Benefits of using SBI Credit card

State Bank of India is not only the largest public sector bank of the country but is also the most widely used when it comes to credit cards and other financial products. State Bank of India offers a number of credit card options catering to the needs of large section of the society. With its signature, platinum and student plus cards, SBI offers attractive rewards and benefits for their credit card users. For the travel enthusiasts State Bank of India has a number of travel centric cards like Yatra SBI card and IRCTC SBI Platinum card. From the good old classic credit cards to corporate cards and retail store co-branded cards, State Bank of India offers cards just about everyone. Apart from its wide range of cards, SBI offers users immense benefits and rewards. Let us take a look at some of the common benefits and rewards associated with SBI credit cards.

Payment Flexibility:  

SBI credit cards allow card holders to plan their outstanding payments as per their personalized repayment plan. Users have the option to pay any amount from the minimum due amount to the total outstanding amount. Unpaid balance is allowed to be carried over for the next billing cycle with very low interest rates compared t other credit card companies.

0% Fuel Surcharge:

SBI credit cards come with a 0% fuel surcharge benefit allowing users to freely use their SBI cards at multiple petrol pumps across the country.  

Utility Bill Payment Facility:

SBI cards offer utility bill payment services in which all utility bills including electricity, insurance, telephone are paid before their due date automatically. SBI utility bill payment services helps to avoid any late fee or charges due to nonpayment of any such utility bills.

Cash on the Go:

State Bank of India credit card holders can use the wide range of 1 million VISA/MasterCard ATMs across the globe to withdraw any cash in case of a financial emergency. SBI card holders get the added advantage of SBI ATM's spread over 100 plus cities in India.

24 Hour Helpline:

SBI Card Customer Helpline and 24-hr VISA/MasterCard global Customer Assistance Services are available 24 hours, seven days a week making all transactions safe and secure. In case of an emergency or credit card fraud, help is only a phone call away irrespective of time constraints or geographical location of the card holder.

SBI Flexipay:

SBI Flexipay is a flagship benefit available to all SBI card holders that allow easy installment plans for any purchase done through a SBI credit card. Flexipay allow users to choose the plan best suited for their financial needs and avail of a low rate of interest within 10 days of purchase.

Cash Back Schemes and Rewards:

SBI credit cards offer various cash back schemes and reward points program through the year helping card holders reduce their overhead shopping costs or redeeming the credit card points for gifts and discounts. SBI credit card holders can earn reward points on every Rs. 75 spent for shopping across all merchants including departmental stores and grocery shop