Best Credit Card for SBI E-Commerce Offers

[Sisyphus]

SBI Offer season is here again on Amazon, and as expected SBI Cashback Card is excluded.

Here's my current Credit Card Portfolio. What SBI Card would the forum recommend as my Second SBI Card (First being SBI Cashback Card obtained 1.5 months ago) to avail E-Commerce offers?

 

[akshayhs]

The card with the easiest spend criteria to waive off annual fee is BPCL (Not BPCL Octane) which has an annual fee waiver of 50k and it costs 499 +tax joining fee. Another 499 +tax if you don't meet the annual fee waiver.

 

[Yugi]

If your only goal is to avail SBI specific offers online, then you can apply for SimplyClick (preferably Rupay card as you don't have any), also later you can convert it to LTF by calling them and threatening closure.

Also, I guess they are running an offer for Rupay card where they are giving INR 1000 Amazon voucher for the card.

 

[Sisyphus]

If your only goal is to avail SBI specific offers online, then you can apply for SimplyClick (preferably Rupay card as you don't have any), also later you can convert it to LTF by calling them and threatening closure.

Also, I guess they are running an offer for Rupay card where they are giving INR 1000 Amazon voucher for the card.

The Amazon TnC says "All SBI/Tata Credit Cardholders excluding SBI/Tata Corporate Credit Card, Paytm and Cashback SBI Credit Card are covered under this Program(“Card”). Offer is not valid on RuPay Credit Card transactions done via UPI."

So am assuming this doesn't exclude SBI RuPay Credit Card if the transaction is not done via UPI? Is there any other RuPay card that's better among other banks?

 

[Sisyphus]

The card with the easiest spend criteria to waive off annual fee is BPCL (Not BPCL Octane) which has an annual fee waiver of 50k and it costs 499 +tax joining fee. Another 499 +tax if you don't meet the annual fee waiver.

I am assuming the benefits are valid only at BPCL outlets? They are sparse in the routes that I take. I use AMEX for HP, HP Pay for Fuel surcharge waivers/discounts via Vouchers. Would this BPCL Octane be worth routing 50k spends to it?

 

[akshayhs]

I am assuming the benefits are valid only at BPCL outlets? They are sparse in the routes that I take. I use AMEX for HP, HP Pay for Fuel surcharge waivers/discounts via Vouchers. Would this BPCL Octane be worth routing 50k spends to it?

If you want a card purely for e-commerce SBI offers, then it's the easiest card to offset your annual expenses. Otherwise, it's not worth it given your card portfolio.

 

[Sisyphus]

I don't have a single Vistara-focused card as well. Not a lot of travel/hotels till date, but that will change after 6 months. Is SBI's Vistara Prime card better than AXIS Vistara cards?

 

[kvndsz512]

I don't have a single Vistara-focused card as well. Not a lot of travel/hotels till date, but that will change after 6 months. Is SBI's Vistara Prime card better than AXIS Vistara cards?

tbh any sbi card is bad bcuz they give u points while u do transaction and after 3-6 months they take back if points not there they will add it to ur statement.. so just go in for any 500rs basic card just for offers nothing else tbh..

i have an issue going on with sbi since 1.5yrs or more.. in jan 2023 rbi ombudsman had told 2k compensation will be given they gave me in the form of fees waiver now after 3-6 months in 1 card they took back saying 2 times fees was reversed and again im fighting for the same reason ... at present i left the fight .. they have scammed 😆 me of like 1k xD

but i realise no point wasting time and left it.. it all started due to points issue .. i ordered a phone in sale got 1x point but the delivery was not successful, it went back i got refund after sale over so they reversed 10x points.. (at first why did so many points disappear didn't understand, one knowledgeable agent told me the exact issue of this 1x and 10x)

got my points back but then again they took it back and then gave compensation and bcuz of that its still going on

 

[kvndsz512]

I don't have a single Vistara-focused card as well. Not a lot of travel/hotels till date, but that will change after 6 months. Is SBI's Vistara Prime card better than AXIS Vistara cards?

recently a person had vistara card , cv points were sent to the cv acc and now they put charges in his statement.. when he talked to customer care they say we cant reverse the points from cv thats why deducted from statement 😆

so now its upto u, if ur ok with taking risk u can go ahead..

but if u dont want mental harrasment better avoid and dont think of the reward points just take basic card use for instant discount and forget the reward points totally 🤗

 

[Sisyphus]

If your only goal is to avail SBI specific offers online, then you can apply for SimplyClick (preferably Rupay card as you don't have any), also later you can convert it to LTF by calling them and threatening closure.

Also, I guess they are running an offer for Rupay card where they are giving INR 1000 Amazon voucher for the card.

How and where do we specify the Platform we want for a card? Visa/MasterCard/Rupay etc.

 

[ontherocks]

Why not IRCTC SBI card with 500 annual and 300 renewal fees?
And if you have a defense background, you can get Shaurya SBI Card with 250 annual and 250 renewal fees (Waived off on annual spends of 50,000 or more in the preceding year)

 

[Walter White]

SBI Offer season is here again on Amazon, and as expected SBI Cashback Card is excluded.

Here's my current Credit Card Portfolio. What SBI Card would the forum recommend as my Second SBI Card (First being SBI Cashback Card obtained 1.5 months ago) to avail E-Commerce offers?


View attachment 40106

Try getting SBI Pulse LTF. Else SBI IRCTC cards are decent.

 

[card-shard]

I don't have a single Vistara-focused card as well. Not a lot of travel/hotels till date, but that will change after 6 months. Is SBI's Vistara Prime card better than AXIS Vistara cards?

Vistara is not top operator in India. Your choices to reach any destination gets limited to Vistara only routes & timings, if you take & use vistara card.

Instead get company agnostic travel cards, like ICICI MakeMyTrip, SBI YATRA, Axis ATLAS, Easemytrip card etc..., where you get multiple options of flight operators.

I am assuming the benefits are valid only at BPCL outlets? They are sparse in the routes that I take. I use AMEX for HP, HP Pay for Fuel surcharge waivers/discounts via Vouchers. Would this BPCL Octane be worth routing 50k spends to it?

While you won't get 3.25% rewards at other pumps, you can still get Fuel surcharge waiver at other pumps. And if you can fill fuel (+ other expenses) for 50k+ in a year using this card at any pump , then this card becomes free for you. (BPCL cheaper card, OCTANE costlier card)
Otherwise, you can take any basic SBI card having min fee, for online offers. (sort by price, low to high)

 

[Sisyphus]

I tried applying for SBI IRCTC Rupay Credit Card on the Sprint portal now, and it keeps taking me back to 'Retrieve Application' as you already have an application. And it takes me to the tracking status of my SBI Cashback Card which I got two months back.

 

[ontherocks]

I tried applying for SBI IRCTC Rupay Credit Card on the Sprint portal now, and it keeps taking me back to 'Retrieve Application' as you already have an application. And it takes me to the tracking status of my SBI Cashback Card which I got two months back.

Try applying from SBI Yono app

 

[Sisyphus]

Try applying from SBI Yono app

YONO does not show all the cards straight off the bat from the account. Had to do trial and error to get the IRCTC one to show, but only the VISA variant is showing up there.