Step 3: Click on 'Terms & conditions'.
Step 4: Choose 'Shop-and-Smile'.
Step 5: Click on 'Points Earned/Accumulated/Redeemed In The Program' and you will see the rewards points you can earn for every kind of transaction.
How to Redeem SBI Credit Card Reward Points
You can redeem your SBI credit card reward points through:
- The SBI website
- The SBI mobile app
How to Redeem SBI Credit Card Reward Points via the SBI Website
Step 1: First, log into the sbicard.com
Step 2: Select 'Rewards' and choose 'Redeem Rewards'
Step 3: Go through the Rewards Catalogue and select the items you want to buy
Step 4: Select 'Redeem now' and click on 'Confirm'.
How to Redeem SBI Credit Card Reward Points Through the SBI Mobile App
Step 1: Log into the to SBI mobile app.
Step 2: Select 'Rewards' on the left hand and choose 'Redeem Rewards'.
Step 3: Go through the Rewards Catalogue and choose the reward items that you want to buy.
Step 4: Choose 'Redeem' and then click 'Confirm'.
List of SBI Credit Cards Available with Rewards Benefits
Credit Cards | Reward Points Benefits |
SBI PRIME Card | - Get 10 reward points for every Rs.100 spent on dining, departmental stores, movies, and Groceries.
- Earn a Rs.1,000 Pizza Hut e-Voucher by spending Rs.50,000 in a calendar quarter.
- Waiver of renewal fees for spending up to Rs.3 lakh annually.
- Upon reaching yearly expenditures of Rs.5 lakh, Yatra.com/Pantaloons will provide an E-Gift Voucher of Rs.7,000.
- For every Rs.100 spent on Vistara flights, you will receive 9 Club Vistara points.
- Earn 20 Reward Points for every Rs.100 you spend on your birthday (the maximum number of Reward Points that can be earned from birthday purchases (the day before, the day of the birthday, and the day after) is 2000 every calendar year).
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OLA Money SBI Credit Card | - Earn 7% reward points on your Ola rides.
- Earn 1% reward points on other expenses.
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Apollo SBI Credit Card | - 3X Reward Points on every Rs.100 spent on all Apollo services.
- Get 500 Reward Points worth Rs.500 on payment of joining fee.
- Waiver of annual fees for spending Rs. 1,000,000 or more annually.
- Experience the freedom of not having to pay a 1% gasoline extra at any petrol station in India.
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SBI PRIME Advantage Credit Card | - Get 20 Reward Points for every Rs.100 spent on Utility Bills payments.
- Get 10 Reward Points for every Rs.100 spent on departmental stores, dining, movie, and grocery spends.
- A welcome e-gift voucher from any of the following brands, valued at Rs.3,000: Shoppers Stop, Pantaloons, Yatra.com, and Bata/Hush Puppies.
- Waiver of renewal fees for spending up to Rs.3 lakh annually.
- Upon reaching yearly expenditures of Rs.5 lakh, Yatra.com/Pantaloons will provide an E-Gift Voucher of Rs.7,000.
- For every Rs.100 spent on Vistara flights, you will receive 9 Club Vistara points.
Note: An individual can earn up to 3000 reward points per month. |
SBI Card ELITE | - Movie ticket worth Rs.6000 every year.
- Welcome e-gift voucher worth Rs.5000.
- On spendings on grocery, dinning, and departmental stores, offers 5X reward points.
- On all other spendings, offers 2 reward points.
- Offers 50,000 bonus reward points worth Rs12,500 every year.
- On achieving annual spendings of Rs.3 lakh and Rs.4 lakh, offers 10,000 bonus reward points.
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SBI Card PULSE | - Noise ColorFit Pulse 2 Max Smart Watch worth Rs. 5,999 as welcome gift after paying the joining fee.
- Complimentary Netmeds First Membership and FITPASS PRO Membership on card renewal to be received every year.
- 10X reward points on every Rs.100 spent on dinning, movies, pharmacy, and medicines.
- 2X reward points on all spendings on every Rs.100.
- Renewal fee waiver spending of Rs.2 lakh.
