for SBI credit card, you should also know some of the key features of SBI credit cards. Here it is:
- Facility to transfer money from other credit cards linked to different banks.
- Ease of paying utility bills while offering attractive cashback rewards.
- Flexipay option to split massive expenses into budget-friendly EMIs.
- Convenient cashless shopping experience with hassle-free repayment options.
Types of Credit Cards offered by SBI:
Catering to the diverse range of lifestyle needs of customers, SBI introduces a variety of credit cards online. Let’s check the most popular types of SBI credit cards.
Based on benefits and features:
| Credit Card Types | Joining Fee | Fee ( for 1 year) | Best Suited For |
| SBI Card Prime | Rs 2,999 | Rs 2,999 | Shopping, Travel, Rewards |
| SBI Card Elite | Rs 4,999 | Rs 4,999 | Rewards and Travel |
| BPCL SBI OctaneCredit Card | Rs 1,499 | Rs 1,499 | Fuel & Rewards |
| Air India SBI Signature Credit Card | Rs 4,999 | Rs 4,999 | Travel & Rewards |
| IRCTC SBI Card Premier | Rs 1,499 | Rs 1,499 | Travel |
| Club Vistara SBI Card Prime | Rs 2,999 | Rs 2,999 | Travel & Rewards |
| SBI SimplySave Credit Card | Rs 499 | Rs 499 | Shopping |
| SBI Simply Click Credit Card | Rs 499 | Rs 499 | Online Shopping |
Some other types of SBI Credit Card:
Besides the above-mentioned well-known credit cards, SBI also provides some other credit cards, which are based on entry-level to premium levels. These are the following:
| Credit Cards Type | Fee (annually) | Designed for |
| FabIndia SBI Credit Card | Rs 499 | Shopping |
| LifeStyle Home Centre SBI Card Prime | Rs 2,999 | Shopping |
| Nature’s Basket SBI Card Elite | Rs 4,999 | Grocery Shopping |
| Air India SBI Card Platinum | Rs 1,499 | Travel |
| Yatra SBI Credit Card | Rs 499 | Travel |
| SBI Aurum Credit Card | Rs 10,000 | Rewards & Travel |
| Cashback SBI Card | Rs 999 | Cashback & Online Shopping |
| Apollo SBI Credit Card | Rs 499 | Health, Fitness and Rewards |
| SBI Pulse Credit Card | Rs 1,499 | Health & Fitness |
Eligibility criteria for SBI credit card:
Before reading how to apply SBI credit card steps, check whether or not you’re eligible for a credit card. Here is a general requirement you should fulfill beforehand:
- Age – To avail SBI Credit Card, your age should be between 18 to 60 years.
- Occupation – One applying for an SBI credit card is either salaried or self-employment.
- Serviceable locations – You must be a resident of one of the cities where SBI credit cards are offered. Some of these cities are Hyderabad, Jaipur, Delhi, and many others.
Documents required by SBI for credit card approval:
The documents needed for SBI credit card approval are as follows:
Identity Proof (any one)
|
Address Proof (any one)
|
Income proof (for self-employed candidates)
|
Income proof (for salaried candidates)
|
Note: The given list is not comprehensive, which means your SBI branch may ask you to submit additional documents.
How to apply for SBI Credit Card online?
It is easy to apply for an SBI card sitting at home if you consider the online method. All you need to do is log on to the official website of SBI and apply for a card online. For most credit cards, SBI provides an online application form.
Here is a step-by-step guide on how to apply for SBI credit card:
Step 1 Open the official SBI card website (link: https://www.sbicard.com/)
Step 2 Put your cursor on the credit cards option and tap on, “Help Me Find a Card” in the Quick Actions tab
Step 3 Choose a suitable credit card for you or pick an ideal match with the “Simplifier feature”.
Step 4 Make sure that you go through the benefits and features of the SBI card before applying for one.
Step 5 Afterward, tap on “Apply”
Step 6 Enter your contact information and personal details.
Step 7 you’ll be contacted by a bank representative to take your request further.
To apply for a banking partner card with SBI, candidates will have to go partner branch to get the application process done. For more SBI credit card details and other information, give a missed call on 8422845512 with your registered mobile no.
How to apply for SBI Credit Card Offline?
If applying for an SBI credit card through an online method isn’t suitable for you, you can visit an SBI branch instead. You will need to do the following:
- Visit the nearest SBI branch and meet in person with one of their card representatives to avail of one.
- Discuss your needs and requirements with the card representative.
- With this, they can suggest the ideal card that meets your needs.
- Then, fill out the application form for a credit card and submit it along with the required documents.
- Your SBI credit card will be handed over to you within a few days.
Suggestive Read: Steps to Register & Login on SBI Personal Banking
Fees & Charges for SBI Credit Card:
Almost all SBI credit cards possess a dedicated fee and charge. Some common charges are as follows:
- Annual or Joining Fee – Differ for all credit cards issued by SBI
- SBI Finance Charges – 42% annually | up to 3.5% monthly
- Late Payment Fee (based on the total outstanding amounts)
- Up to 500 Rs – Nil
- More than 500 up to 1000 Rs – Rs 400
- More than 1000 up to 10,000 Rs – Rs 750
- More than 10,000 up to 25,000 Rs – Rs 950
- More than 25,000 up to 50,000 Rs – Rs 1,100
- More than Rs 50,000 – Rs 1,300
Note: The fees & charges for SBI cards may vary from card to card. Read the terms & conditions for card types individually before applying for one.
Suggestive Read: Steps to Generate SBI ATM Pin
How to close SBI Credit Card?
If you need to close your SBI credit card for any somehow reason, you will need to follow a simple process. The best part is that you don’t have to submit unnecessary charges for the same.
Steps to Close SBI Credit Card Online:
- First, you will need to log in to the SBI’s Credit Card portal (https://www.sbicard.com/)
- Next, tap on Card Closure Request
- Write an official email, which includes a credit card closure request.
Once this is completed, an interaction number will be notified to your registered mobile number. Use this number to complete your card closure request.
Methods to Close SBI Credit Card Offline:
- Heading to your nearest SBI branch:
Visit your nearest SBI branch and submit the important documents needed to close your SBI credit card. Fill in the credit card closure form wherein you will need to provide all necessary details.
- Writing a request letter for a closing credit card:
In this method, you will need to provide your essential personal information and other car-related details. Then, send the request letter to your nearest SBI bank branch to initiate the card closure procedure.
- Contacting customer care:
Call customer care through a toll-free number, which is 1800-180-1290. You can request them to close your SBI credit card. Before that, submit all the card-related information and some vital personal information.
Hopefully, our guide on how to apply SBI credit card provides the right information and offers you the right direction.
More articles related to Credit cards:
Add Comment