Here you will get a comprehensive guide to SBI credit cards queries, covering essential topics like eligibility criteria, types of cards, fees, benefits, and minimum income requirements. This article aims to clear common doubts and help readers choose the right SBI credit card for their lifestyle, spending habits, and financial goals.

Who is eligible for an SBI credit card?

Eligibility for an SBI credit card typically requires applicants to be 18–65 years old, employed or self-employed with a stable income, and possessing a good credit history. Indian residents or NRIs meeting these criteria may qualify. Specific cards may have additional requirements based on income and credit score.

Is SBI credit card free?

Most SBI credit cards come with an annual fee, though some entry-level cards may be free for the first year or offer lifetime-free options through special promotions. SBI also provides fee waivers for certain cards if users meet the required annual spending threshold.

What is the minimum salary to apply for a credit card in SBI?

The minimum salary to apply for an SBI credit card typically starts from ₹18,000 per month, though it varies depending on the specific card type. Higher-tier cards may have stricter income requirements. SBI also considers other factors like credit history and existing debts in the application process.

Which card is best in SBI?

The best SBI credit card depends on individual needs:

1. SBI Card PRIME – Great for rewards, travel, and lifestyle benefits.
2. SimplyCLICK SBI Card – Ideal for online shoppers with accelerated rewards on e-commerce.
3. SBI Elite – Premium card for travel and luxury.
4. BPCL SBI Card – Best for fuel savings.

Each offers unique perks, so the choice depends on spending habits.

Is a credit card good or bad?

An SBI credit card can be a good choice, offering a wide range of benefits like rewards, cashback, travel perks, and fuel discounts. However, its value depends on responsible use, timely payments, and avoiding high-interest debt. For users who manage finances well, SBI cards offer solid value; otherwise, fees and interest can be drawbacks.