SBI Credit Card Apply - How to Apply for SBI Credit Card Online & Offline?

SBI credit card apply process is available both online and offline, allowing applicants to choose from lifestyle, rewards, travel, fuel, and shopping cards. Customers can complete the SBI credit card apply online process in minutes via the SBI Card website or YONO app, while offline applications are accepted at SBI branches with required KYC documents.

Key Highlights:

• From 1 September 2025, reward points will no longer accrue on spends made on digital gaming platforms/merchants and government-related transactions for Lifestyle Home Centre SBI Card, SELECT, and PRIME variants.
• SBI has revised the Card Protection Plan (CPP) with three variants and updated pricing.
• SBI Card has discontinued the complimentary air accident insurance coverage of Rs.1 crore on select ELITE and Signature cards (including UCO Bank SBI Card ELITE, Central Bank of India SBI Card ELITE, PSB SBI Card ELITE, KVB SBI Card ELITE, KVB SBI Signature Card, and Allahabad Bank SBI Card ELITE).

SBI Credit Card Apply Process

You can apply for an SBI credit card both online and offline. You can apply for it by visiting the SBI card website or the nearest bank branch. The steps to apply for an SBI credit card online and offline are discussed in detail below.

Online Apply

The process to apply online for an SBI credit card is very simple, fast, and transparent. Here are the steps:

Step 1: Visit the official SBI card website.

Step 2: You will find a wide range of credit cards along with their benefits, charges, reward points, eligibility, etc. Check the details and select your card. 

Step 3: Click on ‘Apply Now’ and complete your application in only 3 steps - personal details, professional details, and KYC details.

Step 4: Enter your personal details, professional details and upload KYC documents.

Step 5: Once you enter all the details, it will show you an instant decision on your credit card application. 

Step 6: If your profile matches all the required criteria, you will get a call from the bank, and an executive will verify your details before issuing and dispatching your card.

Once your card is dispatched, it will reach your selected address within 7 working days.

Offline Apply

You can visit the nearest branch to apply for SBI credit cards offline. If you have an account with them, you may get your credit card faster. Consult with any bank representative to select the best credit card for you. Take the credit card application form from the bank and fill it out. Then, submit it with the required documents. You should be very careful while filling up the form to get your credit card with ease.

SBI Bank Credit Card Eligibility Criteria

The eligibility criteria for SBI Bank credit cards vary depending on the applicant's profile. However, there are some basic eligibility criteria to apply for SBI credit card:

• The applicant's age group should be between 21 years to 65 years.
• He/she must have a stable income source.
• The applicant should be an Indian resident.

There are some other criteria also, which depend on the income profile of the applicant. SBI allows both students and salaried individuals to apply for a new credit card. The eligibility criteria for students are:

• You must be an Indian resident aged above 18 years.
• You should have your PAN card, college admission proof, KYC documents, etc.
• You should have an FD account of Rs. 25,000 or more.

The eligibility of salaried employees is as follows:

• Age must be between 18 years to 65 years.
• Your minimum CIBIL score must be at least 750 or more.
• You should have a stable source of income with a minimum annual income of Rs. 2 lakh.

There may be some other eligibility criteria that depend on which SBI credit card you are applying for. 

SBI Bank Credit Card Apply Documents Required

To apply for an SBI credit card, you need the following documents which must be submitted to make an application:

• PAN card
• Aadhaar card or any other valid address proof
• Other documents like– Income tax returns, salary slips, etc
• Passport size photograph

The bank may ask for some other documents depending on the particular debit card and your income profile.

Track SBI Credit Card Application Status

SBI has a separate page for credit card application tracking. To track the application status of your credit card, follow these steps:

Step 1: Visit the SBI track credit card page.

Step 2: Enter your reference/application number and click on the ‘Track’ button. 

If you have entered the correct details, the details will be shown on the next screen. 

If you don’t know the application number you can retrieve that from the same page by following the below steps:

Step 1: Select the ‘Retrieve Application’ option. 

Step 2: Enter the details (First Name and Mobile Number)

Step 3: Click the ‘Retrieve’ button. 

Step 4: Enter the OTP, and you will get back your credit card application number. 

Fees and Charges of SBI Bank Credit Cards

Fees and charges are the most important things that you should check before you apply for a new SBI credit card. SBI bank charges both annual fees and renewal fees on their credit cards. The charges depend on the card’s benefits. You have to pay higher charges for a credit card with more benefits and offers. Here are the chargers of various SBI bank credit cards:

SBI Card Protection Plan (Effective September 16, 2025)

Note: Existing CPP customers will be automatically migrated to the revised plans starting September 16, 2025, aligned with their renewal due dates. Members will receive SMS/email alerts at least 24 hours before migration.

SBI bank has more than 30+ types of credit cards. The fees and charges are different for every card. You can get a waiver on renewal charges with transactions above a certain amount (per year) for certain cards. The amount depends on the card type. To get up-to-date information about the fees and charges of all the SBI credit cards, visit here.

SBI Credit Card Benefits and Features

Here are some features and benefits of SBI bank credit cards:

• Contactless Payments: SBI credit cards can be used for contactless payments using the tap-and-pay feature, and you can tap your phone for instant payment with your card.
• Insurance: You can avail of insurance with your credit card to tackle your accidents, card loss, health issues, card theft, and more.
• Lower Interest Rate: SBI offers lower interest rates on EMI, and you can avail of a balance transfer facility.
• Other Benefits: You can apply for an add-on card against your primary credit card. You can upgrade your credit card to avail more benefits and higher rewards.

These are some basic benefits of SBI credit cards. Every card has its own benefits and reward options. To know about them in detail, you must check the terms and conditions under the card.

Why is my Credit Card Application Rejected?

There can be various reasons why the bank can reject your credit card application. Here are some causes behind a credit card application rejection:

• Credit score below the bank’s criteria
• No or limited credit history
• Lower monthly income than required
• Wrong or misleading details in the application form
• Unstable job profile
• Too many credit card applications

You should focus on the above points and match all the terms and conditions before proceeding with a new SBI credit card application. 

The SBI credit card apply process is designed to be quick and convenient, with options to apply online through the SBI Card website or YONO app, or offline at any SBI branch. With the right card choice and documents, you can quickly unlock rewards, cashback, and exclusive benefits.

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