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SBI Credit Card

Apply online for SBI Credit Card: Check your SBI Credit Card Eligibility ✓ Offers ✓ Fee charges ✓ Reward Points ✓ Apply Online instantly at IndiaLends.

How it Works



Apply for a Credit Card online by filling an easy application form.


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Choose a Credit Card which best suits your needs and lifestyle.


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Receive instant approval on your SBI Credit Card.

Basic Eligibility Criteria


Good Credit Score


Above 21 Years of Age


Self-Employed or Salaried Professional

indian residence

Resident of India


Valid Bank Account

id card

Aadhar Card , Voter ID / Driving License and PAN Card


Bank Statements for The Last Three Months


Salary Slips for The Last Three Months

Comparison Table For SBI Credit Cards

IndiaLends offers a wide range of SBI credit cards online with various benefits and rewards. Each SBI credit card offers unique benefits and different credit cards for fulfilling all your needs and lifestyle requirements. SBI Credit Cards come with different reward schemes and cash back offers depending upon the credit card you pick. The popular types of reward schemes available are – Fuel, Travel, Shopping, Premium, and others.

Apply for our range of SBI Credit Cards online in less than 2 minutes. Before doing so, you should check your eligibility in the ‘SBI Credit Card Eligibility’ section and compare the range of SBI Credit cards.

Name of the SBI Credit Card Joining Fees Joining Perks Reward Points
SimplySave SBI Credit Card Rs.499 2,000 bonus Reward Points.
  • 10 Reward Points per Rs.100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • 1 Reward Point per Rs.100 spent on other spends. (4 Reward Points = Rs. 1)
SimplyClick SBI Credit Card Rs.499 + applicable taxes Rs.500 worth Gift Card.
  • 10X Reward Points with exclusive partners.
  • 5X reward points on all other online spends.
  • Milestone rewards of Rs.2,000 on online spends of Rs.1,00,000 and 2,00,000 respectively
Air India SBI Signature Credit Card Rs.4,999 20,000 reward points on payment of your joining fee.
  • 4 Reward points for every Rs.100.
  • Up to 1,00,000 bonus reward points annually.
  • 30 Reward points for every Rs.100 spent on Air India tickets.
Air India SBI Platinum Credit Card Rs.1,499 5,000 reward points on the payment of your joining fee
  • 15 Reward points for every Rs.100
  • Enjoy anniversary gift of 2,000 Reward points every year when you pay your renewal fee
SBI ELITE Credit Card Rs.4,999 Rs.5,000 worth E- Gift Voucher
  • 5X Reward Points on Dining, Departmental stores, Grocery and International spends.
  • 2 Reward Points per Rs. 100.
  • Rs. 6,000 worth free Movie Tickets every year.
Yatra SBI Credit Card Rs.499 + applicable taxes Rs.8,250 with your Yatra SBI Card on joining fee payment
  • 6X Reward Points on every Rs. 100 spent at Departmental and grocery stores, Dining, Movies, Entertainment and International spends
  • 1 Reward Point = Rs. 0.25 and is redeemable at
STYLEUP Contactless Credit Card Rs.499 Free gift voucher* worth Rs.500 redeemable at any Fbb/ BigBazaar store.
  • Upfront discount* of flat 10% round the year at Fbb and Big Bazaar outlets.
  • 10X Reward Points on all your Dining expenditures.
  • Anniversary gift* of 2,000 Bonus Reward Points every year.
IRCTC SBI Platinum Credit Card Rs.500 No joining perks
  • 350 activation bonus Reward points on every Rs.500.
  • Upto 10% Value Back for rail ticket purchases with IRCTC SBI Platinum Card.
Mumbai Metro SBI Credit Card Rs. 499 Rs.50 Preloaded value on your Mumbai Metro Smart Card.
  • 2000 reward points on spends of Rs.2000.
  • 10X Reward Points and upto 20% discount.
  • 10 Reward Points per Rs.100 spent on Auto top up.
SBI Card Prime Rs.2,999 Rs.3,000 worth welcome e- Gift Voucher.
  • 5X Reward Points on all Dining, Grocery, Departmental and International spends.

Frequently Asked Questions

General Questions

Q. What is a Credit Card?

A. A Credit Card is a plastic card issued by a financial institution which offers a line of credit to the customer to purchase goods/services. This line of credit comes with a limit which allows a customer to consume up to a specific amount, set by the financial institution which has offered the card.

Q. How is a Credit Card different from a Debit Card?

A. A Debit Card allows you to withdraw money which has already been deposited in you Bank. Hence, the money that is being used is deducted from your Bank account. However, a Credit Card is a form of Credit which is not related to your Personal bank accounts.

