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SBI RuPay Credit Cards

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RuPay, a card network of India, is accepted across the world for all types of transactions, including ATM, online and POS payments. Moreover, unlike other networks, like Visa and Mastercard, RuPay credit cards also offer UPI integration. SBI Card offers several RuPay credit card variants which reward the card users on all their spends, including UPI, in the form of reward points or cashback. Read on to know more about SBI RuPay Credit Cards, along with their features and benefits, and know how to apply for the best-suited one.

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Updated: 25-04-2025 13:30:02 PM

Best SBI RuPay Credit Cards in India 2025

Given below is the list of top SBI RuPay Credit Cards with their features and benefits to help you compare and choose the most suitable card option:

Yatra SBI Card

yatra-sbi-credit-card
3.5/5

Joining fee: ₹499

Annual/Renewal Fee: ₹499

Yatra.com vouchers worth Rs. 8,250 as joining benefit

Up to Rs. 4,000 off on flight bookings through Yatra.com

Travel
Co-branded
Reward Points
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Product Details

  • Rs. 1,000 off on domestic flight bookings on a minimum transaction of Rs. 5,000 at Yatra
  • Rs. 4,000 off on international flight bookings on a minimum transaction of Rs. 40,000 at Yatra
  • 20% off on domestic hotel bookings on a minimum transaction value of Rs. 3,000 at Yatra
  • 6 reward points per Rs. 100 spent on departmental stores, grocery, dining, movies, entertainment & international spends
  • 1 reward point per Rs. 100 spent on other categories
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Reliance SBI Card PRIME

reliance-sbi-card-prime
3.5/5

Joining fee: ₹2999

Annual/Renewal Fee: ₹2999

10 Reward Points per Rs. 100 spent at Reliance Retail Stores

Reliance Retail vouchers of up to Rs. 14,999 on joining

Shopping
Co-branded
Reward Points
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Product Details

  • 5 Reward Points per Rs. 100 spent on dining, movies/entertainment, domestic airlines and international spends
  • 2 Reward Points per Rs. 100 spent on other retail spends; 1 Reward Point = Rs. 0.25 for Reliance Retail vouchers
  • Reliance Retail vouchers of up to Rs. 8,750 on up to Rs. 3 lakh annual spends made at select Reliance Retail Stores
  • 8 complimentary visits to domestic and 4 to international airport lounges every year, up to 2 per quarter each
  • 1 free movie ticket a month of up to Rs. 250 & discount offers at select Reliance Retail stores
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Reliance SBI Card

reliance-sbi-credit-cards
3/5

Joining fee: ₹500

Annual/Renewal Fee: ₹500

Multi-brand benefits

Accelerated rewards on dining and movies

Shopping
Co-branded
Reward Points
Check Eligibility

Product Details

  • 5 reward points for every Rs. 100 spent on the participating Reliance Retail Stores
  • 5 reward points for every Rs. 100 spent on Dining & Movies
  • 1 reward point for every Rs. 100 spent on other retail purchases
  • Value of 1 reward point = Rs. 0.25
  • Reliance Retail Voucher worth of Rs. 500 on card activation. Plus, additional benefits of Rs. 3,200
  • 5% cashback, up to Rs. 250 per month on Jio Mart spends
  • 1 RelianceOne point per Rs. 200 on offline spends made on groceries and additional 1 RelianceOne point per Rs. 200 spent on Fashion Factory.
  • Reliance Retail Voucher worth Rs. 500 on annual spends of Rs. 25,000, worth Rs. 750 on annual Spends of Rs. 50,000 and Rs. 1,000 on annual spends of Rs. 80,000.
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Shaurya Select SBI Card

shaurya-select-sbi-credit-card
3/5

Joining fee: ₹0

Annual/Renewal Fee: ₹1499

5X rewards on dining, movies, grocery and CSD spends

Pizza Hut voucher worth Rs. 500 on quarterly spends of Rs. 50,000 or more

Reward Points
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Product Details

  • e-Gift Voucher worth Rs. 7,000 from Yatra or Pantaloons on annual spends of Rs. 5 Lakh or more
  • 4 complimentary domestic lounge visits every year
  • Embossing of service branch- ARMY, NAVY, AIRFORCE or PARAMILITARY- on the card
  • Renewal fee waiver on reaching annual spends of Rs. 1.5 Lakh or more
  • Complimentary Personal Accident Insurance Cover up to Rs. 10 Lakh
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Shaurya SBI Card

shaurya-sbi-credit-card
3/5

Joining fee: ₹250

Annual/Renewal Fee: ₹250

Up to 5X reward points on every card spend

1,000 reward points as joining bonus

Reward Points
Check Eligibility

Product Details

  • 5X reward points on CSD, movies, dining, grocery, & departmental store spends
  • 1 reward point per Rs. 100 spent on other category spends; 1 reward point = Rs. 0.25
  • Renewal fee waived off on reaching Rs. 50,000 annual spends
  • 1% fuel surcharge waiver of up to Rs. 100 per month on fuel spends of Rs. 500 to Rs. 3,000
  • Personal accidental insurance coverage worth Rs. 2 lakh
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On this page:
Advantages of SBI RuPay Credit Cards
Fees and Charges of SBI RuPay Cards
Eligibility Criteria to Apply for the SBI Rupay Credit Cards
How to Get an SBI Rupay Credit Card?
FAQs

