Are you looking for a credit card that offers you lower transaction fees, wider acceptance, and enhanced security features? If yes, then you might want to consider a Rupay credit card.
Rupay is India’s own payment network that competes with global giants like Visa and Mastercard. One of the unique features of SBI Rupay credit cards is that they come with a UPI feature that allows you to make easy and secure payments using your mobile phone. You can scan QR codes, send money to contacts, and pay bills with just a few taps.
SBI Rupay credit card are designed to cater to the diverse needs and preferences of Indian consumers. Whether you want to save on fuel, travel, shopping, or dining, there is an SBI Rupay credit card for you.
In this article, we will review the best SBI Rupay credit cards available in the market and help you choose the one that suits you the best. We will compare their features and benefits, fees and charges, eligibility criteria, and how to apply.
We will also provide you with a comparison table that summarizes the key points of each card. So, let’s get started.
SBI SimplySAVE Credit Card
If you are looking for a credit card that rewards you for your everyday spending, then the SBI SimplySAVE UPI Rupay Credit Card might be the one for you. This card offers you 10X reward points on dining, movies, grocery, and departmental store spends, and 1 reward point per Rs. 100 spent on other categories. You can redeem your reward points for a variety of gifts and vouchers from the SBI Card Rewards Catalogue.
Benefits and Features
- Earn 10X reward points on online spending with exclusive partners such as Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds, and UrbanClap
- Earn 5X reward points on all other online spending
- Earn 1 reward point per Rs. 100 spent on all other categories
- Redeem your reward points for e-vouchers from Amazon, BookMyShow, Cleartrip, and more
- Get a welcome e-gift voucher worth Rs. 500 from Amazon
- Get an annual fee reversal of Rs. 499 + GST if you spend Rs. 1 lakh or more in a year
- Get a milestone e-gift voucher worth Rs. 2,000 from Cleartrip on spending Rs. 2 lakh or more in a year
- Save on fuel expenses with a 1% fuel surcharge waiver across all petrol pumps in India, up to Rs. 100 per month
- Link your card to any UPI app and enjoy interest-free credit period on your everyday needs
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Rs. 499 + GST
- Renewal Fee: Rs. 499 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 950, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
How to Apply
- Online: Visit the SBI Card website by clicking BELOW button and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
SBI SimplySAVE Credit Card
IRCTC Rupay SBI Credit Card
If you are a frequent traveller who loves to explore India by train, then the IRCTC Rupay SBI Credit Card might be the perfect companion for you.
This card offers you 10% value back on AC1, AC2, AC3, and AC CC railway ticket bookings on irctc.co.in.
This means that for every Rs. 100 spent on train tickets, you get 10 reward points, which are equivalent to Rs. 10. You can redeem your reward points for free train tickets on irctc.co.in.
Benefits and Features
- Earn 10% value back on AC1, AC2, AC3, and AC CC railway ticket bookings on irctc.co.in
- Get 10 reward points for every Rs. 100 spent on train tickets
- Redeem your reward points for free train tickets on irctc.co.in
- Earn 1 reward point per Rs. 125 spent on non-fuel retail purchases
- Redeem your reward points for a variety of products and services from the SBI Card Rewards Catalogue
- Save on fuel expenses with a 1% fuel surcharge waiver across all petrol pumps in India, up to Rs. 100 per month
- Get complimentary travel insurance cover up to Rs. 10 lakh, which includes personal accident, death, and permanent disability
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Rs. 500 + GST
- Renewal Fee: Rs. 300 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 950, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
How to Apply
- Online: Visit the SBI Card website and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
IRCTC Rupay SBI Credit Card
BPCL SBI Rupay Platinum Credit Card
If you are looking for a credit card that rewards you for your fuel and other spending, then the BPCL SBI Rupay Platinum Credit Card might be the one for you.
This card offers you 25X reward points on BPCL fuel and Bharat Gas spends, 10X reward points on dining, movies, grocery, and departmental store spends, and 5X reward points on all other spends.
You can redeem your reward points for free fuel at BPCL outlets or for a variety of gifts and vouchers from the SBI Card Rewards Catalogue.
