Looking to grab a new credit card but don’t want to start with a zero balance? You are in the right place! In 2026, SBI Card is running a massive “Refer & Earn” campaign that is a total win-win for both the person referring and the new user. If you use a verified SBI Credit Card referral code, you don’t just get a premium card; you get a “Welcome Loot” to kickstart your shopping.
Whether you’re eyeing the SimplyCLICK for online shopping or the Cashback SBI Card for universal 5% savings, using a referral link is the smartest “Tricky Brain” move you can make today.
Featured Referral Deal (January 2026)
Loot Alert: This offer is valid for all major SBI Card variants including SimplyCLICK, SimplySAVE, and Elite.
| Benefit Type | Reward Details | Validity |
| New User Reward | ₹500 Amazon Voucher | First Spend of ₹500+ |
| Referrer Reward | ₹500 Amazon Voucher | Per Successful Lead |
| Annual Potential | Up to ₹25,000 | Max 50 Referrals/Year |
| Button | Apply via Referral Link Now | Active & Verified |
What is the SBI Credit Card Referral Offer?
The SBI Credit Card referral program allows existing cardholders to invite friends and family to join. When the new user (Referee) applies through a unique referral link and makes their first transaction of ₹500 or more within 90 days, both parties receive a ₹500 Amazon Gift Voucher.
Why You Need an SBI Credit Card in 2026
In 2026, SBI Cards are dominating the “Loot” scene in India. Here’s why the DealsExport community loves them:
- SimplyCLICK: Best for “online-first” users with 10X rewards on partners like Apollo 24×7, BookMyShow, and Cleartrip.
- Cashback SBI Card: The ultimate all-rounder giving 5% cashback on all online spends without merchant restrictions.
- SBI Elite: For the luxury travelers—offering complimentary airport lounge access and free movie tickets worth ₹6,000 annually.
- SimplySAVE: Perfect for daily offline loots like dining, movies, and grocery shopping.
How to Get Your SBI Credit Card Referral Benefit (Step-by-Step)
Follow these Tricky Brain steps to ensure your voucher doesn’t get stuck:
- Click the Link: Use a verified referral link from a friend or the one provided above.
- Choose Your Card: Select the card that fits your lifestyle (we recommend SimplyCLICK for beginners).
- Complete E-Apply: Fill in your details. Ensure the referral code is pre-filled or visible during the process.
- KYC & Approval: Complete the digital KYC. Once approved, your physical card will arrive in 5–7 working days.
- The “Loot” Trigger: Within the first 90 days, make a single payment of ₹500 or more.
- Claim Voucher: Your ₹500 Amazon Voucher will be sent to your registered mobile/email within 90 days of the transaction.
Maximize Your Earnings: The ₹25,000 Strategy
Once you have your card, you become a Referrer. You can refer up to 50 people per calendar year.
- Calculation: 50 Referrals x ₹500 = ₹25,000 in Amazon Vouchers.
- Loot Tip: Share your link in your family WhatsApp groups or with colleagues looking to save on fuel and groceries.
Comparison: SBI Referral vs. Others
| Feature | SBI Card Referral | HDFC Bank Referral |
| New User Reward | ₹500 Voucher | Varies (often points) |
| Condition | Spend ₹500 | Varies (often ₹2500+) |
| Reward Delivery | Within 90 Days | 60–90 Days |
| Annual Cap | 50 Referrals | Usually 10–20 |
In 2026, having an SBI Credit Card in your wallet is like having a master key to the biggest “loots” in India. Whether you want to grab 90% OFF fashion deals right now or decide which card will give you the most “bachat” long-term, DealsExport has analyzed the data to give you the winning strategy.
Here is your Tricky Brain guide to the January 2026 loots and the ultimate card showdown.
90% OFF Loot Alert: Ajio Fashionation Sale (Jan 2026)
If you just got your SBI card, the first place you should “swipe” is Ajio. Their Fashionation Republic Sale is currently live (Jan 26–31, 2026) and it is hitting the absolute maximum discount levels.
| Category | Typical Discount | Tricky Brain Loot (Sale + Code + SBI) |
| Ethnic Wear (Biba, Ri-Wah) | 50% – 60% | Up to 90% OFF (Use Code: REPUBLIC77) |
| Sneakers (Red Tape, Puma) | 40% – 50% | Flat 80% OFF + 10% SBI Valueback |
| Premium (GAP, Superdry) | 30% – 40% | Min 50% OFF + Extra 10% Bank Off |
How to get the 90% Loot:
- Code Stacking: Use the code REPUBLIC77 on orders above ₹2490 for an extra discount.
- SBI Bonus: Most January sales offer a 10% Instant Discount (or 5% Instant + 5% Valueback) on SBI Cards.
- New User Combo: If this is your first Ajio order, use code NEW30 for an extra 30% OFF.
Card Battle: SimplyCLICK vs. Cashback SBI Card
Not sure which card to pick? If you shop online, these are the two heavyweights. Here is the DealsExport comparison:
| Feature | SBI SimplyCLICK | Cashback SBI Card |
| Joining Fee | ₹499 + Taxes | ₹999 + Taxes |
| Best For | Beginners & Partner Brands | Pure Online Value (The “Loot” Card) |
| Online Rewards | 10X Points at Partners (Myntra, Apollo) | Flat 5% Cashback (Universal) |
| Other Online | 5X Reward Points (1.25% value) | Flat 5% Cashback |
| Offline Spends | 1 Point per ₹100 (0.25% value) | 1% Cashback |
| Welcome Gift | ₹500 Amazon Voucher | No specific voucher (Cashback focus) |
| Annual Waiver | Spend ₹1 Lakh in a year | Spend ₹2 Lakh in a year |
The DealsExport Verdict:
- Choose SimplyCLICK if: You are a first-time user, shop heavily on Myntra, Apollo 24×7, or Swiggy, and want a low-fee card with a guaranteed ₹500 welcome voucher.
