RuPay is an Indian payment network offering domestic debit and credit cards. It works using the National Payments Corporation of India (NPCI) network with simplified and secured transactions. With a RuPay card, you get various benefits with affordable and easy-to-use payment solutions.
Like any other commercial bank, the State Bank of India (SBI) offers RuPay credit cards. Keep reading to learn everything regarding the SBI RuPay credit card in the subsequent sections.
RuPay credit cards have the following types that different banks and organisations use to gain various benefits:
Type of Credit Card | Description |
Classic RuPay Credit Card | Standard credit card with basic benefits. Suitable for everyday transactions and shopping. |
Platinum RuPay Credit Card | Improved credit limit and better privileges such as cashback, discounts, rewards and other offers on various categories. |
SBI Select RuPay Credit Card | Tailored for premium consumers. Access to airport lounges and concierge benefits. |
RuPay Contactless Credit Card | Allows secure and quick transactions using contactless technology. |
There are a range of SBI RuPay credit cards to choose from. These include the following:
Choose your preferred credit card from the above SBI RuPay credit card list based on your needs and expectations from the service.
The SBI RuPay credit card benefits and features have been stated below.
With the help of the IRCTC SBI RuPay credit card, you can gain 4 complimentary railway lounge access in a year where you can avail of a maximum of 1 lounge access in a quarter. You need to use your IRCTC SBI card at the respective lounges to avail of this offer.
The SBI RuPay credit card charges are as described below:
Credit Card | Joining Fee (one-time) | Renewal Fee (per annum) |
SimplySAVE SBI Credit Card | Rs. 499 | Rs. 499 (waived off for spends above Rs. 1 lakh) |
IRCTC RuPay SBI Credit Card | Rs. 500 | Rs. 300 |
Shaurya SBI Card | Rs. 250 | Rs. 250 |
Shaurya Select SBI Card | Waived off | Rs. 1,499 (waived off for spends above Rs. 1.5 lakh) |
Reliance SBI Card | Rs. 499 | Rs. 499 (waived off for spends above Rs. 1 lakh) |
Reliance SBI Card PRIME | Rs. 2,999 | Rs. 2,999 |
Yatra SBI Credit Card | Rs. 499 | Rs. 499 (waived off for spends above Rs. 1 lakh) |
The finance charges for all SBI RuPay credit cards are same. It is up to 3.50% monthly (42% p.a.).
The late fees for all SBI RuPay credit cards are as follows:
Outstanding Balance | Fees |
From Rs. 0 to Rs. 500 | NIL |
Between Rs. 500 and Rs. 1,000 | Rs. 400 |
Between Rs. 1,000 to Rs. 10,000 | Rs. 750 |
Between Rs. 10,000 to Rs. 25,000 | Rs. 950 |
Between Rs. 25,000 and Rs. 50,000 | Rs. 1,100 |
Above Rs. 50,000 | Rs. 1,300 |
You can now experience the benefits of UPI on SBI RuPay credit cards using the given steps:
Step 1: Log in to any UPI application.
Step 2: Go to ‘Settings’ and click on ‘Link/Add’.
Step 3: Choose your SBI credit card from the list.
Step 4: Set up your UPI PIN to start making payments on the UPI app using your credit card.
By using the UPI feature on your SBI card, you can gain various rewards on every spend using your credit card.
The basic eligibility criteria for SBI RuPay credit cards include the following:
The following documents are required for applying for a RuPay credit card of SBI:
You can apply and get a SBI RuPay Credit Card by following the below steps:
Step 1: Visit the SBI Credit Card website.
Step 2: Choose the credit card you want to apply for.
Step 3: Click on the ‘Apply Now’ button.
Step 4: Enter the required details, upload the documents and click ‘Submit’.
Step 5: You will get a call from the bank officials for verification.
Step 6: Once the verification is complete, the bank will issue the card.
You can activate your SBI RuPay credit cards using one of the following easy methods:
The process to activate the SBI RuPay credit card through SBI mobile banking or the SBI Credit Card website is very easy, which is provided below:
You can also choose to activate your SBI through the following means:
You can choose any of the methods from the following to pay your SBI credit card bills:
Step 1: Log in to your bank account through the SBI Credit Card website.
Step 2: Click on the ‘Pay Now’ option.
Step 3: On the next page, select the amount and choose the payment option to pay your RuPay credit card bill at SBI.
Step 4: Click on the ‘Pay Now’ button to complete your transaction.
You can easily set up an autopay feature from NACH (National Automated Clearing House) to transfer funds from your bank account to your SBI credit card account. After authorisation, your chosen account will be debited every time to save your late fee and other charges by issuing a cheque for every payment.
Alternatively, you can also opt for the SBI Auto Debit feature, which will also serve the same purpose from the bank’s end as the amount is deducted from your SBI account directly on the due date of payment.
Alternatively, you can also choose to pay your credit card bills using the SBI Yono mobile application. Log in to the Yono app, go to the ‘My Credit Cards’ sections to pay your credit card bills.
You can use any UPI application to pay your SBI RuPay credit card bills.
The working SBI customer care support number is 1860 180 1290, 1800 180 1290, 1860 500 1290 or 39 02 02 02 (Prefix local STD code). Note that the customer care executives are available from 8 AM to 8 PM from Monday to Saturday.
You can also write to the SBI customer care services manager at the following address:
Manager- Customer Care Services
SBI Cards & Payment Services Ltd.,
DLF Infinity Towers, Tower C, 12th Floor, Block 2, Building 3
DLF Cyber City,
Gurgaon -122002(Haryana) India.
Credit cards have become one of the essential services that let you easily carry out transactions without cash and gain unique rewards and benefits. Hence, through the above guidelines and information, you can choose from a range of SBI RuPay credit cards to meet your expenses and needs hassle-free.
With the help of UPI, you can easily scan and pay for your groceries, book tickets, recharge using your SBI credit card, and pay your bills instantly.
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