Which Are The Top SBI Credit Cards In 2022?

Find out more about the top SBI credit cards in 2022, their charges, and other features.

SBI Credit Cards 2022

Source : Bajaj Finserv

SBI (State Bank of India) is an Indian public sector banking and financial services regulatory institution. Personal banking, NRI banking, loans, government programs, and many more services and facilities are provided by the bank. Its wide range of products and services makes it the most trusted bank among Indians. 

Of all the products the bank has to offer, SBI credit cards have carved a niche for themselves in the market as they come in 50+ different options. Each card has its own set of features and benefits and is designed to cater to the needs and requirements of different sections of customers. 

If you are looking to apply for an SBI credit card, it makes sense to be aware of the best options available so that you receive more benefits.  

Top SBI Credit Cards in 2022

Here are the details about the top credit cards offered by the organisation which will assist you in choosing the best SBI credit card for you. 

SBI SimplySAVE Credit Card

This card is best suited for beginners. If you are applying for your first credit card, this card is the finest option.

Annual Fee	₹499+tax
Renewal Fee	₹499+tax

Following are a few benefits of this card. 

• If you spend ₹2,000 in the first 60 days, you will receive 2,000 reward points.
• For every ₹100 spent on dining, movies, department stores, and groceries, you will receive 10 reward points.
• On all other purchases, you will be able to earn 1 reward point for every ₹100 spent.
• Your renewal charge will be waived if you spend ₹1 Lakh in a year.
• Additionally, you may benefit from a 1% fuel fee rebate on purchases between ₹500 and ₹3,000.

BPCL SBI Credit Card

This credit card is considered ideal for rewards on fuel expenditures. The BPCL SBI card was developed in partnership with Bharat Petroleum. It helps you save a significant amount of money on your fuel expenses.

Annual Fee	₹499+tax
Renewal Fee	₹499+tax

Mentioned below are a few benefits of this card. 

• On payment of the membership fee, you will receive 2,000 activation bonus reward points worth ₹500.
• Reward points may be redeemed for fuel expenditures at BPCL stations or through the Shop n Smile rewards catalogue.
• If you purchase fuel at BPCL petrol pumps, you will receive a 4.25% value back in reward points.
• You may earn up to 1300 reward points at the end of every billing cycle.
• You will gain an advantage of a 3.25% + 1% fuel cost waiver on all transactions up to ₹4,000.

IRCTC SBI RuPay Card

If you regularly travel by the railways, you should apply for this card as it will help you save on travelling costs. The bank has launched this card in association with the Indian Railway Catering and Tourism Corporation.

Joining Fee	₹500+tax
Renewal Fee	₹300+tax

Here are the benefits of the IRCTC SBI RuPay card. 

• 350 activation reward points are awarded when you make your first purchase of at least ₹500.
• You receive 10% value back as reward points for booking tickets through the IRCTC website or app.
• 1% transaction fee on IRCTC reservations will be waived.
• You are entitled to have free access to a railway lounge every quarter. 
• You will get unique travel deals from IRCTC. 
• 1% of the fuel levy at all Indian gas stations is waived for purchases between ₹500 and ₹3,000.

SBI Card PRIME

If you often make purchases in a variety of areas such as dining, movies, and shopping, you should apply for a credit card with excellent benefits. The SBI Card PRIME offers you benefits on making such purchases.

Annual Fee	₹2,999+tax
Renewal Fee	₹2,999+tax

Below are a few benefits of SBI Card PRIME.

• A welcome e-gift card worth ₹3,000 will be given to you.
• For every ₹100 spent on eating, grocery, department stores, and movies, you will get 10 SBI reward points.
• On purchases of ₹50,000 or more throughout each calendar quarter, you may receive a Pizza Hut e-voucher worth ₹1,000.
• Additionally, if you spend more than ₹3 Lakhs annually, your credit card renewal costs will be eliminated.
• On making yearly spends of ₹5 Lakhs, you may even win e-gift cards worth ₹7,000 from renowned companies like Yatra and Pantaloons.

SBI Card ELITE

This is a premium card intended for customers who make a significant amount of purchases using their credit cards. You can get benefits in a variety of areas, including shopping, travel, movies, and more. 

Joining Fee	₹4,999+tax
Renewal Fee	₹4,999+tax

Here are a few benefits of this SBI credit card. 

• You will receive a welcome e-gift card worth ₹4,999.
• Every year, you will be eligible for free movie tickets worth ₹6,000.
• Each year, you'll receive 50,000 additional reward points worth ₹12,500.
• You will receive 10,000 additional reward points each on annual spending of ₹3 Lakhs and ₹4 Lakhs.
• Moreover, while using this card overseas, you can get the benefit of the lowest foreign currency markup charge of 1.99%.

Concluding Comments 

Some of the best SBI credit cards have been covered in this article, along with their advantages. Due to their numerous benefits and features like reward points, discounts, gifts, etc., credit cards have emerged as one of the most popular payment methods. Additionally, it enables customers to buy now and pay later. However, in order to obtain these benefits, you must apply for a credit card that meets your requirements. 

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