SBI RuPay Credit Card - Types, Charges, Features and Benefits

RuPay is an Indian payment network developed by the National Payments Corporation of India (NPCI), offering domestic debit and credit cards. It enables secure and simplified transactions, providing users with affordable and convenient payment solutions.

The State Bank of India (SBI), like other leading banks, offers RuPay credit cards with several benefits. Continue reading to discover all the essential details about the SBI RuPay credit card.

Types of SBI RuPay Credit Cards

RuPay credit cards have the following types that different banks and organisations use to gain various benefits:

SBI RuPay Credit Card List

There are a range of SBI RuPay credit cards to choose from. These include the following:

• SimplySAVE SBI Card
• Shaurya SBI Card
• Shaurya Select SBI Card
• IRCTC SBI Card
• Reliance SBI Card
• Reliance SBI Card PRIME
• Yatra SBI Credit Card

Choose your preferred credit card from the above SBI RuPay credit card list based on your needs and expectations from the service.

Benefits of SBI RuPay Credit Card

The SBI RuPay credit card benefits and features have been stated below.

SimplySAVE SBI RuPay Credit Card

• Welcome benefit of 2,000 reward points on spending Rs. 2,000 or more within the first 60 days of issuing the credit card
• Fuel Benefits of 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
• Lifestyle benefits:
  • 10 reward points for every Rs. 150 spent on the movies, groceries, as well as dining and store spends
  • 1 reward point for every Rs. 150 spent on all other spends
• Renewal waiver on spending over Rs. 1,00,000 in the previous year 
• Flexipay benefit on the purchases of over Rs. 2,250 to be converted into EMIs
• Add-on facility for family members over the age of 18 years 

IRCTC SBI RuPay credit card

• Welcome Benefits of 350 reward points on the first transaction of Rs. 500 or more within 45 days of card issuance
• Fuel surcharge benefits of 1% waivers and a maximum of Rs. 100 per statement cycle
• Travel benefits with a 1% transaction surcharge waiver on IRCTC bookings
• Up to 10% value back as reward points on booking AC tickets from the IRCTC Mobile App
• 4 complimentary railway lounge access per year, where you can visit once every quarter

Yatra SBI Card

• Welcome Benefits of worth Rs. 8,250 upon joining 
• 6 reward points per Rs. 100 spent on groceries, departmental stores, dining, entertainment, movies as well as international spends up to a limit of 5000 reward points per month
• Rs. 1,000 discount on domestic flight booking of a minimum value of Rs. 5,000
• 1% of fuel surcharge waiver
• Rs. 4,000 discount on domestic flight booking of a minimum value of Rs. 40,000
• Flat 20% off (up to Rs. 2,000 off) on domestic hotel booking of a minimum value of Rs. 3,000
• Anniversary benefits - On annual spends of Rs. 1,00,000 in the previous year, get your annual membership fee reversal benefit

Shaurya SBI Card

• Welcome bonus of 1,000 reward points
• 5x reward points on movies, stores, dining and grocery spends
• For every Rs. 100 spent on other expenses, gain 1x reward points
• Fuel Benefits of 1% fuel surcharge waiver on fuel spends between Rs. 500 to Rs. 3,000
• Complimentary Personal Accident Insurance worth Rs. 2 lakh 

Shaurya Select SBI Card 

• 10 reward points for spending Rs. 100 on groceries, dining, movies, and more
• 2 reward points for spending Rs. 100 on other spends
• 24x7 concierge services available 
• 1,500 reward points on paying renewal fee
• Purchases above Rs. 2,500 can be converted to easy EMIs with Shaurya Select credit card
• Annual Fee waiver on online spends over Rs. 1.5 lakh
• Personal accident insurance cover of Rs.10 lakh.
• Voucher Benefits:
  • e-Voucher from Pizza Hut worth Rs. 500 on an annual spend of over Rs. 50,000
  • Gift vouchers from Yatra or Pantaloons worth Rs. 7,000 on spending over Rs. 5 lakh in a year