Advantages of SBI RuPay Credit Cards

SBI Rupay cards come with the following advantages for the cardholders:

  • UPI Integration: You can seamlessly link your SBI RuPay credit card to any of the UPI apps to make instant online UPI payments using your SBI credit cards.
  • Rewards on Card Spends: SBI RuPay credit cards offer reward points as well as cashback across spending categories, like travel, shopping, dining, UPI, movies and many more.
  • Global Acceptance: Though RuPay is an Indian card network with an extensive domestic acceptance, RuPay cards are also accepted worldwide.
  • Secure Transactions: Since RuPay network is backed by NPCI, SBI RuPay cards are known to be quite reliable and secure.

Also Check: Best Rewards Credit Cards

Fees and Charges of SBI RuPay Cards

Here are some of the SBI RuPay Credit Card charges that you must keep in mind:

Fees & Charges Amount Details
Joining/Annual Fee Varies as per the SBI RuPay card variant
Finance Charges 3.75% p.m. or 45% p.a.
(2.75% p.m. or 33% p.a. for SBI Shaurya, Defence and Secured cards)
Cash Withdrawal Charges 2.5% of transaction amount, subject to a min. of Rs. 500
Forex Mark-up Fee 3.5% for all SBI RuPay credit cards
Late Payment Fees On outstanding amount of –
Up to Rs. 500: Nil
Above Rs. 500 to Rs. 1,000: Rs. 400
Above Rs. 1,000 to Rs. 10,000: Rs. 750
Above Rs. 10,000 to Rs. 25,000: Rs. 950
Above Rs. 25,000 to Rs. 50,000: Rs. 1,100
Above Rs. 50,000: Rs. 1,300

Note: Click here for the detailed SBI RuPay Credit Card fees and charges, along with other terms and conditions.

Eligibility Criteria to Apply for the SBI Rupay Credit Cards

Eligibility criteria for SBI RuPay credit cards is dependent on multiple factors based on SBI Card’s internal policies. Some of the basic criteria for the applicants are as follows:

  • Occupation: Salaried or Self-employed
  • Minimum Age: 21 years for salaried, above 25 years for self-employed, and above 40 years for retired pensioner 
  • Maximum Age: 70 years
  • Documents Required: You are generally asked to present proofs of identity, address and income. Click here for the detailed list of documents.

Other criteria can include a regular source of income, high credit score, good credit history, etc.

Suggested Read: Credit Card Interest Rates

How to Get an SBI Rupay Credit Card?

Given below are the steps on how to apply for SBI RuPay credit cards online:

Step 1: Register Your Mobile Number
You can apply for select SBI RuPay cards via Paisabazaar by entering your mobile number in the form available on this page.

Step 2: Check Available Credit Card Offers
Provide the OTP sent to your mobile number for verification to view the card offers.

Step 3: Select The Preferred SBI RuPay Card
Compare the credit card offers and pick the one that you wish to apply for.

Step 4: Complete the Application Process
After choosing the card option, complete the SBI RuPay credit card application process by providing the necessary details and the required documents.

You can also visit the official SBI Card website or the nearest SBI Card branch to apply for any of the SBI RuPay credit cards.

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FAQs

Which SBI cards are available on the RuPay network?
There are six SBI RuPay credit cards available for you. This list includes co-branded cards like Yatra SBI Card, Reliance SBI Card Prime, Reliance SBI Card, and IRCTC SBI RuPay Credit Card, along with non-cobranded cards like Shaurya and Shaurya Select SBI credit cards.

Can I save on UPI payments by using SBI RuPay credit cards?
Yes, all SBI RuPay cards offer value-back in the form of reward points or cashback on UPI transactions. However, the savings value varies as per the card variant.

What are different types of RuPay credit cards?
RuPay credit cards can be categorised under 3 types, namely RuPay Classic, RuPay Platinum and RuPay Select.

How to check the SBI RuPay credit card application status?
You can track your SBI RuPay card’s application status online through the official SBI Card website by entering your application reference number.

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