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SBI Credit Card

Issued by SBI Cards & Payment Services Limited

SBI Card, issued by SBI Cards & Payment Services Limited, offers credit cards across Premium, Lifestyle, Rewards, Cashback, Travel & Fuel, Shopping and Banking Partnership categories. Fees and benefits depend on the variant, so the right card depends on your spending pattern.

Joining fee

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Annual fee

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Fee waiver

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Finance charge

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As of 9 Nov 2026, from the issuer's official website. Final terms depend on your profile.

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Key benefits

  • Card categories include Premium, Lifestyle, Rewards, Cashback, Travel & Fuel, Shopping and Banking Partnership cards
  • Interest-free credit period could range from 20 to 50 days (as per MITC)
  • Finance charges are up to 3.75% per month (45% p.a.) on unsecured cards as per MITC; secured cards are listed at 2.75% per month (33% p.a.)
  • Flexipay EMI and balance transfer options available
  • Joining and annual fees vary by variant — check the specific card's fee schedule

Best for

Choosing from a broad card range

Pros

  • Wide range of card categories including co-branded and banking partnership cards
  • Secured card option listed at a lower finance charge than unsecured cards

Cons

  • Finance charges up to 45% p.a. on unsecured cards if a balance is carried
  • Fees and benefits vary by variant and need card-level checks

Frequently asked questions

What interest does SBI Card charge?

The SBI Card MITC states the current finance charge is up to 3.75% per month (45% per annum) from the transaction date, subject to change, and applicable taxes are extra.

How long is the SBI Card interest-free period?

The MITC states the interest-free credit period could range from 20 to 50 days, and it is suspended if any balance of the previous month's bill is outstanding.

Is the fee the same on all SBI credit cards?

No. Joining and annual fees depend on the card variant chosen.

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ClickPe is a financial marketplace and Digital Lending Service Provider. This product is offered by SBI Cards & Payment Services Limited, which makes the final decision on your application. Using ClickPe is free; we may receive a commission if your application is approved.