SBI Card

SBI (state bank of India) It is neither private nor public sector bank. It’s a channel of bank now all SBI associates has been merged with SBI It is an Indian multinational public centre banking and commercial financial service provider company. It is owned and control by governed corporation or RBI. As we know that every bank has its own headquarter in particular place SBI headquarter is in Mumbai.

SBI provides wide range of holding largest employer in the country. In India mostly rural and urban prefer to open account in SBI as it provides best services and affordable amount of deposits in rural and urban areas with major safety and security in mind and different banking schemes which help people to get their deposit in wholesome and with good amount interest rates.

SBI provides a range of banking products through its network of branches in India and overseas including products aimed at non-resident Indians. SBI operates several foreign subsidiaries and affiliates. SBI has history of its own and at colonial times was known as imperial bank of India.

SBI went through the nationalization phase in 1955 after control of imperial bank of India which was transferred to RBI but it is not counted as nationalised bank as only those banks nationalized under acquisition act as known to be nationalised bank of India.

Nationalisation means the taking over majority stake in private organisation sector by government so as to move towards socialism from capitalism. SBI sought to end the monopoly control of big industrialists upon the banking system giving more credit to priority sectors reduce regional economic inequalities to ensure enough development funds for the planned growth of the country.

It is the only bank that runs separately a government business branch at certain places. It acts as agent of RBI all over India and handles government business it offers lower business rates for its loan and advances maintain currency chest SBI is the only bank having pension as third benefits (even RBI is not having this facilities)

SBI Debit/Credit Cards

SBI cards are offering from SBI. It helps you to get things on credit at same time earn money through cashbacks and discounts avail. As some positive side of cards which are lesser known to the customers SBI cards can get you up to Rs 23000 benefits per year offers huge range of credit cards to its customer with a plethora of benefits catering to various customer need like shopping, dining, travelling, etc… SBI cards are mostly referred to credit cards and payment services private limited. Customers who wants to have credit or debit cards can apply through online offline mode both the cards have benefits on shopping, fuels, entertainment offer rewards, travel benefits, airport lounge excess, free for life no annual fees etc….

Eligibility Criteria To Apply For SBI Cards

In Case Of Debit Card

  1. Any person having 10 years or more age is eligible for debit card and can uniformly sign for SBI debit card
  2. Valid address proof
  3. Valid identity proof
  4. Pan card can be needed or may not be needed
  5. Aadhar card
  6. Passport size colour Photos of account holder

In Case Of Credit Card

  1. Minimum age should be 21 years maximum 60 years of age
  2. Should have regular source of income
  3. Should have decent credit score
  4. Valid identity proof
  5. Valid address proof (any official documents that display current residence)
  6. 3 months of salary slip and bank statement
  7. Birth certificate (students)
  8. College enrolment proof (college student)
  9. Passport size colour photos
  10. IT return for latest two months
  11. Saving account with SBI with strong saving details (students)
  12. ID proof as pan card, voter card, DL, Aadhar card

SBI Debit Card

State Bank Of India Platinum International Debit Card

  1. Earn Rs 200 state bank reward points on dinning, shopping, travelling, entertainment, booking train tickets and many more
  2. Personal death insurance of 5 lakhs and purchase protection insurance of 50000
  3. Higher transaction and withdraw limits
  4. Reward points of 3 transactions per quarter redeem reward points with excited offers and gifts
  5. On first and second transaction 50 points within one calendar month of card insurance

State Bank Global International Debit Card

  1. Shopping at over 6 lakhs merchants’ outlets in India and across the globe
  2. swiping the card at least three times in a quarter we can get double reward points on the transactions
  3. secure online transaction with master card secure code or verified by VISA
  4. Card can be used for booking movie tickets, travelling, paying bills and many more
  5. Freedom reward points on your third transaction within one month of card issuance

