February 24, 2024

Are you trying to find out which SBI credit card is best? Here we have listed the top 5 SBI credit cards along with their key features and benefits. Skip and you lose!

Which SBI Credit Card is Best

Overview of SBI Credit Card

Most of us now consider having a credit card to be essential, and the reason for this isn’t because of our necessities but rather the numerous advantages, deals, and incentives they provide.

Over time, you not only save money on your regular purchases, but you also receive more prizes and discounts.

Using a credit card to purchase a movie ticket or a plane ticket can really help you save a significant amount of your hard-earned cash.

When it comes to credit cards, SBI is among the public sector banks in India that people trust the most. To meet the diverse demands of its clients, the bank offers a large selection of credit cards.

The top 5 SBI credit cards are presented here, along with a description of their characteristics and advantages:

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Here are the 5 Best SBI Credit Cards Available in India:

SimplySAVE SBI Card

With the SimplySAVE SBI Credit Card, you can now save more on all of your purchases.

With this card, you can enjoy limitless benefits like fuel surcharge waivers, spend-based fee reversals, bonus reward points, and more.

Key Features & Benefits:

  • Spending Rs. 2,000 or more over the first sixty days will earn you 2,000 bonus reward points.
  • Get 10 reward points for every Rs. 150 spent on groceries, department stores, dining out, and entertainment.
  • For every Rs. 150 spent in the other categories, earn 1 reward point.
  • 1 Rupee = 4 Reward Points.
  • At all gas stations in India, receive a 1% fuel fee waiver on transactions ranging from Rs. 500 to Rs.
  • 3,000. There is a maximum surcharge waiver of Rs. 100 each statement cycle.
  • Enjoy the benefit of having your renewal membership cost refunded starting in the second year of your subscription if you spent at least Rs. 1,000,000 in the year prior.
  • The reward points you’ve accrued can be redeemed for a variety of items or used to settle any outstanding balances on your card.
  • Secure transactions are guaranteed by the special security key feature of Visa payWave.
  • The card is accepted at more than 24 million locations worldwide.
  • You can obtain add-on cards for your parents, siblings, spouse, and/or children who are over the age of 18 with the SimplySAVE SBI Card.
  • With the card’s Easy Bill Pay feature, paying your utility payments is simple.


  • Entrance fee: 499 rupees.
  • Renewal cost: 499 rupees. If annual spending for the previous year was at least Rs. 1,00,000, this fee is waived.

Club Vistara SBI Card

Use your Club Vistara SBI Credit Card to enhance the value of your travels.

Numerous travel perks are available with this card, such as access to airport lounges, complete insurance coverage, additional CV points for reaching spending milestones, and an Economy class ticket that can be used as an E-Gift Voucher.

Key Features & Benefits:

  • 1 Economy class ticket, redeemable for an E-Gift Voucher upon payment of the yearly or renewal cost.
  • Earn three CV points for every rupee 200 spent on gasoline and all retail purchases.
  • After spending Rs. 50,000 within 90 days of the card’s issuance, earn 1000 extra CV points.
  • After meeting the spending criteria, bonus CV points are added to the Club Vistara Membership Account in less than 15 working days.
  • Receive one Economy class ticket for every Rs. 1.25 lakh, Rs. 2.5 lakh, or Rs. 5 lakh spent annually.
  • Receive a Rs. 5,000 hotel e-voucher from Yatra when you spend Rs. 5 lakhs annually.
  • Receive four complimentary visits to domestic airport lounges a year (up to one every quarter).
  • For the life of the card, get a free Priority Pass membership worth USD 99.
  • Because it is a contactless credit card, your transactions are safer.
  • In addition to 3,25,000 in India, the Club Vistara SBI Card is accepted at over 24 million locations worldwide.


  • Joining fee: 1,499 rupees plus relevant taxes.
  • Fee for renewal: Rs. 1,499 plus relevant taxes.


There are numerous advantages to this card for frequent travelers, particularly those who travel abroad.

Get free access to lounges as well as alluring deals and discounts on travel, lodging, movie tickets, and other items.

Key Features & Benefits:

