Summary
SBI will offer a diverse set of Top 10 Best SBI Credit Cards in 2025 with varying financial needs like shopping, traveling, fuel saving, lifestyle, and medical cover. Based on whether you want cashback rewards, travel benefits abroad, or fuel rebates, SBI has a credit card that will serve your purpose.
For online shoppers, the SimplyCLICK SBI Card and Cashback SBI Credit Card are excellent cards offering rewards and cashback on online shopping. For travel lovers, there are high-end cards such as SBI Card MILES and KrisFlyer SBI Card APEX, which offer airport lounge access, travel insurance, and quick KrisFlyer miles accrual.
If you frequently spend on fuel, BPCL SBI Credit Card and BPCL SBI Octane Credit Card give you the maximum savings on fuel spent at Bharat Petroleum retail outlets. For more high-end lifestyle rewards, one can go for SBI ELITE Credit Card and SBI Prime Credit Card, with high reward points, milestone rewards, and luxury services like concierge and movie benefits.
Health-fit enthusiasts, the SBI Card PULSE gives pa referred fitness advantage, insurance coverage, and free health check-ups. For shoppers who want UPI transfers that are natural, hassle-free, and on their credit card, SimplySAVE UPI RuPay Credit Card is aptest.
Introduction
Top 10 Best SBI Credit Cards In 2025, SBI remains one of India’s most reliable banks with a range of credit cards catering to various purposes. Being a shopaholic, businessperson, frequent flier, or the type who enjoys rewards and cashback, SBI has a credit card for you. With impressive benefits, low charges, and promotional offers, the cards help you manage expenses prudently.
Top 10 Best SBI Credit Cards are designed to deliver maximum savings and convenience. From fuel surcharge exemptions to travel rewards, dining discounts, and online shopping rewards, each card has something unique to offer. The bank continually upgrades its credit card facilities to adhere to the changing lifestyle of its customers. SBI has introduced even better rewards, improved security, and special benefits in 2025 to offer an effortless and rewarding experience to users.
Choosing the right credit card can be daunting, with so many cards available to pick from. Certain cards are ideal for travel, while others are perfect for shopping, dining, or saving money on gasoline. So to simplify things, we have made the list of the top 10 best SBI credit cards in 2025. These cards are the most useful, highest rewards, and best value for various types of users.
If you are planning to take an SBI credit card, this guide will acquaint you with the best options on offer and help you choose the one that best meets your needs. Let us take a look at the best SBI credit cards of 2025!
List Of Top 10 Best SBI Credit Cards in 2025
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card is a favorite for digital spenders who are fond of earning rewards on online transactions. This first-time credit card provides additional rewards on online transactions from co-branded merchants such as Amazon, BookMyShow, and Cleartrip. It has the benefit of quick approval, low annual fees, and welcome benefits. With cashback benefits, a fuel surcharge, and milestone rewards, the SimplyCLICK Credit Card is ideal for people who do online shopping regularly and wish to get more back on their spending.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Point | 10X rewards on online spending at Amazon, BookMyShow, Cleartrip, etc. |
| Welcome Benefits | ₹500 Amazon Gift Voucher on joining |
| All Other Online Spends | 5X reward points on all other online spending Spends1X reward point on all offline spends |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Milestone Benefits | ₹2,000 Cleartrip e-voucher on annual spends of ₹1 lakh |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹499 (waived on annual spends of ₹1 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
Cashback SBI Credit Card
Cashback SBI Credit Card is a good option for one who enjoys making cashback from daily spending. The card rewards a flat rate of 5% cashback on online purchases and 1% cashback on offline expenses, making it a suitable credit card for online shoppers as well as frequent customers. Without merchant limitations, cashback credit offered instantly, and a no-frills reward process, it facilitates maximum savings with every transaction.
