How to Apply SBI Bank Credit Card Online. Know Eligibility check online, Late fee charges for State Bank Of India Credit card www.sbicard.com
SBI stands for “State Bank of India”. It is one of the popular which offers Debit card and Credit card services in India. The decades they are giving trustworthy services to their customers. There numerous benefits with reasonable interests in credit cards.
Apply SBI Bank Credit Card Online & Eligibility Criteria
Hundreds of shopping offers, entertainment benefits, lifestyle offers, ticket booking offers, and more. The needs are plenty but credit card makes all true.
There are many credit cards offered by the State Bank of India. The following are some of the Credit cards offer by the State Bank of India.
SBI Credit Cards Types
- SBI Shopping Credit Card
- Lite Time Free card
- Business card
- SBI entertainment card
- Lifestyle card
- SBI Rewards card
- Cashback Credit card
- Travel card
Each card has its own benefits. The customer can choose the perfect credit card for their purpose. But every card will satisfy the own needs.
SBI Credit Card Eligibility Check Online
Although each card has its own eligibility, the following are the common eligibility for every credit card from SBI bank.
| Card | SBI Credit Card |
| Age | Above 21 years old |
| Income per month | Rs. 18,000 |
| Employment type | Self-employed or Salaried |
| Credit history | Good credit history |
| Credit score | Above 700 |
SBI Credit Card Eligibility Criteria
The applicant must meet the following requirements to get a Credit card;
- The age of the applicant should be above 21 years old.
- The income of the applicant should be above Rs. 18,000 INR per month.
- He/she can be salaried or self-employed.
- He/ She should have a good credit history and proof.
- The credit score of the applicant should be above 750 points.
If the above requirements are met, then the applicant can get the credit card according to the conditions.
How to Apply for Credit card for New Customers in Online
If you are a new customer? Follow the below-given process to apply for the SBI credit card online;
- Visit the SBI official website at www.sbi.com.
- Go to the Credit cards page on the website.
- Select the credit card.
- Enter your personal details and contact details on the page.
- Fill the application form.
- Check your application form before submitting it.
- Click on Submit to submit the application form.
- Your application form will go under verification and after that, the representative will contact you.
- The applicant needs to give the additional document for KYC.
- After the verification, you will get the credit card according to income and credit score.
The credit card will be sent through post. It will take 7 to 10 days of time for delivery.
How to Apply for a Credit card for Existing Customers Online
If you are an existing customer? Follow the below given process to apply for the SBI credit card online;
- Visit the SBI official website at www.sbi.com.
- Log in to the net banking using your login credentials.
- Go to the Credit cards section.
- Enter your personal details and contact details on the page.
- Fill the application form.
- Check your application form before submitting it.
- Click on Submit to submit the application form.
- Your application form will go under verification and after that, the representative will contact you.
- The applicant needs to give the additional document for KYC.
- After the verification, you will get the credit card according to income and credit score.
The credit card will be sent through post. It will take 7 to 10 days of time for delivery.
Required Documents to Apply for SBI Credit Card Online
The following are some of the documents that are to be submitted in the SBI credit card application process;
- Aadhaar card
- Income proof
- Residency proof
- Bank statements
- Credit report
- PAN Card
- Passport size photo of the applicant
- Bank passbook
Late Fee Charges
The bill will be generated at a certain date of the month you have taken. Please go through the manual of the credit card to know your credit card bill generation date. If the credit due date is exceeded then the charges will as follows;
| Statement Balance/Spend | Due Charges (Rs) |
| Rs. 200 or below | Nil |
| Between Rs. 200 to Rs. 500 | 100/- |
| Between Rs. 500 to Rs. 1000 | 400/- |
| Between Rs. 1000 to Rs. 10,000 | 500/- |
| Rs. 10,001 and above | 750/- |
Frequently Asked Questions
What is the late fee for SBI credit card?
If the account holder does not make payment of the minimum amount he/she will be charged a Late Payment Charge of Rs 750 for greater than Rs 1000 and up to Rs 10,000.
What is the grace period for SBI credit card?
The grace period offered by the SBI can range from 20 to 50 days and it will depend on the type of credit card you hold.
Which SBI credit card is best for low income?
SimpleCLICK SBI Card and SimplySAVE SBI Card is best low income credit card which is category of Online and daily shopping.
How many days after due date is payment considered late?
Late payments to the credit bureau and added to your credit report at least 30 days after the payment due date.