Q. What are the features of a Credit Card?

A. The features of a Credit Card are:
  1. Credit Cards have universal acceptability.
  2. For using a Credit Card, a customer has to pay a fixed sum as annual fees. However, financial
  3. Institutions generally waive off the charges if the customer meet a certain criteria in terms of his expenditure behaviour.
  4. Credit Cards also come with a Balance Transfer option, allowing the customer to transfer its balance to another card and avail the benefits of cheaper interest rates.
  5. Customers can settle the balance with Monthly EMIs.
  6. Credit Cards come with a 24/7 service, unlike other card forms.
  7. Customers can easily pay off their utility bills using Credit Cards.

Q. What are the benefits of using a Credit Card?

A. Using a Credit Card comes with a lot of benefits:
  1. Ease in payments while shopping, dining, travelling and settling bills.
  2. Timely repayments on Credit Cards help in improving your Credit Score.
  3. Access to premium services offered by the financial institution which issued the card.
  4. Amazing discounts and cashbacks upon the purchases made using the card.
  5. Access to more funds in times of immediate need
  6. Expenditure tracking and monitoring using the modules offered.

Q. What is EMI? How is it calculated?

A. An equated monthly instalment (EMI) is the amount of money that is paid back to the lender on a monthly basis. It is essentially made up of two parts, the principal amount and the interest on the principal amount equally divided across each month in pre-decided tenure. The EMI is always paid up to the bank or lender on a fixed date each month until the total amount due is paid up during the tenure.

Q. Why will my Credit Card application be rejected?

A. If you have a bad Credit Score, have defaulted on repayments or don’t meet the basic criteria, you are likely to get rejected. If you do not meet the bank’s eligibility, you are likely to get rejected as well.

Credit Card Eligibility Questions

Q. What is the eligibility criteria for Credit Cards?

A. Anyone - whether self-employed or salaried professionals — with a regular source of income can apply for a Credit Card. One must be 21 years old at the time of applying. One must also have a good credit history to be eligible for a Credit Card. If you are interested in checking your credit history and learning about your credit worthiness before applying for a Credit Card, click here.

Q. What are the documents required for applying for a Credit Card?

A. Financial Institutions generally request for the following documents as identity and address proof. of Credit which is not related to your Personal bank accounts.
  1. PAN Card
  2. Passport
  3. Driving License/Voter ID
  4. Aadhar Card
  5. Ration Card

Application Process and Fee Questions

Q. What are the other charges included in the Credit Cards process?

A. IndiaLends does not charge its customers any fees for applying for Credit Cards on its platform. However, financial institutions can charge the following fees along with interest payments:
  1. Add on Card Fee - The fee charged for applying for another card which shall have all the features of your primary Credit Card.
  2. Extended Credit Charges - It is a fee charged by financial institutions for extending the customer’s credit limit.
  3. Cash Withdrawal Charges – The charges paid by the customer to the financial institution for withdrawal of money.

Q. What are the modes available for Credit Card bill payments?

A. Net Banking, NEFT/RTGS Transfers, Debit Cards, Visa Money Transfer, Cash, Cheques, Demand Drafts are some of the ways of making Credit Card Bill Payments.

Q. What factors should I consider while taking a Card?

A. You need to consider the following factors when you take a Credit Card:
  1. Purpose of the Credit Card
  2. Expense behaviour to select the best Reward Scheme
  3. Number of Credit Cards you’re currently holding. Ideally, a customer should hold not more than 3 Credit Cards
  4. Any active loan/heavy EMI payment
  5. Interest Rate on the card
  6. Customer Service

IndiaLends - Specific Questions

Q. Will I be charged by IndiaLends for services offered?

A. No. The services offered by IndiaLends are completely free of charge.

Q. After I submit my application to IndiaLends, what next?

A. Once you fill-up our application form, your application will be matched with the best financial institution based on your credit profile, and will be securely sent to them. You will soon be contacted by the lender directly for disbursal.

Q. How do I apply for a Credit Card with IndiaLends?

A. You can fill-up our short application form and get a status update within minutes of applying.

Q. Can I deactivate my Credit Card?

A. Yes, Once you have decided to close your credit card, the first thing you need to do is to contact your card issuing bank and tell them regarding your card cancellation request. They will ask the reason behind your cancellation request to further guide you through the whole credit card cancellation procedure. According to the norms, you will have to send a written communication via email to your concerned bank so that they can verify and cross check the authenticity of the request. Do keep in mind, your cancellation request will only be accepted once your card holds no dues.