How to Apply for the SBI Central Credit Card in 2026

title: "How to Apply for the SBI Central Credit Card in 2026" slug: how-to-apply-for-sbi-central-credit-card excerpt: "Apply for the co-branded SBI Central Credit Card and earn 5X reward points on Shoppers Stop, Home Centre, and other Central brands." category: how-to-apply tags:

• sbi
• central
• shopping
• rewards
• lifetime-free relatedCards:
• sbi-central heroImage: /images/guides/sbi-central.svg publishedAt: "2026-06-18T16:57:30.255Z"

The SBI Central Credit Card is a co-branded lifetime-free card for Central (Future Group) shoppers. It offers 5X reward points on Central brand spends (Shoppers Stop, Home Centre, Central stores), 2X on all other retail, 1% fuel surcharge waiver, and a milestone voucher of ₹500 on spends of ₹1 lakh in a year. The card is targeted at users who shop at Central stores regularly.

Why this matters

If you spend ₹5,000/month at Central, Shoppers Stop, or Home Centre, the 5X gives you 250 points/month. The card is a strong choice for users who shop at Central stores for fashion and home decor. The card is open to non-SBI customers.

Related cards

How to Apply for the SBI Central Credit Card in 2026

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    <h4 class="mb-1 text-base font-semibold text-ink">Check Central card eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via SBI Card website or Central app</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit sbicard.com → Personal → Credit Cards → Central. The application is also available on the Central app → My Profile → Credit Cards.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in SBI Card app. Approval takes 5–10 working days.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Receive the card and activate</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, the card is delivered within 5 working days. Activate via IVR, SBI Card app, or at any SBI ATM by setting a 4-digit PIN.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Use on Central brand stores</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card at Central, Shoppers Stop, Home Centre, and other Central brand stores to earn 5X reward points. The 5X is capped at 5,000 points per month.</p>
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    <h4 class="mb-1 text-base font-semibold text-ink">Chase the milestone voucher</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Spend ₹1 lakh in a year to earn a ₹500 gift voucher. Track progress in the SBI Card app under Milestones.</p>
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Common mistakes to avoid

The 5X is restricted to Central brand stores — non-Central stores earn only 2X. The 5X is also capped at 5,000 points per month. Going above the cap earns 2X on the rest.

Pro tips

• Use the card on Central, Shoppers Stop, and Home Centre to maximise 5X
• Track the 5,000 points/month cap in the SBI Card app
• Pair with SBI SimplyCLICK for online shopping
• Chase the ₹500 milestone voucher with a yearly spend of ₹1 lakh

Frequently asked questions

Is SBI Central lifetime free?

Yes. The card has no joining or annual fee. There is no fee waiver target.

What is the 5X cap?

5X on Central brand spends is capped at 5,000 points per month.

Does the 5X apply to non-Central stores?

No. The 5X is restricted to Central brand stores. Non-Central stores earn 2X.