Best SBI Exclusive Credit Cards in India

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Credit cards are plastic cash cards that have become a source of identification as well as a status symbol nowadays as this card helps the card holder pay for their expenses at any desired time. The State Bank of India offers a wide range of credit cards that suits all classes of people, depending on their utility and requirement. The gamut includes premium cards, travel & shopping cards, classic cards, corporate cards and exclusive cards.

Best SBI Exclusive Credit Cards in India

SBI Card

SBI Exclusive Credit Cards come in 12 different categories of cards that serve their respective utility. The various SBI Exclusive Credit Cards and the features are as given below:

1. Tata Cards

Tata Premium and Classic Cards designed for Tata employees and users of Tata products provide immense benefits when used in Tata Enterprises and its partner outlets. It also gives complete fuel freedom from the 2.5 % fuel surcharge across all petrol pumps. Features such as worldwide acceptance, Flexipay, cash on the go, and 0% fuel surcharge are other prominent features.

2. BMB Platinum Credit Card

Bharatiya Mahila Bank Platinum Credit Card is a global cash card with cash withdrawal facility across the world. It provides True lifestyle, True value and True lounge access at any luxury airport lounges, easy bill pay facility, online railway and air bookings etc. The card comes with various other power packed features and benefits.

3. BMB Gold and More Credit Cards

The BMB Gold and More Credit cards have the same features as the BMB Platinum credit card, which include complete fuel freedom, and attractive welcome offers. The cash points earned at various outlets can be used to pay the outstanding balance or can be redeemed at the array of redeemable catalogues.

4. Bank of Maharashtra SBI Platinum Credit Card

With this card, the card holder can earn whopping 10 cash points for every Rs.100 spent on dining, departmental and international spends. It also provides complimentary access to priority pass program which is beneficial at various luxury accesses.

5. Bank of Maharashtra SBI Card

This credit card comes with 2.5% value back on all departmental and grocery spends, 2.5% fuel surcharge freedom and many more benefits and features.

6. Oriental Bank of Commerce SBI Platinum Credit Card

This has all the typical benefits and features of an SBI platinum card, with more rewards such as full fare free one way domestic air ticket or apparel vouchers worth Rs.3,000 on spends above Rs. 4 Lakh per year.

7. Oriental Bank of Commerce SBI Card

The Oriental Bank of Commerce comes together with SBI to provide this credit card service, which offers various benefits such as cash points, value back offers, welcome offers and freedom from fuel surcharge etc.

8. Karur Vysya Bank, SBI Platinum Card and

9. Karur Vysya Bank SBI Card

The Karur Vysya Bank SBI Platinum card offers all the benefits of a platinum card, whereas the Karur Vysya Bank SBI card provides the basic credit card facilities.

10. SBI Maruti Card

SBI Maruti Card has benefits such as auto points at various spend levels, huge auto points on Maruti exchange and on referrals, complimentary on-road service assistance, fuel surcharge waivers and huge discounts on Maruti accessories.

 11. SBI Dena Bank Secured Card

A no income proof and a low interest SBI Dena Bank Secured Card can be obtained on the basis of a fixed deposit of Rs. 30,000 in Dena Bank. This comes with the convenience of extended credit facility with a very low rate of interest at 1.99% per month.

 12. SBI UBI Card

The SBI United Bank of India card comes with benefits and reward programme that makes shopping on SBI UBI co-branded card even better. The SBI UBI Gold and silver card has its own packed benefits and features.

All the major platinum cards come with a joining fee of Rs. 2999 to Rs.5000 and an annual fee, while the other cards have a joining fee of Rs. 250 to Rs. 500, depending on the rewards. Each card has its own benefits and features; hence, explore the hidden charges as well before applying for the respective card.

Cash back cards in India: ‘Earn while you spend’

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Have you ever heard that you’ll get money for your spending? Or you’ll be paid more as you are going to spend more?

Irony? Isn’t it?

But, it’s true. As you’ll purchase more from your credit card, you’ll be paid more as cash back by the service provider. Whether it be a retail shopping, groceries, fuel, movie tickets, travel expenses and many more, the service provider i.e. your financial institution that have provided you with a credit card will pay you some amount of money from your expenses as a cash back. Isn’t it surprising?