| Features | Detail |
| Joining Fee | ₹999 + GST |
| Cashback on Online Spending | Flat 5% cashback on overall online spending up to ₹5,000/month |
| Cashback on Offline Spending | 1% cash back on offline spends |
| Instant Cashback Credit | Cashback is credited instantly to the card account |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on spends between ₹500-₹3,000 |
| No Merchant Limit | Cashback is offered on all online merchants with no partner limits |
| Contactless Payment | Tap-and-pay enabled for convenient transactions |
| Annual Fee | ₹999 (waived on ₹2 lakh spent in a year) |
| EMI Conservation | Make big-ticket purchases easy EMIs |
| Global Acceptance | Accepted by millions of merchant points all over the world |
SBI SimplySAVE UPI Rupay Credit Card
SBI SimplySAVE UPI RuPay Credit Card is a budget credit card designed for individuals who frequently make UPI payments and love to earn rewards against daily spending. Being a RuPay-enabled card, it gives customers the facility to link the card with UPI apps to simplify transactions. It earns extra reward points on spending on dining, groceries, movie spending, and spending at department stores, so ideal for daily spending.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Point | 10X reward points on department store, grocery, movie, and dining spending |
| Welcome Benefits | 2,000 reward points bonus on ₹2,000 spends within 60 days |
| All Other Spends | 1X reward point on all other spending excluding the above |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹499 (waived on annual spends of ₹1 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
BPCL SBI Octane Credit Card
BPCL SBI Octane Credit Card is a high-end fuel credit card for people who regularly need to refuel their car. It provides a 7.25% value-back on fuel purchased at Bharat Petroleum (BPCL) fuel stations, which is one of the best ways to save money on fuel costs. The card also provides double the rewards on dining, grocery, and movie ticket shopping. With free lounge access, rebates for fuel charges, and milestone advantages, this card has great bargains and an indulgent experience for regular travelers and frequent fliers.
| Features | Detail |
| Joining Fee | ₹1,499 + GST |
| Reward Points on Fuel | 25X reward points on BPCL fuel spends (₹10 = 25 reward points) |
| Regular Spends | 1X reward point on all other spends |
| Other Categories | 10X reward points on dining, movies, and grocery |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at BPCL retail stations (on transactions of ₹500-₹4,000) |
| Fuel Savings | 7.25% value-back (6.25% cashback + 1% surcharge waiver) on fuel transactions at BPCL retail outlets |
| Annual Fee | ₹1,499 (waived on annual spends of ₹2 lakh) |
| Welcome Benefit | ₹1,500 worth of BPCL fuel voucher on joining |
| Airport Lounge Access | 4 complimentary domestic lounge visits a year |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
SBI Card PULSE
SBI Card PULSE is a fitness and well-being credit card designed for individuals who are health believers and lead active lifestyles. It provides free membership at health clubs, unique health privileges, and higher rewards on the medical shops and medical center spending. The card members also get free health check-ups, insurance, and lounge privileges, and hence it’s a complete card for health fanatics and regular flyers.
| Features | Detail |
| Joining Fee | ₹1,499 + GST |
| Reward Points | 5X reward points on spending at the pharmacy, medical, and dining |
| Regular Spends | 1X reward point on all other spends |
| Health & Fitness Benefits | Free Cult. fit Live 1-Year Membership (worth ₹7,500) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver (on spends of ₹500-₹4,000) |
| Health Check-ups | Free annual health check-up package |
| Annual Fee | ₹1,499 (waived on annual spends of ₹2 lakh) |
| Welcome Benefit | Noise ColorFit Pulse Smartwatch on card activation |
| Insurance Cover | Free personal accidental insurance of ₹20 lakh |
| Airport Lounge Access | 8 free domestic lounge visits annually |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
SBI Prime Credit Card
SBI Prime Credit Card is a lifestyle rewards credit card for luxury enthusiasts, travelers, and high-reward value seekers. It offers superior benefits on dining, shopping, travel, and fuel, free airport lounge access, and milestone rewards. With quicker reward points on key expenditure categories and multiple lifestyle privileges, the card gives maximum savings and a better experience.
