Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee reversed from 2nd year onwards if spends in previous year ≥ INR 1,00,000
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 20,000 - INR 35,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Income requirementSalaried: INR 20,000 - INR 35,000; Self-employed: INR 4 - INR 6 lakh/year
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes - 10 Reward Points per INR 150 on Dining, Movies, Departmental Stores, Grocery
Cashback %2,000 bonus reward points (= INR 500) as welcome benefit on INR 2,000 spend in first 60 days
Cashback cap10X rewards on dining, movies, grocery (capped at standard SBI Card limits per month)
Redemption optionsStatement Credit; Gift Vouchers; Merchandise
Points expiry2 Years
Travel & lounge
Domestic lounge0 visits (no lounge benefit)
International lounge0 visits (no lounge benefit)
Lounge conditionsNo spend condition (see issuer for current terms)
Travel insuranceNo
Hotel/flight offers0% - 5% via SBI Card partner offers
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsYes - 10X reward points on dining
Dining discountsYes - 10X reward points on dining
Fuel surchargeYes - 1% fuel surcharge waiver on transactions INR 500-INR 3,000 at any petrol pump; max INR 100 per statement cycle
OTT subscriptionsNo
E-commerce offersNo
Credit limit & EMI
Default limitINR 25,000 - INR 75,000
Max limitINR 1.5 - INR 3 lakh
Cash withdrawal20%-40% of credit limit
EMI optionsPost-purchase; At Purchase; Yes - at select merchants via SBI Card EMI programme
EMI conversionPost-purchase; At Purchase
Min EMI amountINR 2,500 - INR 3,000
Balance transferYes
BT interest rate1.0% per month (12% p.a.) - promo rate
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
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); Instant Card Block Option; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability 4-7 days
WhatsApp supportYes - via SBI Card WhatsApp