- Choose Cashback Card if: You want unlimited 5% savings on every online site (Amazon, Flipkart, Ajio, etc.) without worrying about “partners.” It is the most powerful “Loot” card for serious shoppers.
Tricky Brain Pro-Tips for January 2026
- The “Sale Voucher” Trick: SimplyCLICK cardholders often get ₹2,000 Milestone Vouchers for reaching ₹1 Lakh and ₹2 Lakh annual spends. This can effectively make your shopping “free” during the next big sale.
- Prepaid Advantage: During the Amazon and Ajio Republic Day sales, choosing “Prepaid” and paying with your SBI Card often unlocks an extra 5% to 10% instant price cut on top of the sale discount.
- Amazon Bazaar Loot: If you are buying home essentials, check Amazon Bazaar. New users can get up to 50% OFF and you can stack your SBI 10% discount on top.
In 2026, electronics are getting smarter and sleeker, and your new SBI Credit Card is the secret weapon to scoring them at “Loot” prices. Whether you want to grab 80% OFF tech deals on Amazon right now or need the “Tricky Brain” guide to applying for the SimplyCLICK card, DealsExport has the ultimate roadmap for you.
Top 80% OFF Electronics Deals on Amazon (Jan 2026)
The Amazon Great Republic Day Sale (Jan 16–22, 2026) has just concluded, but the “After-Sale Clearance” is still live for select categories! If you missed the peak, you can still find massive savings by stacking your SBI card.
| Electronics Category | Typical Discount | Tricky Brain Loot (Sale + SBI Bank Off) |
| Headphones & Speakers | 50% – 60% | Up to 75% OFF (Sony WH-1000XM4 at ₹22,990) |
| Smartwatches | 40% – 50% | Up to 75% OFF (Galaxy Watch6 at ₹14,999) |
| Computer Accessories | 30% – 40% | Up to 60% OFF (Mice, Keyboards, Webcams) |
| Smart Home Gadgets | 40% – 50% | Up to 70% OFF (Projectors & Echo devices) |
How to get the 80% Electronics Loot:
- Bank Stacking: Even after the main sale, SBI Credit Cards often provide a 10% Instant Discount on electronics transactions above ₹5,000.
- Bonus Vouchers: Look for “Apply Coupon” boxes on product pages for an extra ₹500 – ₹1,000 off.
- Exchange Bonus: Trading in an old phone or laptop can get you up to ₹10,000 extra on top of the deal price.
Step-by-Step: How to Apply for SBI SimplyCLICK (The “Starter Loot”)
If you don’t have the card yet, the SimplyCLICK is the best way to start because it pays for itself immediately with a ₹500 Amazon Voucher.
Phase 1: Eligibility Check
- Age: 21 – 65 years (Salaried) or 25 – 65 years (Self-employed).
- Income: Minimum monthly income of ₹15,000.
- Credit Score: A score of 730+ is recommended for instant approval.
Phase 2: The Application Process
- Visit E-Apply: Go to the SBI Card E-Apply Portal and select SimplyCLICK.
- Personal Details: Enter your name, mobile number, and city.
- Professional Info: Provide your PAN card number and annual income details.
- Digital KYC: Upload a photo of your Aadhaar card (masked) and a selfie for instant verification.
- Submit & Track: Once submitted, you’ll get an application ID. Cards are typically delivered within 5–7 working days after approval.
Phase 3: Claiming the ₹500 Welcome Loot
- After your card is approved and the ₹499 joining fee is paid in your first statement, SBI will send a ₹500 Amazon Gift Card to your registered mobile number/email.
Why SimplyCLICK is the Ultimate Online Card
- 10X Reward Points: On partners like Myntra, Apollo 24×7, Netmeds, and Cleartrip.
- 5X Reward Points: On ALL other online spends (Amazon, Flipkart, etc.).
- Annual Fee Waiver: Spend ₹1 Lakh in a year and the ₹499 fee is reversed for the next year.
FAQ: SBI Credit Card Referral 2026
Q1. Where can I find my own referral code?
Answer: Log in to the SBI Card App or Website, go to the “Benefits” or “Offers” section, and look for “Refer & Earn”. You can share your link via WhatsApp or SMS directly from there.
Q2. Is the ₹500 voucher real cash?
Answer: It is an Amazon Gift Voucher. You can add it to your Amazon Pay balance and use it for shopping, recharges, or bill payments.
Q3. Can I refer someone who already has an SBI card?
Answer: No. The referral is only valid for new customers who do not currently hold an SBI Credit Card.
Conclusion:-
Guys, don’t miss out on this ₹500 Welcome Loot. If you’re planning to apply for an SBI card anyway, using a referral link is the smartest way to get a “free lunch” on your first purchase. Whether you’re chasing rewards or cashback, SBI has a card for every “Tricky Brain” out there.
If you’re having trouble with the application or your referral status isn’t showing, comment below! I’ll help you navigate the SBI dashboard like a pro.
👉 Apply for SBI Credit Card & Claim Your ₹500 Voucher
Keep sharing this guide with your DealsExport friends and happy looting!