Introduction:
In this blog, we will choose the right credit card as per our need from the list of 5 best credit cards from SBI. Credit cards have revolutionized the way we manage our finances, offering convenience, security, and a host of benefits. Whether you’re a seasoned user or a newbie, understanding the ins and outs of credit cards can help you make the most of this financial tool.
Choosing the right credit card depends on your spending habits, lifestyle, and financial goals. Whether you prioritize travel perks, cashback rewards, or exclusive privileges, these 5 best credit cards from SBI offer a range of benefits to suit various needs. Before applying, consider comparing the features and fees to make an informed decision that aligns with your financial strategy and lifestyle.
Credit cards have become an essential financial tool for many in India, offering convenience, rewards, and various perks. If you’re looking to choose the best credit card for your needs, here are 5 best credit cards from SBI to consider:
1. SBI Elite Credit Card – The Premium All-Rounder Card
SBI Card ELITE is an all-rounder premium card offering benefits across multiple categories including travel, movies, dining, rewards and more and deserves to be in the list of 5 best Credit Cards from SBI.
- Annual Fee (one-time) : Rs.4,999 + Taxes
- Renewal Fee (per annum) :Rs. 4,999 + Taxes
Welcome e-gift voucher worth Rs. 5,000
SBI Elite Credit Card charges a joining fee of Rs. 4,999 but returns the entire amount in the form of a Rs. 5,000 welcome gift voucher. Choose from an array of travel and lifestyle brands : Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop. Learn more here
Complimentary Movie Tickets
Free Movie Tickets worth Rs. 6,000 every year. Learn More here
ELITE Rewards
Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
Earn 2 Reward Points per Rs. 100 on all other spends, except fuel. Learn more here
International Lounge Program
Complimentary membership to the Priority Pass Program worth $99
6 complimentary Airport Lounge visits per calendar year, outside India ( max. 2 visits per quarter) Learn More here
Club Vistara Membership
Enjoy complimentary Club Vistara Silver membership
Get 1 complimentary Upgrade Voucher
Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights. Learn more here.
Lowest Forex Markup
Your SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage.
You are also entitled to 2 Reward Points on every Rs. 100 spent on International transactions.
2. SBI SimplyCLICK Credit Card- Rewards Card for Online Shoppers
SBI SimplyCLICK Credit Card is an entry-level card that largely benefits online shoppers. Users can earn decent reward points across all spends with extra earning on online spends and even better rewards with SBI Card’s exclusive partners. It can be a good choice if you are specifically looking for a rewards credit card with a low annual fee. This card has all the perks to make into the list of 5 best credit cards from SBI.
- Annual Fee (one time):Rs. 499 + Taxes
- Renewal Fee (per annum):Rs. 499 + Taxes
Log-in Gift
- Get Amazon.in gift card worth Rs.500* on payment of Annual Fee of Rs. 499 +taxes.
e-Shopping Rewards
Earn 10X Reward Points on online spends with exclusive partners: Apollo 24×7/BookMyShow/ Cleartrip/ Dominos/ Myntra/ Netmeds/ Swiggy/ Yatra
Earn 5X Reward Points on all other online spends. Learn More.
Milestone Benefits
e-Vouchers worth Rs. 2,000 each on reaching annual online spends of 1 Lakh and 2 Lakh respectively.
Enjoy Complete Fuel Freedom
1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges). Learn More.
Annual Fee Reversal
Spend Rs 1,00,000 and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
3. SBI Prime Credit Card – One of the Best Reward Credit Cards
SBI Card PRIME is an all-rounder card offering benefits across shopping, rewards, dining, flights, hotels and more. The card gives accelerated rewards on everyday spend categories like groceries, dining and departmental store purchases, making it a good option for high-spenders. Complimentary membership to Priority Pass, Club Vistara and Trident Red Tier are some of the travel privileges that cardholders can avail.
This card definitely deserves a place in 5 best credit cards from SBI list.
- Annual Fee (one-time):Rs. 2,999 + Taxes
- Welcome gift worth Rs. 3,000
- Renewal Fee (per annum):Rs. 2,999 + Taxes
Welcome Gift
Welcome e-gift Voucher worth Rs. 3,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and Yatra. Learn more here.
PRIME Rewards
- Get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies. Learn More here.
Milestone Benefits
Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
Waiver of Renewal Fee on annual spends of Rs. 3 Lakhs
E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
Club Vistara Membership
Enjoy Complimentary Club Vistara Silver membership. Learn More.
Birthday Benefit
Enjoy 20 Reward Points per Rs. 100 spent on your birthday (Reward points on Birthday spends (one day before, on birthday and one day after) is capped at 2000 Reward points per calendar year)
4. Cashback SBI Card- The Best Cashback Credit Card in India
Cashback SBI Card gives me 5% cashback across all online transactions regardless of whether you spend on dining with Zomato, Swiggy or any other online platform, shop at any online platform, book cabs, flights, hotels- the list is endless. This card truely makes a good card and surely makes in the 5 best credit cards from SBI.
The Cashback SBI Card charges an annual fee of Rs. 999 which is higher than other popular cashback cards. However, from second year onwards, you can get the annual fee reversed by spending Rs. 2 Lakh or more in the preceding year.
Features:
Card Cashback
- 5% Cashback on online* spends without any merchant restriction
- 1% Cashback on offline* spends
Hassle free
Card Cashback will be auto-credited to your SBI Card account within two working days of your next statement generation. For details, please see Cardholders T&C
Fuel Surcharge Waiver
- 1% Fuel Surcharge Waiver across all petrol pumps in India*
Spend Based Reversal
- Reversal of Renewal Fee on annual spends of Rs.2 Lakhs
5. BPCL SBI Card Octane: High Value-back on Fuel Spends
- Joining Fee (one-time) :Rs. 499
- Welcome gift worth Rs. 500
- Renewal Fee (per annum) :Rs. 499
Feautures:
Welcome Gift
Get 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee. Learn More
Value Back Benefits
4.25% Valueback ~ 13X* Reward Points on fuel purchases at BPCL petrol pumps. Maximum 1300 Reward Points per billing cycle
3.25% + 1% Fuel surcharge waiver on every BPCL transaction upto ₹ 4000 (exclusive of GST and other charges) . Learn More
Reward Benefits
5X Reward Points on every ₹ 100 spent at Groceries, Departmental Stores, Movies & Dining (Up to 5000 Reward Points per month)
Get 1 Reward Point for every Rs. 100 spent on non-fuel retail purchases. Learn More.
Fuel Freedom Benefits
4.25 % Valueback (13X* Reward Points equivalent to 3.25% + 1% Fuel surcharge waiver on every transaction of upto Rs. 4,000, exclusive of GST and other charges), at any BPCL petrol pump across the country.
Maximum surcharge waiver of Rs. 100 in a billing cycle, which is equivalent to an Annual Savings of Rs.1200. Learn more.
Conclusion:
In this blog, we have discussed about the right credit card as per our need from the list of 5 best credit cards from SBI. Credit cards have revolutionized the way we manage our finances, offering convenience, security, and a host of benefits. Whether you’re a seasoned user or a newbie, understanding the ins and outs of credit cards can help you make the most of this financial tool.
Please note: This information is for general purposes only and does not constitute financial advice. It is important to carefully consider your individual needs and financial situation before applying for any credit card. Always compare different cards and their terms and conditions before making a decision.