Introduction
When it comes to credit cards in India, SBI is often the first name people trust. With options for shopping, travel, fuel, and lifestyle benefits, there’s an SBI credit card for almost every type of spender.
But with so many choices, it can get confusing. Don’t worry — in this post, we’ll walk you through the best SBI credit cards in 2025, what makes them special, and which one is worth applying for based on your needs.
1. SBI SimplyCLICK Credit Card
If you shop online a lot, this card is a no-brainer.
- Annual Fee: ₹499 (free if you spend ₹1,00,000 in a year)
- Why it’s good:
- 10X rewards on Amazon, BookMyShow, Cleartrip, and more
- Extra rewards for other online shopping
- Fuel surcharge waiver (great for car owners)
👉 Perfect for: Regular online shoppers
2. SBI SimplySAVE Credit Card
This one is all about daily savings.
- Annual Fee: ₹499
- Why it’s good:
- Bonus reward points on your first spend
- Extra rewards on groceries, dining, movies, and departmental stores
- Fuel surcharge waiver
👉 Perfect for: Families and people who spend mostly on essentials
3. SBI PRIME Credit Card
A step up from the basics, PRIME is built for those who travel and spend a bit more.
- Annual Fee: ₹2,999
- Why it’s good:
- Welcome gift vouchers worth ₹3,000
- Free Club Vistara & Trident Privilege memberships
- Airport lounge access (both domestic & international)
- Extra rewards on dining, groceries, and entertainment
👉 Perfect for: Frequent travelers and lifestyle spenders
4. SBI ELITE Credit Card
This is SBI’s premium lifestyle card — designed for people who want luxury perks.
- Annual Fee: ₹4,999
- Why it’s good:
- Free movie tickets worth ₹6,000 every year
- International & domestic lounge access
- Club Vistara Silver membership
- High reward points on shopping and dining
👉 Perfect for: High spenders who love premium experiences
5. BPCL SBI Credit Card
A card made just for fuel savings.
- Annual Fee: ₹499
- Why it’s good:
- 4.25% value back on fuel purchases at BPCL stations
- 13X reward points on BPCL spends
- 1% fuel surcharge waiver
👉 Perfect for: Daily commuters and people with high fuel expenses
Quick Comparison
| Credit Card | Annual Fee | Best For | Standout Benefit |
|---|---|---|---|
| SBI Simply CLICK | ₹499 | Online Shopping | 10X rewards on partner sites |
| SBI Simply SAVE | ₹499 | Everyday Expenses | 10X rewards on dining & groceries |
| SBI PRIME | ₹2,999 | Travel & Lifestyle | Lounge access + memberships |
| SBI ELITE | ₹4,999 | Premium Lifestyle | Movie tickets + luxury rewards |
| BPCL SBI Card | ₹499 | Fuel Spends | 4.25% value back on BPCL fuel |
Final Thoughts
Choosing the best SBI credit card comes down to your lifestyle:
- Shop online? SimplyCLICK is the smart choice.
- Spend mostly on groceries and essentials? Go for SimplySAVE.
- Travel often? PRIME or ELITE will give you the perks you need.
- Drive a lot? Save big on fuel with the BPCL SBI Card.
At the end of the day, the right SBI card will help you save more and earn rewards on the things you already spend on.