Shopping makes a major part of our monthly spends. From groceries and home essentials to apparel and accessories, we spend a considerable amount on shopping. To help shoppers save on these expenses, SBI Card offers several shopping credit cards. These cards are highly rewarding and offer benefits in the form of cashback, discounts or reward points, every time you swipe your card or use it online. Cardholders can avail benefits on shopping across offline stores and online merchants. While some of these cards offer value-back on shopping across all categories, others offer co-branded benefits around top brands like Lifestyle, Nature’s Basket, etc.
To help you find the right card amongst these, we have listed down the features and benefits of top Shopping Credit Cards from SBI, with other details. As per your spending patterns and lifestyle habits, you can apply for the best SBI credit card online .
SBI Credit Cards with All-rounder Shopping Benefits
1. Cashback SBI Credit Card
Joining Fee: Nil
Annual Fee: Rs. 999
This credit card is among the latest additions to the cashback credit card category and can be counted as one of the best online shopping credit cards. The card offers highest cashback on online transactions. The USP of this card is that there are no merchant restrictions, thus all online transactions are eligible for earning cashback. Some key features of this card include:
· 5% cashback on all online transactions
· 1% cashback on all offline transactions and utility bill payments
· 4 complimentary domestic lounge access in a year
· 1% fuel surcharge waiver across all petrol pumps in India
This card can be a good option for you, if you do not have any brand or merchant preferences while shopping online.
2. SBI Simply Click Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499
SBI Simply Click Credit Card, is another online shopping card by SBI Card that offers rewards on all online transactions. The card offers up to 10X reward points, however, in comparison to Cashback SBI Card, the range of rewards vary across selected brands.
· 10 reward points per Rs. 100 spent on online purchases across Apollo 24X7/ BookMyShow/Cleartrip/EazyDiner/Lenskart/Netmeds
· 5 reward points per Rs. 100 on all other online purchases
· 1 reward point per Rs. 100 on other categories
· Complimentary ClearTrip e-gift vouchers on achieving milestone benefits
· Welcome benefit worth Rs. 500 on payment of joining fee
You can consider getting the SBI Simply Click Credit Card, if you don't want to pay a high annual fee but are looking for a card with good rewards on online shopping, and inclined benefits towards associated brands. The best part about getting this card is that the joining fee you pay is adjusted via an e-gift card worth Rs. 500.
Also Read : India's e-retail market may reach $150-170 billion by 2027
3. SBI Simply Save Credit Card
Joining Fee: Rs. 499
Annual Fee: Rs. 499
SBI Simply Save Credit Card is a suitable entry-level credit card for offline shopping. Unlike most credit cards that offer benefits on selected brands, this card offers higher rewards on selected categories like grocery, dining, movies and departmental stores.
· 10 reward points for every Rs.150 spent on dining, movies, groceries and departmental stores
· 1 reward point for every Rs. 150 spent on other categories
· 2,000 bonus reward points as card activation benefit on spending Rs. 2,000 within 60 days of card issuance
· 1% fuel surcharge waiver across all petrol pumps in India
· Annual fee reversal on spending Rs. 1 Lakh or above in the previous year
This credit card can be a good option for you if you majorly use your credit card for grocery shopping and departmental store purchases. That way, you can maximize the benefits and save on paying the annual fee, if you reach the milestone of Rs. 1 Lakh a year.
SBI Credit Cards with co-branded Shopping Benefits
4. Nature’s Basket SBI card Elite
Joining Fee: Rs. 4,999
Annual Fee: Rs. 4,999
Another grocery shopping card in this list is the SBI Nature’s Basket Elite Credit Card. If your credit card spends are inclined toward grocery shopping, then you can consider opting for this card. SBI Card has launched this card in collaboration with Nature’s Basket- a premium grocery supermarket in India. With this card, you can avail reward points on both offline and online purchases at Nature’s Basket.
· Card activation benefit worth Rs. 4,999 and access to Nature’s Basket ‘Connoisseur’ loyalty program.
· 20 reward points on every Rs. 100 spent at Nature’s Basket
· 10 reward points on every Rs. 100 spent at dining, travel, entertainment & movies
· 2 reward points on every Rs. 100 spent at other categories
· Annual fee waiver & milestone benefits via e-gift voucher worth Rs. 3,000
· Complimentary domestic & international lounge access
· Complimentary movie tickets worth Rs. 6,000 every year
Nature’s Basket Elite Credit card can be a good choice if you can afford paying an annual fee of Rs. 4,999 a year. The benefits can be best utilized if you already are a Nature’s Basket loyalist for grocery shopping, or if you don’t mind becoming one and shifting from your preferred grocery shopping brand. Additionally, you must note that, the benefits offered on this card are extended to other categories as well, thus, the card can serve well as an all rounder card, while sticking to inclined benefits towards grocery shopping.
5. Lifestyle Home center SBI Card Prime
Joining Fee: Rs. 2,999
Annual Fee: Rs. 2,999
If you frequently shop at Lifestyle, Home Center, and other Landmark Stores like Spar and Max, then this card could best serve your shopping needs. With this card, you earn rewards for both online and offline shopping at these brands, and for all retail, dining and movie spends.
· Card activation benefit worth Rs. 3,000
· 15 reward points for every Rs. 100 spent at online & retail Landmark stores
· 10 reward points for every Rs. 100 spent at dining & movies
· 2 reward points for every Rs. 100 spent on other retail purchases
· Up to 58,000 cumulative reward points as milestone benefits (worth Rs. 14,500)
· Complimentary domestic lounge access & Priority Pass memberships
At an annual fee of Rs. 2,999, Lifestyle Home Center SBI card Prime justifies the benefits it offers by offering equivalent value back via activation benefits, and higher reward value via milestone benefits. Similar to all co-branded cards, this card can be a good fit, only if you spend the most at the associated brands.
These were some of the credit cards offered by SBI Card, that we feel are best suited for shopping. However, before applying for a card, you must first analyze if the features offered align well with your spending preferences, as choosing the right card is subjective to individual needs.
