Best SBI Credit Cards in India 2018

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Best SBI Credit Card in India 2018: State Bank of India (SBI) is the second largest credit card owner in India. SBI offers a wide range of Credit Cards such as SBI Card ELITE, SBI Card ELITE Advantage, SBI Card Prime, SBI Card Prime Advantage, TATA Platinum Card, TATA Titanium Card, SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card Unnati, Central SBI Select+ Card, Central SBI Select Card, STYLEUP Contactless Card, Capital First SBI Card, SimplyCLICK Advantage SBI Card, SimplySAVE Advantage SBI Card, Fbb SBI STYLEUP Card, Air India SBI Signature Card, Air India SBI Platinum Card, Chennai Metro SBI Card, Mumbai Metro SBI Card, IRCTC SBI Platinum Card and Yatra SBI Card.

But it’s a hard job for the customer to choose the best SBI credit card from the list. In this article I will help you to choose the top 10 best SBI credit cards by reviewing their features & charges.

Best State Bank Credit Cards of 2018:

1.SBI Simply Click Credit Card:

SBI Simply click credit card is intended to those who spend more on online shopping. With SimplyCLICK SBI Card, you get unlimited privileges including Log-in Gift, e-Shopping Rewards, Milestone Rewards, Complete Fuel Freedom, Annual Fee Reversal and Contactless Technology.

  • Get Amazon.in gift card worth Rs.500* on joining
  • Earn 10X Reward Points on online spends with exclusive partners – Amazon / BookMyShow / Cleartrip / Foodpanda / Lenskart / UrbanClap/ Zoomcar
  • Earn 5X rewards on all other online spends
  • e-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
  • e-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakhs
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
  • Spend Rs 1,00,000 and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.
  • Simply wave your card at a secured reader and your transaction is done

Charges & Fee:
SBI Simply click credit card Joining Fee :  Rs.499
SBI Simply click credit card Annual Fee (Renewal Fee): Rs.499 (Second Year Onwards)

Offers:
*40% off on UrbanClap with SimplyCLICK SBI Card for first time UrbanClap users (Validity: 31st Mar’18)
*Rs.600 off on booking Self-Drive Zoomcar worth Rs.2,500 or more with SimplyCLICK SBI Card (Validity: 31st Dec’17)

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2.Yatra SBI Credit Card:

SBI Yatra credit card is suitable for those travel more, especially air travel. This card comes with a welcome gift from partner Yatra.com vouchers worth Rs. 8,250 on joining (Welcome vouchers will be dispatched on payment of 1st year annual fee). Also offers travel benefits, Reward benefits, Complimentary Lounge Access, Complimentary Air Accidental cover & Fuel Surcharge Waiver. SBI Yatra card is an international credit card that means, you can use this card at over 24 million outlets worldwide, including 3,25,000 outlets in India. Also You can withdraw cash from over 1 million MasterCard ATMs, including 18,000 ATMs in India and over 10,000 SBI ATMs across 100 plus cities in India

Charges & Fee:
SBI Yatra credit card Joining Fee :  Rs.499
SBI Yatra credit card Annual Fee (Renewal Fee): Rs.499
(Annual fee waived if total annual spends for last year >Rs. 90,000)

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3.SBI IRCTC Platinum Credit Card:

IRCTC SBI Platinum Card is intended for train travelers. It comes with features such as 10% value back as Reward Points for railway ticket purchases, 350 bonus Reward Points on activation, 1.8% transaction charges waiver, on railway ticket bookings on irctc.co.in, 1% fuel surcharge waiver at all petrol pumps.

  • Get 1 Reward point for every Rs. 125 spent on non-fuel retail purchases, including railway ticket purchases at irctc.co.in
  • Save 1.8% transaction charges on railway ticket bookings on www.irctc.co.in
  • Log on to irctc.co.in and avail exclusive travel privileges
  • Book your airline tickets with IRCTC at unbeatable prices
  • Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 – Rs. 3,000, exclusive of GST and other charges

Charges & Fee:
IRCTC SBI Platinum Card Joining Fee :  Rs.500
IRCTC SBI Platinum Card Annual Fee (Renewal Fee): Rs.300

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4.SBI PRIME Credit Card:

SBI PRIME credit card is a premium card and has the features such as Welcome Gift, PRIME Rewards, Milestone Benefits, Trident Privilege Membership, Club Vistara Membership, Lounge Access, Birthday Benefit & Master Card/VISA privileges.

