Relationship Executive

SBI Credit Card Sales Overview

SBI Card (a joint venture between the State Bank of India and GE Capital, later taken over by Carlyle Group and SBI) is one of India’s leading credit card issuers. Its sales operations focus on acquiring new customers and increasing card usage through targeted marketing, partnerships, and offers.

Key Points in SBI Credit Card Sales:

1. Customer Acquisition:
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• Sales executives approach potential customers through direct sales, telemarketing, online applications, and SBI’s branch network.
• Special campaigns are run in corporate offices, malls, and events to drive sign-ups.

1. Types of Cards Promoted:
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• Lifestyle cards, rewards cards, shopping and travel cards, co-branded cards (like SBI Card IRCTC, Air India, Ola, etc.), and premium cards.
• Different cards are pitched based on customer profile, spending habits, and income bracket.

1. Sales Channels:
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• Physical Sales: Face-to-face interactions in branches or public spaces.
• Digital Sales: Through SBI’s online portal, app, and third-party platforms.
• Partnership Sales: Collaboration with retail outlets, e-commerce players, and service providers.

1. Offers & Incentives:
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• Welcome benefits, cashback, reward points, and discounts are highlighted during sales pitches.
• Sales teams often use limited-time offers to create urgency.

1. Compliance & Verification:
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• Sales representatives ensure KYC documentation and eligibility checks.
• Applications undergo approval based on income, CIBIL score, and repayment history.

1. Sales Workforce:
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• A large team of field executives, relationship managers, and telecallers drive the credit card business.
• Performance is measured by card activations, usage volume, and customer retention.

👉 In short, SBI Credit Card Sales is about promoting a wide range of cards, acquiring new customers, driving spending, and building long-term relationships through offers and services.