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Best SBI Credit Card for Low Income
Last Updated : Dec. 8, 2020, 12:38 p.m.
SBI Credit Cards usually have a lot of offers and this is the reason why most individuals prefer it. On the other hand, there are some SBI Credit Cards that are available at a low annual and renewal fee and they are best for the people of low-income groups. You can easily apply for these credit cards and manage them easily if you have a low income. The annual and renewal fee of these cards will be around ₹499 plus taxes. So, you must explore the best SBI Credit Card for low-income groups and apply them as per your eligibility and requirement.
SBI Credit Card Offers and Fees for Low-Income Individuals
In the table given below, you can explore the various SBI credit cards and their features so that you can apply for it as per your needs.
| SBI Credit Cards | Fees | Offers and Features |
|---|---|---|
| SBI Tata Titanium Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Spend ₹2,000 within the first 60 days and earn 500 empower points. - Enjoy value back of 1.5% at Croma and 5% at Tata outlets. - Earn 3X rewards on the spending at departmental and grocery stores. - Spend ₹90,000 and waive off the annual fees. |
| SimplyCLICK SBI Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Earn 5X Reward Points on online transactions. - Enjoy 10X reward benefit from online partners such as Cleartrip, Amazon, Zoomcar, Lenskart, Bookmyshow, Foodpanda, and UrbanClap - Get an Amazon Gift Card of ₹500 on joining - Earn an E-voucher of ₹2000 on annual online spends of ₹1 to ₹2 Lakhs. - Get a fuel surcharge waiver on the transaction of ₹500 to ₹3,000 - Spend ₹1 lac in a year and get the annual fee reversed for next year. |
| SimplySAVE SBI Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Enjoy 10X Rewards on every ₹100 spent on Dining, Movies, Departmental Stores, and Groceries. - Spend ₹2,000 within 60 days and get an equal number of bonus points on your first spend. - Spend ₹90,000 and above the annual fees for the next year will be reversed. - Get a fuel surcharge waiver of 1% on the payment of ₹500 to ₹3,000. |
| Central SBI Select Credit Card | - Annual Fees- ₹750 - Renewal Fees- ₹750 per annum - Add-on Fees- NIL | - Enjoy a Central e-gift voucher worth ₹750. - Get 2 BookMyShow E-gift vouchers worth ₹250 each - Enjoy free coupons worth ₹500 for the first 3 months - Earn 10 Select Points on every ₹100 spent at any Central store. - Earn 5 Select Points on Dining & Movies on the transaction of every ₹100. - Get 1 Select Point per ₹100 spent on retail spends except for fuel expense. - Select Points are redeemable at the nearest Central Store. |
| SBI StyleUp Contactless Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Get a welcome FBB gift voucher of ₹500. - Enjoy 2,000 Bonus Reward Points every anniversary year - Get 10 Times reward points on the transactions at Big Bazaar, Standalone FBB, and Food Bazaar outlets, and dining expenses. - Enjoy 1 reward point on every ₹100 spent on all other purchases except fuel. - Enjoy a flat discount of 10% on all fashion apparel, accessories, school bags, backpacks & footwear at Fbb & Big Bazaar outlets. - Get a 1% fuel surcharge waiver on every transaction of ₹500 to ₹3,000. - It is one of the best SBI Credit Card for Low Income |
| Capital First SBI Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Get 2,000 bonus reward points on spending ₹2,000 within the first 60 days. - Enjoy 2000 bonus reward points as an anniversary gift from the second year. - Get 10 Reward Points on every ₹100 spent on Dining, Movies, and electronics. - Get 1 reward point on every ₹100 on all other purchases. |
| SimplyCLICK SBI Advantage Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Get a Gift Card worth ₹500 of Amazon on joining. - Earn 10 Times Reward Points on online spending at Amazon, BookMyShow, Zoomcar, Lenskart, Foodpanda, and Cleartrip. - Get 5X Reward Points on all other online spendings. - Get an E-voucher worth ₹2000 on annual online spending of ₹1 Lakh and ₹2 Lakhs each. - Enjoy a 1% fuel surcharge waiver at petrol pumps. |
| SimplySave SBI Advantage Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Earn 10 Reward Points per ₹100 spent on Dining, Departmental Stores, Movies, and Grocery purchases - Earn 1 reward point per ₹100 on all other purchases - Annual fees will be reversed on spends of ₹90,000 and above. - Get a 1% fuel surcharge waiver across all petrol pumps. |