Benefits and Features
- Earn 25X reward points on BPCL fuel and Bharat Gas spends, equivalent to 6.25% value back
- Maximum 2500 reward points per billing cycle
- Redeem your reward points for free fuel at BPCL outlets or for a variety of gifts and vouchers from the SBI Card Rewards Catalogue
- Earn 10X reward points on dining, movies, grocery, and departmental store spends, equivalent to 2.5% value back
- Maximum 7500 reward points per month
- Earn 5X reward points on all other spends, equivalent to 1.25% value back
- Get a welcome benefit of 6000 bonus reward points, worth Rs. 1500, on payment of annual fee
- Get an annual fee reversal of Rs. 1499 + GST if you spend Rs. 2 lakh or more in a year
- Save on fuel expenses with a fuel surcharge waiver of up to Rs. 250 per month and a 1% transaction fee waiver at BPCL petrol pumps
- Get complimentary lounge access at select airports in India, up to four times per year
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Rs. 1499 + GST
- Renewal Fee: Rs. 1499 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 1300, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
How to Apply
- Online: Visit the SBI Card website and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
BPCL SBI Rupay Platinum Credit Card
Yatra SBI Rupay Credit Card
If you are looking for a credit card that rewards you for your travel spending, then the Yatra SBI Credit Card might be the one for you.
This card offers you 6X reward points on Yatra.com, departmental, and grocery store spends, and 1 reward point per Rs. 100 spent on other categories. You can redeem your reward points for free flight tickets and hotel bookings on Yatra.com.
Benefits and Features
- Earn 6X reward points on Yatra.com, departmental, and grocery store spends, equivalent to 1.5% value back
- Earn 1 reward point per Rs. 100 spent on other categories, equivalent to 0.25% value back
- Redeem your reward points for free flight tickets and hotel bookings on Yatra.com
- Get a welcome benefit of e-gift vouchers from Yatra.com worth Rs 8250/- on paying the membership fee
- Rs. 5000 voucher on domestic flight bookings
- Rs. 1500 voucher on domestic hotel bookings
- Rs. 1000 voucher on international flight bookings
- Rs. 750 voucher on bus bookings
- Get a milestone benefit of e-gift vouchers from Yatra.com worth Rs 4000/- on spending Rs. 1 lakh or more in a year
- Rs. 1000 voucher on domestic flight bookings
- Rs. 1000 voucher on domestic hotel bookings
- Rs. 1000 voucher on international flight bookings
- Rs. 1000 voucher on bus bookings
- Save on fuel expenses with a fuel surcharge waiver of up to Rs. 100 per month
- Get complimentary lounge access at select airports in India, up to two times per quarter
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Rs. 499 + GST
- Renewal Fee: Rs. 499 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 950, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
How to Apply
- Online: Visit the SBI Card website and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
Yatra SBI Rupay Credit Card
SBI Shaurya Select Rupay Credit Card
If you are looking for a credit card that is designed exclusively for defence personnel, then the SBI Shaurya Select Credit Card might be the one for you.
This card offers you 4 reward points per Rs. 100 spent on dining, departmental, and grocery store spends, and 2 reward points per Rs. 100 spent on other categories.
You can redeem your reward points for a variety of gifts and vouchers from the SBI Card Rewards Catalogue.
Benefits and Features
- Earn 10X reward points on dining, movies, departmental, and grocery store spends, equivalent to 2.5% value back
- Earn 2X reward points on all other spends, equivalent to 0.5% value back
- Redeem your reward points for a variety of gifts and vouchers from the SBI Card Rewards Catalogue
- Get a welcome benefit of 1500 bonus reward points on paying the renewal fee
- Get a milestone benefit of e-gift vouchers worth Rs. 7500 from Yatra or Pantaloons on spending Rs. 5 lakh or more in a year
- Get an annual fee reversal of Rs. 1499 + GST if you spend Rs. 1.5 lakh or more in a year
- Save on fuel expenses with a fuel surcharge waiver of up to Rs. 250 per month
- Get complimentary personal accident insurance cover up to Rs. 10 lakh, offered by RuPay
- Get complimentary lounge access at select airports in India, up to four times per year
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Nil
- Renewal Fee: Rs. 1499 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 1300, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
- Service: Serving or retired defence personnel from the Army, Navy, Air Force, Coast Guard, or Paramilitary Forces
How to Apply
- Online: Visit the SBI Card website and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
SBI Shaurya Select Rupay Credit Card
SBI Shaurya Rupay Credit Card
If you are looking for a credit card that is designed exclusively for defence personnel and offers you value back on your spending, then the SBI Shaurya Credit Card might be the one for you.
