How to Apply for SBI RuPay Credit Card Online

As of January 2025, only RuPay credit cards are permitted to be linked with UPI transactions, a major advantage for RuPay cardholders. In fact, RuPay’s market share in the credit card segment rose to 12% in 2024, reflecting its growing popularity and utility.

If you are considering one, there is no better time to act. Learn how to complete the process for SBI RuPay credit card apply online, which we have broken down for you in the sections below.

Quick Synopsis

• Eligibility: Salaried (21+), self-employed (25+), Retired individual (40+)
• Receive a physical credit card within approximately 15 working days.
• 350 reward points as welcome benefits on a transaction of ₹500.

Steps to Apply for SBI RuPay Credit Card Online

There are 4 simple steps you need to follow to apply for SBI RuPay credit cards online:

• Step 1: Go to the official SBI Credit Card webpage.
• Step 2: Select the specific RuPay credit card you want, as there are 4 options to choose from.
• Step 3: Select the ‘Apply Now’ button.
• Step 4: Submit all the necessary details and requisite documents carefully. Then, hit the ‘Submit’ button.
• Step 5: Within a few days, the bank will call you for the verification.
• Step 6: Once the verification is done and the bank approves your credit card application, they will proceed with credit card issuance.

Those who prefer an offline approach can visit the nearest SBI branch to apply for the SBI RuPay credit card.

Looking for something similar with even more lifestyle perks? You can also apply for a lifetime free secured credit card from Stable Money, which offers additional benefits such as airport lounge free access, RuPay brand offers, 100% fuel surcharge waiver, 0.5% cashback, exclusive gym memberships, and more.

4 Different Types of SBI RuPay Credit Cards 

SBI issues four different types of RuPay credit cards to their customers, offering various benefits: 

Eligibility Criteria to Apply for SBI RuPay Credit Card Online

• Occupation: Salaried or Self-employed
• Minimum Age: For salaried individuals, it is 21 years; for self-employed individuals, it is over 25 years; and for retired pensioners, the age criterion is above 40 years. 
• Maximum Age: 70 years

Documents Required to Apply 

You only need to submit three documents to apply for an SBI RuPay credit card online:

1. PAN details
2. A copy of your Aadhaar card 
3. Income documents, such as pay slips, Income Tax Return file, etc.

Key Advantages of SBI RuPay Credit Cards

SBI Rupay credit cards offer the following advantages for the cardholders:

UPI Integration

SBI RuPay credit cards give you the feature to link your card to any of the UPI apps to make convenient payments from your phone.

Secure Transactions

Being a part of the domestic card network, RuPay credit cards offer added security to your transactions.

Reward Points

You can earn reward points while making purchases with your RuPay credit card.

Fast and Convenient

Using RuPay credit cards helps you make fast payments anywhere in India.

Though RuPay is an Indian credit card network with widespread domestic adoption, it also boasts global acceptance. Apply for SBI RuPay credit card online and enjoy zero late payment fees on outstanding amounts of up to ₹500.

If you do not have a good credit score but want to own a credit card, you may explore Stable Money's FD-backed credit cards. These cards do not have strict eligibility criteria as the issuer considers your FD as collateral. Download Stable Money app for more details.