Earning and Checking Credit Card Reward Points

Earning of Reward Points will vary depending on the card type that you hold. To know about the rewards applicable on your card, click here & select your credit card.

You can check the reward points summary in the following ways:-

• By referring your latest credit card statement or
• By Login to Chatbot ILA using your online account user ID and password and asking about reward points
• By giving missed call at 8422845514 from your registered mobile number
• By sending an SMS -REWARD XXXX (where XXXX stands for the last 4 digits of your card number) to 5676791 from your registered mobile number
• By logging in to sbicard.com > Dashboard > at the bottom, the rewards points summary & expiring rewards points are displayed.
• By login SBI Card mobile app.

Following charges/ transactions / activities made by you will not be eligible for earning Reward Points:

• Balance Transfers, Balance Transfers on EMI.
• Cash advances (Domestic and Foreign)
• Easymoney
• Encash
• Dial a Draft
• ATM Withdrawals
• Financial charges (e.g. late payment fees, dishonored cheque charges, service fees, transaction charges)
• e-Wallet loading transactions identified under MCCs 6540 and 6541 on best effort basis w.e.f 1st July 2020. Apollo SBI Card will continue earning Reward Points as per the card feature on e-Wallet Loading transactions
• Purchases at petrol pumps/service stations
• Any charge incurred prior to your enrollment date
• Any payment made using ‘Points + Pay’ option to redeem reward points on the rewards catalogue
• Accelerated Reward Points under Departmental Stores (MCC 5311) and Grocery Stores & Supermarkets (MCC 5411) for merchants - Metro Cash & Carry, Reliance Market and Walmart on SBI Elite /Signature Card, SimplySAVE Card and SBI Prime / Platinum Card. However, identification of eligible & non-eligible transactions on these merchants for the purpose of Rewards shall be done by SBICPSL on a best effort basis
•Transactions identified under MCCs 6540 and 6541 will not earn Reward Points. The MCC parameters considered for identification are defined by Network partners (Visa, MasterCard and Rupay)
• Card Protection Plan charges debited on your SBI Credit Card will not accrue any Reward Points on the card account
• Accrual of 5X Reward Points on online Rent Payment transactions with SimplyCLICK SBI Card and SimplyCLICK Advantage SBI Card will be revised to 1X Reward Points with effect from 01 MAY’23. Eligible rent payment transactions for the purpose of Reward Points shall be identified under Merchant Category Code (MCC) 6513 on best effort basis.
• W.e.f. 01 Jul 2023, accrual of Reward Points will be discontinued for Rent Payment transactions on following credit cards: Aditya Birla SBI Card, Apollo SBI Card, BPCL SBI Card, Delhi Metro SBI Card, Mumbai Metro SBI Card, Chennai Metro SBI Card, Fabindia SBI Card, IRCTC SBI Card, Ola Money SBI Card & Yatra SBI Card. Eligible Rent Payment transactions for the purpose of Reward Points shall be identified under Merchant Category Code (MCC) 6513 on best effort basis.
• W.e.f. 01 Apr 2024, accrual of Reward Points on Rent Payment transactions will be discontinued for certain credit cards. Please refer https://sbicard.com/cardslist for the list of cards. Rent Payment transactions shall be identified under Merchant Category Code (MCC) 6513, on best effort basis.
•W.e.f. 15 Apr 2024, accrual of Reward Points on Rent Payment transactions will be discontinued for certain credit cards. Please click here for the list of cards. Rent Payment transactions shall be identified under Merchant Category Code (MCC) 6513, on best effort basis.
•W.e.f. 01 Jun 2024, accrual of Reward Points on Govt Related transactions will be discontinued for certain credit cards. Please click here for the list of cards. Government related transactions shall be identified under Merchant Category Codes (MCC) 9399 and 9311, on best effort basis.
•W.e.f. 15 July 2024, accrual of Reward Points on Govt Related transactions will be discontinued for certain credit cards. Please click here for the list of cards. Government related transactions shall be identified under Merchant Category Codes (MCC) 9399 and 9311, on best effort basis.
•W.e.f. 1 Dec 2024, accrual of Reward Points on spends done on Digital Gaming Platforms/Merchants will be discontinued for certain credit cards. Please click here for the list of cards. Transactions on Digital Gaming Platforms/Merchants shall be identified under Merchant Category Codes (MCC) 5816, 7993 and 7994, on best effort basis. TnC