SBI Credit Card Reward Points

SBI Credit Card reward points make every purchase more rewarding. Whether you are shopping, dining, traveling, or paying bills, you can earn points that can be redeemed for a variety of benefits. From vouchers and merchandise to flight bookings and mobile recharges, SBI rewards credit cards help you get more value from your spending. Additionally, you can convert your SBI credit card reward points to cash or use them for petrol purchases, adding flexibility to your rewards.

In this webpage, we will explore how to earn, redeem, and maximize your SBI credit card reward points, including details on 1 reward point value in SBI credit card, expiry dates, and the best SBI credit cards for reward points.

Table of Contents:

• ⇾ Check SBI Credit Card Reward Points
• ⇾ Benefits of SBI Credit Card Reward Points
• ⇾ Earn SBI Credit Card Reward Points
• ⇾ Redeem SBI Credit Card Reward Points
• ⇾ Redeem SBI Credit Card Points by Internet Banking
• ⇾ Redeem SBI Credit Card Points on Mobile App
• ⇾ Redeem SBI Credit Card Points Offline
• ⇾ SBI Credit Card Rewards Catalogue
• ⇾ Air Mile Conversion of SBI Credit Card Reward Points
• ⇾ SBI Credit Card Reward Points Convert to Cash
• ⇾ Best SBI Credit Cards for Maximum Reward Points
• ⇾ Tips to Maximize SBI Credit Card Reward Points
• ⇾ Frequently Asked Questions

Check SBI Credit Card Reward Points

Keeping track of your SBI credit card reward points is essential to ensure you never miss out on redeeming valuable rewards. SBI offers multiple ways to check your reward points balance, whether online, via mobile, or through customer support.

1. Through SBI Credit Card Reward Points Login

Step 1: Visit the SBI Card portal and log in using your credentials.

Step 2: Navigate to the ‘Rewards’ section and select ‘Points Summary.’

Step 3: You will see your total reward points balance and details, including points earned, redeemed, and the SBI credit card reward points expiry date.

2. Via SBI Credit Card Mobile App

Step 1: Log in to the SBI Card Mobile App using your registered mobile number.

Step 2: Select the ‘Rewards’ tab on the homepage.

Step 3: View your current points balance and recent transactions directly from the dashboard.

3. Using SMS Service

Step 1:Send an SMS in the following format:

REWARDS XXXX (where XXXX is the last 4 digits of your SBI credit card number) to 5676791 from your registered mobile number.

Step 2:You will receive an instant update with your reward points balance.

4. By Giving a Missed Call

Step 1: Dial 8422845514 from your registered mobile number.

Step 2: You will receive an SMS containing your SBI credit card reward points balance.

5. Via SBI Credit Card Customer Care for Reward Points

Step 1: Call the SBI Credit Card customer care helpline at 1860 180 1290 or 39 02 02 02 (with the local STD code).

Step 2: Request your reward points summary from the customer care executive.

Earn SBI Credit Card Reward Points

1. Earn Points on Every Purchase:
• Shopping & Dining: Earn points on groceries, restaurants, and department stores.
• Travel & Fuel: Collect points on flight bookings, hotels, and petrol purchases.
• Utility Payments: Get points for paying electricity, water, and mobile bills.
2. Get 10x Reward Points on Partner Brands:
• Earn 10x reward points on online shopping, movies, and dining.
3. Enjoy Milestone and Welcome Rewards:
• Milestone Bonus: Get 2000 reward points on reaching annual spending targets.
• Welcome Bonus: Earn vouchers from brands like Yatra and Shoppers Stop.
4. Earn Birthday Rewards:
• Earn extra points on your birthday.
5. Get Special Category-Based Rewards:
• Doctor's SBI Card: 5x points on medical and travel spending.
• SBI Elite Card: 5x points on groceries and dining.
6. Earn Points on Mobile Recharges and Utility Bills:
• Earn points when you recharge via the SBI Card app or website.
• Get points on electricity and water bill payments.
7. Estimate Your Earnings with the SBI Reward Points Calculator:
• Use the SBI credit card reward points calculator on the SBI Card portal to track potential earnings.

Ways to Redeem SBI Credit Card Reward Points

Redeeming your SBI credit card reward points is simple and offers multiple options to suit your needs. Here’s how you can make the most of your SBI rewards credit card.

Redeem SBI Credit Card Reward Points on the Official Portal

Step 1: Visit the SBI Card website and log in with your credentials.

Step 2: Click on the ‘Rewards’ section and select ‘Redeem Rewards.’

Step 3: Browse the Rewards Catalogue and choose items such as e-vouchers, merchandise, or travel bookings.

Step 4: Click ‘Redeem Now’ and confirm your selection.

Redeem SBI Credit Card Reward Points on Mobile App

Step 1: Open the SBI Card Mobile App and log in.

Step 2: Go to ‘Rewards’ and select ‘Redeem Rewards.’

Step 3: Explore available redemption options such as mobile recharges, vouchers, or flights.

Step 4: Confirm your redemption with a single click.

