| Credit Card Issuance and Services | Issuance of SBI branded and co-branded credit cards, payment solutions, insurance products cross-sold to cardholders. | Strong SBI parentage, vast branch network, trusted brand, wide co-brand partnerships, and diversified acquisition channels. | Primarily B2C retail consumers across various income and lifestyle segments; also B2B clients through co-brand partnerships. | Interest income from revolving credit balances and high-spend card segments. | 18637 | 100 | Revenue from interest on receivables, transaction fees, annual fees, late fees, and commissions from insurance sales. | Usage-based fees, interest charges, annual fees; combination of direct charges and revenue sharing with partners. | Increasing digital payments adoption, strategic partnerships, card acquisitions, evolving product portfolio. | SimplySave, SimplyClick, Prime, Elite, IRCTC SBI Card Premier, BPCL SBI Card OCTANE, Paytm SBI Card SELECT, Reliance SBI Card, Titan SBI Card. |
