STATE BANK
Twenty Select Points per hundred at Central — five per cent back, if Central is where you shop.
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromOnline shopping
No published ceiling on this tier
Dining
No published ceiling on this tier
Entertainment
No published ceiling on this tier
Everything else
No published ceiling on this tier
Cash advances and ATM withdrawals All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
20% on Online shopping — 20 Select Points per Rs. 100 spent at Central stores and on Central online., with no stated cap.
Biggest limitation
Reported as withdrawn from sale in May 2022, with existing cardholders migrated to SimplySAVE, SimplyCLICK or PRIME SBI Card. Confirm availability with SBI Card before applying.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
20 pts
uncappedOnline shopping
20 Select Points per Rs. 100 spent at Central stores and on Central online.
10 pts
uncappedDining
10 Select Points per Rs. 100 spent on dining.
10 pts
uncappedEntertainment
10 Select Points per Rs. 100 spent on movies.
2 pts
uncappedEverything else
Base rate: 2 Select Points per Rs. 100 on other retail spends. Fuel earns nothing.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹2,999 | — |
| Annual / renewal fee | ₹2,999 | No spend-based waiver. The renewal fee is charged every year regardless of spend. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher (domestic and international ATMs) |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. An extra Rs. 100 per cycle applies if the Minimum Amount Due is missed for two consecutive cycles. Finance charge up to 3.75% per month (45% p.a.). | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹4,500
of one-time welcome value, on top of what you earn
Every year after
₹2,999 a year
charged with no published way to avoid it
Not offered on this card.
1% waiver. Not published by SBI Card for this card. Other SBI SELECT co-brands carry a 1% waiver on fuel transactions of Rs. 500-3,000 capped at Rs. 100 per statement cycle; confirm with SBI Card before relying on it.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
Welcome — once
₹4,500
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
4
spend thresholds you can reach again each year
Central e-gift voucher worth Rs. 3,000 on payment of the joining fee.
Complimentary m-coupons worth Rs. 500 each, for the first 3 months.
Spend ₹1,25,000 a year — about ₹10,417 a month
12,000 renewal Select Points worth Rs. 3,000 on payment of the renewal fee plus Rs. 1,25,000 of annual spend.
Spend ₹1,50,000 a year — about ₹12,500 a month
6,000 Select Points worth Rs. 1,500 on annual spends of Rs. 1,50,000.
Spend ₹3,00,000 a year — about ₹25,000 a month
10,000 Select Points worth Rs. 2,500 on annual spends of Rs. 3,00,000.
Spend ₹6,00,000 a year — about ₹50,000 a month
16,000 Select Points worth Rs. 4,000 on annual spends of Rs. 6,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Central SBI Select+ Card BK · this card | ₹2,999 | 20% online shopping | No |
| Yatra SBI Card BK | ₹499 | See card | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | See card | No |
| Fabindia SBI Card BK | ₹499 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹2,999 plus GST, with no published spend-based waiver.
The strongest published rate is 20% on online shopping, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
No — airport lounge access is not offered on this card.
This is a Visa card. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Cash advances and ATM withdrawals Fuel transactions Wallet loads Insurance premiums Rent payments EMI transactions Government institution payments No Select Points on cash advances/withdrawals, fuel transactions, wallet loads, insurance, rent, EMI, government institution payments, and similar excluded categories (standard SBI Card exclusion list) Fuel, rent, wallet loads, insurance, utility/govt. payments, and EMI transactions are generally excluded from milestone and welcome-benefit qualifying spends
Instant redemption at any Central store
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Central SBI Select+ Card BK — 20% on online shopping. ₹2,999 a year.