Redeem SBI Credit Card Points by Internet Banking

Redeeming your SBI credit card reward points through internet banking is quick, secure, and convenient. Here’s a step-by-step guide to help you redeem your points via internet banking.

Step 1: Visit the SBI Card website and log in using your user ID and password. (This is your SBI credit card reward points login.)

Step 2: Navigate to the ‘Rewards’ section from the dashboard.

Step 3: Select ‘Redeem Rewards’ from the dropdown menu.

Step 4: Use filters to search by category, city, or brand from the SBI Rewards Catalogue.

Step 5: Choose your preferred redemption option, such as e-vouchers, flights, or merchandise.

Step 6: Click on ‘Redeem Now’ and confirm your selection.

Redeem SBI Credit Card Points on Mobile App

Redeeming your SBI credit card reward points through the SBI Card Mobile App is quick and convenient. Here’s how to use the mobile app for your SBI credit card rewards redemption.

Step 1: Download and open the SBI Card Mobile App from the Play Store or App Store.

Step 2: Log in using your registered mobile number and OTP or password (SBI credit card reward points login).

Step 3: Tap on the ‘Rewards’ section from the app dashboard.

Step 4: Select ‘Redeem Rewards’ from the available options.

Step 5: Explore categories such as e-vouchers, flights, and merchandise in the Rewards Catalogue.

Step 6: Choose your desired reward and click ‘Redeem Now’ to complete the transaction.

Redeem SBI Credit Card Points Offline

If you prefer to redeem your SBI credit card reward points offline, SBI offers several convenient methods, including customer care services and partner outlets. Here’s how you can redeem your SBI credit card points offline.

Step 1: Call SBI credit card customer care for reward points at:

• 1860 180 1290 (toll-free)
• 39 02 02 02 (prefix local STD code)

Step 2: Provide your SBI credit card details and authenticate using OTP or other verification.

Step 3: Request reward redemption for your preferred category, such as e-vouchers, cash conversion, or travel bookings.

Step 4: The customer care executive will process your redemption request, and you will receive a confirmation via SMS or email.

SBI Credit Card Rewards Catalogue

1. Gift Vouchers and E-Vouchers:
• Redeem points for e-vouchers from top brands: Amazon, Flipkart, Yatra, Cleartrip, Shoppers Stop, Lifestyle, Croma
2. Travel and Holidays:
• Use points to book flights, hotels, and holiday packages.
• Pay fully with points or use the ‘Points + Pay’ option.
3. Petrol Vouchers:
• Redeem points for fuel at BPCL and other partner petrol stations.
• Use fuel vouchers or pay directly with points (BPCL SBI Card Octane).
4. Mobile Recharge and Bill Payments:
• Redeem points for mobile recharges via the SBI Card website or app.
• Pay for utility bills such as electricity, water, and gas using points.
5. Merchandise:
• Exchange points for products like: Electronics, Home Appliances, Fashion
6. Convert Points to Cash:
• Convert points into cashback or statement credit via the SBI Card portal.
• Cashback will be adjusted against your card balance.
7. Reward Points Expiry:
• Points expire 24 months from the earning date.
• Track expiry dates via the SBI credit card reward points login on the website or app.
8. Use the SBI Credit Card Reward Points Calculator:
• Estimate earnings and redemptions with the SBI credit card reward points calculator.
• Enter your monthly spending to see potential points and their cash or voucher value.

Convert SBI Credit Card Reward Points to Air Miles

SBI Card allows you to convert your SBI credit card reward points into air miles, enabling you to book flights, upgrade seats, or enjoy other travel privileges with partner airlines. This option is perfect for frequent travelers who want to maximize their rewards for flights and travel benefits.

Convert SBI Credit Card Reward Points to Air Miles Online

Step 1: Log in via the SBI Credit Card Rewards Portal (SBI credit card reward points login).

Step 2: Navigate to the ‘Rewards’ section and select ‘Redeem Rewards.’

Step 3: Select ‘Air Mile Conversion’ under the Travel category.

Step 4: Choose your partner program (e.g., Air India Flying Returns).

Step 5: Enter the number of points you wish to convert and your membership number for the airline’s loyalty program.

Step 6: Confirm the conversion. You will receive an email confirmation, and miles will be credited within 3-5 working days.

Convert SBI Credit Card Reward Points to Cash

One of the most valuable ways to use your SBI credit card reward points is by converting them to cash. This option allows you to redeem your accumulated points as a statement credit, which reduces your outstanding credit card balance. Here’s everything you need to know about converting SBI reward points to cash.

