Best and Easy-to-Get Credit Cards in India

State Bank of India (SBI) is one of the most trusted banks in India. It offers a range of credit cards for specific categories, including shopping, travel, fuel, lifestyle, and rewards. It has issued more than 2.82 crore cards, making it the second-largest credit card issuer in India. It caters to more than 65 credit card categories. It stands as the best credit card issuer today.

In this blog, we have explained the best SBI credit cards by comparing them on various factors to help you make the best financial decision.

Why SBI Credit Cards are the Best: 

The following features of the SBI credit cards make them the best choice:

Security: They come with advanced security features such as Contactless payments and zero liability on lost cards to protect every credit card transaction.

Affordability: They provide various credit cards for even beginners to start their credit card journey. The SBI SimplySAVE credit card is the best entry-level credit card, with a fee of just ₹ 499.

Flexibility: The best credit cards allow the cardholders to convert big purchases into EMIs, pay utility bills, or withdraw cash.

Lifestyle Perks: It offers various lifestyle perks such as lounge access, movie ticket discounts at partner platforms such as Yatra, IRCTC, and Titan.

Reward Points and Cashback: SBI credit cardholders earn points or cashback every time they spend using their credit card. 

3 Best SBI Credit Cards for 2025

Here is the list of the 5 best credit cards with their unique key features and other information to help you with the SBI credit card apply.

1. SBI Cashback Credit Card

This is the best SBI credit card for online shoppers and entry-level users who want to earn cashback benefits. Its low annual fee and attractive cashback make it the best to start your credit card journey. You can build your credit history and improve your credit score, along with other credit card perks. It will help you save a lot if you are a frequent e-commerce user and online shopper from platforms like Amazon, Flipkart, or Myntra.

Key Features:

• It offers 5% cashback on online spends without any merchant restrictions with a cashback cap of ₹5,000/month.
• On the offline spends and bill payments, you get 1% cashback..
• 1% fuel surcharge waiver (₹500–₹3,000 transactions, up to ₹100/statement cycle).
• It has an annual fee of ₹999, which can also be waived if you spend ₹2 lakh in a year.
• Your cashback is credited automatically within 2 days of statement generation.

Eligibility: The applicant should have a minimum income of ₹4 lakh p.a. and the ages of 21 to 60. A credit score of more than 750 can enhance your chances of approval.

2. SBI Card ELITE

The SBI Card ELITE credit is the best SBI credit card for individuals who are looking for premium lifestyle benefits with added travel perks. It requires a minimum income of ₹10 lakh p.a., age 21–65, with a credit score of more than 750. This super-premium card offers benefits on dining, travel, and entertainment spending. With this credit card, applicants enjoy Welcome e-vouchers worth ₹5,000 on brands like Bata, Pantaloons, Yatra, and others. You can also get your annual fee of ₹4,999 waived by spending ₹10 lakh in a year.

Key Features:

• It offers up to 50,000 bonus reward points (₹12,500 value) on reaching the required spending milestone.
• With the SBI Card ELITE credit card, you also get 5X reward points (10 points/₹100) on dining, groceries, and departmental stores and 2 reward points/₹100 on other spends
• The 2 free movie tickets/month (₹250 each) via BookMyShow make it an exciting choice for frequent movie goers.
• It also offers a Complimentary Priority Pass and Club Vistara Silver membership (8 domestic, 4 international lounge visits/year).
• Annual fee: ₹4,999 (waived on ₹10 lakh annual spends).

3. Yatra SBI Card

As the name suggests, Yatra SBI Card is a co-branded credit card launched in partnership with Yatra. It offers exciting benefits on the flights and hotels bookings via Yatra maing it the best credit card for travelers.

Key Features:

• It offers a welcome gift voucher worth ₹8,250 from Yatra to new joiners along with ₹1,000 off on domestic flights (₹5,000+ transactions) and ₹4,000 off on international flights (₹40,000+ transactions) with complimentary air accident cover of ₹50 lakh.
• It also offers 20% off on domestic hotel bookings (₹3,000+ transactions).
• Additionally, you also enjoy 6 reward points/₹100 on dining, groceries, movies, and international spends, and 1 reward point/₹100 on other spends.
• It has an annual fee of ₹499, which will be waived if you reach the annual spend of ₹1 lakh.

Eligibility: Minimum income of ₹3.5 lakh p.a., age 21–60, credit score 700+.

Drawback: It is only good if you frequently use Yatra for making flights or hotel bookings, which might feel limiting for some users.

Comparison Table: Top SBI Credit Cards

Here is the comparison between the top three SBI credit cards on various factors, including annual fee, eligibility, and key factors:

Conclusion:

It is very important to choose the best SBI credit card based on your spending patterns or desired financial goals. It will help you save a significant amount over time with added perks like welcome benefits, milestone benefits, added rewards, and coupons. Visit MybankingTips today to compare various credit cards and find the best SBI credit card for you.