CREDIT CARD ISSUER

SBM Bank India Credit Cards

Q: How do I apply for a SBM Bank India credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen SBM Bank India card. You will be redirected securely to SBM Bank India's official digital application portal to complete KYC and application verification.

Q: What are the eligibility and credit score requirements for SBM Bank India credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Q: Can I get an annual fee waiver on SBM Bank India credit cards?

Many SBM Bank India credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Q: Do SBM Bank India credit cards support RuPay UPI payments?

Yes, SBM Bank India issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

SBM Bank India is a leading universal bank and subsidiary of State Bank of Mauritius, known for powering innovative co-branded credit cards and secured digital banking solutions.

Official Portal Support Compare vs Rivals

Total Offerings

4 Active Cards

Fee Range

₹0 (LTF) – ₹499

Payment Networks

Visa • RuPay

Zero Fee / LTF

Spend Waiver

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SBM BANK INDIA PORTFOLIO

SBM Bank India Credit Cards

Explore 4 active cards and filter them by how you spend.

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Showing 4 of 4 verified SBM Bank India credit cards

NEW LAUNCH

4.0

Paisa+ Credit Card

CashbackRewardsUPI / RuPay

BEST FOR

Budget-conscious shoppers and entry-level cardholders seeking consistent everyday savings and low annual fee maintenance.

Annual Fee₹499

RewardsUp to 1.5% Cashback on Online Spends (>₹10k FD) & 1.0% on Offline/UPI Spends

Lounge AccessNone / Spend-based

Forex Markup3.5%

Renewal fee waived on ₹50,000 annual spend

Last verified 3 Oct 2026

rupay

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NEW LAUNCH

SBM Kredit.Pe Credit Card

UPI / RuPayLow Annual FeeEntry Level

BEST FOR

Credit score repair, first-time credit builders, and secured UPI spending.

Annual Fee₹0 (Free)

Rewards3% on stores, 3% online, 3% UPI (5% on UPI > ₹10,000/mo)

Lounge AccessNone / Spend-based

Forex Markup3.5%

Last verified 25 Oct 2026

rupay

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Verified

Niyo Global SBM Credit Card

TravelSecured / FD BackedInternational / Forex

BEST FOR

International travel & zero forex markup

Annual Fee₹0 (Free)

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup0% (Zero Forex)

Last verified 14 Oct 2026

visa

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Verified

SBM Bank India

SBM Magnet Credit Card

•••• •••• •••• Card2026

SBM Magnet Credit Card

UPI / RuPaySecured / FD Backed

BEST FOR

Low minimum FD & UPI payments

Annual Fee₹0 (Free)

RewardsStandard

Lounge AccessNone / Spend-based

Forex Markup2.49%

Last verified 14 Oct 2026

rupay

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COMPETITOR BENCHMARK

Compare SBM Bank India vs Competitor Banks (2026)

Benchmark SBM Bank India flagship credit cards against top alternatives in the same spending tier.

Cross-Bank Benchmark

SBM Bank India vs Competitor Banks (2026 Comparison)

Open Compare Matrix

Bank & Flagship Card	Key Specialization	Annual Fee	Top Highlight / Perk	Action
HDFC BankHDFC Bank Millennia Credit Card	Cashback	₹1,000	5% direct CashBack on top 10 online platforms (Amazon, Flipkart, Swiggy, Zomato, Myntra, Uber)	Explore
SBI CardCashback SBI Card	Cashback	₹999	Flat 5% cashback on online spends across virtually all e-commerce merchants without partner lock-in	Explore
ICICI BankAmazon Pay ICICI Bank Credit Card	Cashback	Free (LTF)	Lifetime Free credit card with unconditionally zero joining fee and zero annual renewal charges	Explore
Axis BankAirtel Axis Bank Credit Card	Cashback	₹500	25% direct cashback on Airtel mobile, broadband, and DTH payments via the Airtel Thanks App	Explore
IDFC FIRST BankIDFC FIRST Select Credit Card	Travel	Free (LTF)	100% Lifetime Free card with zero joining fee and zero annual maintenance fees forever	Explore
American ExpressAmerican Express Platinum Travel Credit Card	Travel	₹5,000	Flagship ₹20,000 Taj Experiences e-Gift Card milestone upon reaching ₹7 Lakh annual spend	Explore

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About SBM Bank India Credit Cards

Issuer history, core reward architecture, and market position

Why Choose SBM Bank India Credit Cards?

Distinctive advantages of holding cards from SBM Bank India

Reward Program Multipliers

Accelerated points on flight and hotel bookings, partner e-commerce shopping, and flexible point-to-cash redemptions.

Airport Lounge Entitlements

Complimentary domestic and international airport lounge visits per calendar quarter across major airport terminals in India.

Annual Spend Fee Waivers

Full annual renewal fee waiver upon hitting predetermined yearly spend milestones (typically ₹1L to ₹3L spend).

Zero Lost Card Liability

24/7 fraud monitoring, contactless NFC tap-to-pay security, and immediate digital lock through mobile banking.

SBM Bank India Card Eligibility & Required Documents

Essential requirements before initiating your digital application

Eligibility Criteria

Card-Specific Terms: Specific eligibility criteria (such as minimum income, age requirements, and credit history) vary by individual credit card.
Credit Profile: Approval and sanctioned credit limits depend on your credit history, existing liabilities, and individual bank underwriting guidelines.
Employment Status: Salaried individuals with steady monthly income or self-employed professionals with filed tax returns (ITRs) are generally eligible.
Residential Status: Resident Indian citizens (and NRIs where supported by specific product terms) with valid KYC documents.

Documentation Checklist

Proof of Identity: PAN Card (mandatory), Aadhaar Card, Passport, or Voter ID.
Proof of Address: Aadhaar Card, utility bills (electricity, water, gas < 3 months old), or driving license.
Income Proof (Salaried): Latest 3 months salary slips, Form 16, and 6 months bank account statements.
Income Proof (Self-Employed): Latest 2 years Income Tax Returns (ITR) with computation of income and audited P&L statement.

Frequently Asked Questions

Frequently Asked Questions About SBM Bank India Credit Cards

Get clear answers on fees, reward points redemption, lounge privileges, and online application procedures.

How do I apply for a SBM Bank India credit card online?

You can apply directly through CardRecommend by clicking 'Apply Online' on your chosen SBM Bank India card. You will be redirected securely to SBM Bank India's official digital application portal to complete KYC and application verification.

What are the eligibility and credit score requirements for SBM Bank India credit cards?

Eligibility criteria and credit score requirements vary by individual card. While entry-level or secured credit cards may be accessible with newer credit histories, premium cards typically require higher income and an established credit profile. Review each individual card's details for exact criteria.

Can I get an annual fee waiver on SBM Bank India credit cards?

Many SBM Bank India credit cards offer a full annual renewal fee waiver if you achieve the specified annual spend milestone. Spend requirements and waiver terms vary by card; check the specific card fees for exact spend thresholds.

Do SBM Bank India credit cards support RuPay UPI payments?

Yes, SBM Bank India issues dedicated RuPay credit cards that can be linked to UPI apps (such as Google Pay, PhonePe, and Paytm) for seamless merchant QR scan-and-pay transactions. Look for the RuPay network badge on individual cards in the portfolio.

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