  • Welcome e-gift Voucher worth Rs. 3,000 from any of the following brands: Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com
  • Get 20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments
  • Get 15 Reward Points per Rs. 100 spent on BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar stores
  • Get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies
  • 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
  • Enjoy complimentary Trident Privilege Red Tier Membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay, by clicking here & using Promocode: SBITH
  • Click here to apply for your complimentary Trident Privilege Red Tier Membership
  • Enjoy Complimentary Club Vistara Silver membership
  • Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
  • Click here to apply for your exclusive Club Vistara Silver membership
  • Enjoy 20 Reward Points per Rs. 100  spent on your birthday

Charges & Fee:
SBI PRIME credit card  Joining Fee :  Rs.2999
SBI PRIME credit card  Annual Fee (Renewal Fee): Rs.2999

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5.SBI Air India Signature Credit Card:

Air India SBI Signature Credit Card is intended for air travelers, and has packed with features like Bon Voyage, Spend More Get More, Elevate Every Time you Fly, Be our Guest at Leading Airports.

  • Get 20,000 Reward points* as a welcome gift on payment of your joining fee
  • Enjoy complimentary membership of the Air India Frequent Flyer program-Flying Returns
  • Get 4 Reward points for every Rs. 100 spent.
  • Get up to 1,00,000 bonus Reward points annually
  • Convert your Reward points into Air India miles. 1 Reward point is equal to 1 Air India Air mile
  • Earn upto 30 Reward Points for every Rs. 100 spent on Air India tickets booked through airindia.com, airindia mobile app.
  • 30 Reward Points when booked for self and 10 Reward Points when booked for others.
  • Enjoy International Airport Luxury Lounge Access to over 600 airport lounges with complimentary Priority Pass Program
  • Enjoy the complimentary Visa Lounge Access Program in India at major domestic airports. For details, click here

Charges & Fee:
SBI Air India Signature Card Joining Fee :  Rs.4999
SBI Air India Signature Card  Annual Fee (Renewal Fee): Rs.4999
(Welcome gift of 20,000 Reward points + Anniversary Gift of 5,000 Reward Points)

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6.SBI STYLEUP Contactless Credit Card

SBI STYLE UP Contact less Credit Card is for shopping enthusiasts. This card comes with features 1% SBI STYLEUP Contactless Credit Card, 10X STYLEUP Sage, STYLEUP Gifts for you, CONTACTLESS Transactions and Fuel Surcharge Waiver.

  • Upfront discount* of flat 10% round the year, whenever you shop for Fashion Apparel, Accessories, Backpacks, Footwear & School Bags at Fbb and Big Bazaar Stores
  • No cap on count or value of daily, monthly or yearly discount
  • 10X Reward Points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures
  • On all your other retail spends (less fuel) earn 1 Reward Point per Rs. 100 spent
  • Welcome gift* of Rs. 500 worth Fbb gift voucher
  • Anniversary gift* of 2,000 Bonus Reward Points every year
  • CONTACTLESS Transactions
  • Simply wave your STYLEUP Contactless card at a secure reader, & your transaction is done. It is fast, easy and incredibly convenient
  • Get freedom from paying the 1% fuel surcharge on every transaction of Rs. 500 to Rs. 3,000
  • A maximum surcharge waiver of Rs. 100 can be availed per cycle on your STYLEUP Card

Charges & Fee:
SBI STYLE UP Contact less Credit Card Joining Fee :  Rs.499
SBI STYLE UP Contact less Credit Card Annual Fee (Renewal Fee): Rs.499

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7.SimplySAVE SBI Credit Card:

This shopping oriented credit card from SBI comes with Extravaganza Offers, 10x Reward Points, Complete Fuel Freedom and Spend Based Reversal.

  • Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points
  • Enjoy 10 Reward Points per Rs 100 spent on Dining, Movies, Departmental Stores and Grocery Spends
  • On all your other spends, earn 1 Reward Point per Rs 100 spent
    (4 Reward Points = Rs. 1)
  • Get freedom from paying the 1% fuel surcharge at any petrol pump
  • Transact an amount between Rs. 500 to Rs. 3,000 at any petrol pump in India to avail this offer
  • Get annual membership fee reversal from second year of your subscription
  • To avail fee reversal, you need to have spent Rs. 90,000 or more on your SimplySAVE SBI Card in the previous year

Charges & Fee:
SBI Simply SAVE Credit Card Joining Fee :  Rs.499
SBI Simply SAVE Credit Card Annual Fee (Renewal Fee): Rs.499

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8.SBI Card ELITE Credit Card:

SBI Elite Credit Card packed with features such as Welcome Gift, Complimentary Movie Tickets, Milestone Privileges, Elite Rewards, International & Domestic Lounge Program, Club Vistara Membership, Trident Privilege Membership, Lowest Forex Markup and Exclusive Concierge Service.

  • Welcome e- Gift Voucher worth Rs. 5,000
  • Choose from an array of travel and lifestyle brands : Yatra, Hush Puppies/Bata, Marks & Spencer, Pantaloons and Shoppers Stop
  • Free Movie Tickets worth Rs. 6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable
  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs
  • Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
  • Earn 2 Reward Points per Rs. 100 on all other spends
  • Complimentary membership to the Priority Pass Program worth $99
  • 6 complimentary Airport Lounge visits per year, outside India ( max. 2 visits per quarter)W.e.f. 1st July 2017
  • Access over 1000 Airport Lounges worldwide
  • Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
  • To avail the offer, please use your SBI Card ELITE at the respective lounges
  • Enjoy complimentary Club Vistara Silver membership
  • Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
  • Enjoy complimentary Trident Privilege Red Tier membership
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay, by clicking here & using Promocode: SBITH.
  • 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.
  • Exclusive assistance with gift delivery, customized holiday packages, travel, movie & hotel reservations
  • Exclusive discounts at leading Spa’s and Lifestyle Stores

Charges & Fee:
SBI Elite Credit Card Joining Fee :  Rs.4999
SBI Elite Credit Card Annual Fee (Renewal Fee): Rs.4999

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9.SBI Tata Titanium Credit Card:

With Tata Titanium Card, you are entitled to special offers like Joining offers, Value back, Empower points, spend based fee reversal etc.

  • Get 500 Empower Points worth Rs. 500 on total spends of Rs. 2,000 or more
  • You get these points within 60 days of receiving the card
  • Get 1.5% value back on spends at Croma and cromaretail.com
  • Get up to 5% value back on spends on Tata outlets
  • Get 3X Points for spends on Departmental and Grocery stores
  • 1 point per Rs. 100 spent on other retail outlets
  • 1 Empower Point = Re .1
  • Get your annual fee waived off, on spending Rs. 90,000 or more in a year

Charges & Fee:
SBI Tata Titanium Credit Card Joining Fee :  Rs.499
SBI Tata Titanium Credit Card Annual Fee (Renewal Fee): Rs.499

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10.SBI Unnati Credit Card:

SBI Unnati Credit Card is free for 4 years (no annual renewal fee for 4 years). It comes with Rewards on Spends, Milestone Rewards, Complete Fuel Freedom & Secured Card features.

  • SBI Card Unnati is free for first 4 years
  • Get 1 Reward Point per Rs 100 spent
  • Use your Credit Card Reward Points to redeem against a wide array of gifts from the Rewards Catalogue.
  • Rs 500 cashback on spends of Rs 50,000 or more in a year
  • Applicable for all membership years
  • 1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)
  • The card is issued with a lien on Cardholder’s fixed deposit with State Bank of India of Rs. 25,000 or more

Charges & Fee:
SBI Unnati Credit Card Joining Fee :  Rs.0
SBI Unnati Credit Card Annual Fee (Renewal Fee): Rs.499 (from 5th year onwards)

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These are the top 10 best SBI credit cards for the year 2018 on my review. If you have any questions or concerns submit your message at the comment box below.