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SBI Visa® Secured Card
- Regular Purchase APR 20.99% variable based on the Prime Rate
- Balance Transfer APR 20.99% variable based on the Prime Rate
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee $35
- Credit Needed Poor , No Credit Required
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- 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
Credit Card Deals
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Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details
SBI Visa® College Real Rewards Card
- 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
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , No Credit Required
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- 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
Rates & Fees
- 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
Credit Card Deals
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details
SBI Premier Rewards American Express® Card
- 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
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None for the first year, $99 after that
- Credit Needed Excellent , Good
- Processing Network American Express
Best Benefits
- 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
Rates & Fees
- 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
Credit Card Deals
Spend $175 or more, get $35 back Hampton by Hilton & Hilton Garden Inn Offer Expires on Aug 08, 2021 See Details
SBI Visa® Real Rewards Card
- 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
- Cash Advance APR 25.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network Visa
Best Benefits
- 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 protection
Rates & Fees
- 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
Credit Card Deals
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details
SBI Cash Rewards American Express® Card
- 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 Rat
- Cash Advance APR 23.99% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for 6 months from account opening date
- Processing Network American Express
Best Benefits
- No annual fee
- 3% cash back on the first $6,000 in eligible net purchases made each year at gas stations.
- 2% back on net purchases made at supermarkets and 1% back on all other purchases
- No limit on the total amount of rewards you can earn
- $25 cash back reward bonus after first purchase
Rates & Fees
- 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 Rat
- 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
- 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
Credit Card Deals
Spend $175 or more, get $35 back Hampton by Hilton & Hilton Garden Inn Offer Expires on Aug 08, 2021 See Details
SBI Visa® Platinum Card
- Regular Purchase APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 25.49% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good
- Intro Purchase APR 0% for the first 20 months
- Processing Network Visa
Best Benefits
- No annual fee
- 0% introductory APR on purchases and balance transfers
- Pay down existing balances with an everyday low rate
- Visa benefits and protections
Rates & Fees
- Intro Purchase APR: 0% for the first 20 months
- Regular Purchase APR: 13.49% to 23.49% variable based on creditworthiness and the Prime Rate
- Intro Balance Transfer APR: 0% for the first 20 months
- Balance Transfer APR: 13.49% 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: 25.49% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% 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 $40
- Return Payment Penalty Fee: Up to $40
Credit Card Deals
Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
Save 2% on purchases of $30 or more at Papa John’s Papa John's Offer Expires on Aug 08, 2021 See Details
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1About 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:
What credit report does State Bank of India pull?
- SBIC currently pulls your Experian credit report when applying for a loan.
Can you bank with State Bank of India if you live outside California?
- Yes. While the bank currently only has branches in seven California locations, anyone can bank with SBIC.
What are SBIC Rewards points worth?
- 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.
What credit score do you need to get an SBIC credit card?
- 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.
