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Guide

How to Apply for the SBI Central Credit Card in 2026

Jay Dodiya's profile photo Jay Dodiya
3 min read
Reviewed by Jiyan Kazi Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: SBI Central Credit Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the SBI Central Credit Card in 2026

How to apply Total time: 10 min · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the co-branded SBI Central Credit Card and earn 5X reward points on Shoppers Stop, Home Centre, and other Central brands.

  1. Check Central card eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
  2. Apply online via SBI Card website or Central app — Visit sbicard.com → Personal → Credit Cards → Central. The application is also available on the Central app → My Profile → Credit Cards.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in SBI Card app. Approval takes 5–10 working days.
  6. Receive the card and activate — 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.
  7. Use on Central brand stores — 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.
  8. Chase the milestone voucher — Spend ₹1 lakh in a year to earn a ₹500 gift voucher. Track progress in the SBI Card app under Milestones.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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