India, May 20 -- A CIBIL score of 650+ is regarded as a fair credit score in India, which means that the individual has a moderate repayment record with room for improvement. Though there are restrictions on premium credit cards for people with such scores, they are not totally restricted. SBI is one of the largest credit card issuing banks in the country and provides various entry-level and co-branded credit cards to its users with average credit scores. These cards also allow spending flexibility to users.

1. SBI SimplySAVE Credit Card Fee: Joining Fee: Rs499 + GST Annual Fee: Rs499 + GST Fee Waiver: Annual fee waived if annual spending exceeds Rs1 lakh. Benefits: 10X reward points per Rs150 spent on dining, movies, departmental stor...