SBI Signature Credit Card Review

The sbi signature credit card is ahead of most other Indian credit cards. There are many reasons for this, including the trust and faith that SBI has enjoyed for years as well as the benefits and affordability offered by the card. While it costs Rs. 4,999 as an annual fee, this sbi signature credit card features; free access to airport lounges, exclusive deals on movies, reward points on every transaction, etc. More about the benefits of sbi signature credit card are discussed below.

What are the sbi signature credit card eligibility criteria?

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average income of the applicant should be Rs. 60,000 monthly. 
  • For self-employed person:
    • Age: The age of the applicant should be between
    • Income: Annual Income Tax Return should be greater than Rs. 5 lakh. 
  • A long relationship with the bank will help you to get this card. 
  • An excellent credit score (above 780) is needed to apply for this card. 

As you submit your sbi credit card application from, you will get a unique application id, you can use that to track your sbi signature credit card application status. If you want to know how to apply for sbi visa signature credit card? then feel free to take a look at our faq page.

Required documents to apply for the SBI signature card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business

What are the sbi signature credit card fees?

  • SBI signature credit card joining fee: Rs. 4,999 + GST
  • SBI signature credit card annual fee: Rs. 4,999 + GST

What are the sbi signature credit card benefits? 

  • Mind-blowing sbi signature credit card welcome gift:

With the issuance of the card, you will be welcomed with a gift voucher worth Rs. 5,000. You can also choose the brand of your gift voucher. If you are not satisfied with your sbi signature card credit limit then feel free to take a look at our faq page to know the ways to increase it.

  • Get rewarded for every transaction:

You will be rewarded for every transaction you make using this card, the details of the sbi visa signature card reward scheme are given below. 

Category of transaction

Rate of earning sbi signature credit card reward points

For each Rs. 100 spent using this card 2 reward points. 
For each Rs. 100 spent on dining, grocery, departmental stores, and International platforms 5x reward points. 

These sbi signature card reward points are extremely useful, you can use them for travel booking, mobile recharge, monthly sbi visa signature credit card bill payment, or to get a product from the sbi credit card rewards points redemption catalog. The value of 1 reward point is equal to Rs. 0.25, you can always check your sbi signature credit card status from your net banking account.

  • Travel more comfortably with the sbi visa signature credit card airport lounge access benefits:

Under the complimentary priority pass membership (worth $99), you will get access to over 600 priority pass lounges worldwide. Click here for the sbi signature credit card lounge access list. Also under the sbi visa signature credit card lounge access program, this card gives you free access to domestic and international visa lunges. 

  • Attractive sbi signature credit card bookmyshow offer to entertain you:

This sbi signature credit card offers you a Rs. 500 discount on BookMyShow every month. You need to book at least 2 tickets(Rs. 250 discount per ticket) at a time to be eligible for the sbi signature elite credit card movie offer

  • Earn extra benefits on milestone spending:

You can also earn some extra from your card. You can find more about the sbi signature card milestone benefit scheme from the table given below. 

Total spend

Total benefit

Between Rs. 3 lakh to Rs. 4 lakh within a year.  10,000 bonus points. 
Between Rs. 5 lakh to Rs. 8 lakh within a year.   15,000 bonus points. 
On spending Rs. 10 lakh within an anniversary year.       A 100% waiver on the next year’s sbi signature card annual fee

You can earn up to 50,000 bonus points per year. You can check your reward balance from the sbi visa card net banking account or your monthly credit card statements. 

  • Fuel surcharge waiver offers on sbi signature credit card:

This card offers you up to a 2.5% waiver on fuel surcharges, this sbi signature credit card offer is applicable at any fuel station in India and on transactions between Rs. 500 to Rs. 4,000. You can earn a maximum of Rs. 250 waiver in a sbi credit card billing cycle. 

  • A multilingual concierge service to take care of your needs:

For the customers of visa signature credit card sbi offers a multilingual concierge service to assist them during emergencies. You can get services like travel booking, gift delivery, table booking at restaurants, golf booking, etc. Call the sbi signature credit card customer care to book your concierge.

  • Transform your high-value transaction into EMI with Flexi Pay:

Using the signature sbi card Flexi Pay option you can split your high-value purchases into small monthly installments. The minimum eligible transaction amount is Rs. 2,500 and you can convert a purchase into EMI within 30 days of performing the transaction.

  • Make repayment more conveniently using the sbi credit card balance transfer facility:

SBI allows you to transfer your other bank’s cards outstanding to this sbi signature card and pay them back in small monthly installments. You should check your available credit limit before performing a balance transfer. You can check your credit card balance from the sbi credit card internet banking account. 

  • Convenient sbi credit card bill payment options:

You can pay your credit card bill online via your net banking account or any credit card payment app like Google pay, Paytm, Phone pe, Cred, etc. But if you don’t have access to the sbi credit card online payment options, then you can also pay your credit card bill offline, more of which are discussed on our SBI faq page.

  • Make payment more easily with a convenient contactless payment option:

This sbi paywave card is equipped with an advanced contactless payment facility, using this contactless payment option, you can make payment effortlessly by tapping your card over any POS machine that accepts contactless payments. You can also control the contactless payment option using the sbi credit card online app

How much are the sbi credit card charges:

Particulars

Payable amount

SBI credit card cash withdrawal charges 2.5% against the withdrawn amount (min Rs. 300). Check your sbi signature credit card limit before making a withdrawal. 
SBI signature card finance charges The interest rates on sbi credit card can go up to 3.35% monthly or 40.2% annually. 
SBI signature credit card foreign transaction fee 3.5% against the transaction amount. 
Add on credit card fee Free for a lifetime. 

As per the new rules, international transactions on all new credit cards are turned off so if you want to know how to get sbi signature elite credit card activated for international transactions? then you can get some help from the 100xGain faq page.

How to contact sbi credit card customer care department?

  • Call the sbi credit card customer service number: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
  • Write to the sbi credit card customer care email id: customercare@sbicard.com  

100xGain Ratings: 

7.5/10

Pros and Cons:

Pros 

Cons 

  • This sbi signature elite credit card offers a complimentary priority pass membership.
  • You can make big monthly savings on movies.
  • The rate of earning sbi signature credit card reward points is also very good.
  • There is also a sbi signature credit card annual fee waiver option available.
  • There are no dining benefits on this visa signature sbi credit card.

Final Opinion:

After going through the sbi signature credit card details I can say that it is one of the most premium credit cards from SBI. In fact, this is one of the most complete credit cards I have ever seen. From lounge access to free movie tickets, this card has everything that is needed to make your daily life more delightful. 

But if you want to compare some alternative cards, then you should take a look at the 100xGain top credit card page. You can also compare the alternative card options given below.

Alternative SBI Signature Credit Cards: 

  1. HDFC moneyback credit card (Best for reward points and milestone benefit scheme)
  2. Kotak mojo platinum credit card (Best for reward points, lounge access, and fuel surcharge waivers) 
  3. SBI pulse credit card (Best for reward points, lounge access, benefits)

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