State Bank Of India Classic Debit Card

  1. Use the State Bank of India Classic Debit Card at least for 3 transaction every quarter and double your reward points
  2. Earn 1 reward points on every Rs 200 spent on dinning, travelling, shopping
  3. Instant SMS alert for every transaction made
  4. Earn 100 reward points on making third transactions within one month from the date of card issuance
  5. 50 rewards points on first purchase within one month from date of card issuance

State Bank Silver International Debit Card

  1. Use State Bank Silver International Debit Card for at least 3 transaction per quarter and get reward points on your spending
  2. Use your debit card for shopping more then 5 lakh merchants outlets established within India 30 million globally
  3. redeem reward points for excited gifts and vouchers
  4. Use your State Bank Silver International Debit Card to earn rewards points on first 3 transactions per quarter and get double reward points on your all spending’s

SBI Credit Card

SBI Simply Click Credit Card

  1. Excellent rewards points for and offers for online shopping with minimal annual fees
  2. Rs 499 annual fees is quite good for cards in this segment
  3. 10 rewards points for every 100 spend on partner e-commerce site additional for all other e-commerce site you will get 5x rewards
  4. Initial bonus will be in form of amazon gifts slightly gets above average ratings offers on amazon book my show
  5. Annual percentage rate will be higher
  6. Fuel surcharge waiver

State Bank Of India Elite Credit Card

  1. Rewards rate with State Bank of India Elite Credit Card is good for some categories such as grocery, dinning bills and departmental stores
  2. On this card you can earn vouchers of Rs 5000 on initial bonus additionally you will earn 12500 on achieving the milestone
  3. Annual percentage rate is quite decent moderate rate
  4. Annual membership fees is Rs 5000 + additional GST as per the membership fees the card offer is good
  5. Domestic and international airport lounge access
  6. Low foreign make up currency make up fee
  7. 1% fuel surcharge waiver
  8. exclusive assistance with gift delivery, holiday packages, and movie hotel reservation

State Bank Of India Card Prime

  1. Cardholders can avail vouchers from pantaloons/yatra of Rs7000 on spending 5 lakhs in a calendar year
  2. waiver of renewal fee on spending 3 lakhs in a calendar year with SBI card prime
  3. 5 reward points on spending Rs 100 spent on your SBI card prime at Reliance fresh, Reliance trends, Bhanda stores, big basket, reliance footprints
  4. Under trident privilege membership program you can enjoy trident privilege red tier membership as a complimentary offer
  5. Birthday benefit program you can enjoy 20 reward points using the SBI prime card on your special day
  6. Avail vouchers of Rs 3000 from popular travel lifestyle, and apparel brands as a joining perk

SBI Simply Save Card

  1. .By spending 1 lakh or more in the first year to avail renewal fee waiver for the second year
  2. By spending Rs 2000 within first 60 days of card issuance cardholder can Rs 2000 bonus reward points
  3. 10 reward points on every Rs 100 spent on dinning, movies, departmental stores, groceries
  4. Not only in India but it can be used 24 million outlets worldwide
  5. Cash withdrawal is also possible from over 1 million Visa or Master card
  6. ATMs located across the globe
  7. SBI simply save card holder can transfer the outstanding balance from bank credit card to SBI card and pay it back on EMIS
  8. SBI simply save card also offer the flexi pay options using which card holders can convert any big-ticket purchase into easy monthly instalments

IRCTC State Bank Of India Credit Card

  1. SBI IRCTC Credit Card holders will get up 10% on second AC bookings as railway points from their ticket purchase from irctc.com
  2. Users can save 1.8% transactions charge on their railway tickets if they book these tickets from IRCTC websites
  3. SBI IRCTC credit card has worldwide acceptance and can be used in over 29 million outlets across the globe
  4. Nonstop cash availability cardholders can withdraw money from any Visa ATM
  5. IRCTC offers some excellent package deal with IRCTC Credit Card including some exceptional privileges and travel packages
  6. SBI also provide utility bill payment facilities to its IRCTC Credit Card holders as the cardholders wont be able to forget paying bills they will be getting reminders on their register mobile numbers