SBI Card CREDIT

SBI Card

SBI Card CREDIT is the most accessible credit card in India, designed to bring first-time credit card users into the formal financial system. With zero annual fee, zero joining fee, and a minimum income requirement of just ₹90,000 per annum (₹7,500 per month), the card is specifically designed for students, first-time jobbers, small business owners, and individuals in semi-urban India who are new to credit cards. The card's reward structure is deliberately simple: 0.25% value back on all spends with absolutely no category restrictions, caps, or conditions. Whether you spend ₹10 on a cup of chai or ₹10,000 on a flight ticket, you earn 0.25% cashback on every transaction. While this is lower than premium cards, it is still better than most entry-level cards that offer no rewards at all. The card functions primarily as a payment instrument rather than a rewards vehicle, making it ideal for individuals who want the convenience and security of credit without the pressure of optimising spending categories. The EMI conversion feature on purchases above ₹2,500 provides a gateway to affordable credit for large purchases. Contactless payment capability up to ₹20,000 per transaction enables quick, secure in-person payments at merchant outlets across India. The card is accepted at over 40 million merchant outlets through the Visa and Mastercard networks. The extremely low income eligibility of ₹90,000 per annum opens credit card access to a much wider segment of Indian society — including young professionals starting their careers, gig workers with seasonal incomes, and small shop owners who operate largely in cash. Source: SBI Card official website, updated May 2026.