Central SBI Select Plus Credit Card Review

SBI offers so many credit cards for their customers for their uses and the Central SBI Select+ Card is one of them. The card is specially designed for shopping for fashion products. The card has so many benefits like joining benefits, select points, renewal benefits, milestone benefits, contactless card features, fraud liability cover, cash on the go, utility bill payments facility, flexipay, balance transfer on EMI, etc. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 70 yrs. 
    • Income: ₹40,000 monthly (Approx)
  • For self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: ₹40,000 monthly (Approx) 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report. 


  • Joining Fee: ₹2999 + GST
  • Annual Fee: ₹2999 + GST


  • Welcome benefit:

With the issuance of the card will get central e-gift vouchers worth ₹3000 as a welcome gift, you will get the reward points after payment of the joining fee. 

You will get complimentary m-coupons worth Rs.500 every month for up to 3 months, The validity of these vouchers will be 3 months.

  • Reward benefit:

If you spend ₹100 at the Central store you will get 20 select points each time.

If you spend ₹100 on dining and movies you will get 10 select points.

If you spend Rs.100 for all other retail purchases except fuel transactions you will get 2 select points.

You can redeem your select points whatever you want. There is no limit of minimum select points, you can use them for shopping, and at Central Stores. 

  • Lost card liability coverage:

This card comes with lost card liability coverage of ₹1 lakh. To avail the benefits of the coverage you have to report the loss as soon as you notice the loss. 

  • Milestone benefit:

If you spend a minimum of 6 lakhs or more in a year you will get 16,000 select points, also if you spend 1.5 lakhs annually you will get 6000 select points, 

Also if you spend Rs.3 lakhs annually you will get 10000 select points. 

You will get 12000 select points worth Rs.3000 as renewal benefits after paying the renewal fees and annual spend of ₹1,25,000. 

  • Add on card:

You can add any 2 of your family members like parents, spouse, and siblings with the Central SBI Select Plus Card as an add-on member. The member’s age should be minimum of 18 years.

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. 

  • Balance transfer:

You can Transfer your other bank credit card’s outstanding to your Central SBI Select Plus Card and pay back it in EMIs with a lower interest rate.

  • Global acceptance:

Central SBI Select Plus Card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments.


  • Cash Withdrawal Charge: ₹2.5% against the withdrawn amount, min ₹500. 
  • Finance Charge: 3.35% monthly. 
  • Foreign currency transaction: 3.5% against the transaction amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings:


Final Opinion:

This card is beneficial for those who want to earn reward benefits from their card, and also for those who shop at retail outlets. You will get 20 reward points on each transaction at select stores, lost card liability coverage, add-on card facility, EMI facility, balance transfer option, etc. 

But this card does not feature benefits on lounge access, golf privilege, and fuel purchase. So if you want to earn benefits on golf then you can go for Indusind Bank Platinum Credit Card, and if you want to benefit from lounge access then you can go for SBI Prime Credit Card, and if you want to earn benefit on fuel purchase then you can go for BPCL SBI Card or ICICI Bank HPCL Credit Card


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