This card offers you 2.5% value back on all departmental and grocery store spends, and 1% value back on all other spends. This means that for every Rs. 100 spent, you get Rs. 2.5 or Rs. 1 as cashback, respectively.
You can use your cashback to pay your outstanding balance or redeem it for a variety of gifts and vouchers from the SBI Card Rewards Catalogue.
Benefits and Features
- Earn 5X reward points on CSD, dining, movies, departmental, and grocery store spends, equivalent to 1.25% value back
- Earn 1 reward point per Rs. 100 spent on all other categories, equivalent to 0.25% value back
- Redeem your reward points for free fuel at BPCL outlets or for a variety of gifts and vouchers from the SBI Card Rewards Catalogue
- Get a welcome benefit of 1000 reward points on paying the joining fee of Rs. 250
- Get an annual fee reversal of Rs. 250 + GST if you spend Rs. 50,000 or more in a year
- Save on fuel expenses with a fuel surcharge waiver of up to Rs. 100 per month
- Get complimentary personal accident insurance cover up to Rs. 2 lakh, offered by RuPay
- Get exclusive discounts and offers on travel, dining, and entertainment from Rupay and SBI Card
Fees and Charges
- Joining Fee: Rs. 250 + GST
- Renewal Fee: Rs. 250 + GST
- Interest Rate: 3.35% per month
- Cash Advance Fee: 2.5% of the amount withdrawn or Rs. 300, whichever is higher
- Late Payment Fee: Rs. 100 to Rs. 950, depending on the total amount due
- Overlimit Fee: 2.5% of the overlimit amount or Rs. 500, whichever is higher
- Cheque Bounce Fee: 2% of the cheque amount or Rs. 450, whichever is higher
- Foreign Currency Transaction Fee: 3.5% of the transaction amount
Eligibility Criteria
- Age: Minimum 21 years, Maximum 70 years
- Credit Score: Good
- Income: Minimum Rs. 20,000 per month
- Occupation: Salaried or Self-employed
- Nationality: Indian
- Service: Serving or retired defence personnel from the Army, Navy, Air Force, Coast Guard, or Paramilitary Forces
How to Apply
- Online: Visit the SBI Card website and fill out the online application form. Upload your identity proof, address proof, income proof, and PAN card. Submit the form and wait for the approval.
SBI Shaurya Rupay Credit Card
Let’s Compare SBI Rupay Credit Card
| Card Name | Joining Fee | Renewal Fee | Reward Type | Best Suited For |
|---|---|---|---|---|
| SBI SimplySAVE UPI Rupay Credit Card | Rs. 499 + GST | Rs. 499 + GST | Reward Points | Shopping |
| IRCTC Rupay SBI Credit Card | Rs. 500 + GST | Rs. 300 + GST | Reward Points | Travel |
| BPCL SBI Card Octane | Rs. 1,499 + GST | Rs. 1,499 + GST | Reward Points | Fuel |
| Yatra SBI Credit Card | Rs. 499 + GST | Rs. 499 + GST | Reward Points | Travel |
| SBI Shaurya Select Credit Card | Nil | Rs. 1,499 + GST | Reward Points | Shopping |
| SBI Shaurya Credit Card | Rs. 250 + GST | Rs. 250 + GST | Value Back | Shopping |
Conclusion
In this post, we have reviewed the best SBI Rupay credit cards available in the market and compared their features and benefits, fees and charges, eligibility criteria, and how to apply.
We have also provided you with a comparison table that summarizes the key points of each card. We hope that this post has helped you to choose the best SBI Rupay credit card that suits your needs and preferences.
Rupay credit cards are a great option for anyone who wants to enjoy lower transaction fees, wider acceptance, and enhanced security features.
