Over the years, credit cards have transformed from financial tools to essential lifestyle companions, offering substantial savings, exclusive rewards, and tailored benefits. Modern credit cards are no longer one-size-fits-all but customized to match users’ diverse needs. These cards cater to every aspect of a customer’s lifestyle, from cashback and rewards to travel perks and dining privileges. Unlock exclusive rewards and perks with SBI credit cards. From travel benefits to dining discounts, get more with every swipe.
SBI Card, one of India’s leading credit card issuers, offers various lifestyle and travel credit cards that provide unique benefits for shopping, dining, fuel, and travel enthusiasts. This guide explores the top 8 SBI lifestyle and travel credit cards and their key features, benefits, and fees.
SBI Aurum Credit Card
The Aurum by SBI Card is a super-premium credit card that offers exclusivity and luxury. This black metallic card symbolizes prestige and provides access to world-class privileges.
Key Features:
- Luxury Privileges: Complimentary luxury dining, travel benefits, golf rounds, and 24×7 concierge services.
- Unlimited Lounge Access: Enjoy unlimited international airport lounge access globally.
- Welcome Benefit: 40,000 reward points worth ₹10,000 on joining.
- Spends-Based Fee Waiver: The ₹9,999 annual fee (plus taxes) is waived if you spend ₹12 lakh in a membership year.
Ideal For: High-net-worth individuals (HNWIs) and frequent travelers looking for luxury experiences.
SBI MILES Credit Card
The SBI MILES Credit Card is tailored for frequent flyers and globetrotters. It allows users to convert travel credits into Air Miles or Hotel Points, offering enhanced rewards on travel bookings.
Key Features:
- Travel Credits: Up to ₹20,000 in travel credits on spending ₹12 lakh annually.
- Rewards: Earn 6 Travel Credits for every ₹200 spent on travel and 2 Travel Credits per ₹200 on other expenses.
- Lounge Access: Priority Pass membership with 8 domestic and 6 international lounge visits annually.
- Fee Variants:
- SBI Card MILES ELITE: ₹4999 annual fee + taxes
- SBI Card MILES PRIME: ₹2999 annual fee + taxes
- SBI Card MILES: ₹1499 annual fee + taxes
Ideal For: Frequent travelers, especially those seeking lounge access and travel credits.
CASHBACK SBI Card
If cashback is your priority, the CASHBACK SBI Card is perfect. It offers savings on every purchase, whether it’s online or offline.
Key Features:
- Cashback on Spends: 5% cashback on online purchases and 1% cashback on offline transactions.
- Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹3000.
- Fee Waiver: The ₹999 annual fee (plus taxes) is waived if you spend ₹2 lakh annually.
Ideal For: Shoppers looking for cashback on every purchase, especially online buyers.
SBI Card Elite
The SBI Card Elite caters to premium users seeking luxury benefits, high rewards, and premium privileges across multiple spending categories.
Key Features:
- Welcome Bonus: 50,000 bonus reward points worth ₹12,500 annually.
- Rewards: 5X reward points on dining, departmental store, and grocery spending; 2 points for every ₹100 spent on other categories (excluding fuel).
- Golf Benefits: 4 complimentary rounds of golf and 50% off on select courses.
- Travel Perks: Complimentary lounge access and travel concierge services.
Ideal For: High spenders and those who enjoy premium experiences in travel, dining, and shopping.
KrisFlyer SBI Card
The KrisFlyer SBI Card is a co-branded credit card in partnership with Singapore Airlines, which is ideal for frequent international travelers.
Key Features:
- Earn Miles: Up to 80,000 KrisFlyer miles annually.
- Milestone Benefits: Earn 3,000 KrisFlyer miles for annual spends of ₹3 lakh and 10,000 miles for spends of ₹5 lakh.
- Elite Status Upgrade: Achieve KrisFlyer Elite Silver with a spend of ₹2.5 lakh and KrisFlyer Elite Gold with ₹7.5 lakh on Singapore Airlines.
Ideal For: International travelers, especially frequent flyers on Singapore Airlines.
Titan SBI Card
The Titan SBI Card is a lifestyle credit card offering exclusive cashback on Titan group brands and luxury experiences.
Key Features:
- Cashback: 7.5% cashback on Titan non-jewelry brands and 5% cashback on Mia, Caratlane, and Zoya.
- Gift Vouchers: Receive Titan gift vouchers worth 3% of your Tanishq spends.
- Lounge Access: 8 domestic and 4 international lounge visits annually.
- Welcome Gift: 12,000 reward points upon joining.
Ideal For: Customers who shop frequently at Titan, Tanishq, and other lifestyle brands.
BPCL SBI Card Octane
If fuel expenses make up a significant portion of your monthly budget, the BPCL SBI Card Octane is the perfect solution.
Key Features:
- Fuel Benefits: 7.25% value back on fuel expenses.
- Rewards: Earn 6.25% accelerated rewards + 1% fuel surcharge waiver on transactions up to ₹4000.
- Other Benefits: Additional rewards on groceries, dining, and movie spending.
Ideal For: Commuters who frequently spend on fuel and want rewards for their purchases.
Reliance SBI PRIME Card
The Reliance SBI PRIME Card is designed for customers who frequently shop at Reliance outlets and seek value back on every purchase.
Key Features:
- Value Back: 2.5% value back at Reliance Retail stores.
- Rewards: Earn 10 reward points per ₹100 spent at participating Reliance stores and 5 reward points on dining and movie expenses.
Ideal For: Shoppers frequently visit Reliance Retail for groceries, fashion, and electronics.
How to Choose the Right SBI Card for Your Needs
Selecting the right SBI credit card depends on your lifestyle and spending habits. Here’s how you can choose the best card for you:
- For Travelers: Consider the KrisFlyer SBI Card or SBI MILES Credit Card for international and domestic travel benefits.
- For Shoppers: The Reliance SBI PRIME Card or Titan SBI Card offers excellent rewards for retail shopping.
- For Cashback Seekers: The CASHBACK SBI Card provides unbeatable cashback on all online and offline purchases.
- For Luxury Experiences, Get the SBI Card Elite or SBI Aurum Credit Card to access premium experiences.
- For Fuel Expenses: The BPCL SBI Card Octane is ideal for commuters who want to save on fuel costs.
Conclusion
SBI offers a wide range of lifestyle and travel credit cards designed to meet the needs of diverse customers. Each card has unique benefits, from cashback and travel rewards to exclusive dining and shopping offers. Whether you’re a frequent traveler, a daily commuter, or someone who loves to indulge in premium experiences, you have an SBI card.
By choosing the right card and using it responsibly, you can maximize your rewards and turn every swipe into a financially rewarding experience. Compare each card’s features, fees, and benefits to find the one that aligns with your lifestyle and financial goals.