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SBI Credit Cards - Check Eligibility

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SBI Credit Card Eligibility

SBI (State Bank of India) offers different types of credit cards under multiple categories to suit your requirements. Each credit card has may have different eligibility criteria. If you do not meet the eligibility criteria bank may reject your application.

SBI Credit Card Eligibility Criteria to get a card in India:

Eligibility criteria may differ on the basis of the credit card you may want but some criteria remains the same for all cards which are:

  • Salaried Applicant’s age must be between the range of 21-70 years.
  • Self-Employed Applicant’s age must be between the range of 25-70 years.
  • Applicant must have a good credit score. A credit score of 700+ is considered good.
  • Applicant should have a monthly income. For a salaried person, minimum monthly salary should be Rs 20,000 and for self-employed and business persons, minimum annual ITR should be Rs 5 lakhs.
  • Applicant should be able to produce all the necessary documents required.

SimplySAVE SBI Credit Card

SBI SimplySAVE Credit Card

Highlight

  • 10 reward points
  • Annual fee reversal
  • 1% fuel surcharge waiver

Best Suited For

  • Fuel
  • Dining.
  • Movie Deal

SimplyCLICK SBI Credit Card

SimplyCLICK SBI Credit Card

Highlight

  • Get Amazon.in gift card
  • Earn 10X Reward Points on online spends
  • Earn 5X rewards on all other online spends
  • welcome e-gift voucher worth Rs. 500

Best Suited For

  • Shopping.
  • Fuel

SBI Card ELITE Advantage

SBI Card ELITE Advantage

Highlight

  • Balance Transfer on EMI
  • Cash Access Across the World
  • Fraud Liability Cover
  • Global Acceptance

Best Suited For

  • Dining.
  • Movie Deal
  • Shopping
  • Lounge AC
  • Golf Benefits

SBI Credit Card Prime

SBI Credit Card Prime

Highlight

  • E-Gift Voucher worth Rs. 7,000
  • Waiver of Renewal Fee on annual spends
  • 1,000 Welcome Points on registration
  • 20 Reward Points per Rs. 100 spent

Best Suited For

  • Dining.
  • Fuel
  • Lounge AC
  • Golf Benefits

Yatra SBI Credit Card

Yatra SBI Credit Card

Highlight

  • 20% instant discount on domestic hotels
  • 4,000 instant discount on international flight bookings
  • Get Yatra.com Discount Vouchers
  • Get 6X Reward Points on every Rs. 100 spent

Best Suited For

  • Dining.
  • Fuel
  • Lounge AC

IRCTC SBI Platinum Card

IRCTC SBI Platinum Credit Card

Highlight

  • Save 1.8% transaction charges on railway ticket bookings
  • Book your airline tickets with IRCTC at unbeatable prices

Best Suited For

  • Fuel

Factor affective Your Credit Card Eligibility

SBI (State Bank of India) has defined a list of criteria for each and every card. There may be a slight difference based on the kind of credit card one may want to apply. However basic criteria for most of the cards are the same. For example, if someone is applying for a topmost credit card say Platinum Card SBI may ask for higher annual income for such cards. There could be different needs for Salaried or Self employed individuals.

Besides the above-mentioned criteria, there are certain factors that also determine your eligibility:

  • Credit score Your chances of getting a credit card increases when you have a stellar credit score. If you have a bad score, your application will most likely be rejected. A good credit score is anywhere from 750 to 900.
  • Existing Debt Your card provider will also consider your credit utilisation ratio. If your dues exceed the granted limit, it may affect the approval of your application.
  • Employment Another factor that affects your eligibility is your employment status. Staying in your current job for more than a year can improve your chances of getting a credit card significantly.
  • Location Banks also take your location into consideration when they assess your application. Certain cards are only available to those residing in particular cities.

DOCUMENTS REQUIRED FOR SBI CREDIT CARDS

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Documents Required Additionally for NRI Applicants
  • PAN Card
  • Form 16
Other Documents Required
  • Recent passport sized photograph

HOW TO APPLY FOR SBI CREDIT CARD

APPLY ONLINE

  • Click on https://www.investmentcover.com/sbi-credit-cards.
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc.
  • After you fill the requirements, a list of suitable credit card options will be shown to you.
  • Select the option which suits your needs and apply for that credit card.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com

APPLY OFFLINE

To apply for SBI credit card offline:

  • Visit the nearest branch of State Bank of India.
  • Meet one of their credit card representatives and share your requirements and what you want from your SBI credit card.
  • Based on this, the representative will suggest a credit card along with its features and benefits.
  • Once you are satisfied, fill out the credit card application form and submit along with the required documents.
  • You will receive your SBI credit card in a few days after the approval of your application.
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