SBI Central Credit Card Review

SBI offers so many credit cards for their customers for their uses and the sbi central credit 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.

Sbi credit card eligibility criteria:

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

Click here to go to the sbi credit card application status online tracking page.

Required documents for sbi central credit card:

  • 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 (Income Tax Return)
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recently audited financial report.

Click here for the sbi visa platinum credit card activation process. 

Sbi credit card fees:

  • Joining Fee: Rs. 2999 + GST
  • Annual Fee: The sbi credit card yearly charges for this card is Rs. 2999 + GST

You can make your sbi card payment online from your online banking account. You can also make your sbi credit card payment by cheque


  • Welcome benefit:

With the issuance of the sbi central credit card will get central e-gift vouchers worth Rs. 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.

You can make your sbi credit card payment from your sbi credit card net banking account. 

  • Reward benefit:

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

Transaction Amount 

Transaction Type

Reward Point

Rs. 100

Spend at the central stores 

20 Points.

Rs. 100

Spend on dining and movies

10 Points.

Rs. 100

Spend on retail purchase

2 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. You can know your total earned reward points just by calling the sbi credit card toll free customer service number. 

  • Lost card liability coverage:

This central bank sbi credit card comes with lost card liability coverage of Rs. 1 lakh. To avail of the benefits of the coverage, you have to report the loss as soon as you notice the loss. 

  • Milestone benefit:

The milestone benefits of this card are discussed in the table

Total Spend 


Total Benefit

Min Rs. 6 lakh.

In a year

16,000 select points

Rs. 1.5 lakh 

In a year

6000 select points

Rs. 3 lakh

In a year

10,000 select points

Rs. 1,25,000 and the sbi credit credit card payment of the annual fee

In a year

12,000 select points

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

  • 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.

 If you are not satisfied with your credit card limit then visit our FAQ page to know how to enhance credit limit on sbi credit card ?  Read sbi credit card terms and conditions before applying for add-on cards. 

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. Click here for the sbi credit card emi calculator

  • 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. Visit our FAQ page for the sbi credit card online emi conversion process. 

  • Global acceptance:

Central SBI Select Plus Card is accepted throughout the world. You can use this sbi visa card at almost any outlet or e-commerce site to make payments. For any queries, you can contact the sbi credit card customer care 24×7 helpline number given below. 



Payable Amount

Cash Withdrawal Charge

For cash withdrawal sbi credit card charges Rs. 2.5% against the withdrawn amount, min Rs. 500. Check your credit card limit to avoid sbi credit card over limit charges

Finance Charge

The sbi card interest rate is 3.35% monthly

Foreign currency transaction

3.5% against the transaction amount

Add-on card fee


Sbi credit card customer care contact details:

Sbi credit card toll-free number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777

Sbi credit card mail

100xGain Ratings:


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 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 if you are looking for more benefits, then take a look at the alternative card options given below. You can cancel sbi credit card anytime, visit our FAQ page to know how to close sbi credit card account. 

Alternative Cards: 

  1. ICICI Bank Platinum Identity Credit Card. (Best for earning reward points) 
  2. Kotak Mahindra Essentia Platinum Credit Card. (Best for earning reward points) 
  3. RBL Titanium Delight Credit card. (Best for reward points and value back benefits) 
  4. sbi simply click credit card. (Best for reward points) 

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