  • From a variety of travel and lifestyle brands, including Yatra, Hush Puppies, Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop, get a welcome e-gift coupon worth Rs. 5,000.
  • Get complimentary cinema tickets worth up to Rs. 6,000 annually. The promotion is good for purchases of two tickets or more per booking, each month. For two tickets only, the maximum discount is Rs. 250 per ticket.
  • Get bonus reward points worth up to Rs. 12,500 every year, or up to 50,000 total.
  • Earn 10,000 extra reward points when you spend Rs. 3 lakh or Rs. 4 lakh annually.
  • Get five times as many reward points for dining out, supermarket shopping, and department stores.
  • Earn two reward points for every rupee 100 spent in the other categories—gasoline excluded.
  • 4 Reward Points = Rs. 1. 1% fuel fee waiver for purchases between Rs. 500 and Rs. 4,000 at all gas stations in India, up to a maximum of Rs. 250 per month, every statement cycle.
  • Receive a complimentary $99.00 subscription to the Priority Pass Program.
  • Receive six complimentary trips to airport lounges outside of India every year, with a maximum of two visits per quarter.
  • Gain access to more than a thousand airport lounges worldwide.
  • Receive two complimentary passes to domestic airport lounges per quarter.
  • Receive a free, benefit-filled Club Vistara Silver membership.
  • Receive important perks from a free Trident Privilege Red Tier membership.
  • When used abroad, the card has the lowest foreign currency markup charge—1.99%.
  • Earn two reward points for every rupee that is spent on overseas transactions.
  • Obtain premium concierge assistance.
  • With your credit card, you also receive a free fraud liability cover worth Rs. 1 lakh.
  • You have access to the Emergency Card Replacement facility from anywhere in the world to replace your SBI Card ELITE.
  • Special help with personalized holiday packages, movie and hotel reservations, and gift delivery.
  • With the card’s Easy Bill Pay feature, paying your utility payments is simple.
  • Make any purchase of at least Rs. 2,500 and use Flexipay to split the payment into EMIs.


  • Rs. 4,999 plus applicable taxes is the joining fee.
  • Fee for renewal: Rs. 4,999 plus any relevant taxes.


The health and wellness advantages of this SBI credit card will assist you on your path to fitness.

In addition to many other benefits, the card provides free access to airport lounges, FITPASS PRO and Netmeds First subscriptions, full insurance coverage, and much more.

  • Receive a Noise ColorFit Pulse 2 Max Smart Watch valued at Rs. 5,999 as a welcome gift upon payment of the membership fee.
  • Receive free Netmeds First and FITPASS PRO subscriptions each year when your card is renewed.
  • These memberships can only be obtained by paying the joining fee and completing a minimum of one retail purchase.
  • Get 10 reward points for every Rs. 100 spent on restaurants, movies, pharmacies, and chemists.
  • Spend Rs. 100 on any other category to earn two reward points.
  • 1 Rupee = 4 Reward Points.
  • Receive a Rs. 1,500 e-voucher upon reaching the yearly retail spend milestone of Rs. 4 Lakhs.
  • Renewal fees are waived for spending Rs. 2 lakhs annually.
  • Obtain Complete Insurance Protection
  • Free eight trips to domestic airport lounges (maximum of two every quarter).
  • Free two years of Priority Pass membership for cardholders, valued at US $99 in total.
  • 1% of every transaction between Rs. 500 and Rs. 4,000 is exempt from the fuel levy.
  • Maximum surcharge waiver allowed for each credit card account, up to Rs. 250 each statement cycle.


  • Joining fee: 1,499 rupees plus relevant taxes.
  • Fee for renewal: Rs. 1,499 plus relevant taxes. If the annual spending for the previous year was Rs. 2,00,000 or more, the renewal cost is refunded.


With features like 2,000 activation bonus reward points, 4.25% value back on petrol purchases, and a yearly savings of 70 liters of fuel, the BPCL SBI Credit Card makes your fuel money go further.

  • Get a Rs. 250 Amazon gift card when you apply online for the BPCL Card.
  • Upon payment of the registration cost, receive 2,000 activation bonus reward points (worth Rs. 500).
  • Receive 4.25% Valueback at BPCL gas pumps, or around 13X reward points, when you buy fuel.
  • 1300 reward points is the maximum benefit for each billing cycle.
  • Receive a 3.25% + 1% fuel fee waiver for every BPCL transaction up to Rs. 4,000 (excluding GST & other expenses) in India, with a maximum of Rs. 100 every billing cycle.
  • Earn 5X reward points for every Rs. 100 spent on groceries, department stores, movies, and dining out, up to a maximum of 5000 reward points every month.
  • Spend Rs. 100 on non-fuel retail purchases to earn 1 reward point.
  • Re 1 equals 4 Reward Points.
  • Reward points can be promptly redeemed at chosen 1200 BPCL shops against fuel purchases or through the Shop n Smile rewards catalogue.
  • Redeeming reward points does not require a minimum number of points.
  • Seventy liters of fuel are saved annually.


  • Joining fee: 499 rupees plus GST.
  • Fee for renewal: Rs. 499 + GST. If the annual spending for the previous year was Rs. 50,000 or more, the renewal cost is refunded.

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The Bottom Line

These, along with their main characteristics and advantages, were the top five credit cards that the State Bank of India had to offer.

We hope that you can now decide which credit card will work best for you based on these facts.

Also, the owner of an SBI account is eligible for a variety of SBI Debit Cards, each of which has unique advantages.

As we’ve already discussed, there are various ways in which clients can benefit from the best SBI credit card.

You can investigate various banks’ top credit cards in India, though, as they often provide better offers and lower interest rates.

Check out other unique articles on our blog for more detailed information and do well to share with your friends and family. Follow us on our Twitter and Facebook to stay updated with premium information.