SBI Rewards Structure and Redemption

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Get rewarded, all the way.

State Bank of India offers a variety of credit cards to cater to all requirements of the cardholder. SBI cards are categorised as premium, shopping and travel cards, classic and exclusive cards. All the cards offer unique reward points. These reward points can be redeemed for cashback, gift vouchers, and purchasing products from the rewards catalogue.

The reward points on SBI Credit Cards can be redeemed online as well as offline. Through this article, let us take you through the process and frequently asked questions for all SBI credit cards.

How to Earn Reward Points on SBI Credit Card?

You get rewarded for every rupee you spend using the SBI Credit Card. With some credit cards, you can get accelerated reward points for expenditure on movies, dining, and groceries. The reward points can be redeemed later for gift vouchers or buying products available in the rewards catalogue. The table below describes the reward points earned on different credit cards.

Credit CardReward Points
SBI SimplySAVE Credit Card– 1 reward point for every INR 100 spent.
– 10 reward points for every INR 100 spent on dining, movies, and groceries
IRCTC SBI Platinum Card– 1 reward point for every INR 125 spent
SBI Elite Credit Card– 2 reward points for every INR 100 spent
– 10 reward points for every INR 100 spent on dining, movies, and groceries
SBI Prime Credit Card– 2 reward points for every INR 100 spent
– 10 reward points for every INR 100 spent on dining, movies, and groceries
– 20 reward points for every INR 100 spent on utility bill payments
fbb SBI STYLEUP Credit Card– 1 reward point for every INR 100 spent
– 10 reward points on dining expenditure and transactions made at Big Bazaar and Food Bazaar outlets
SBI SimplyCLICK Credit Card– 1 reward point for every INR 100 spent
– 5 reward points for every INR 100 spent on online transactions
– 10 reward points for every INR 100 spent on online partnered stores
Mumbai Metro SBI Credit Card– 1 reward point for every INR 100 spent
– 10 reward points for every INR 100 spent on dining, movies, and grocery
Yatra SBI Credit Card– 1 reward point for every INR 100 spent
– 6 reward points for every INR 100 spent on movies, dining, groceries, and International expenditure
SBI Unnati Credit Card– 1 reward point for every INR 100 spent

How to Redeem Reward Points on SBI Credit Card?

The accumulated reward points on SBI Credit Cards can be redeemed through the SBI Mobile App, NetBanking, or by contacting the Customer Service.

SBI NetBanking

  • Login to your SBI Netbanking account
  • In the ‘Rewards’ section, click on ‘Redeem Rewards’.
  • Check the products available in the Rewards Catalogue and select any product of your choice.
  • Click on ‘Redeem Now’ and confirm.

SBI Mobile App

  • Login to SBI Mobile App.
  • In the ‘Rewards’ section, click on ‘Redeem Rewards’.
  • Check the products available in the Rewards Catalogue and select any product of your choice.
  • Click on ‘Redeem Now’ and confirm.

Customer Service

  • If you do not wish to buy any product, you can also redeem your reward points for cash.
  • You can write an email to sbicard.com/email or you can also give a call on 1860 180 1290 to get in touch with the customer care of SBI Bank Credit Card.

Frequently Asked Questions (FAQs)

How much time does it take to deliver the reward products?

The e-vouchers redeemed are delivered between 3-10 working days. The selected products from the rewards catalogue are delivered within 15-30 days of receipt request.

What is the validity of reward points on SBI Credit Card?

The reward points accumulated on SBI Credit Card are valid for 2 years.

Can I pay my SBI Card outstanding using my reward points?

Yes, you can redeem your reward points for cash and use it to pay your credit card outstanding amount.

How can I check my reward points summary?

  • You can give a missed call to 8422845514 from your registered mobile number.
  • You can type REWARDS (space) last 4 digits of your card number and send it to 5676791 from your registered mobile number.
  • You can also login to SBI Netbanking account or mobile app to check the reward points summary.

Can I transfer the reward points from one card account to another?

No, you cannot transfer your reward points from one card account to another. The reward points can be redeemed only on SBI Card on which they have been earned.

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