SBI, one of India's largest and most reputable banks, offers a diverse range of credit cards to cater to various needs and lifestyles. In 2024, SBI presents excellent options for travel, cashback, and rewards. Here, we explore the features, advantages, and drawbacks of the four best SBI credit cards to help you make an informed choice.

SBI Simply Save Credit Card

Designed for individuals who frequently spend on everyday expenses, the SBI Simply Save Credit Card offers substantial rewards for groceries, dining, and entertainment.

Key Features:

Annual Fee: ₹499 (waived on spending ₹90,000 annually)

Rewards Rate: 10x reward points on dining, movies, groceries, and departmental store purchases; 1 point per ₹100 on other categories

Welcome Bonus: 2,000 bonus points upon spending ₹2,000 within the first 60 days

Reward Redemption: Points can be redeemed for shopping vouchers, travel bookings, and cashback

Benefits:

Accelerated rewards on popular spending categories

1% fuel surcharge waiver across all petrol pumps in India

Annual fee waiver on spending ₹90,000 in a year

Drawbacks:

Minimal travel perks

High foreign transaction fees

Apply for SBI Simply Save Credit Card

SBI Prime Credit Card

The SBI Prime Credit Card is ideal for individuals with varied spending patterns, offering comprehensive rewards and additional lifestyle and travel benefits.

Key Features:

Annual Fee: ₹2,999 (waived on spending ₹3,00,000 annually)

Rewards Rate: 10x reward points on dining, groceries, movies, and departmental store purchases; 2 points per ₹100 on all other spends

Welcome Bonus: E-gift voucher worth ₹3,000 from top brands

Reward Redemption: Points can be redeemed for travel, shopping vouchers, and statement credits

Benefits:

Milestone benefits with e-gift vouchers on annual spending

Complimentary visits to domestic and international airport lounges

Complimentary membership to Club Vistara and Trident Privilege

1% fuel surcharge waiver across all petrol pumps in India

Drawbacks:

High annual fee

Complex rewards structure

Apply for SBI Prime Credit Card

SBI IRCTC Credit Card

Perfect for frequent train travelers, the SBI IRCTC Credit Card offers significant savings on railway bookings through the IRCTC website.

Key Features:

Annual Fee: ₹500 (waived on spending ₹50,000 annually)

Rewards Rate: 10% value back as reward points on AC class bookings through IRCTC; 1 point per ₹125 on non-fuel retail purchases

Welcome Bonus: 350 bonus points upon spending ₹500 within the first 45 days

Reward Redemption: Points can be redeemed for railway bookings and other travel-related expenses

Benefits:

Up to 10% savings on AC class railway tickets booked through IRCTC

1% fuel surcharge waiver across all petrol pumps in India

Waiver on 1.8% transaction charges on railway ticket bookings through IRCTC

Drawbacks:

Limited non-travel rewards

High foreign transaction fees

Apply for SBI IRCTC Credit Card

SBI Cashback Credit Card

Ideal for users who prefer direct savings on their purchases, the SBI Cashback Credit Card offers straightforward cashback rewards.

Key Features:

Annual Fee: ₹999 (waived on spending ₹1,00,000 annually)

Cashback Rate: 5% cashback on online spends and 1% cashback on all other spends

Welcome Bonus: ₹500 cashback on spending ₹3,000 within the first 30 days

Cashback Redemption: Automatically credited to the cardholder’s account

Benefits:

Simple cashback structure

1% fuel surcharge waiver across all petrol pumps in India

Annual fee waiver on spending ₹1,00,000 in a year

Drawbacks:

No accelerated rewards on specific categories other than online spends

High foreign transaction fees

Apply for SBI Cashback Credit Card