SBI Credit Card: All You Need to Know

SBI Credit Card is issues by the State Bank of India and it is one of the most widely used credit cards in the country today. It offers the user a wide range of services and privileges to its clients. SBI plans to make life simple for the users and so it has one credit card to take care of all the needs of the card holder and be it travel or premium privileges, SBI gives a vast array to choose from. Card holders have the option of converting their purchases into monthly EMIs which significantly reduces their financial burden. There are features like Cash Advance facility and balance transfer on EMIs which makes life easier for the card holder.

 

What are the SBI Credit cards benefits?

SBI Credit Cards chooses to reward their users with great discounts and deals every time they use their cards. There are cards that can be used for both individual as well as for corporate requirements. The card ensures the minimum liability for the clients and it also provides a very secure network to prevent its clients from falling prey to credit card scams. In case of loss of credit cards, SBI makes it simpler to protect oneself from sham transactions. In case of a mercantile being doubtful about receiving a credit card payment, a Code 10 call can be made which ensures secure transactions. The card has a very high withdrawal amount and users can use it to withdraw cash from over 1 million ATMs around the world. The SBI credit card is also accepted anywhere in the world and boasts of more than a million partner establishments globally. The Easy Bill facility makes it easier to convert the payments into EMIs and then pay all the utility bills online.

 

What are the SBI Credit Card Offers?

 

Apart from the usual membership privileges, there are a host of other benefits and offers to be availed form SBI credit cards. One can avail online support 24*7 and the card provides a gateway to top entertainment, dining and luxury destinations in the world. There are various other value added services and offers on SBI cards. Balance Transfer in SBI allows a user to transfer the balances from other high rated credit cards to SBI and pay the balance at the lower interest that SBI has. Balance transfer is also allowed on EMIs through the FlexiPay feature and the EMIs have the lowest interest rates in the industry today. The SBI card helpline, through EasyMoney, can be used to order a bank draft anytime and the amount would be directly drafted to the SBI card using which one can pay the bills, fees and taxes without any hindrances. Credit card e- statements are sent directly to the inboxes and saves postal costs and delays. The Encash- Money on Call facility provides ease of access to instant cash and that too, without any documentation. The cheque for cash will be delivered in 3 working days. SBI Credit Card Insurance has the CPP or the Card Protection Plan where customers are safeguarded against card loss, theft and card related frauds.

 

What is the process of SBI Credit Card Application?

SBI Credit card application can be made both online and offline and it is one of the most sought after financial products in the market today. SBI credit cards can be applied for through the official website of www.sbicard.com. In the website, after going through the general rules and regulations of the credit cards and going through the advantages and benefits it offers, all one has to do is click on the Apply option of the right hand side of the page. The page will be redirected where the users will have to choose from three options:

  • Help Me Find a Card
  • Track My Application
  • Retrieve My Application

 

The first option will take the user through the 16 credit cards that SBI offers and the user can choose the card they find the most suitable for them, depending on their minimum annual income and the reward points the card would get them. After the user has clicked on the Apply Now tab, they would have to fill in some important information like Name, City, Occupation, Date of Birth, Qualification, Annual Income, PAN Number, Email id,  Mobile Number and OTP (That will sent to the applicant’s registered mobile number.

 

Alternately, one could directly walk into any SBI branch and apply for a card offline and duly fill out the form.

 

How to Check American Express Credit Card eligibility?

To be eligible for a SBI credit card, the applicant should be above 18 years and must be an Indian resident. A good CIBIL score would be an added bonus. The various SBI credit cards have various criteria depending on the nature of the card which can be individually enquired about from the website or through the bank. All the KYC documents have to be submitted for verification, along with a copy of Aadhaar card, acopy of current residential address proof (passport or voters ID or driving license or identity card issued by NREGA, a letter issued by national population register (NPR) with details of name and address), the Copy of PAN card or form 60 and one passport size photograph. The KYC form should be duly signed as well.

 

Types of SBI Credit Cards

Among the various SBI Credit Cards, the following are some of the most popular ones and have thousands of users.

  • SBI Card ELITE
  • SBI Card PRIME
  • SBI Advantage Platinum Credit Card
  • Air India SBI Platinum Card
  • SimplyCLICK SBI Card
  • FBB SBI STYLEUP Card
  • SimplySAVE SBI Card
  • Yatra SBI Card

 

There are also a number of Premium SBI Cards like:

  1. SBI Signature Card
  2. SBI Advantage Platinum Card
  3. SBI Advantage Signature Card
  4. SBI Card
  5. SBI Platinum Card

 

Apply for the SBI Credit Card that you feel most suits your needs and requirements and you are sure to experience a sea change in your lifestyle as SBI opens new doors for you and your family.