Reliance SBI Card

• Welcome benefits:
  • Reliance retail voucher worth Rs. 500 on joining
  • Gain additional vouchers worth Rs. 3,200 from different Reliance Retail Stores
  • Delivery of vouchers within 45 days
• Milestone benefits:
  • Renewal fee waiver on annual spending of Rs. 1 lakh in the last year
  • 1 Reward Point = Rs. 0.25
• Gain a Reliance retail voucher for annual spends at participating Reliance retail stores of:
  • Rs. 500 on spending over Rs. 25,000 in a given year
  • Rs. 750 on annual spending of Rs. 50,000
  • Rs. 1,000 on annual spending of Rs. 80,000
• 5 Reward points for every Rs. 100 spent at Reliance Retail stores and dining and movies
• Earn 1 reward point for every Rs. 100 spent on other retail purchases expect on fuel, rent and wallet
• Fuel surcharge waiver:
  • Maximum fuel surcharge waiver of Rs. 100 per statement cycle 
  • A 1% surcharge waiver at all Indian petrol pumps for transactions between Rs. 500 and Rs. 4,000 (excl of all GST and other taxes)
• Other benefits:
  • Redeeming your reward points for Reliance retail vouchers
  • Special transaction offers at the Reliance stores

Reliance SBI Card PRIME

• Reliance Retail voucher worth Rs. 3,000 on joining with additional vouchers to use at participating Reliance Retail stores
• 10 reward points per Rs. 100 you spend in a Reliance Retail store
• One movie ticket worth Rs. 250 for BookMyShow each month
• Milestone benefits:
  • Renewal fee waiver on annual spending of Rs. 3 lakh in the last year
  • Gain a Reliance Retail voucher for annual spends at participating Reliance Retail stores of:
    • Rs. 1,500 on spending over Rs. 75,000 in a given year
    • Rs. 2,250 on annual spending of Rs. 1,50,000
    • Rs. 5,000 on annual spending of Rs. 3,00,000
• Fuel surcharge waiver:
  • Maximum fuel surcharge waiver of Rs. 100 per statement cycle 
  • A 1% surcharge waiver at all Indian petrol pumps for transactions between Rs. 500 and Rs. 4,000 (excl taxes)
• Other benefits:
  • Flexipay for converting transactions worth Rs. 2,500 or more into Flexipay within 30 days to convert the credit card bills to EMIs
  • Contactless benefits

SBI RuPay Credit Card Lounge Access

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.

SBI RuPay Credit Card Charges

The SBI RuPay credit card charges are as described below:

The finance charges for all SBI RuPay credit cards are same. It is up to 3.50% monthly (42% p.a.).

Late Payment Fee on SBI Rupay Credit Card

The late fees for all SBI RuPay credit cards are as follows:

Link SBI RuPay Credit Card with UPI

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.

Eligibility and Application

The basic eligibility criteria for SBI RuPay credit cards include the following:

• Employment Status: Salaried or self-employed with a steady source of income 
• Nationality: Indian citizen or an NRI (Non-Resident Indian)
• Age: At least 21 years of age. For add-on cards, the age must be at least 18 years
• Credit Score: A good CIBIL Score is recommended (above 750)

Documents for SBI RuPay Credit Card

The following documents are required for applying for a RuPay credit card of SBI:

• Proof of identity
• PAN card
• Address proof
• Passport-sized photograph
• Proof of income
• Bank statements

How to Apply for SBI RuPay Credit Card?

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.

How to Activate your SBI RuPay Credit 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:

• Log in to your SBI card account on your SBI credit card website or mobile banking application.
• Choose the ‘Card Activation’ button on the ‘Requests’ menu on your left side.
• Choose your card from the drop-down list. 
• Click on the ‘Activate’ button to activate your card instantly.

You can also choose to activate your SBI through the following means:

• Ask the Chatbot ILA ‘How can I activate my SBI Credit Card?’ and login using your user ID and password to get your card activated.
• Write to the SBI bank by clicking here. 
• You can also call the following customer care numbers to activate your credit card - 18601801290, 18605001290 or 39020202 (prefix local STD code).

SBI RuPay Credit Card Bill Payments

You can choose any of the methods from the following to pay your SBI credit card bills:

Online/Mobile Banking at SBI

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.

Auto Debit Facilities

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.

Using the SBI Yono App

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.

Using UPI

You can use any UPI application to pay your SBI RuPay credit card bills.

SBI RuPay Credit Card Customer Care

Contact Number

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.

Address

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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