How to Apply for an SBI Credit Card

State Bank of India (SBI) offers a selection of Visa credit card products for residents of India. Some cards have benefits such as travel rewards or cash back on purchases, while others offer discounts or make donations to charities. There are also basic credit cards that have lower interest rates, no annual fees and perks such as concierge services and travel insurance. Applying for an SBI credit card can be done online through its affiliate website, or directly with the bank in person at a branch.

Visit the State Bank of India website (see Resources section below) if you prefer to apply for a card at a local branch of their bank. The website has a location finder that you can use to find the bank closest to you.

Visit the SBI branch that you choose, and ask the teller to apply for a credit card. You will be able to discuss your options with a representative, and fill out an application. Be sure to have a valid photo identification card with you, and be willing to offer information about your address history as well as income and assets.

Visit the SBI section of the India Credit Cards website (see Resources section) as an alternative to applying in person.

Select the credit card product of your choice from the India Credit Cards website and click the "Apply now" button.

Fill out the online SBI India Credit Cards application completely, providing information such as your full name, address, telephone number, birth date, residency status and employment information.


  • If you are approved, you will receive a credit card in the mail within about 30 days. If you are denied, you will get a letter explaining the reasons behind this credit decision.