Hello friends! State Bank of India (SBI) offers various conveniences to its customers, ensuring they benefit from their banking experience. Just like debit cards (ATM cards), SBI also provides the facility of credit cards. Similar to the different types of ATM cards, you’ll find a variety of SBI credit cards that can be quite useful for you.

In today’s article, I’ll provide information on how to apply for an SBI credit card. You’ll discover which SBI credit card you should apply for, the benefits you can enjoy, eligibility criteria, and how to apply online. So, let’s dive into the details from start to finish! 🌟

First, let’s explore the wide range of SBI credit cards available. You can choose from 38 different credit cards, each tailored to suit your lifestyle. Here are some of the SBI credit cards you’ll find:

1. Titan SBI Card
2. Rupay
3. Reliance SBI Card
4. Reliance SBI Card PRIME
5. SBI Card PULSE
6. CASHBACK SBI Card
7. SimplyCLICK SBI Card
8. BPCL SBI Card
9. BPCL SBI Card OCTANE
10. SBI Card ELITE
11. SimplySAVE UPI SBI Card
12. Aditya Birla SBI Card
13. Aditya Birla SBI Card SELECT
14. FABINDIA SBI CARD SELECT
15. FABINDIA SBI CARD
16. Club Vistara SBI Card
17. Yatra SBI Card
18. Club Vistara SBI Card PRIME
19. IRCTC SBI Card Premier
20. IRCTC SBI Platinum Card
21. IRCTC SBI Card (on RuPay platform)
22. Lifestyle Home Centre SBI Card
23. Lifestyle Home Centre SBI Card PRIME
24. Lifestyle Home Centre SBI Card SELECT
25. Max SBI Card
26. Max SBI Card PRIME
27. Max SBI Card SELECT
28. Spar SBI Card
29. Spar SBI Card PRIME
30. Spar SBI Card SELECT
31. Doctor’s SBI Card (in association with IMA)
32. Doctor’s SBI Card
33. Central SBI Select+ Card
34. Air India SBI Platinum Card
35. Etihad Guest SBI Premier Card
36. Etihad Guest SBI Card
37. Apollo SBI Card

These credit cards come with exciting benefits, including shopping rewards, entertainment perks, and travel privileges. Applying for an SBI credit card is now easier than ever. You can do it online in just three simple steps. Get ready to enjoy the premium benefits and rewards that come with SBI credit cards!

SBI Credit Card Apply Online Eligibility

To apply for any SBI Credit Card, you need to meet some basic requirements. Here they are:

Age Limit:

The primary applicant should be between 21 to 60 years old, and add-on card applicants should be over 18 years old.

• Age Limit: The primary applicant should be between 21 to 60 years old, and add-on card applicants should be over 18 years old.
• Occupation: You can apply if you’re a salaried employee, self-employed, student, or retired pensioner.
• Income Stability: The primary applicant should have a stable gross income of up to Rs. 3 lakh per year.

SBI offers credit cards to both salaried employees and students. Here’s what you need to know about eligibility:

For Salaried Employees:

• You should be an Indian resident.
• Your age should be between 18 to 65 years old.
• Your CIBIL score should be above 750.
• You must have a regular income of at least Rs. 2 lakh per year.

You need to provide documents like salary slips for the past three months, bank statements showing salary deposits, and valid ID, address, and age proofs.

For Students:

• You should be an Indian resident.
• You should be over 18 years old.
• You need to provide documents like PAN card, age proof, college enrollment proof, and other KYC-compliant documents.
• You should have a fixed deposit account with Rs. 25,000 or more, which will determine your credit limit.

SBI Credit Card Apply Documents Required

For SBI Credit Cards, you’ll need to provide certain documents along with your filled application form. Here’s what you’ll need:

Proof of Identity:

• PAN Card
• Aadhaar card
• Driver’s License
• Passport
• Voter’s ID
• Overseas Citizen of India Card
• Person of Indian Origin Card
• Job card issued by NREGA
• Letters issued by the UIDAI or any other government-approved photo ID proof

Proof of Address:

• Aadhaar card
• Driver’s License
• Passport
• Utility Bill not older than 3 months
• Ration Card
• Property Registration Document
• Person of Indian Origin Card
• Job card issued by NREGA
• Bank Account Statement or any other government-approved address proof
• Proof of Income:

• Latest one or two salary slips (not older than 3 months)
• Latest Form 16
• Last 3 months’ bank statement

SBI Credit Card Apply Process

To apply for an SBI Credit Card online, follow the steps below:

Step 1: Open the SBI Yono App. First, open the SBI Yono App on your mobile or computer. Then, enter your MPIN and click on ‘Login’.

Step 2: Click on the ‘Cards’ option. After logging into the SBI Yono App, you will see different options on the home page. Click on the ‘Cards’ option to apply for a credit card.

