SBI Credit Cards, Loans & Savings Accounts 2026
This page brings together every SBI product we track — 4 credit cards, 3 loans, 1 savings accounts. Use it to see how SBI's interest rates, fees and eligibility stack up before you visit the bank's official website.
SBI Credit cards
| Credit Cards | Annual Fee | Best For | CardKhoj rating |
|---|---|---|---|
| SBI ELITE | ₹4,999 + GST | Premium Lifestyle | 4.6 |
| SBI CashBack Card | ₹999 + GST | Pure Cashback | 4.5 |
| SBI SimplyCLICK | ₹499 + GST | Direct Online Shopping | 4.3 |
| SBI SimplySAVE | ₹499 + GST | Everyday Spending | 4.2 |
SBI Personal loans
SBI (Xpress Credit) Personal Loan
- Interest Rate
- 11.15% - 14.30%
- Loan Amount
- Up to ₹20,00,000
- Tenure
- Up to 72 months
- Processing Fee
- 0.50% - 1.00%
SBI's personal loan stands out for its rock-bottom processing fees of just 0.50-1.00%, the lowest in the industry. Government and corporate employees get preferential rates that are hard for private banks to match. Interest calculated on reducing daily balance saves you real money over the full tenure.
SBI Home loans
SBI Home Loan Home Loan
- Interest Rate
- 8.40% - 9.65%
- Loan Amount
- Up to ₹10 Crore
- Tenure
- Up to 30 years
- Processing Fee
- 0.35% (Min ₹2,000, Max ₹10,000)
India's largest home loan provider with the most competitive rates starting at just 8.40%. A special 0.05% concession for women borrowers and PMAY subsidy eligibility make it the go-to choice for first-time home buyers. No pre-payment penalty on floating rate and doorstep documentation service add real convenience.
SBI Car loans
SBI Car Loan Car Loan
- Interest Rate
- 8.65% - 9.80%
- Loan Amount
- Up to 90% On-road
- Tenure
- Up to 84 months
- Processing Fee
- Nil to ₹1,500
SBI consistently offers the lowest car loan interest rates in India, starting at just 8.65%. Zero pre-payment penalty means you can close the loan anytime without paying extra charges. The longest tenure option at 84 months keeps EMIs affordable even for expensive car purchases.
SBI Savings accounts
SBI — Regular Savings
- Interest Rate
- 2.70% - 3.00%
- Min Balance
- ₹3,000 (Metro) / ₹1,000 (Rural)
- Best For
- Widest Reach & Trust
SBI: frequently asked questions
Which is the best SBI credit card?
Among the 4 SBI cards we review, the SBI ELITE has our highest rating (4.6/5) and is best for premium lifestyle. The right card depends on your spending, so compare annual fees and reward categories before applying.
Does SBI offer a lifetime free credit card?
None of the SBI cards we track are lifetime free, but most offer an annual fee waiver when you reach a yearly spend target.
What is the SBI personal loan interest rate?
SBI personal loans are offered at 11.15% - 14.30% per annum for amounts of Up to ₹20,00,000 and tenures of Up to 72 months. The processing fee is 0.50% - 1.00%. Your exact rate depends on your credit score, income and employer.
What is the SBI home loan interest rate?
SBI Home Loan home loans are offered at 8.40% - 9.65% per annum, with tenures up to 30 years and a processing fee of 0.35% (Min ₹2,000, Max ₹10,000).
What is the SBI car loan interest rate?
SBI car loans are available at 8.65% - 9.80% per annum, funding up to 90% on-road price for Up to 84 months.
What is the SBI savings account interest rate?
The SBI Regular Savings account pays 2.70% - 3.00% interest, with a minimum balance requirement of ₹3,000 (Metro) / ₹1,000 (Rural).