October 3, 2023 · 6 mins readBest SBI Credit Cards for 2023 : Key Features & BenefitsShireesha Katta


If you're in search of a credit card that perfectly matches your spending patterns and brings a plethora of advantages, look no further than the State Bank of India (SBI) credit cards in 2023.

What makes SBI Credit Cards interesting?

SBI Credit Cards come with a range of exciting features and benefits that make them stand out. From rewards and discounts to special privileges, these cards offer a world of opportunities to enhance your financial experiences.

Whether you're a frequent traveller, an online shopper, or someone who enjoys special perks, SBI Credit Cards have something to make your financial journey more thrilling. You can earn money by selling SBI credit cards through the ZET app and enjoy the benefits.

In this article, we'll explore the best SBI credit cards for 2023, highlighting their key features and the amazing advantages they offer.

Types of SBI Credit Cards:

1. SBI SimplyCLICK Credit Card:

SBI SimplyCLICK Credit Card is perfect for the digital-savvy individuals who love to shop online and explore the virtual world.

Here are the main features and benefits:

  • Welcome Bonus: Start your card journey with a welcome e-gift voucher that you can use to shop for various brands.
  • Online Shopping Rewards: You can earn accelerated reward points on online purchases across various categories such as e-commerce, food delivery, travel bookings and more.
  • Milestone Benefits: Enjoy milestone rewards in the form of bonus points when you cross specific spending thresholds.
  • Fuel Surcharge Waiver: Avail fuel surcharge waiver at partner petrol stations, ensuring savings every time you refuel.
  • Easy Bill Payment: Set up standing instructions to pay utility bills, making the card a practical addition to your financial routine.

2. SBI SimplySAVE Credit Card:

If you're looking for a credit card that's easy to use and helps you save money, the SBI SimplySAVE Credit Card is a great choice. It's simple to earn rewards and get benefits with this card.

Here are the main features and benefits:

  • Welcome Offer: Begin your card journey with a welcome e-gift voucher to start a rewarding partnership.
  • Reward Structure: Earn reward points on your everyday purchases including groceries, dining, movies, and more, making it easy to accumulate points.
  • Fuel Benefits: Enjoy fuel surcharge waivers at partner petrol stations, ensuring savings on every refuelling stop.
  • Annual Fee Reversal: Get your annual fee reversal upon achieving an annual spending of ₹1,00,000 or more in the preceding year.
  • Easy Redemption: Redeem your accumulated reward points for a variety of options, from gift vouchers to merchandise.

3. SBI BPCL Credit Card:

If you're someone who loves driving and travelling a lot, the SBI BPCL Credit Card is perfect for you. It comes with lots of perks that are all about saving on fuel and making your trips more enjoyable.

Here are the main features and benefits:

  • Welcome Benefit: Kick-start your card usage with a welcome e-gift voucher, marking the beginning of your journey with privileges.
  • Fuel Rewards: Earn accelerated reward points on fuel spends at BPCL petrol stations, translating into significant savings on your fuel bills.
  • Easy Redemption: Redeem your accumulated points for fuel vouchers, effectively reducing your fuel expenses.
  • Value-Added Services: Enjoy add-on benefits like access to airport lounges and discounts on dining and shopping.
  • Fuel Surcharge Waiver: Benefit from fuel surcharge waivers on transactions made at partner petrol stations.

4. SBI Pulse Credit Card:

If you care about your health and love to stay fit, SBI Pulse Credit Card is made for you. This card offers amazing rewards and perks that fit your healthy and active lifestyle.

Here are the main features and benefits:

  • Welcome E-Gift Voucher: Begin your journey with a welcome e-gift voucher, setting the stage for a rewarding credit card experience.
  • Health and Wellness Rewards: Earn accelerated reward points on health-related spending categories like gym memberships, wellness services, and more.
  • Online Shopping Rewards: Get reward points on online shopping across various categories, adding value to your digital purchases.
  • Milestone Benefits: Enjoy milestone rewards when you cross specified spending thresholds, adding an extra layer of excitement.
  • Fuel Surcharge Waiver: Avail fuel surcharge waiver at partner petrol stations, ensuring savings on your fuel expenses.

Fees and Charges:

The fees and charges for SBI Credit Cards vary based on the specific card and its benefits. Generally, these may include an annual fee, joining fee, interest charges on outstanding balances, cash withdrawal fees, late payment fees, and foreign currency transaction charges.

It's important to review the terms and conditions of each card to understand the exact fees associated with it before making a decision.

SBI Credit Cards Eligibility:

To get an SBI Credit Card, you need to meet the following criterias:

  • Age: Your age should be between 21 and 60 years
  • Criteria: You should be new to SBI Bank Credit Card
  • Nationality: You should be a resident of India, with a valid address and identity proof.
  • Income Range: You should have a minimum income of ₹25,000 per month. You can be a salaried employee, self-employed or run your own business.
  • Credit Score: You'll need to have a good credit score

Documents Required:

Before starting the application process please ensure that you have the following documents with you:

PAN card photocopy, colour photograph, proof of income (latest payslip/Bank statement/Form 16/IT return copy), residence proof (Passport/Driving License/Voter ID Card/Aadhaar card), and identity proof (Passport/Driving licence/Voter ID Card/Aadhaar card/PAN card).

How do I apply for SBI Credit Cards:

Applying for an SBI Credit Card is simple and can be done in a few easy steps.

Step 1: Download the ZET app

Step 2: Sign up and add yourself as a customer

Step 3: Go to the product list page and select any SBI credit card you wish to apply for

Step 4: Fill in all the details and upload the required documents

Step 5: Submit the application and wait for the approval process to be completed

Here is an excellent opportunity for you to earn some extra cash! Imagine selling it to your friends using the ZET app and getting those payouts rolling in. How awesome is that? Time to turn your network into a money-making adventure!

Frequently Asked Questions

1. How do I apply for SBI Credit Card? Applying for an SBI credit card is easy! You can do it through the ZET App. The application process is simple, straightforward and hassle-free.

2. Can I use my SBI credit card internationally? Absolutely! SBI credit cards are accepted almost everywhere across the world.

3. Is there a late payment fee for SBI credit cards? Yes, if you don't pay your credit card bill on time, you may be subject to a late payment fee. It's important to make payments by the due date to avoid these charges.

Remember, each SBI credit card comes with its own set of features and terms, so it's a good idea to thoroughly read the card details and FAQs before applying. If you have any specific questions, don't hesitate to reach out to SBI's customer support for assistance.

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