- On annual retail spends of Rs.4 lakh, offers e-voucher worth Rs.1,500.
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Doctor's SBI Card (in association with IMA) | - Offers Professional Indemnity Insurance Coverage worth Rs.20 lakh.
- Rs.1,500 e-gift voucher as welcome benefit from Yatra.com.
- 5Xreward point on medical supplies, international spends, and travel booking.
- On all spending on Doctor's Day, offers 5X reward points.
- On all other spendings worth Rs.100, offers 1X reward point.
- E-gift voucher worth Rs.5000 on annual spendings of Rs.5 lakh from Yatra.com, Shoppers Stop, and Bata.
- On annual spending of Rs.2 lakh, offers reversal of renewal fee.
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Doctor's SBI Card | - 5X reward points on travel booking, medical supplies, and international spends.
- 5X reward points on all spendings on 1 July, on the occasion of Doctor's Day.
- 1 reward point for every Rs.100 on other spendings.
- Reimburses all legal and defense expenses along with other similar costs.
- Voucher worth Rs.1,500 from Yatra.com as welcome e-gift.
- Gift voucher worth Rs.5000 from Yatra.com, Shoppers Stop, and Bata on annual spending of Rs.5 lakh.
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SBI Credit Card Rewards Catalogue
You can redeem your reward points earned on SBI credit cards form the SBI website on these categories:
- Accessories
- Apparel and superstore
- Books and periodicals
- Electronics
- Entertainment and dining
- E-voucher
- Health and fitness
- Homeware
- Kids Zone
You can visit, https://www.sbicard.com/en/personal/rewards.page and redeem your reward points.
Air Mile Conversion of SBI Credit Card Reward Points
For converting reward points to Air Miles, you can call the SBI credit card helpline at 1860 180 1290 or 39020202.
You will need to have a minimum of 10,000 Reward Points to convert your reward points into air miles for an Air India SBI Signature Card and you will need a minimum of 5,000 Reward Points to convert into air miles for an Air India Platinum Card. The air mile redemption will need be in multiples of 5,000. These will be converted within 7 working days from the date on which you request for the same.
Transactions that are not Eligible for Reward Points
You cannot earn reward points on these transactions:
- Cash withdrawal
- When you load your e-wallet
- Disputed transactions
- When you make a balance transfer
- Encash or Dial-a-draft facility
- For fuel purchases at petrol pumps or service stations
- When you make payment of financial charges like dishonoured cheque charges, and late payment charges.
Credit cards make payments easy for all expenses online and offline while offering various benefits
- What are the charges of redemption fee on SBI Card?
When you redeem reward points on your credit card, you will be charged a fee of Rs.99+ tax.
- Do the reward points accrued on my card expire?
Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.
- What are the different options by which the Reward Points can be redeemed?
You can redeem your reward points for gift cards, shop online, buy products from the bank's catalogue, or convert them to cash or air miles.
- Within what time will I get the items redeemed against the rewards points?
E-vouchers will be delivered within 5 calendar days and gifts will be delivered within 15 calendar days.
- How long will it take for me to get the items that have been redeemed against the credit card reward points?
Depending on the item, the time will vary and is mentioned as Gifts: 15 days and E-Vouchers: 5 days.
- What is the procedure to use the reward points to redeem cash?
In order to use the rewards points to redeem cash, you will need to contact the bank's customer care or send an email to sbicard.com/email.
- What is the process to redeem the reward points via SBI's mobile app?
The process to redeem the reward points via the bank's mobile app is mentioned below: Log in to the mobile app.Select 'Rewards'. Next, select 'Redeem Rewards'. Choose the reward items on the next page. Select 'Redeem' to complete the process.
- What is the process to redeem the reward points on the bank's website?
The process to redeem the reward points on the bank's website is mentioned below: Visit sbicard.com. Log in to your account. Select 'Rewards'. Next, select 'Redeem Rewards'. Choose the reward items on the next page. Select 'Redeem' to complete the process.
- Do the reward points accrued on my card expire?
Yes, the reward points that you earn will be valid for a period of 24 months from the date of the accrual. This is under the Shop & Smile Rewards Program.