How to Apply for the SBI Central Credit Card in 2026
Apply for the co-branded SBI Central Credit Card and earn 5X reward points on Shoppers Stop, Home Centre, and other Central brands.
Rahul Godeshvar
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.
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SBI Central
How to Apply for the SBI Central Credit Card in 2026
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
Written by
Rahul Godeshvar
Editorial disclosure
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