Step 3: Click on ‘Browse All Cards’. After clicking on the ‘Browse All Cards’ option on the new page, you will see all the SBI Credit Cards displayed. Select the credit card according to your preference.

Step 4: Select the type of SBI Credit Card. Choose the category for which you want to get a Credit Card. For example, if you want a credit card for rewards, select ‘Reward’. And if you want a credit card for shopping, click on the ‘Shopping’ option.

Step 5:  Click on ‘Apply Now’. Now, simply click on ‘Apply Now’ for the SBI Card option. As soon as you click, your Name, Gender, Date Of Birth, Pan Card Number, Phone Number, and other details will be selected automatically.

Step 6:  Fill in the details and click on Next. Now, enter your mother’s name and click on the ‘Next’ button.

Step 7:  Verify the Address.Verify your address, along with occupation, company name, and designation. Then click on the ‘Submit’ button.

Step 8:  Verify the OTP code. Now, you will receive an OTP on your registered mobile number. Enter that OTP and click on the submit button.

Step 9: Complete your video KYC. Now, you will receive a Video Call from SBI Customer Care, where you’ll need to complete the KYC process. After verifying all the information, you’ll need to deposit a copy of your passport-size photo and identification proof photo to the bank. After this, within 20 to 25 days, the SBI Credit Card will be sent to your address.

By following the above process, you can easily get an SBI Credit Card.

SBI Credit Card Benefits

Safe and Convenient:

SBI Card is a secure and user-friendly card that allows you to save and manage your expenses better. It’s a reliable card that helps you effectively control your expenses.

Wide Coverage:

SBI Card offers various types of card options for different needs, including shopping, dining, travel, and entertainment. You can choose the card that suits your requirements, making it a versatile card option for everyone.

Reward Points: 

SBI Card rewards its customers with reward points for every transaction made using the card. These points can be redeemed for various gifts, vouchers, and merchandise.

Contactless Payments: 

SBI Card provides contactless payment options, making payments even more convenient. You can simply wave your card in front of the card reader to make a payment.

Easy EMI: 

SBI Card offers easy EMI options for high-value purchases, allowing customers to pay for their purchases in installments without any additional interest or processing fees.

International Usage: 

SBI Card can be used internationally, making it convenient for customers to shop or withdraw cash during foreign travel.

Insurance Coverage: 

SBI Card provides insurance coverage for various situations, including loss of goods, flight delays, and accidents during travel.

Fuel Surcharge Waiver: 

SBI Card offers a fuel surcharge waiver of 1% on transactions between Rs. 500 and Rs. 4,000 at petrol pumps, making it a more cost-effective option for customers who frequently use their vehicles.

Potential Drawbacks Of Having A Credit Card

Overspending: 

Sometimes, individuals tend to overspend with their credit cards, leading to unnecessary expenses.

Accumulation of Interest:

 If you fail to pay off your credit card bill on time, you may end up accumulating a significant amount of interest, increasing the overall cost of your purchases.

Hidden Charges: 

Often, individuals are not fully informed about the hidden charges and annual fees associated with their credit cards when applying for them. It’s essential to gather all necessary information regarding these charges before applying for a credit card.

So, while credit cards offer various benefits, it’s crucial to be aware of these potential drawbacks and manage your finances responsibly.

SBI Credit Card Apply Online [FAQs] –

What should be the minimum income requirement for a credit card?

For a credit card, you should have a minimum income of at least Rs. 10,000. Otherwise, some banks may require an income of up to Rs. 25,000 for a credit card.

How long does it take for a credit card to be issued?

After applying for a credit card, it takes approximately 20 to 25 days for the SBI Credit Card to be issued and delivered to your address.

What is the minimum salary required for an SBI credit card?

To apply for an SBI credit card, you should have a minimum salary of Rs. 15,000. If your salary meets this criterion, you can apply for an SBI credit card under the general category.

How to Get an SBI Credit Card?

To obtain an SBI credit card, you need to have the necessary documents and fulfill the bank’s requirements. After that, you can apply for your credit card as per the information provided in this article.

How long does it take to get an SBI Credit Card?

After applying for SBI Credit Card Online, there is a verification process, and after approval by the bank, your credit card is dispatched. This process may take approximately 20 to 25 days.

Which is the best SBI credit card?

The best SBI credit card is the SBI Simply Saving Credit Card, which requires minimal charges.

How to Apply for SBI Credit Card Online?

If you are an SBI bank customer and want to apply for a credit card online, you can read this entire article. It provides complete information step by step.

Summary:

Friends, in this article, we have provided you with complete information about [SBI Credit Card Apply Online] step by step. Hopefully, you liked the information provided in this article. Please share it with your friends and if you have any questions, you can ask them by commenting below in the comment box. Thank you very much for reading this article. Have a nice day.