State Bank of India (California) Credit Cards

State Bank of India (California) is a division of State Bank of India – the national bank of India and one of the top 50 financial institutions in the world. The California arm of State Bank of India (SBI) features seven branches throughout the Golden State, with the headquarters in Los Angeles. Browse a selection of credit card offers below.

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SBI Visa® College Real Rewards Card

SBI Visa® College Real Rewards Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Fair / No Credit Required
Visa Processing Network
None Annual Fee

SBI Visa® College Real Rewards Card

  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.74% to 29.74% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR

At a Glance

The SBI Visa® College Rewards Card is a flat-rate rewards card that offers great value for no annual fee. The card earns 1.5X points on every purchase, plus an easy-to-achieve introductory bonus haul of 2,500 points.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 1.5X points on everyday purchases
  • 0% intro APR on balance transfers and purchases
  • No cap or limit on the points you can earn, plus you have five years to redeem points for rewards
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 19.74% to 29.74% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You live or go to college in California
  • You want a card that lets you offset the cost of buying textbooks over an entire semester
  • You prefer a card that earns a flat rate of rewards over rotating categories
  • You do’t want to pay an annual fee

SBI Visa® Platinum Card

SBI Visa® Platinum Card
Excellent-Good
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
None Annual Fee

SBI Visa® Platinum Card

  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 19.24% to 29.24% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR
  • 0% for the first 18 months Intro Purchase APR

At a Glance

The SBI Visa® Platinum Card is a balance transfer credit card that lacks the fireworks of a rewards card but makes up for it with a typically low APR and an extensive interest-free introductory period on balance transfers and purchases.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • 0% introductory APR on purchases and balance transfers
  • Pay down existing balances with an everyday low rate
  • Visa benefits and protections
  • Intro Purchase APR: 0% for the first 18 months
  • Regular Purchase APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for the first 18 months
  • Balance Transfer APR: 19.24% to 29.24% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You’re an Indian national and want a credit card that works both in California and abroad
  • You have an existing credit card balance to pay down – and would like to do so at a lower rate
  • You plan to finance a major purchase soon
  • You don’t want to pay an annual fee for a low APR card

SBI Visa® Real Rewards Card

SBI Visa® Real Rewards Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
None Annual Fee

SBI Visa® Real Rewards Card

  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 25.99% variable based on the Prime Rate Cash Advance APR
  • 0% for 6 months from account opening date Intro Purchase APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • Earn 1.5X points for every dollar spent on purchases
  • No cap or limit on the points earnable
  • Visa Zero Fraud Liability protectio
  • Intro Purchase APR: 0% for 6 months from account opening date
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Intro Balance Transfer APR: 0% for 6 months from account opening date
  • Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 25.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • N/A

SBI Visa® Secured Card

SBI Visa® Secured Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
Visa Processing Network
$35 Annual Fee

SBI Visa® Secured Card

  • 20.99% variable based on the Prime Rate Regular Purchase APR
  • 20.99% variable based on the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Receive up to a $5,000 credit limit
  • Establish a positive credit history with on-time payments
  • Minimum deposits starting from $300
  • Fixed-rate APR
  • Regular Purchase APR: 20.99% variable based on the Prime Rate
  • Balance Transfer APR: 20.99% variable based on the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: $35
  • Foreign Transaction Fee: Up to 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • Minimum Deposit Required: $300
  • N/A

SBI Premier Rewards American Express® Card

SBI Premier Rewards American Express® Card
No Credit Required
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: No Credit Required
American Express Processing Network
None for the first year, $99 after that Annual Fee

SBI Premier Rewards American Express® Card

  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 14.49% to 23.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 23.99% variable based on the Prime Rate Cash Advance APR
  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • No annual fee
  • No foreign transaction fees
  • Earn 4X points on dining; 3X on airlines; 2X on gas; and 1X on all other purchases
  • 10,000 bonus rewards points after you spend $1,000 in the first 3 month
  • Regular Purchase APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 14.49% to 23.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 3% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 23.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
  • Annual Fee: None for the first year, $99 after that
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $35
  • N/A

About State Bank of India (California)

The State Bank of India (SBI) is one of the largest banks in the world. The bank, owned by the Indian state, has its headquarters in Mumbai. The bank is currently the 236th largest financial institution worldwide, with over $7.1 trillion in assets as of December 2019.

State Bank of India (California), also known as SBIC, is one of the U.S. subsidiaries of State Bank of India, with the other being State Bank of India (Chicago).

SBIC is a wholly-owned subsidiary of the State Bank of India. The American bank traces its roots back to 1982 when it was first established as a California State Charted Bank.

The bank offers a full portfolio of banking products for businesses and personal use. These services include savings accounts, checking accounts, debit cards, money market accounts, loans mortgages, and more. The bank also offers a helpful mobile app.

The bank also specializes in money transfers to India, making it the perfect banking partner for those with ties to the Indian subcontinent.

State Bank of India (California) Branch Locations

While SBI may be one of the largest financial institutions in the world, SBIC has a much smaller presence in California. The bank currently operates just seven branches throughout the state. Current SBI locations include:

  • Los Angeles – 707 Wilshire Boulevard, Suite 2900, Los Angeles, CA 90017
  • Cerritos – 17500 Bloomfield Avenue, Suite B, Cerritos, CA 90703
  • Woodland Hills – 21724 Ventura Boulevard, Woodland Hills, CA 91364
  • San Diego – 9494 Black Mountain Road, Suite E, San Diego, CA 92126
  • Fresno – 2787 W. Shaw Avenue, Suite 101, Fresno, CA 93711
  • San Jose – 675 N. First Street, Suite 105, San Jose, CA 95112
  • Fremont – 39148 Paseo Padre Parkway, Fremont, CA 94538

The Los Angeles branch also serves as the corporate headquarters for the bank.

SBI Credit Cards

SBIC offers several personal credit cards. The bank provides both American Express and Visa credit cards. These options include rewards credit cards, student credit cards, and even a secured card for those with bad credit.

Besides the SBIC Visa Secured, which features an annual fee of $35, all other SBI credit card accounts charge no annual fee to cardholders.

SBI Rewards credit cards earn points with every purchase.  Points are redeemable as travel (airfare, hotels, and more), gift cards, or merchandise. Cash back options include statement credit or deposits into SBIC savings or checking accounts.

FAQs About State Bank of India (California)

Here are some of the most frequently asked questions about SBIC and State Bank of India credit cards:

  • SBIC currently pulls your Experian credit report when applying for a loan.
  • Yes. While the bank currently only has branches in seven California locations, anyone can bank with SBIC.
  • The current value of SBIC rewards points is approximately one center per point. The precise value of points depends on the method of redemption, however.
  • Most credit cards from State Bank of India (California) require a good credit score or excellent credit score. The State Bank of India Secured Card, however, only requires a bad credit score or even no credit history. This makes the card perfect for anyone looking to repair their credit. The College Rewards Visa also is great for establishing a credit history, only requiring a fair credit score.

Find the Best Card for You

The team at BestCards.com knows how hard it is to find your perfect credit card. This is especially true if you don’t have the right tools and knowledge. That’s why we offer insightful credit card reviews, as well as informative articles to guide you every step of the way. Browse our 1,000 reviews and find your best card today.

Editorial Disclosure – The opinions expressed on BestCards.com's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, BestCards.com lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

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BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.