Best SBI Credit Cards In India 2017

Apart from value investing ideas, going forward I would be focusing on personal finance as well. This is because I am getting mails on money management and income saving clarifications. Let me start with an article on how to save money by using credit cards wisely. Being an SBI customer, I would like to start my review process by focusing on the best 4 credit cards from SBI. This article is meant to suggest you the best credit cards from SBI-State Bank of India which is the biggest bank of India.

Listed below are the best SBI credit cards of 2017

1. SBI Simply Click Credit Card
2. SBI SimplySave
3. SBI Platinum
Credit Card

4. SBI Elite Signature Credit Card

1. SBI Simply Click Credit Card

SBI Simply Click Credit Card is one of the best credit cards available for online shoppers. This card comes with many offers including annual fee reversal. Below are the benefits you get if you own SBI Simply Click Credit Card.

Log-in Gift
As part of the product feature, a SimplyCLICK Cardholder will become eligible for a one time welcome gift of Amazon gift voucher worth Rs.500 after paying the annual membership fee of Rs.499/- for the eligible year.

Reward Points
1. Earn 10X rewards on online spends with exclusive partners -Amazon,BookMyShow, Cleartrip, Foodpanda, Lenskart, OLA, Zoomcar.
2. Earn 5X rewards on all other online spends
3. Earn 1 reward point per Rs.100 on all other spends

Milestone Rewards

1. E-voucher worth Rs.2,000 on annual online spends of Rs.1 Lakh
2. E-voucher worth Rs.2,000 on annual online spends of Rs.2 Lakh
This means if you spend 2 lakh in an year, you would be getting Rs.4000 worth e-voucher which looks so cool.

Enjoy Fuel Freedom
1% fuel surcharge waiver for each transaction between Rs 500 & Rs 3000 (exclusive of GST, wherever applicable, & all other charges)

Annual Fee Reversal
Spend Rs 1 lakh and get annual fee of Rs 499 reversed for your SimplyCLICK SBI card in the subsequent year.

BookMyShow Offer
Rs.100 instant cashback on first movie ticket booked on BookMyShow Mobile App for first time BookMyShow users.

If you have a gross annual income greater than Rs.300,000 and a frequent online shopper, I would suggest you to go ahead with this card. 

Here is the link for SBI Simply Click Credit Card Application

2. SimplySAVE SBI Card

This card is best suited for people who do direct shopping in departmental stores and grocery shops. Listed below are the benefits of  SimplySAVE SBI Card. 

Extravaganza Offer
Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points

10x Reward Points
1. Enjoy 10 Reward Points per Rs 100 spent on dining, movies, departmental stores and grocery spends
2. On all your other spends, earn 1 reward point per Rs 100 spent (4 reward points = Rs.1)

Fuel Freedom
If you transact an amount between Rs.500 to Rs.3,000 at any petrol pump in India, you will get freedom from paying the 1% fuel surcharge at any petrol pump.

Spend Based Reversal
Get annual membership fee reversal (Rs.499) from second year of your subscription. To avail fee reversal, you need have spent Rs.90,000 or more on your SimplySAVE SBI Card in the previous year.

If you have a gross annual income is between Rs.200,000 and Rs.300,000, I would suggest you to go ahead with this card. 

Here is the link for SBI Simply Save Credit Card Application

3. SBI Platinum Prime Card

SBI platinum card is now known as prime card. The eligibility criteria for this card is gross annual income greater than Rs.480,000. The annual and renewal fee for this card is Rs.2999. Listed below are the benefits of  SBI Prime Credit Card. 

Welcome Gift
Welcome e-gift Voucher worth Rs. 3,000 from any of the following brands: Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com

PRIME Rewards
1.Get 20 Reward Points per Rs. 100 spent on standing instructions of Utility Bills payments
2. Get 15 Reward Points per Rs. 100 spent on BigBasket, Reliance Fresh, Reliance Smart, 3. Reliance Footprint, Reliance Trends and Sahakari Bhandar stores
4. Get 10 Reward Points per Rs.100 spent on Dining, Groceries, Departmental stores and Movies

Milestone Benefits
1. Get Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter
2. Waiver of Renewal Fee on annual spends of Rs.3 Lakhs
3. E-Gift Voucher worth Rs. 7,000 from Yatra.com or Pantaloons on achieving annual spends of Rs. 5 Lakhs

Trident Privilege Membership
1. Enjoy complimentary Trident Privilege Red Tier Membership  
2. Get exclusive 1,000 Welcome Points on registration
3. Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay

Birthday Benefit
Enjoy 20 Reward Points per Rs.100 spent on your birthday

Mastercard/Visa Privileges
1. 4 complimentary rounds on Green Fees
2. Up to 50% Discount on golf games at selected golf courses across India
3. Exclusive benefits across 900 luxury hotels worldwide

SBI Platinum Card is a complete package with many benefits as listed above. This card is best suited for people with gross income between Rs.5 lakhs to Rs.9 lakhs.

Here is the link for SBI Platinum Prime Card Application

 4. SBI Elite Signature Credit Card

If you have gross annual income greater than Rs 900,000 SBI Elite card is the best option available. Below given are the benefits of this card.

Welcome Gift
The annual fee for this card is Rs.4999. But this is completely waived off by providing a welcome e- Gift voucher worth Rs. 5,000. You can choose from an array of travel and lifestyle brands : Yatra, Hush Puppies/Bata, Marks & Spencer, Pantaloons and Shoppers Stop for spending the voucher

Complimentary Movie Tickets
Free Movie Tickets worth Rs. 6,000 every year
Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable

Milestone Privileges
15,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs. Spend Based Reversal of Annual Fee of Rs 4999 on spends of Rs. 10 Lakhs

ELITE Rewards
1. 5X Reward Points on Dining, Departmental stores and Grocery Spends
2. 2 Reward Points per Rs. 100 on all other spends
3. Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
4. 1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable). Maximum Surcharge Waiver of Rs. 250 per month per credit account

International & Domestic Lounge Program
6 complimentary Airport Lounge visits per year, outside India
2 complimentary Domestic Airport Lounge visits every quarter in India

Trident Privilege Membership
SBI Card ELITE provides complimentary Trident Privilege Red Tier membership along with exclusive 1,000 Welcome Points on registration. This card also provides 1500 Bonus Points on your first stay & additional ₹ 1000 hotel credit on extended night stay

Lowest Forex Markup
SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage. You are also entitled to 2 Reward Points on every Rs.100 spent on International transactions.

This card is best suited for people with gross income above Rs.9 lakhs. If you are a movie lover and frequent air traveler, no other card can beat this.
Here is the link for SBI Elite Signature Card Application


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