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

SBI RuPay credit card is a secure and affordable credit option on the RuPay network. Customers can apply for an SBI RuPay credit card online and choose from variants such as SimplySAVE, IRCTC, Yatra, Shaurya, and Reliance cards. 

Key Highlights:

• Wide Range of Cards: Tailored for shopping, travel, fuel, defence personnel, and corporate users.
• Reward Programs: Earn accelerated reward points on categories like dining, groceries, travel bookings, and Reliance spends.
• Complimentary Privileges: Access to domestic lounges, insurance covers, concierge services, and milestone vouchers depending on the card type.

Types of SBI RuPay

The different types of SBI Rupay along with the joining fee, renewal fee and key benefits are given below: 

Finance charges vary as it depends on the card variant and customer profile.

SBI Rupay Credit Card Late Payment Fee 

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.

SBI RuPay Credit Card Eligibility 

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)

SBI RuPay Credit Card Documents Required

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 complete the SBI RuPay Credit Card application process by following the steps below:

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’.

 The applicants will get a call from the bank officials for verification. 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:

I. SBI Credit Card Website

The process to activate the SBI RuPay credit card through SBI mobile banking or the SBI Credit Card website is provided below:

Step 1: Log in to your SBI Card account on the SBI Card website or mobile app.

Step 2: Go to the ‘Requests’ menu and select ‘Card Activation’.

Step 3: Choose your credit card from the drop-down list.

Step 4: Click ‘Activate’ to activate your SBI credit card instantly.

II. Chatbot

To activate SBI through the following means, follow the steps below:

Step 1: Open the SBI Card ILA Chatbot and ask, “How can I activate my SBI Credit Card?”

Step 2: Log in using your User ID and password.

Step 3: Follow the on-screen instructions to activate your credit card.

Other Ways to Activate

• Write to SBI Card through the official support portal.
• Call SBI Card Customer Care at 1860 180 1290, 1860 500 1290, or 3902 0202 (prefix your 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:

I. Online/Mobile Banking at SBI

The steps to follow pay via 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.

II. Auto Debit Facilities

Users 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, the chosen account will be debited every time to save the late fee and other charges by issuing a cheque for every payment.

Alternatively, users 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.

III. 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.

IV. Using UPI

Use any UPI application to pay your SBI RuPay credit card bills.

SBI RuPay Credit Card Customer Care

The table below shows customer care details of SBI RuPay Credit Bank:

Final Word

The SBI RuPay credit card combines SBI’s extensive banking reach with RuPay’s secure, domestic payment network. It also rewards on groceries, discounts on travel, fuel surcharge waivers, or complimentary lounge access. SBI RuPay credit cards provide a convenient way to manage expenses while enjoying exclusive lifestyle and financial benefits.

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