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. The wide SBI RuPay credit card benefits include lounge access, EMI conversion, milestone rewards, and insurance coverage.

Key Highlights:

• Wide Range of Cards: SBI offers RuPay credit cards tailored for shopping, travel, fuel, defence personnel, and corporate users.
• Digital Advantage: Cards can be linked to UPI for instant QR and online payments without physical swipes.
• 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.
• Flexible Payments: Apply online, convert spends into EMIs, and pay bills through net banking, UPI, YONO app, or auto-debit.

SBI RuPay Credit Card Overview

SBI RuPay Credit Cards Types

SBI RuPay credit cards have the following types, each designed to provide unique benefits to customers:

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.).

SBI Rupay Credit Card Late Payment Fee 

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

SBI RuPay Credit Card Benefits

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

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.

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 apply online process 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

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.

The SBI RuPay credit card combines SBI’s extensive banking reach with RuPay’s secure, domestic payment network. Whether you need rewards on groceries, discounts on travel, fuel surcharge waivers, or complimentary lounge access, there is a card variant to match your spending habits. SBI RuPay credit cards provide a convenient way to manage expenses while enjoying exclusive lifestyle and financial benefits.

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