Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverNo standard spend waiver; offset by milestone e-gift vouchers (Pantaloons, Yatra.com at INR 5 lakh spend)
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 markup3.5% + GST
Cash advance2.5% of transaction amount (min INR 500)
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 6 - INR 9 lakh/year
Income requirementSalaried: INR 35,000 - INR 50,000; Self-employed: INR 6 - INR 9 lakh/year
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes - accelerated rewards on dining, grocery, departmental stores, utility, fuel; birthday spend bonus; capped at 7,500 pts/month on accelerated categories
Cashback %No direct cashback; 2,000 bonus reward points as welcome benefit on INR 2,000 spend in 60 days
Cashback cap7,500 reward points/month cumulative cap on accelerated categories
Redemption optionsStatement Credit; Gift Vouchers; Merchandise
Points expiry2 Years
Travel & lounge
Domestic lounge2 complimentary visits/quarter (8 visits/year) via Visa/RuPay
International lounge0 visits (no lounge benefit)
Lounge conditionsNo
Travel insuranceNo
Hotel/flight offers5% - 10% via SBI Card travel partner offers; e-gift vouchers (Pantaloons, Yatra.com at INR 5 lakh spend milestone)
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsYes - accelerated reward points on dining
Dining discountsYes - accelerated 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 offersNo
Credit limit & EMI
Default limitINR 75,000 - INR 1.5 lakh
Max limitINR 3 - INR 5 lakh
Cash withdrawal20%-40% of credit limit
EMI optionsPost-purchase; At Purchase; Yes
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
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
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
Fraud protectionReal-time Transaction Alerts; AI-Based Risk Monitoring; OTP for Online Transactions; Tokenization (RBI Mandated); Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability 4-7 days
WhatsApp supportYes - via SBI Card WhatsApp