Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverAnnual fee reversed on annual spends ≥ INR 10 lakh
Interest rate3.0% per month (36.0% per annum (p.a.))
Late paymentNil for ≤INR 500; INR 500 for INR 501-INR 5,000; INR 600 for INR 5,001-INR 10,000; INR 750 above INR 10,000 (GST extra)
Forex markup1.99% + GST (lowest among co-branded cards)
Cash advance2.5% of transaction amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000
Min income (self-emp.)INR 9 - INR 12 lakh/year
Income requirementSalaried: INR 50,000 - INR 75,000; Self-employed: INR 9 - INR 12 lakh/year
Credit score750 - 800
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes - 5X Reward Points on Dining, Departmental Stores, Grocery; Milestone bonus: up to 50,000 bonus pts/year (10,000 pts at INR 3L & INR 4L; 15,000 pts at INR 5L & INR 8L); capped at 10,000 pts/month on accelerated categories
Cashback %No direct cashback; Welcome e-Gift Voucher INR 5,000 (Yatra/Bata/Pantaloons/Shoppers Stop/Aditya Birla Fashion) on annual fee payment
Cashback cap10,000 reward points/month cap on dining, grocery, departmental store spends
Redemption optionsStatement Credit; Gift Vouchers; Merchandise; Flights & Hotels (via Yatra.com redemption)
Points expiry2 Years
Travel & lounge
Domestic lounge2 complimentary visits/quarter (8 visits/year) via Visa/RuPay
International lounge6-8 visits/year (6 complimentary via Priority Pass; max 2/quarter; $27 charge after free visits)
Lounge conditionsNo
Travel insuranceNo (air accident cover discontinued from July 2025)
Hotel/flight offers10% - 15% via Yatra.com + partner hotel/travel offers; Welcome voucher INR 5,000 across Yatra/Pantaloons/Shoppers Stop
ConciergeNo
Forex waiver1.99% (reduced from standard 3.5% - significant waiver)
Lifestyle
Dining benefitsYes - 5X reward points on dining
Dining discountsYes - 5X reward points on dining
Fuel surchargeYes - 1% fuel surcharge waiver on transactions INR 500-INR 4,000; max INR 250 per statement cycle
OTT subscriptionsNo
E-commerce offersYes - Shoppers Stop, Pantaloons, Aditya Birla Fashion partner vouchers
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh
Max limitINR 5 - INR 10 lakh
Cash withdrawal20%-40% of credit limit
EMI optionsPost-purchase; At Purchase; Yes - at select merchants; balance transfer to EMI option available
EMI conversionPost-purchase; At Purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1.0% per month (12% p.a.)
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - zero liability if fraud reported within 3 working days
Coverage detailsNA (air accident cover discontinued per updated policy July 2025)
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Autopay Setup; Raise Service Requests; Spend Analyzer; Credit Limit Increase Request; Add-on Card Management
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; ATM Withdrawal Toggle; Set Transaction Limits; Card PIN Reset; Report Lost/Stolen Card; Merchant Category Restrictions
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; OTP for Online Transactions; Tokenization (RBI Mandated); Zero Liability Guarantee; Behavioral Biometrics
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability 4-7 days
WhatsApp supportYes - via SBI Card WhatsApp