| Features | Detail |
| Joining Fee | ₹2,999 + GST |
| Reward Points | 10X reward points on dining, grocery, movie, and departmental store spending |
| Regular Spends | 2X reward points on all spends except the above |
| Milestone Benefit | Gift vouchers of ₹7,000 on annual spends of ₹5 lakh |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver (on spends of ₹500-₹4,000) |
| Annual Fee | ₹2,999 (waived on annual spends of ₹3 lakh) |
| Welcome Benefit | ₹3,000 gift vouchers for premium brands such as Bata, Pantaloons, Shoppers Stop, etc. |
| Insurance Cover | Free personal accidental insurance of ₹20 lakh |
| Airport Lounge Access | 8 free domestic and 4 international lounge visits in a year |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
BPCL SBI Credit Card
BPCL SBI Credit Card is a fuel credit card specifically designed to make you save more on fuel purchases at Bharat Petroleum (BPCL) retail outlets. It provides 4.25% value-back on fuel purchases, in addition to reward points on groceries, dining, and other spending. In addition to fuel surcharge waivers, milestone rewards, and convenient redemption, this card is ideal for daily travelers and frequent commuters.
| Features | Detail |
| Joining Fee | ₹499 + GST |
| Reward Points on Fuel | 13X reward points on BPCL fuel spends (₹10 = 13 reward points) |
| Regular Spends | 1X reward point on all other spends |
| Other Categories | 5X reward points on restaurants, movies, and groceries |
| Fuel Surcharge Waiver | 1% fuel surcharge rebate on BPCL retail stations (transactions between ₹500-₹4,000) |
| Fuel Savings | 4.25% value-back on fuel spends at BPCL fuel pumps (3.25% cashback + 1% surcharge waiver) |
| Annual Fee | ₹499 (waived on annual spends of ₹50,000) |
| Welcome Benefit | ₹500 BPCL fuel voucher at the time of joining |
| Airport Lounge Access | 4 complimentary domestic lounge visits a year |
| EMI Facility | Turn big purchases into easy EMIs |
| Worldwide Acceptance | Accepted at millions of merchants worldwide |
SBI ELITE Credit Card
SBI ELITE Credit Card is a high-end lifestyle card that is designed for people with a penchant for luxury, travel, and heavy rewards. The card offers privilege benefits on retail, dining, travel, and entertainment, coupled with complimentary lounge access in the airport, milestone rewards, and concierge facility. This is a great credit card option that is ideal for people seeking the best and enriching credit card experience.
| Features | Detail |
| Joining Fee | ₹4,999 + GST |
| Reward Point | 5X reward points on restaurant bills, grocery spends, and departmental store spends |
| Welcome Benefits | ₹5,000 value gift vouchers from premium brands like Yatra, Pantaloons, Aditya Birla Fashion, etc. |
| Regular Spends | 2X reward points on all other spends |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Airport Lounge Access | 6 free international and 8 domestic lounge visits a year |
| Milestone Benefits | Get up to ₹12,500 worth of gift vouchers annually on spends of ₹3 lakh and more |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹4,999 (waived on spends of ₹10 lakh a year) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Movie Benefit | Get 1 free movie ticket every month (up to ₹250) on BookMyShow |
| Concierge Services | Personalized concierge services for travel, dining, and gifting |
| Insurance Cover | Air accident insurance cover of ₹1 crore |
KrisFlyer SBI Card Apex
KrisFlyer SBI Card APEX is a premium travel credit card designed for frequent flyers, especially those with the tendency to use Singapore Airlines and its alliance carriers. The card offers high reward points on spends at international and travel-related categories, airport priority services, complimentary lounge access, and milestone rewards. This card is perfect for world travelers who want to maximize their travel with rapid KrisFlyer miles accumulation, premium travel privileges, and exclusive benefits.
