Do you want to apply for SBI Credit Card or have applied for the credit card and you are waiting for the activation? Whichever one is your own case, you do not have to worry anymore as every necessary information that you have been searching for about the SBI credit card is well provided here.
SBI Card is a leading credit card issuer in India offering credit cards with benefits across multiple categories. SBI Simply Save, SBI Simply Click, Cashback SBI Card, SBI Card ELITE and BPCL SBI Card are some of the most popular SBI credit cards.
Since each card is focused on unique individual needs such as shopping, travel, fuel, groceries, etc., choosing the right card could be confusing.
To help you make an informed decision, here we have listed the top SBI credit cards. You can compare and apply for select SBI Credit Cards at Paisabazaar. See Best Cards in SBI.
With SBI credit cards, you can earn reward points and cashback and avail of other benefits such as complimentary lounge access and memberships, discounted movie tickets, co-branded privileges, etc.
In this article, I am going to be giving a list of the best SBI Credit Cards in 2023 based on their features and benefits, and how you can apply for and activate SBI Credit Card. Ensure you continue reading for more detailed information.
Benefits of SBI Credit Cards
As mentioned above, different SBI cards come with different features and benefits. However, some common benefits are applicable to each SBI credit card.
Add-on Cards– With your primary credit card, you can avail add-on cards for your spouse, parents or children above the age of 18 years. Such cards usually come with the same benefits as primary cards.
Encash Facility– Cardholders can avail instant cash using Encash Facility and pay off in easy installments of up to 48 months. Encash offer is given over and above the existing credit limit of the user whereas Encash Inline is given within the existing credit limit.
Flexipay Feature– You can convert big purchases into easy EMIs, using SBI Card’s Flexipay feature. Choose from a tenure of 3, 6, 9, 12, 18 or 24 months to convert transactions above Rs. 2,500 made during the last 30 days.
Balance Transfer– If you have high balances on other bank credit cards and find it difficult to pay off, you can transfer the balance to your SBI credit card and save on the finance charges.
Balance transfers also carry interest but it will be much lower than the finance charges applicable on revolving balances. Check HDFC NetBanking.
Overlimit Facility- You can also spend more than your available limit by using the overlimit facility on your SBI Credit Card. However, overlimit charges will be applicable.
Automated Utility Bill Payment– To manage all your utility bill payments, you can set standing instructions on your SBI Card. This is known as Easy Bill Pay feature.
Insurance Cover– Some SBI Credit Cards, particularly premium cards, also offer complimentary insurance covers such as air accident insurance cover, overseas hospitalization cover and more.
Easy Access via SBI Card Mobile App– SBI credit cardholders can manage their credit cards with ease on the SBI Card Mobile App.
They can make SBI credit card payments, check statements, and unbilled transactions, and use additional services like Encash, Flexipay, etc.
SBI Credit Card: Eligibility & Documentation
The general eligibility criteria to avail of an SBI Credit Card are listed below:
Age: You should be aged between 18 to 60 years to apply for SBI Credit Cards.
Occupation: You can apply if you are either Salaried or Self-employed.
Documents Required for SBI Credit Cards: Along with a duly filled application form, applicants will be required to submit proof of identity, proof of address and proof of income. Given below is the list of acceptable documents in each category.
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 more than 3 month’s old, 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 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement
Note: SBI Card may ask for documents other than those mentioned above, as per their internal policies.
How to Apply for SBI Credit Card?
You can compare and apply for SBI Credit Cards online by following the steps below:
- ENTER YOUR MOBILE NUMBER
To start your SBI credit card application process, provide your mobile number in the credit card form.
- VERIFY OTP AND CHECK AVAILABLE OFFERS
Provide your OTP for verification to check pre-approved offers.
- SELECT PREFERRED SBI CREDIT CARD
Compare available options as per your eligibility and select the best SBI credit card that suits your requirements.
- APPLY AND PROVIDE DOCUMENTS
Apply for the suitable credit card and provide documents for smooth processing of the application.
How to activate SBI credit card?
There are 3 ways to activate your SBI credit card- SBI Card Net Banking, SBI Credit Card app or e-mail. To use the net banking facility, you must first be registered for the same. Once registered, login and navigate to the ‘Requests’ tab, then go to ‘Card Activation’.
Authorize the same by clicking on the ‘Activate’ button. A similar process will be followed for Mobile App. Alternatively, you can also write an e-mail, call customer support or chat with their chatbot ILA for card activation.
SBI Credit Card Offers 2023
Below listed are some of the ongoing SBI Credit Card offers across popular brands:
- 10% Instant discount on OYO Website & App
- Bonus 2,000 reward points on spends made at Max, Pantaloons & Reliance Trend Stores
- 5% Instant discount at V Mart
- Up to 10% Cashback on select HP laptops (valid on EMI transactions)
- EMI conversion options across MakeMyTrip, Yatra, VLCC, Amazon, etc
Please note that the above offers are subject to terms and conditions and may change over time.
SBI Credit Card Bill Payment
SBI Card allows several online and offline ways through which the cardholders can make their SBI credit card bill payment as listed below:
Offline Payment
You can either pay by visiting the nearest SBI ATM using your SBI debit card, drop your bill payment cheque in the dropbox or even pay over the counter at any SBI branch.
Online Payment
You can make your SBI credit card bill payment online using various payment gateways as listed below.
PayNet BillDesk– You can pay your bill on SBI BillDesk PayNet-Pay Online payment gateway. You can either choose to pay directly by entering the bank net banking details or use any of your debit cards from select banks.
UPI– SBI credit card bill payment can also be paid using any UPI QR code, Pay by VPA (Virtual Payment Address) facility or via BHIM SBI Pay.
Net Banking– You can pay your credit card bill by logging in to your net banking account on Online SBI portal. You can pay via NEFT or through any other bank’s net banking facility as well by selecting the option of SBI ‘Visa Credit Card Pay’.
SBI Apps– SBI YONO mobile app or website and SBI Card mobile app both can be used to make your SBI credit card payment.
NACH– National Automated Clearing House (NACH) is another mode which allows you to make auto bill payments by issuing monthly credit card bill payment cheques automatically. You just have to authorise the payment when asked.
MasterCard MoneySend– Any third-party payment app which supports MasterCard MoneySend payment mode also allows you to make SBI credit card bill payment online.
Electronic Bill Payment (EBP)- You can pay your SBI credit card dues using EBP service via net banking, mobile or ATM service of SBI bank, Citibank, Indian Overseas Bank or Bank of India.
I hope you have seen all the information that you have been looking for about how to apply and activate SBI Gift Card. For more inquiries, kindly make use of the comment section below this article.