1. SBI Credit Card 1 Reward Point Value for Cash Conversion

The value of 1 reward point in SBI credit card depends on your card type. Typical conversion values are:

Benefits of SBI Credit Card Reward Points

SBI credit card reward points offer more than just savings—they provide flexibility, value, and exciting redemption options tailored to your lifestyle. Here are some key benefits:

1. Multiple Ways to Redeem Points:
• Vouchers: Redeem points for e-vouchers from brands like Amazon, Yatra, and Shoppers Stop.
• Flights: Use points for flight bookings through partner airlines or travel platforms.
• Mobile Recharge: Pay for mobile recharges via the SBI Card app or website.
• Fuel: Redeem points for petrol at participating petrol pumps.
2. Convert Points to Cash:
• Convert reward points to cash to reduce your credit card balance.
• Redeem via the SBI Card portal or customer care.
3. Track and Manage Points Easily:
• Use the SBI credit card reward points calculator to estimate earnings and cash value.
• Monitor your points balance and expiry through the SBI credit card reward points login on the website or app.
4. Earn Bonus Points and Milestone Rewards:
• Earn 10x reward points on dining, groceries, and online shopping with eligible SBI cards.
• Get milestone bonuses such as 2000 reward points on reaching spending targets.
5. Best SBI Credit Cards for Rewards:
• SBI SimplyCLICK Card: 10x points on Amazon and BookMyShow.
• SBI Prime Card: Best for groceries, dining, and travel rewards.
6. Reward Points Validity:
• SBI reward points are valid for 24 months from the date of earning.

Track the SBI credit card reward points expiry date through the SBI app or website.

Best SBI Credit Cards for Maximum Reward Points

SBI offers a wide range of credit cards tailored to different spending habits, allowing you to earn and redeem SBI credit card reward points effectively. Below is a detailed comparison of the best SBI credit cards for earning reward points.

1. SBI Elite Credit Card – Best for Premium Rewards
• Reward Rate: 2 reward points per ₹100 spent on regular purchases
• Bonus Categories: 5 reward points per ₹100 on dining, groceries, and departmental store spends
• Welcome Gift: ₹5,000 worth of e-vouchers on joining
• Milestone Reward: Earn 10,000 reward points annually on spending ₹10 lakh
• 1 Reward Point Value: ₹0.25
• 2000 Reward Points Value: ₹500 cashback
• Additional Benefits: Complimentary lounge access and travel privileges

Best For: High spenders looking for premium benefits and maximum points on everyday purchases.

2. SBI SimplyCLICK Credit Card – Best for Online Shopping
• Reward Rate: 1 reward point per ₹100 spent on regular transactions
• Bonus Categories: 10x reward points with SBI credit card on Amazon, BookMyShow, Cleartrip, and Lenskart
• Milestone Reward: Earn 2000 reward points on SBI credit card upon annual online spends of ₹1 lakh
• 1 Reward Point Value: ₹0.25
• 2000 Reward Points Value: ₹500
• Additional Benefits: ₹500 Amazon voucher on joining

Best For: Frequent online shoppers who want to earn maximum points from e-commerce platforms.

3. BPCL SBI Credit Card Octane – Best for Fuel Rewards
• Reward Rate: 1 reward point per ₹100 spent on regular purchases
• Bonus Categories: 25x reward points on BPCL fuel purchases (up to ₹10,000 per month)
• 1 Reward Point Value: ₹0.25
• 2000 Reward Points Value: ₹500 worth of free fuel
• Fuel Surcharge Waiver: 1% waiver on BPCL fuel transactions
• Additional Benefits: 4 complimentary lounge visits per year

Best For: Individuals who frequently spend on fuel and want to maximize their savings at BPCL petrol pumps.

Tips to Maximize SBI Credit Card Reward Points

Earning SBI credit card reward points is easy, but knowing how to maximize them ensures you get the best value for your spending. Here are some expert tips to help you earn more points and make the most of them.

1. Choose the Best SBI Credit Card for Your Spending Habits

Selecting the right card based on your spending pattern can help you earn points faster

2. Take Advantage of 10x Reward Points Offers

SBI frequently offers 10x reward points on specific categories and partner brands. Maximize your earnings by using your card on these platforms

3. Utilize Milestone Rewards for Extra Points

Reach spending milestones to earn bonus points

4. Convert Reward Points to Cash for Maximum Value

Converting points to cash often provides better value than other redemptions

5. Redeem Points for Travel or Air Miles

If you are a frequent traveler, convert points to air miles or book flights directly with reward points:

6. Use Points for Petrol to Save on Fuel Expenses
• Redeem points for petrol at BPCL fuel stations.
• With the BPCL SBI Card Octane, you get up to 7.25% value back on fuel, plus reward points for each transaction.
7. Recharge Your Mobile with SBI Reward Points

Use your reward points for mobile recharges directly through the SBI Card website or mobile app.

8. Use the SBI Credit Card Reward Points Calculator
• Estimate your potential earnings using the built-in SBI credit card reward points calculator on the SBI Card website.
• Input your monthly spending (e.g., ₹20,000 on groceries, ₹10,000 on fuel) to see how many points you can earn annually.
9. Track Reward Points and Expiry Regularly
• Log in via the SBI credit card reward points login on the website or mobile app.
• Check your total points, redeemed points, and remaining balance.
• Note the SBI credit card reward points expiry date (usually 24 months) and redeem them before they expire.
10. Participate in Limited-Time Offers and Promotions
• Look out for special promotions such as 10x reward points during festive seasons or on specific partner websites.
• Subscribe to SBI’s newsletters or SMS alerts to stay updated on exclusive deals.