SBI Rupay credit cards are designed to cater to the diverse needs and preferences of Indian consumers. Whether you want to save on fuel, travel, shopping, or dining, there is an SBI Rupay credit card for you.
If you are interested in applying for any of the SBI Rupay credit cards, you can visit the SBI Card website and fill out the online application form.
FAQs
What is a SBI Rupay Credit Card and how is it different from other credit cards?
A SBI Rupay Credit Card is a type of credit card that is issued by the State Bank of India and powered by Rupay, India’s own payment network. It is different from other credit cards in terms of lower transaction fees, wider acceptance, and enhanced security features. Rupay credit cards are accepted by all Indian banks and merchants, and offer cashback, discounts, and offers on travel, dining, and entertainment from Rupay and SBI Card.
What are the benefits of using a SBI Rupay Credit Card?
Some of the benefits of using a SBI Rupay Credit Card are that you can earn rewards on your spending and redeem them for free fuel, train tickets, flight tickets, hotel bookings, gifts, and vouchers. You can also save on fuel expenses with fuel surcharge waiver and transaction fee waiver at BPCL outlets. You can also get annual fee waiver on meeting the spending criteria. You can also get complimentary travel insurance cover and lounge access at select airports in India. You can also link your card to any UPI app and enjoy interest-free credit period on your everyday needs. You can also get cards that are designed exclusively for defence personnel.
How can I apply for a SBI Rupay Credit Card?
You can apply for a SBI Rupay Credit Card online or offline. To apply online, you can visit the SBI Card website and fill out the online application form. You will need to upload your identity proof, address proof, income proof, and PAN card. To apply offline, you can call the SBI Card customer care number at 1860 180 1290 and request for a representative to visit you. You will need to provide your identity proof, address proof, income proof, and PAN card along with the application form.
What are the eligibility criteria for a SBI Rupay Credit Card?
The eligibility criteria for a SBI Rupay Credit Card vary depending on the type of card you choose. However, some common criteria are that you need to be at least 21 years old and have a good credit score. You also need to have a minimum income of Rs. 20,000 per month and be either salaried or self-employed. You also need to be an Indian national. If you are applying for a Shaurya card, you also need to be a serving or retired defence personnel from the Army, Navy, Air Force, Coast Guard, or Paramilitary Forces.
What are the fees and charges for a SBI Rupay Credit Card?
The fees and charges for a SBI Rupay Credit Card vary depending on the type of card you choose. However, some common fees and charges are that you need to pay a joining fee of Rs. 250 to Rs. 1499 + GST and a renewal fee of Rs. 250 to Rs. 1499 + GST. You also need to pay an interest rate of 3.35% per month on your outstanding balance. You also need to pay a cash advance fee of 2.5% of the amount withdrawn or Rs. 300, whichever is higher, if you withdraw cash from an ATM using your card. You also need to pay a late payment fee of Rs. 100 to Rs. 1300, depending on the total amount due, if you fail to pay your bill on time. You also need to pay an overlimit fee of 2.5% of the overlimit amount or Rs. 500, whichever is higher, if you exceed your credit limit. You also need to pay a cheque bounce fee of 2% of the cheque amount or Rs. 450, whichever is higher, if your cheque is returned due to insufficient funds. You also need to pay a foreign currency transaction fee of 3.5% of the transaction amount, if you use your card for transactions in foreign currencies.
How can I redeem my reward points on a SBI Rupay Credit Card?
You can redeem your reward points on a SBI Rupay Credit Card for free fuel at BPCL outlets or for a variety of gifts and vouchers from the SBI Card Rewards Catalogue. You can also use your reward points to pay your outstanding balance or redeem them for e-vouchers from Amazon, BookMyShow, Cleartrip, and more. You can redeem your reward points online through the SBI Card website or mobile app, or by calling the SBI Card customer care number at 1860 180 1290.
How can I check my balance and transactions on a SBI Rupay Credit Card?
You can check your balance and transactions on a SBI Rupay Credit Card online through the SBI Card website or mobile app, or by sending an SMS to 5676791 with the keyword BAL. You can also call the SBI Card customer care number at 1860 180 1290 and follow the IVR instructions. You will also receive monthly statements via email or post, which will show your balance and transactions.
