Sales and Marketing

SBI Credit Cards are widely used for sales (purchases by customers) and offer various benefits, including cashback, reward points, and instant discounts at partner merchants. Key aspects regarding the sale and purchase using SBI credit cards include: 

Purchase Benefits & Offers (Sale/Usage)

• Cashback: The Cashback SBI Card offers 5% cashback on all online spends (no merchant restriction) and 1% on offline spends.
• Instant Discounts: SBI cards frequently provide 10% to 26% instant discounts during sales on platforms like Amazon, Flipkart, and at select offline stores (e.g., Pine Labs, Paytm, Smart Bazaar).
• Reward Points: Cards like SimplyCLICK offer up to 10X reward points on online partner spends, while SBI Card PRIME offers 5X points on dining, groceries, and movies.
• EMI Options: Purchases can be converted into Merchant EMIs or Flexipay for transactions over ₹2,500.
• Fuel Surcharge: 1% fuel surcharge waiver is available on transactions ranging from ₹500–₹4,000. 

Purchase Restrictions & Exclusions

• Reward/Cashback Restrictions: Cashback is not applicable on Merchant EMI, Flexipay, or categories like utility, insurance, fuel, rent, wallet, and education.
• Offer Restrictions: Offers are typically valid only on specific, authorized merchant platforms.
• Wallet Load Changes: Starting Nov 1, 2025, a 1% fee will be applied to wallet top-ups and app-based education payments. 

Purchasing/Acquiring an SBI Credit Card (Sale of Card)

• Application: Cards can be applied for online (E-Apply) or offline.
• Eligibility: Generally requires a minimum age of 21–70 years, with a steady income.
• Fees: Annual fees typically range from ₹499 to ₹2,999, with options for reversal upon achieving specific spending milestones (e.g., ₹1 lakh to ₹3 lakh annually).
• Activation: New cards can be activated via the SBI Card website, mobile app, or by calling their helpline. 

Special Features

• Contactless: Secure, tap-and-pay transactions are supported.
• Corporate Cards: Designed for business, providing spending limits and employee expense management.
• Balance Transfer: Outstanding balances from other banks’ cards can be transferred to an SBI card at lower interest rates and converted to EMI.