Credit Cards For The Modern Indian Lifestyle

Spending preferences are deeply personal, for modern Indian customers – some seek enriching experiences including travel, others value seamless shopping and smarter ways to manage everyday expenses. As customer expectations evolve towards convenience, flexibility, and value-driven experiences, credit cards have transformed beyond their traditional role as just payment instruments.

Today, credit cards unlock a world of possibilities, by offering a range of powerful features, including global acceptance, travel benefits, extended credit period, rewards, and much more. That is why choosing the right credit card can significantly complement individual lifestyles.

Here is a look at just a few of the top credit card options offered by India’s largest pure-play credit card player SBI Card, which help customers elevate their lifestyle.

AURUM

The AURUM is one of the most exclusive offerings by SBI Card. Cardholders enjoy indulgent stays and dining at Club Marriott Hotels across India and Asia Pacific, access to 1,000+ airport lounges worldwide with complimentary spa services at select Indian airports, and premium concierge services. The annual fee of ₹9,999 is reversed on achieving ₹12 lakh spends in the previous year. Additional benefits include complimentary movie tickets from BookMyShow worth up to ₹1,000 every month.

SBI Card ELITE

Designed for enthusiasts who value premium experiences and exclusive privileges, SBI Card ELITE cardholders can earn up to 50,000 bonus reward points annually upon achieving spends threshold, worth ₹12,500, along with 5X reward points on dining, departmental store, and grocery spends. The card also brings a host of lifestyle perks, including a welcome e-gift voucher worth ₹5,000, free movie tickets worth ₹6,000 every year, and complimentary fraud liability cover of up to ₹1 lakh. The SBI Card ELITE comes with an annual renewal fee of ₹4,999 plus applicable taxes.

SBI Card MILES ELITE

SBI Card MILES ELITE is the ultimate travel companion, combining luxury and functionality to elevate every trip beyond the ordinary. The credit card offers 5,000 travel credits as a welcome gift for an annual fee of ₹4,999. These credits can be redeemed for flights, hotels, and more, giving you a head start on your next trip. Enjoy Priority Pass membership, 8 complimentary domestic and 6 international lounge visits, plus a low forex markup of 1.99% for cost-efficient global travel. The card is also available in more variants, SBI Card MILES PRIME (₹2,999) and SBI Card MILES (₹1,499).

SimplyCLICK SBI Card

The SimplyCLICK SBI Card is designed for online shoppers seeking extra value on every spend. With a joining fee of ₹499 (plus taxes), it comes with a ₹500 Amazon.in gift card as a welcome benefit. Cardholders earn 10X reward points on partner brands like Apollo 24x7, BookMyShow, Swiggy, and Myntra, etc., and 5X points on other online purchases. Milestone rewards include travel vouchers worth ₹2,000 each on annual online spends of ₹1 lakh and ₹2 lakh.

SimplySAVE SBI Card

SimplySAVE SBI Card is an ideal choice for everyday spenders seeking consistent rewards across key lifestyle categories. Cardholders can earn 2,000 bonus reward points by spending ₹2,000 or more within the first 60 days of card issuance. Additional benefits include a 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 at petrol pumps across India. The annual and renewal fee of ₹499 plus taxes is reversed from the second year onwards, on achieving annual spends of ₹1 lakh in the previous year.

SBI Card PRIME

SBI Card PRIME is designed for customers seeking a balanced mix of shopping, dining, travel, and lifestyle benefits. Cardholders receive a welcome e-gift voucher worth ₹3,000. The annual renewal fee of ₹2,999 plus taxes is waived on annual spends of ₹3 lakh, while annual spends of ₹5 lakh unlock an e-gift voucher worth ₹7,000 from Yatra.com or Pantaloons. Additional privileges include 4 complimentary international Priority Pass lounge visits per year (Prime Pro cardholders receive a complimentary Priority Pass membership), 8 complimentary domestic lounge visits annually, and bonus birthday rewards with 20 reward points per ₹100 spent during the birthday period, capped at 2,000 reward points per calendar year.

Cashback SBI Card

Cashback SBI Card is designed for individuals who seek cashbacks and rewards on every purchase – be it online or offline. The Cashback SBI Card offers 5% cashback on online spends and 1% on offline spends, with no merchant restrictions. The card comes with a joining fee of ₹999 plus taxes, and an annual renewal fee of ₹999 from the second year onwards. However, the renewal fee is waived if annual spends cross ₹2,00,000 — making this card a smart choice for those who prefer straightforward cashback over rewards.

SBI Card Pulse

Designed for fitness-focused individuals, SBI Card Pulse complements an active lifestyle with wellness-led benefits. Cardholders receive a Noise ColorFit Pulse 4 Pro smartwatch worth ₹7,999 as a welcome gift, along with a one-year FITPASS PRO membership providing access to gyms and fitness studios nationwide, and a Netmeds First membership for pharmacy savings. The annual and renewal fee of ₹1,499 is waived on annual spends of ₹2 lakh, while annual retail spends of ₹4 lakh earn an e-voucher worth ₹1,500.

Note: The features of all the products are subject to Cardholders T&C. For more information log on to SBI Card website)

Make Smarter Choices for Your Lifestyle

As customer expectations continue to rise and evolve, credit cards have become an integral part of their lifestyle. Credit cards are now thoughtfully designed to fulfil specific customer needs - whether you’re looking for air miles, airport lounge access, cashback or reward points on popular brands, exclusive deals on dining, or savings on fuel, these credit cards combine comfort with value.

The need of the hour is for you to choose the card that elevates your lifestyle—making every transaction smarter and more rewarding