State Bank of India is one of the leading banks in the public banking sector of India. SBI brings a wide range of credit cards. It offers varying benefits, deals and discounts on each type of credit card. Let’s discuss the best types of credit cards from SBI.

SBI Credit Cards

SBI Elite Credit Card :

Elite SBI Credit card is a contact less card which you can only waive to make the payment. If you apply for SBI Elite Credit Card, you will receive the e-gift voucher worth Rs 5000 as the welcome gift. SBI will send an SMS to the registered mobile number or a mail to the registered email ID for selecting the option of e-voucher. You will receive the SMS within 15 days of making the annual payment. The cardholder needs to make the selection within five days.

SBI Elite Credit Card

You can use the gift voucher to purchase products from a wide array of lifestyle brands or even use it for travel purpose. You can redeem the e-gift voucher at the brand stores by showing the code. For online purchase, you can redeem the code online. You will also get complimentary movie tickets worth Rs 6000 annually. This offer is valid for primary cards only. You can avail the offer by making at least a transaction for two tickets per month. You can avail maximum discount of Rs 250/ticket for 2 tickets. SBI offers a milestone privilege to the Elite cardholders. You can earn up to 50, 000 bonus points as a reward that worth Rs 12, 500 annually. If you spend Rs 3-4 lakh annually, you will earn a 10, 000 bonus reward points.

With the Elite credit card, you will get the eligibility for international and domestic lounge program. Availing the card, you will get a complimentary membership for international lounge program with priority pass program worth $99, six complimentary lounge visits annually (with two visits per quarter) and access over 1000 airports across the world. The membership is valid for two years. With the domestic lounge program, you will get two complimentary domestic airport lounge visits per quarter. You need to use the Elite card at the lounges to avail the offer. With SBI Elite card, you will get complimentary Club Vistara Silver membership. With the offer, you will get one complimentary lounge access voucher and one upgrade voucher. You can earn up to nine Club Vistara points on every Rs 100 you spent on Vistara flights.

Holding an Elite credit card, you are eligible for Trident Privilege Membership and will get Trident Privilege Red Tier membership as complimentary. Upon registration, you will receive 1000 welcome points. On your first stay, you will receive 1500 bonus points and additionally get Rs 1000 discount for extended night stay. You need to use the promo code ‘SBITH’ to avail the discount. Using SBI Elite card, you will get the privilege of availing lowest foreign currency markup charge, i.e. 1.99%. You will also get two reward points on every Rs 100 you spend on international transactions.

Additionally, you can avail Exclusive concierge service with a customized holiday, gift delivery, movie ticket booking or hotel reservation.  You will get complimentary fraud liability cover of Rs 1 Lakh with Elite Card. You can replace the credit card anywhere in the country. You have 24X7 helpline services for emergency situations.

The joining fee is Rs 4,999 (one-time) and the annual fee is Rs 4,999. 20-50 days is the grace period for paying the credit-amount, without any interest. The renewal fee is Rs 4, 999. The finance charge is up to 3.35% per month. SBI waives the annual fee if you spend Rs 10 lakhs or more annually. The eligibility to apply Elite SBI Credit card depends on the declared income and employment. The age limit for salaried applicants is 21-70 years, for pensioners the age limit is 40-70 years and for self-employed the age limit is 21-70 years.

Doctor’s SBI Card:

State Bank of India introduced the Doctor’s SBI Card in association with Indian Medical Association. The Doctor’s SBI Card equips advanced contactless technology allowing the cardholders to wave and pay. The doctors can use the card at more than 24 million outlets across the world. One can use the card at 325000 outlets in India only! On availing the card, the doctors get a welcome e-gift voucher worth Rs 1500 from

This card equips highly secured chip, and you get secured PIN facility. On purchasing medical supplies or travel bookings or using the card abroad, you will earn 5X reward points. Using the card on 1st July, i.e., Doctor’s Day for purchasing anything, you get 5X reward points. On every Rs 100 spent, you will get one reward point. On achieving annual spends of Rs 5 lakh, you will get the e-gift voucher worth Rs 5000 for selected stores.

The doctor’s get complimentary International Lounge Program membership with priority pass program of $99. With the membership, you will get four complimentary visits to international airport lounges annually. You have access to more than 1000 airports lounges across the world. With the Doctor’s SBI Card, you will get complimentary membership in the Domestic Lounge Program. With the membership, you will get eight complimentary domestic lounge visits across the country.

Making fuel purchase of Rs 500- 4000, you will get 1% surcharge-waive at the petrol pumps across the country.  The card holders can get emergency assistance for card replacement round the clock. You can avail the service from any country. You can withdraw cash at more than 1 million MasterCard or Visa ATMs worldwide. You can also convert the transaction or outstanding bill amount into EMI accessing the ‘flexipay’ feature.

The annual fee and renewal fee for Doctor’s SBI Card is Rs 1499, and the finance charge is up to 3.35%/month and 40.2%/annum. The grace period/ Interest-free period for the credit is 20-50 days. The over limit charge is 2.5% of the total over limit amount. The rewards redemption fee is Rs 99, and the emergency card replacement fee is Rs 100 in India and Rs 0 abroad. To apply for Doctor’s SBI Card, send an SMS typing the code ‘DOCTOR’ to 5676791. You can also call 39020202 with the local STD Code or the toll-free number 18601801290. To apply for availing the credit card, you can visit the official website and apply online, or you can visit the nearest SBI branch and meet the executive for further assistance.

You need to fulfill the eligibility criteria to apply for the Doctor’s SBI Card. The applicant must be a salaried doctor or self-practicing doctor with more than three years of experience. The minimum age limit is 21 while the maximum age limit is 65 years. The annual income should be minimum Rs 1, 50,000.