Central SBI Select Plus Card Review

If you are a shopping enthusiast and the majority of your monthly budget goes into your shopping expenses, then the sbi central select plus card would be a great choice for you. This card is particularly designed for those who shop frequently from central stores. It lets you enjoy accelerated sbi credit card rewards with your shopping expenses, complimentary lost card liability coverage, and lots more. More about the benefits of the card are discussed below.

Who can apply for the central sbi select card?

  • Resident Type: Indian. 
  • SBI credit card eligibility criteria for salaried person:
    • SBI credit card age limit: 21 to 70 yrs. 
    • Income: Rs. 30,000 monthly (Approx)
  • SBI credit card eligibility criteria For self-employed person:
    • SBI credit card age limit: 21 to 70 yrs. 
    • Income: Rs. 40,000 monthly (Approx) 
  • A CIBIL score of 680+ is required to apply for this sbi shopping credit card.

What documents are required to apply for a sbi credit card?

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photograph
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

As per the new rules, all new credit cards are now delivered in an inactive state. Therefore, if you want to know the sbi visa platinum credit card activation process, then make sure to take a look at our faq page.

What are the sbi central select card fees?

  • SBI bank card joining fee: Rs. 2999 + GST
  • SBI credit card annual fee: Rs. 2999 + GST

What are the central sbi select plus card benefits?

  • A huge joining bonus to welcome you:

As you activate your central sbi select credit card for the first time and pay your first-time joining fee, you will receive a Rs. 3,000 sbi card voucher as a welcome gift. Also, as a part of the SBI credit card opening bonus, you will receive an Rs.500 m-coupon every month for the first three months. 

  • Add more value to your transactions:

The sbi central credit card reward scheme is discussed in the table. 

Category of transaction

SBI credit card reward points for every Rs.100 transaction
Central stores  20 sbi card rewards
dining and movies 10 Points
All other retail purchases (excluding fuel) 2 Points

1 sbi cards reward points value = Rs.0.25. Now the obvious question is, ‘How can I redeem my SBI central credit card points?’ You can use those points to make payments at any central store.

  • Opportunity to earn something extra:

Depending on your credit card usage, you can earn some extra benefits from your central select sbi credit card.

Annual credit card usage

Total Benefits

Rs. 6 lakh 16,000 select points
Rs. 1.5 lakh  6000 select points
Rs. 3 lakh 10,000 select points
Central sbi card renewal fee payment and spending Rs.1.25 lakh 12,000 select points

You can keep track of your sbi credit card uses from your online banking account

  • Lost card liability coverage:

This sbi central select credit card comes with lost card liability coverage of Rs. 1 lakh. So, if your card ever gets lost or stolen, then you just have to report it by calling the sbi credit card customer care 24×7 helpline number and you will no longer be liable for anything bad that may happen to your account.

  • Experience easy bill splitting:

Using the sbi credit card flexipay emi facility, you can turn any of your high-value transactions into small monthly installments. You can also calculate the monthly installment amount from the sbi credit card emi calculator. You can find the sbi credit card online emi conversion process on our faq page.

  • Instant sbi credit card payment options:

You can pay your credit card bill online from your sbi credit card net banking account. You can also use any credit card bill payment app like Cred, Paytm, PhonePe, Google Pay, etc. to do the same.

  • Advanced security arrangements:

This sbi visa card is armed with the advanced EMV chip, this chip with its next-gen encryption method makes your central credit card nearly impossible to clone.

What are the sbi central select plus credit card charges?


Payable Amount

SBI credit card cash withdrawal charge 2.5% against the withdrawn amount, min Rs. 500 (check your sbi credit card cash withdrawal limit before making a withdrawal)
Central sbi card finance charge The sbi card interest rate can go up to 3.50% monthly (applicable if your sbi card payment is not made in time)
Foreign currency transaction 3.5% against the transaction amount
SBI central card add-on card fee None

How to contact the sbi credit card customer care department?

  • Call the sbi credit card toll-free number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card mail idcustomercare@sbicard.com

100xGain Ratings:


Pros and cons of the central select sbi card:



  • The reward earning rate of this central plus card is quite impressive.
  • There are no dining or entertainment benefits on this central sbi select card.
  • You will not get any cashback or discount offers from this central sbi credit card.

Final Opinion:

This central bank sbi credit card is beneficial for those who want to earn reward benefits from their card, and also for those who shop at Central retail outlets. This card features a very good reward earning rate that can offer you some handsome savings every month. 

However, apart from reward points, this SBI central shopping card has no significant benefits which is not acceptable for a card at this cost. Therefore, if you are looking for a better shopping card, then feel free to take a look at our best shopping cards page.

Alternative Cards: 

  1. ICICI Bank Platinum Identity Credit Card (Best for earning reward points) 
  2. RBL Titanium Delight Credit card (Best for reward points and value back benefits) 
  3. SBI Simply Click Credit Card (Best for reward points) 


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