Central SBI Select+ Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
2%
4 visits/yr
Contents
A value-oriented shopping and lifestyle card tailored for frequent shoppers at Central and lifestyle stores. The card offers strong category rewards at Central stores, added points on dining and entertainment, milestone bonuses for higher annual spends, and practical welcome benefits.
Features of Central SBI Select+ Credit Card which makes it unique
Instant Redemption at Central
Redeem Select Points instantly at Central stores for purchases
Immediate value at partner stores
Convenient in-store redemption
Milestone Bonus
Earn large bonus points on meeting higher annual spends
Significant value for high spenders
Competitive vs similar shopping cards
Rewards Structure of Central SBI Select+ Credit Card
Central Stores
acceleratedPurchases at Central and participating stores
High earn rate for purchases at Central stores and affiliated outlets.
Dining & Movies
acceleratedDining and cinema transactions
Bonus points on dining and movie spends.
All Other Spends
baseOther retail and everyday spends (excludes fuel and wallet top-ups)
Standard earn rate on everyday purchases.
Milestones of Central SBI Select+ Credit Card
Annual Spend Milestone - 1
₹1,50,000 : 6,000 Select Points
Annual Spend Milestone - 2
₹3,00,000 : 10,000 Select Points
Fees & Charges of Central SBI Select+ Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 2% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Bonus points or fee reversal offered on meeting specific annual spend or on payment of renewal fee as per issuer policy.
Fee Explanation Standard bank rates and charges apply for overdue amounts, cash advances and returned payments.
Detailed Explanation of Central SBI Select+ Credit Card Fees
Joining / Annual Fee: 499 (one-time / yearly)
Fee benefits or reversal subject to issuer conditions and spend thresholds.
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction.
Lounge Access Benefits with Central SBI Select+ Credit Card
domestic Lounges
silverVisits per year: 4
Guest access: No
Access rules and visit limits as specified by the issuer and participating lounges.
Insurance Coverage with Central SBI Select+ Credit Card
Purchase protection
₹50,000Protection valid for eligible purchases within 90 days, subject to claim T&Cs.
Additional Features of Central SBI Select+ Credit Card
Contactless Payments
Tap and pay enabled
Add-on Cards
Add-on cards available as per issuer policy
Welcome Bonus with Central SBI Select+ Credit Card
Welcome Bonus: Welcome benefits worth ₹4,500 vouchers and bonus
Bonus Conditions: Welcome benefits delivered on payment of joining/renewal fees and on meeting initial spend criteria as per issuer terms.
Application Process for Central SBI Select+ Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via the issuer portal
Upload KYC documents
Receive verification communication
Card dispatched within 5-7 business days (subject to verification)
Required Documents for Central SBI Select+ Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Central SBI Select+ Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Central SBI Select+ Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- Cardholders must provide valid PAN and Aadhaar as per KYC requirements.
How Approval Is Decided
- Minimum income per issuer criteria
- Indian resident
- Credit score typically above 700
Pros of Central SBI Select+ Credit Card
- Excellent earn rates for shoppers at Central
- Welcome benefits and milestone bonuses
- Convenient in-store redemption
Cons of Central SBI Select+ Credit Card
- Limited broad travel benefits compared to premium travel cards
- Welcome and renewal benefits tied to fee payment and spend thresholds
Frequently Asked Questions about Central SBI Select+ Credit Card
Is there a joining fee?
Yes. A joining fee is charged; welcome benefits are often provided on payment of the joining fee as per issuer terms.
How do I earn Select Points?
Select Points are earned on eligible spends, with accelerated rates for Central store purchases and bonus rates on dining and movies.
What are the milestone benefits?
The card provides milestone bonus points on reaching specified annual spend thresholds; details vary by year and issuer communication.
Are rewards redeemable at Central stores?
Yes. Select Points can typically be redeemed at Central stores and via the issuer rewards portal, subject to redemption rules.
How can I get the annual fee waived?
Fee reversals or additional points on renewal are often offered against meeting an annual spend or paying the renewal fee—check issuer T&Cs.
What documents are required to apply?
PAN and Aadhaar are required for KYC; address and income proofs may be requested depending on applicant type.
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