| FBB SBI StyleUp Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Get a Gift Voucher worth ₹500 that will be redeemable on fashion at any Big Bazaar or FBB store. - Lifetime Discount of 10% on FBB merchandise. - Earn 10X Reward Points on the dining expenses. - Get 2.5% Value back on all spends at Big Bazaar, Food Bazaar, and FBB store. - 1% fuel surcharge waiver on transactions between ₹500 to ₹3,000 at petrol pumps. |
| IRCTC SBI Platinum Credit Card | - Annual Fees- ₹500 - Renewal Fees- ₹300 per annum - Add-on Fees- NIL | - Earn 10% value back as Reward Points for booking railway tickets in AC1, AC2, AC CC categories at the official website of IRCTC. - Enjoy 350 activation bonus Reward Points on spending ₹500 and more within 45 days from the date of card issuance. - Earn 1 reward point per ₹125 spent on other purchases except for fuel. - Get 1.8% transaction charges waiver on railway ticket bookings on IRCTC Official Website. - Redeem reward points to book train tickets where 1 reward point is equal to 1 rupee. - 1% fuel surcharge waiver at all petrol pumps. |
| Yatra SBI Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Get an instant discount of ₹1,000 on domestic flight bookings with a minimum transaction of ₹5,000. - Enjoy an instant discount of ₹4,000 on International Flight Bookings for a minimum transaction of ₹40,000 - Get 20% Off of up to ₹2000 on Domestic Hotel Bookings on a minimum transaction of ₹3,000. - Use the Promo Code ‘TRAVEL’ to avail of the travel benefits and it can be used a maximum of 6 times in a calendar year. - Enjoy access to MasterCard airport lounges in India. - Get Yatra vouchers worth ₹8,250 on the payment of the joining fee. - Get 6 reward points on every ₹100 spent on departmental stores, grocery, dining, movies, entertainment, and international spends - 1 reward point per ₹100 spent on all other categories. - Enjoy a 1% fuel surcharge waiver at all petrol pumps. - Get complimentary air accidental death cover of ₹50 lakh for Primary cardholder while booking ticket at Yatra. - Spend ₹90000 in a year and waive off your annual fees. |
| BPCL SBI Credit Card | - Annual Fees- ₹499 + GST - Renewal Fees- ₹499 + GST per annum - Add-on Fees- NIL | - Get 2000 bonus reward points as a welcome bonus on the payment of the joining fee. - 4.25% Value back and 13X reward points on fuel purchases. - Get 1 reward point for every ₹100 spent on all fuel and retail purchases. - 5X Reward points on every ₹100 spent at Groceries, Departmental stores, Movies & Dining. - Earn 5 Times Reward Points per ₹100 spent on standing instructions for Utility Bills payments. - Reward Points can be earned for a maximum spend of ₹10000 per month. - Redeem your reward points instantly at selected 1200 authorized BPCL retail outlets across India. |
| Apollo SBI Credit Card | - Annual Fees- ₹499 - Renewal Fees- ₹499 per annum - Add-on Fees- NIL | - Earn 500 reward points upon the payment of the joining fee. - Enjoy a complimentary Apollo Silver Tier Membership on this card. - Boost up reward point 3 times on every ₹100 spent on all Apollo services - Enjoy up to 10% discount e at selected Apollo services. - Spend ₹90000 and reverse the annual fees. - Get a fuel surcharge waiver of 1% on refilling vehicle at all petrol pumps in India. |
SBI Credit Card Eligibility Criteria and Documents Required for Low-Income Groups
- The Applicant for the above credit cards should be a citizen of India.
- The minimum age of the applicant must be 18 years to apply for the SBI credit cards .
- You should have a minimum Cibil Score of 750 and above to apply for the SBI Credit Cards.
- You should have a passport-sized photograph that has to be submitted to the bank.
- The Address proof can be any one of the following
- Passport
- Ration card
- Electricity bill
- Aadhar card
- The Identity Proof can be anyone of the following:-
- PAN Card
- Passport
- Aadhar Card
- You should have Income Proof:-
- Salary slips
- Certificate for the last 3 months
- Latest bank statement indicating salary credited for a minimum of 3 months
- Income tax return statement.
Conclusion
Well, you must have explored the Best SBI Credit Card for Low Income so you can apply for them easily. All the credit cards have exciting deals and offer that can help you to save some extra money from your regular expenses. So, even if you have a low income, you can apply for these SBI Cards because their annual fees are affordable. All these cards have an average annual and renewal fees of ₹499 to ₹750 and it is affordable by the people of low-income groups. On the other hand, you can easily manage these cards and repay their bills on time.