| Features | Detail |
| Joining Fee | ₹9,999 + GST |
| KrisFlyer Miles Earning | 8 KrisFlyer miles for every ₹200 spent on Singapore Airlines, Scoot, and KrisShop |
| Welcome Benefits | 3,500 KrisFlyer miles on sign-up |
| Regular Spends | 2 KrisFlyer miles for every ₹200 on all other transactions |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Airport Lounge Access | 6 complimentary international and 8 complimentary domestic lounges access a year |
| Milestone Benefits | Get up to 20,000 KrisFlyer miles on annual spends of ₹5 lakh and above |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹10,000 (waived on annual spends of ₹12 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Travel/Dining Benefit | Special discounts on Singapore Airlines, Scoot, and KrisShop |
| Priority Pass Membership | Free Priority Pass membership for a global lounge experience |
| Insurance Cover | Air accident insurance cover of ₹1 crore |
| Foreign Exchange Markup | Low 1.99% mark-up on cross-border transactions |
SBI Card MILES
Premium travel credit cards suited for frequent fliers and overseas visitors are SBI Card MILES. It offers preferential travel privileges, free access to airport lounges, and fast reward points on hotel, airfare, and travel expenses. The card offers an unbroken and fulfilling travel experience with a low forex margin, milestone incentives, and insurance features.
| Features | Detail |
| Joining Fee | ₹1,499 + GST |
| Accelerated Rewards | Extra reward points on airline bookings, hotel stays, and travel charges |
| Welcome Benefits | Sign-up bonus reward points (added to travel wallet) |
| Regular Spends | Reward points on all else |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver at all fuel stations (on spends between ₹500-₹3,000) |
| Airport Lounge Access | Free domestic and international lounge visits every year |
| Milestone Benefits | Extra travel vouchers on reaching annual spending milestones |
| Contactless Payment | Designed for secure and easy tap-and-pay payments |
| Annual Fee | ₹1,499 (waived on annual spends of ₹3 lakh) |
| EMI Facility | Make large buys into easy EMIs |
| Global Acceptance | Accepted at millions of places globally |
| Travel/Dining Benefit | Special offers on flight reservations, hotel accommodations, and travel |
| Priority Pass Membership | Free Priority Pass membership for international lounge access |
| Insurance Cover | Travel insurance benefits such as lost luggage and flight delay protection |
| Foreign Exchange Markup | Low forex markup on international spend |
Conclusion
SBI has numerous credit cards (Top 10 Best SBI Credit Cards) in 2025 that appeal to different requirements and lifestyles. If you are looking for a card with the highest cashback, heavy travel rewards, fuel economy, or lifestyle rewards, SBI offers you a card for your spending behavior.
If you shop online most of the time, cards such as SimplyCLICK SBI Card and Cashback SBI Credit Card can reward you with higher rewards and cashback. Frequent flyers, premium credit cards such as SBI Card MILES, and KrisFlyer SBI Card APEX are worthwhile choices with excellent travel benefits such as airport lounge access, travel insurance, and forex savings. For lifestyle benefits at a premium level, the SBI ELITE Credit Card and SBI Prime Credit Card offer large reward points, milestone benefits, and exclusive privileges on shopping, dining, and entertainment.
For fuel savings, the BPCL SBI Credit Card and BPCL SBI Octane Credit Card offer excellent cashback and surcharge waivers at Bharat Petroleum outlets. Or if you are looking for a credit card with a UPI facility and low charges, SimplySAVE UPI RuPay Credit Card is the best. Finally, if you care about health and fitness, the SBI Card PULSE gives rewards related to health such as free medical check-ups for free, membership in a gym, and insurance cover.
Frequently Asked Questions (FAQ’s)
Ans: You can apply for an SBI credit card online from the SBI Card website or at your local SBI branch. You can also apply on partner websites and fintech platforms.
Ans: Yes, SBI RuPay credit cards such as SimplySAVE UPI RuPay Credit Card can be connected with UPI apps such as Google Pay, PhonePe, Paytm, and BHIM UPI to enable payment.
Ans: Approval is typically 7–15 working days after applying. Processing can be postponed if additional documentation is sought.
Ans: It is 700 and above for sanction. There are some beginning credit cards available in SBI for others with lower scores as well.
Ans: Yes, you can have more than a single SBI credit card depending on your creditworthiness and eligibility. SBI might have some internal restrictions on the maximum number of cards a customer can hold.
