State Bank of India (SBI) is the leading public sector bank in India. It offers diverse financial services like accepting deposits and advancing loans to its customers as per their needs. With the rapid growth and advancement in technology, the volume of trade done online has increased leading to an increase in the transactions done online.
Credit cards are best to use as it allows you to purchase merchandise on credit and pay for it later. You can purchase goods and services online as well as offline with credit cards.
Credit cards save you from the need of carrying cash everywhere. Credit cards come with a host of benefits like you earn reward points and get cash back on all your purchases. These reward points can be easily redeemed at any partner stores. SBI is offering the widest range of credit cards with great deals and discounts, catering to the plethora of needs of its customers. If you are planning to apply for SBI credit card, then you have to keep a few things in mind before selecting the card to apply for such as :
- The rate of interest applicable in case you are unable to repay your credit card bill during the grace period.
- Annual fees, joining fees and other penalties of the credit card. Different cards have different fees and penalties, so check and compare and then select the card as per your needs.
- Different cards have different benefits attached to it. So, wisely check the benefits (rewards and cashback) of different cards. Like if you go for a card which offers you free travels and access to lounges and you don’t travel frequently, so it is of no use to you. Hence, select a card with benefits useful to you.
- Check your eligibility criteria before applying for an SBI card in order to avoid the rejection of your application at a later stage. Eligibility criteria include age, income, CIBIL score etc.
You can apply for SBI Credit Card in two ways:
Offline: For offline application, you will have to visit the SBI bank. You have to fill out an application form and submit it along with all the required documents.
Online: For online application, you can visit SBI bank’s website or you can apply through online aggregators.
Steps to apply for SBI credit card online are as below:
Step 1: Fill in the online application form containing your personal details like name, address, and contact number.
Step 2: A credit card representative will contact you, who will explain to you the process, card details with benefits and documents required.
Step 3: Credit card representative will fix an appointment (time, date and place) as per your convenience with the bank.
Step 4: Bank’s executive will call up to verify your details and he will fix an appointment for documents pick-up at a time and place decided by you. You can reschedule the appointment as per your convenience.
Step 5: Post documents pick-up, you will receive your credit card within 10-15 working days.
For an easy and quick approval of your credit card application apply online. Apply for a card as per your needs as there are a different category of cards like lifestyle cards, travel cards, shopping cards, fuel cards etc. So, check and compare different options and terms and conditions before applying for a credit card.
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