SBI Card review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
SBI Card is a business-focused Visa card offering virtual and travel options, and it suits companies that want phone, email, help centre and community support. Monthly fees run INR 0 to INR 9,999 and currency conversion of 1.99% to 3.5% is the cost to watch when staff pay abroad.
Key facts
- Best for
- A business Visa card that needs a virtual card for online spend and a travel card for trips.
- Monthly fee
- ₹0 to ₹9,999↗
- Currency conversion fee
- 1.99% to 3.5%↗
- Card network
- Visa↗
- Legal entity
- SBI Cards and Payment Services Limited↗
- Headquarters
- India↗
- Founded
- 1998↗
- Support channels
- Phone, Email, Help-centre, Community↗
- Features
- Virtual card, Travel
- Audience
- Business
- Official website
- sbicard.com
Facts checked September 26, 2026, 2 sources
Apps and profiles
- Get the app
- App Store
- Elsewhere
- WikidataLinkedInXyoutube.com
Pros and cons
Pros
- The card runs on visa, and the range covers a virtual card and a travel card.
- Help runs on phone, email and help centre, with phone and email among the routes.
- SBI Cards and Payment Services Limited has been in the market since 1998 and issues to business accounts.
Cons
- Currency conversion of 1.99% to 3.5% applies on every purchase made in another currency.
- Fees run INR 0 to INR 9,999 across the range, so the top tier costs much more than the basic card.
- Support runs on phone, email and help centre only, without a branch or live chat.
Who it suits
- Companies that want a Visa card and a virtual card for recurring online payments.
- Businesses in IN that want help by phone or email.
- Staff who travel for work and want a travel card in the same range as their everyday card.
Who should look elsewhere
- Heavy overseas spenders, since conversion costs 1.99% to 3.5% here, and Wise is worth comparing for its own conversion pricing.
- Anyone wanting one predictable monthly charge, since fees run INR 0 to INR 9,999 while Monzo Flex lists a monthly fee of £0.
How SBI Card compares
9.3 vs 9.4
9.3 vs 9.0
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.6
9.3 vs 9.0
9.3 vs 9.1Charges a monthly fee of €0 in euros, so it sits outside the rupee pricing in INR 0 to INR 9,999.
9.3 vs 8.9
9.3 vs 8.1
9.3 vs 8.2
9.3 vs 9.5
9.3 vs 9.4
9.3 vs 9.2
9.3 vs 9.1
9.3 vs 9.0
9.3 vs 8.9- 9.3 vs 8.8
9.3 vs 8.8
9.3 vs 8.6
9.3 vs 8.5
9.3 vs 8.3
Where SBI Card is available
- Available
- India
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
How much does an SBI Card cost each month?+
Monthly fees run INR 0 to INR 9,999, so the price depends on the tier rather than a single flat rate. The premium end of the range costs noticeably more than the basic end, which means the card you pick drives the yearly spend. Compare tiers before applying.
What does SBI Card charge for currency conversion?+
Currency conversion costs 1.99% to 3.5%, and it applies on every purchase made in another currency. Spending abroad or paying overseas suppliers therefore costs more than the headline price suggests, and frequent foreign currency spend raises the total.
What kinds of SBI Card are there?+
The range covers a virtual card and a travel card, and the physical card runs on visa. A virtual card suits online and recurring payments, while the travel card is aimed at trips. All of the options sit in the same range, so choosing between them comes down to how the card is used.
How can I reach SBI Card support?+
Support runs on phone, email and help centre. Phone and email reach the same team, a help centre covers self service questions, and a community space lets other cardholders share answers. Anyone setting the card up or resolving a blocked payment has several routes to a reply.
Is SBI Card aimed at individuals or businesses?+
The card is aimed at business accounts, and the products on offer follow that. A virtual card covers online and recurring spend, while a travel card suits work trips. Someone looking for a personal everyday spending card may find less of a fit in this range.
Which country is SBI Card available in?+
The card comes from SBI Cards and Payment Services Limited, based in India, and is issued for business accounts. Support runs on phone, email and help centre for anyone who needs help with the card, a payment or a fee.
Who issues the SBI Card?+
The issuer is SBI Cards and Payment Services Limited, a company that has been in the market since 1998. The same company looks after the virtual card and the travel card, so support questions go to the same organisation regardless of which card in the range you hold.
Which network does the SBI Card use?+
The card runs on visa, so it is accepted wherever visa cards are accepted, including abroad. That matters for business travel and for paying overseas suppliers, since the network is shared with cards from other issuers.
Sources
- sbicard.com/en/most-important-terms-and-conditions.page checked September 26, 2026
Backs: Currency conversion fee, Monthly fee, Card network, Support channels
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles). 3% for SBI Card Miles, 2.5%...”
- sbicard.com/en/who-we-are.page checked September 26, 2026
Backs: Audience, Features, Founded, Headquarters, Legal entity
“Corporate Cards ... Business”
Compiled from 2 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Free ATM withdrawals, Card type, Protection.
Related by the facts
SBI Card
A business Visa card that needs a virtual card for online spend and a travel card for trips.