So, now ‘Earn while you spend’ through your credit cards. Let’s discuss some top 10 credit cards offering cash back facility to their customers. Take a look below:

Citi Bank Cash back credit card: Citi bank is one of the renowned bank having its branches in India. And having its credit card is one among the difficult tasks as per its stringent and high end eligibility criteria. But, if you have its credit card then, you are going to definitely avail the following cash back facilities like:

If you are going to purchase movie tickets using Citi Bank cash back credit card, then you’ll get a cash back of 5% on the amount of bill you have paid.

If you are going to pay telephone bill using Citi Bank cash back credit card, then you’ll get a cash back of 5% on the amount of bill you have paid.

If you are going to pay utility bills through online using Citi Bank cash back credit card, then you’ll get a cash back of 5% on the amount of bill you have paid.

Standard Chartered Titanium card/Standard chartered Bajaj Allianz card: Standard chartered as laid its branches in India with a huge acquisition of market share and customer focus. It also gives a cash back offers and utility for its customers, who are using Standard chartered Titanium card for their purchases and bill payments. Let’s take a look at its cash back facilities:

If you are going to fill petrol in your vehicle using Standard Chartered Titanium Card, then you’ll get 5% cash back in all petrol pumps.

If you are going to pay all your telecom bills of any telecom provider, you’ll be entitled to 5% cash back on the amount you have paid using your Standard chartered titanium card.

For all other retail transactions, you’ll get 1% cash back.

SBI Gold card: SBI is the top public sector bank in India with renowned name and fame. Providing you with world class benefits, SBI also provides you with SBI gold card which gives you a facility of cash back:

If you are making purchases from departmental stores and groceries, then you’ll be entitled to 2% cash back.

If you are going to pay utility bills through online using SBI cash back credit card, then you’ll get a cash back of 2% on the amount of bill you have paid.

ICICI Bank Travel smart card: ICICI Bank is one of the top 3 private sector banks offering promised services to its customers. It has also stepped in as one of the main service providers for credit card. It has a cash back credit card called as ICICI bank travel smart card which gives cash back on the following transactions:

If you are booking any domestic or international flight travel from makemytrip.com, then you’ll be entitled to 10% of cash back on the base fare amount.

HDFC Bank value plus credit card: HDFC Bank is one of the top 3 private sector banks and offers very competitive services and products to its customers. One of its products is cash back credit cards. Let’s find out what it offers in this:

If you are spending on any retail outlets and products, you’ll get up to 5% cash back.

If you are spending for railways, hospitals, medical stores, then you’ll get a 5% cash back.

If you are spending in any departmental stores, supermarkets, restaurants, then you’ll get 1.50% as a cash back.

For all other retail spending, you’ll get 0.50% as a cash back.

If you are spending for fuel at Bharat petroleum pumps, then you’ll be entitled to 2.5% of cash back.

HDFC Bank Women’s Gold credit card: HDFC Bank has also come up with a special card for women. Let’s find out its cash back facilities:

On your all monthly household purchases, you’ll get 5% cash back.

On getting your vehicle filled with fuel, you’ll be entitled to 2.5% of cash back.

American Express Gold credit card: American Express Bank is specialized in credit cards and one of its specialty is American Express Gold credit card which gives you cash back facility:

On each of your spending through American Express Gold credit card, you’ll get 2% cash back.

ABN AMRO Titanium one card: ABN AMRO is a Dutch bank which have laid its roots in India by providing all round services in banking. Its cash back credit card offers variety of cash back facilities. Let’s discuss them:

For the spending between 5001 – 10000 INR, you’ll get a cash back of 1%

For the spending of more than 10000 INR, you’ll get a cash back of 1.5%

For the spending in utility bill payments, you’ll get a cash back of 2%

For the spending in International retail, you’ll get a cash back of 1%

For the spending in International cash, you’ll get a cash back of 1%

For the spending in Interest, you’ll get a cash back of 5%

ABN AMRO one card: There is one more cash back credit card offered by ABN AMRO Bank and i.e. ABN AMRO one card. Let’s discuss its cash back features:

For the spending up to INR 5000, you’ll get a cash back of 1%

For the spending between 5001 – 10000 INR, you’ll get a cash back of 1.5%

For the spending of more than 10000 INR, you’ll get a cash back of 2%

For the spending in utility bill payments, you’ll get a cash back of 2%

For the spending in International retail, you’ll get a cash back of 1%

For the spending in International cash, you’ll get a cash back of 1%

For the spending in Interest, you’ll get a cash back of 1%

Note: All the rates provided above are subject to change. Individuals need to check it from time to time.

Therefore, these are the offers made by different banks on their cash back credit cards. Now, grab one and get the cash back for your every spending. Go shopping!