New Delhi. If you use State Bank of India (SBI) debit or credit card, the reward points you get on every swipe can make a big difference to your pocket. Many times people keep earning reward points, but do not know how to use them. The result is that thousands of points expire without any reason. SBI Reward Points program gives customers free or discounted benefits in dozens of categories including shopping, travel, dining, utility bills. All you need to understand is how these points are obtained, how they work and how they are redeemed.
What are SBI Reward Points?
SBI gives reward points to its card users on every purchase. This is a kind of loyalty benefit, in which the more you use the card, the more points you will accumulate. Later these can be used on cashback, gift vouchers, travel tickets, gadgets, lifestyle products, dining offers or EMIs.
How to get reward points?
Reward points rules may vary on any SBI card, but generally they are found like this-
1. Points on every Rs 100 spent
On most cards, you get 1-5 reward points for every Rs 100 spent. This number is even higher on premium cards.
2. Additional points on special categories
– shopping online
– e-commerce app
– Grocery stores
– Travel Booking
There is a chance of getting points up to 5X or 10X on these.
3. Welcome Bonus and Annual Bonus
Many cards initially offer 1,500–2,000 points as a welcome gift. Bonus points are also available on completing annual expenses.
4. Milestone Benefits
Additional reward points are added to your account once you exceed certain spending limits.
Where can reward points be used?
The benefits of SBI Reward Points are not limited to online shopping only. The list of their uses is long-
1. Shopping
Through SBI Rewardz portal, everything like mobile, earphones, home appliances, fashion and beauty products can be purchased with points.
2. Travel and Hotel Booking
– flight ticket
– Hotel Stay
– Holiday Package
– Bus Booking
If you travel every month for work or vacation, reward points reduce travel expenses.
3. Gift Cards and Vouchers
Gift cards and vouchers of many brands can be purchased with points through SBI Rewardz portal.
4. Mobile and DTH recharge
Recharge directly with points—no coupons, no hassle.
5. Utility Bill Payment
Points can also be used to pay electricity, water, gas and phone bills on some cards.
How to redeem SBI Reward Points?
The redemption process is easy. You can redeem in two ways depending on the card type-
A. For SBI Credit Card users
Step 1: Log in to SBI Card website or mobile app.
Step 2: Check your points balance.
Step 3: Open Reward Catalog. Here you will find hundreds of products and vouchers.
Step 4: Select the product of your choice and click on ‘Redeem’.
Step 5: Confirm redemption.
B. To redeem SBI Rewardz Points
Step 1: Visit https://rewardz.sbi.bank.in or open the YONO SBI app.
Step 2: Check your points balance.
Step 3: Open Reward Catalog. Here you will find hundreds of products and vouchers.
Step 4: Select any of the available options Shopping, Travel, Gift Card.
Step4: Pay directly with points or select part-payment (points + cash).
Offline Method: Redeem by calling customer care
First of all call SBI customer care number from your registered mobile number.
The customer care executive will ask for some basic details to verify your identity. Tell the executive that you want to redeem your reward points. It will give you information about the total points available in your account and the categories in which they can be used. Customer Care will advise you of the redemption options – Product, Voucher, Travel, Cashback (wherever applicable). Now tell your choice.




























