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SBI Visa® College Real Rewards Card
SBI Visa® College Real Rewards Card
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
At a Glance
The SBI Visa® College Rewards Card is a flat-rate rewards card that offers great value for no annual fee. The card earns 1.5X points on every purchase, plus an easy-to-achieve introductory bonus haul of 2,500 points.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 1.5X points on everyday purchases
- 0% intro APR on balance transfers and purchases
- No cap or limit on the points you can earn, plus you have five years to redeem points for rewards
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You live or go to college in California
- You want a card that lets you offset the cost of buying textbooks over an entire semester
- You prefer a card that earns a flat rate of rewards over rotating categories
- You do’t want to pay an annual fee
SBI Visa® Platinum Card
SBI Visa® Platinum Card
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
- 0% for the first 18 months Intro Purchase APR
At a Glance
The SBI Visa® Platinum Card is a balance transfer credit card that lacks the fireworks of a rewards card but makes up for it with a typically low APR and an extensive interest-free introductory period on balance transfers and purchases.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- 0% introductory APR on purchases and balance transfers
- Pay down existing balances with an everyday low rate
- Visa benefits and protections
- Intro Purchase APR: 0% for the first 18 months
- Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 18 months
- Balance Transfer APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You’re an Indian national and want a credit card that works both in California and abroad
- You have an existing credit card balance to pay down – and would like to do so at a lower rate
- You plan to finance a major purchase soon
- You don’t want to pay an annual fee for a low APR card
SBI Visa® Real Rewards Card
SBI Visa® Real Rewards Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 25.99% variable based on the Prime Rate Cash Advance APR
- 0% for 6 months from account opening date Intro Purchase APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- Earn 1.5X points for every dollar spent on purchases
- No cap or limit on the points earnable
- Visa Zero Fraud Liability protectio
- Intro Purchase APR: 0% for 6 months from account opening date
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for 6 months from account opening date
- Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 25.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- N/A
SBI Visa® Secured Card
SBI Visa® Secured Card
- 20.99% variable based on the Prime Rate Regular Purchase APR
- 20.99% variable based on the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Receive up to a $5,000 credit limit
- Establish a positive credit history with on-time payments
- Minimum deposits starting from $300
- Fixed-rate APR
- Regular Purchase APR: 20.99% variable based on the Prime Rate
- Balance Transfer APR: 20.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $35
- Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- Minimum Deposit Required: $300
- N/A
SBI Premier Rewards American Express® Card
SBI Premier Rewards American Express® Card
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
- 23.99% variable based on the Prime Rate Cash Advance APR
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- No annual fee
- No foreign transaction fees
- Earn 4X points on dining; 3X on airlines; 2X on gas; and 1X on all other purchases
- 10,000 bonus rewards points after you spend $1,000 in the first 3 month
- Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
- Cash Advance APR: 23.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: None for the first year, $99 after that
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $35
- N/A
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SBI Credit Cards
SBIC offers several personal credit cards. The bank provides both American Express and Visa credit cards. These options include rewards credit cards, student credit cards, and even a secured card for those with bad credit.
Besides the SBIC Visa Secured, which features an annual fee of $35, all other SBI credit card accounts charge no annual fee to cardholders.
SBI Rewards credit cards earn points with every purchase. Points are redeemable as travel (airfare, hotels, and more), gift cards, or merchandise. Cash back options include statement credit or deposits into SBIC savings or checking accounts.
FAQs About State Bank of India (California)
Here are some of the most frequently asked questions about SBIC and State Bank of India credit cards:
- SBIC currently pulls your Experian credit report when applying for a loan.
- Yes. While the bank currently only has branches in seven California locations, anyone can bank with SBIC.
- The current value of SBIC rewards points is approximately one center per point. The precise value of points depends on the method of redemption, however.
- Most credit cards from State Bank of India (California) require a good credit score or excellent credit score. The State Bank of India Secured Card, however, only requires a bad credit score or even no credit history. This makes the card perfect for anyone looking to repair their credit. The College Rewards Visa also is great for establishing a credit history, only requiring a fair credit score.
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