{"id":8644,"date":"2026-05-20T12:35:01","date_gmt":"2026-05-20T07:05:01","guid":{"rendered":"https:\/\/tradebrains.in\/money\/?p=8644"},"modified":"2026-05-21T10:17:37","modified_gmt":"2026-05-21T04:47:37","slug":"top-5-sbi-credit-cards-for-650-cibil-score-best-cashback-rewards-cards-to-improve-your-credit-score","status":"publish","type":"post","link":"https:\/\/tradebrains.in\/money\/top-5-sbi-credit-cards-for-650-cibil-score-best-cashback-rewards-cards-to-improve-your-credit-score\/","title":{"rendered":"Top 5 SBI Credit Cards for 650+ CIBIL Score: Best Cashback & Rewards Cards to Improve Your Credit Score"},"content":{"rendered":"\n
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Synopsis: <\/strong>This article mentions the best SBI credit cards for the people who have a 650+ CIBIL score. It is based on entry-level and co-branded credit cards that are still available for users and offers a scope to improve credit score.<\/em><\/p>\n<\/blockquote>\n\n\n\n

A CIBIL score of 650+ is regarded as a fair credit score in India, which means that the individual has a moderate repayment record with room for improvement. Though there are restrictions on premium credit cards for people with such scores, they are not totally restricted. SBI Card is one of the largest credit card issuing banks in the country and provides various entry-level and co-branded credit cards to its users with average credit scores. These cards also allow spending flexibility to users.\u00a0<\/p>

\"scapia<\/a><\/div>\n\n\n\n

1. SimplySAVE<\/strong> SBI Card<\/a><\/strong><\/h2>\n\n\n\n
\"Image:<\/a><\/figure>\n\n\n\n
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  • Fee:<\/strong>\n
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    • Joining Fee:<\/strong>  \u20b9499 + GST<\/li>\n\n\n\n
    • Annual Fee:<\/strong>  \u20b9499 + GST<\/li>\n\n\n\n
    • Fee Waiver: <\/strong>Annual fee waived if annual spending exceeds \u20b91 lakh.<\/li>\n<\/ul>\n<\/li>\n\n\n\n
    • Benefits: <\/strong>\n
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      • 10X reward points per \u20b9150 spent on dining, movies, departmental stores, and grocery<\/li>\n\n\n\n
      • 1 reward point per \u20b9150 on other eligible spends <\/li>\n\n\n\n
      • 2,000 bonus reward points worth \u20b9500 on spending \u20b92,000 or more in the first 60 days<\/li>\n\n\n\n
      • 4 Reward points = Re 1 <\/li>\n\n\n\n
      • Pay your outstanding bill using your reward points <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

        To apply for the card, please visit the Official Website<\/a><\/strong><\/p>\n\n\n\n

        2. IRCTC SBI <\/strong>Card <\/a><\/strong><\/h2>\n\n\n\n
        \"SBI<\/a><\/figure>\n\n\n\n
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        • Fee:<\/strong>\n
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          • Joining Fee:<\/strong> \u20b9500 + GST<\/li>\n\n\n\n
          • Annual Fee:<\/strong> \u20b9500 + GST<\/li>\n<\/ul>\n<\/li>\n\n\n\n
          • Benefits:<\/strong>\n
              \n
            • Get 350 activation bonus reward points on single transaction of \u20b9500 or more within 60 days of card issuance<\/li>\n\n\n\n
            • Earn up to 10% value back on IRCTC train ticket bookings via IRCTC app and website applicable on AC1, AC2, AC3, Executive Chair Car, Chair Car <\/li>\n\n\n\n
            • 1 Reward Point per \u20b9125 spent on non-fuel retail transactions<\/li>\n\n\n\n
            • Milestone benefits: 500 Reward Points on payment of renewal fee<\/li>\n\n\n\n
            • 4 complimentary railway lounge visits per year (1 per quarter) <\/strong><\/li>\n\n\n\n
            • 1% Fuel Surcharge Waiver on every transaction between \u20b9500 and \u20b93000 at all petrol stations. Maximum \u20b9100 per statement cycle <\/li>\n<\/ul>\n<\/li>\n<\/ul>\n\n\n\n

              To apply for the card, please visit the Official Website<\/a><\/strong><\/p>