SBI Card Credit Cards 2026
SBI Cards and Payment Services, the listed card subsidiary of State Bank of India and the second-largest issuer. Compare 8 cards by fees, rewards, lounge access and eligibility, plus customer care and bill payment details.
Card terms checked 6 October 2026SBI Card credit cards
Best SBI Card card by need
| Need | Card | Annual fee | Why |
|---|---|---|---|
| Cashback | Cashback SBI Card | ₹999 | Online spenders who want flat, simple cashback |
| Rewards | IRCTC SBI Card (Platinum) | ₹500 | Frequent IRCTC train bookers |
| Travel | IRCTC SBI Card (Platinum) | ₹500 | Frequent IRCTC train bookers |
| Lounge access | SBI Card PRIME | ₹2,999 | Everyday category spenders who can hit milestones |
| Fuel | BPCL SBI Card Octane | ₹1,499 | High fuel spenders at BPCL pumps |
| Shopping | Cashback SBI Card | ₹999 | Online spenders who want flat, simple cashback |
| Premium | SBI Card ELITE | ₹4,999 | Mid-premium users wanting lounge access and low forex markup |
| Secured (FD) | SBI Card Unnati | Free | Students and new-to-credit users |
Compare all SBI Card cards
| Card | Joining / annual fee | Reward rate | Lounge | Forex markup | Net value on ₹3 lakh/yr spend* |
|---|---|---|---|---|---|
| Cashback SBI Card | ₹999 / ₹999 | 1.00% base value | None standard | — | ₹3,000 |
| IRCTC SBI Card (Platinum) | ₹500 / ₹500 | 0.80% base value | 4 complimentary railway lounge visits/yr | — | ₹1,810 |
| SBI Card PRIME | ₹2,999 / ₹2,999 | 0.50% base value | Domestic: 8/yr (max 2/quarter); International: 4/yr Priority Pass (ma… | 3.50% | ₹1,500 |
| SBI Card ELITE | ₹4,999 / ₹4,999 | 0.50% base value | Domestic: 2 visits/quarter; International: 6/yr (max 2/quarter) with … | 1.99% | -₹4,399 |
| SBI SimplyCLICK | ₹499 / ₹499 | 0.25% base value | None | — | ₹750 |
| BPCL SBI Card Octane | ₹1,499 / ₹1,499 | 0.25% base value | 4 domestic lounge visits/yr (max 1/quarter) | — | ₹750 |
| SBI SimplySAVE | ₹499 / ₹499 | 0.17% base value | None standard | — | ₹510 |
| SBI Card Unnati | Free / Free | See card page | — | — | — |
* Base reward value on ₹3 lakh of yearly spends minus annual fee + 18% GST (fee treated as waived when the published waiver threshold is ₹3 lakh or less). Accelerated categories, caps and exclusions change the real value — see each card page.
Customer care
| Service | Number |
|---|---|
| Helpline | 1860 180 1290 / 1860 500 1290 |
| Local (prefix STD code) | 39 02 02 02 |
| Toll-free | 1800 180 1290 |
| Escalation | 1860 180 7777 |
| Lost card via IVR | 1860 180 1290 or 39 02 02 02 - press 2 |
Bill payment
- NEFT/IMPS: IFSC SBIN00CARDS, account = 16-digit card number (reflects instantly)
- UPI / QR (instant)
- BBPS using last 4 digits + registered mobile (real-time)
- Paynet via 50+ banks’ net banking (instant)
- Visa Credit Card Pay
- Auto-debit/NACH for MAD or Total due on due date
Eligibility
| Criterion | SBI Card |
|---|---|
| Age | 21-70 (per card pages) |
| Documents | PAN, Aadhaar / address proof, Income proof (salary slip / ITR) |
Frequently asked questions
Which SBI Card credit card is best?
It depends on how you spend. By base reward value, Cashback SBI Card ranks first among the cards we track; for no fees, SBI Card Unnati. Use the comparison table and the value calculator on each card page.
What is the SBI Card credit card customer care number?
Helpline: 1860 180 1290 / 1860 500 1290; Local (prefix STD code): 39 02 02 02.
How do I pay my SBI Card credit card bill?
NEFT/IMPS: IFSC SBIN00CARDS, account = 16-digit card number (reflects instantly); UPI / QR (instant); BBPS using last 4 digits + registered mobile (real-time).
What is the eligibility for a SBI Card credit card?
Age 21-70 (per card pages).
Compiled from SBI Card’s published card terms and reputable card-review sources (per-card source and date on each card page). FinancePortal is not affiliated with SBI Card.