SBI Central SELECT Credit Card
SBI Bank
Last updated: Oct 28, 2025
₹499
₹499
1.99%
No lounge access
Contents
The SBI Card Central SELECT is a shopping–focused credit card optimised for Central stores and lifestyle spends. It offers accelerated Select points at Central outlets, higher points on dining and movies, and easy instant redemption at Central. The card is aimed at regular shoppers who value store-level point redemption and occasional milestone bonuses.
Features of SBI Central SELECT Credit Card which makes it unique
Instant Redemption
Redeem Select points instantly at Central stores at billing time
Faster value realisation
More convenient than catalogue-only redemption
Rewards Structure of SBI Central SELECT Credit Card
Milestones of SBI Central SELECT Credit Card
Annual Spend Milestone
₹3,00,000 : Select points worth ₹2,000
Renewal / Spend Bonus
₹75,000 : Select points / e-gift vouchers worth approx. ₹750 (subject to T&Cs)
Fees & Charges of SBI Central SELECT Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 2% |
Renewal Conditions:Fee may be reversed or waivered on specified annual spends or promotional conditions.
Fee Explanation Standard bank rates apply for overdue amounts and applicable transactional fees are as per card T&Cs.
Insurance Coverage with SBI Central SELECT Credit Card
Purchase protection
₹50,000Coverage subject to card T&Cs and time limits.
Additional Features of SBI Central SELECT Credit Card
Contactless Payments
Tap-and-pay enabled for contactless transactions
Add-on Cards
Add-on cards available as per bank policy
Welcome Bonus with SBI Central SELECT Credit Card
Welcome Bonus: ₹750 Gift voucher plus three ₹250 m-coupons
Bonus Conditions: Welcome vouchers and m-coupons issued on payment of joining/renewal fee and subject to T&C on merchant redemption.
Application Process for SBI Central SELECT Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or authorised partners
Upload KYC documents
Receive verification call
Card dispatched within standard processing timelines
Required Documents for SBI Central SELECT Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
SBI Central SELECT Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where network supported
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for SBI Central SELECT Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Customer must have valid PAN and Aadhaar (or other acceptable KYC) as per bank policy.
How Approval Is Decided
- Minimum income as per bank policy
- Indian resident
- Credit score generally above 700
Pros of SBI Central SELECT Credit Card
- Strong store-specific reward rates
- Instant redemption at Central
- Simple, shopping-focused benefits
Cons of SBI Central SELECT Credit Card
- Limited utility outside Central and partner categories
- Modest general earn rate on non-promotional spends
Frequently Asked Questions about SBI Central SELECT Credit Card
What is the welcome offer?
Receive welcome vouchers and m-coupons (₹750 Central e-gift voucher plus three ₹250 m-coupons) on payment of the joining fee; terms apply.
How many Select points do I earn at Central stores?
You earn 10 Select points for every ₹100 spent at Central stores.
What are the reward rates for dining and movies?
Dining and movie spends earn 5 Select points for every ₹100.
Can Select points be redeemed instantly?
Yes — Select points can be redeemed instantly at Central stores at the time of billing, subject to merchant acceptance.
What is the annual fee and can it be waived?
Annual fee is ₹499 (current); fee reversal or waiver may be available on specified spends or promotional conditions—check T&Cs.
Are there milestone bonuses?
Yes — for example, spending ₹3,00,000 in a year can trigger Select points reward (approx. ₹2,000 value) as a milestone bonus; check exact thresholds on bank site.
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