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

To get a credit card from SBI, you should visit the SBI credit card website and select your preferred credit card. Before applying, check the basic requirements like age, income, credit score, etc. SBI Bank provides instant approval of your online application, and their executive will contact you for verification.

The minimum income requirement can vary depending on which credit card you are applying for.

Yes. SBI bank has free credit cards where you do not have to pay any annual fees, but it is not a lifetime free card. The SBI Unnati Credit Card, Krishak Unnati SBI Card and OLA Money SBI Card do not have any annual fees. However, you can waive your annual renewal fees by spending above the mentioned amount (for specific cards only).

The joining fee of an SBI credit card depends on which card you are applying for. Cards like OLA Money SBI Card, SBI Card Unnati, and Krishak Unnati SBI Card have no joining fees. But for other cards, you have to pay the joining fees as per the bank’s terms and conditions which can vary between Rs. 499 to Rs. 9,999.

To get your SBI credit card faster, you should apply online through the SBI card portal. After application, you will get an instant decision from the bank. Then, an executive will reach out to you for the final verification.

Your age should be between 21-70 years and you have a good credit score (above 700) to apply for an SBI credit card. SBI offers multiple options for credit cards and their eligibility criteria may vary based on your selection.

To apply online, visit the SBI credit card website and see the range of credit cards available. You will get detailed information about their charges, benefits, cashback offers, and rewards from this page. Next, click on the ‘Apply Now’ button to complete your credit card application. 

To check your eligibility, you can visit the official website of SBI cards. Click on the ‘Help me find a card’ option under the ‘Credit Cards’ tab. You will be redirected to the ‘Simplyfier’ page. Complete all the steps by selecting your spending habits, preferences, income, expenses, etc., and you will see which credit card you are eligible for.

You can apply for a new credit card after 3 months of the previous credit card application. If you are not able to do so, this is an exceptional case. To solve this issue, you can drop a mail at sbicard.com/email. Click on the ‘Email us’ button and register your complaint by filling out the form. The customer support team will reach out to you to offer a resolution.

For the online application, SBI serves only 23 locations in India. If you are not able to find your location, you have to contact the SBI Card helpline at 39 02 02 02 (include your STD code as a prefix) or visit the nearest SBI bank branch.

Visit sbicard.com and click on ‘Retrieve Application’ under the ‘Track your Application’ option. After entering your first name and mobile number click on the retrieve button. Submit the OTP, and you will be able to resume your credit card application from where you left it.

To change your selected card, visit sbicard.com and fill out the ‘Retrieve application’ form by entering your first name. Then, complete the OTP verification process. On the next page, you will get the ‘Change Card’ option. Click it and select the credit card you want to apply for.

Yes. You can apply even when you don’t have other credit cards. Just provide the correct details on the application form, and SBI will also check your credit score. After successful verification, they will give you the final decision on your application.

To track the application status of your SBI credit card, visit sbicard.com and check it using your application or reference number under ‘Track your application’. Additionally, you can contact the customer care team via call 39 02 02 02 to know your SBI credit card application status.

Login to your SBI card account, and if you are eligible, you will see the ‘Card Upgrade’ link at the left-hand side of the homepage. You may reach the customer care team to check if you have any pre-approved cards. 

To apply for a new card, select ‘Yes’ in the ‘Do you have an SBI Card’ section during the new application. After the submission, an executive will contact you to complete the next steps.

Once your online application is approved, an executive will reach out to you within 2 working days to share the document list. After that, an appointment will be scheduled to collect the required documents. After the submission, it can take a maximum of 21 working days to approve the application. You will get final approval after the document verification step.

This is possible because SBI bank has its variables to check your eligibility. Some common reasons for rejection are– low credit score, unstable income source, late payment history in your credit score, details mismatch in your application, low income, multiple credit cards, etc.

Visit the official website of SBI cards and log into your online credit card account using your user ID and password. Then, you will see the account summary on the next page. Here, you can see your credit card usage information.

Your credit card limit depends on your income and credit score. For example, if your CIBIL score is 750 or above and your monthly net income is Rs. 30,000, you will get a credit limit of up to Rs. 4,50,000.

Generally, there is no maximum balance limit in your SBI bank account. But for the SBI Savings Account for Minors and SBI Basic Small Savings Account, the upper limit is Rs. 10,00,000 and Rs. 50,000, respectively.

The minimum balance required depends on the type of your savings account. For a Zero Balance Saving Account, there is no minimum balance criteria. For other accounts, the minimum balance is Rs. 1,000/2,000/3,000 for branches located in rural areas, semi-urban areas, and metro areas (respectively).

SBI SimplyCLICK and SBI SimplySAVE are good credit cards for beginners. The annual fee is just Rs. 499 for these two cards. So, you can start your credit journey with lower fees and charges.

SBI credit card limit indicates the maximum amount you can spend from your card. To increase this limit, you have to reach the customer care by calling 1860 180 1290 or 39 02 02 02. Then, check your eligibility and submit the required documents. The required documents include Form 16, ITR, the last 2-month salary slip, and a 2-month bank statement.

To redeem your reward points against gift vouchers, you have to visit sbicard.com or use the SBI card mobile app. To redeem against cash, you have to visit sbicard.com/email or contact the customer care team of SBI cards. 

To close your SBI credit card, you have to start the procedure by contacting the customer care team by email or call. Your bank will process your request after clearing all the outstanding payments and EMIs on your card.