Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverAnnual fee waived on INR 3,00,000+ spends in previous year
Interest rate3.5% per month (42.0% per annum (p.a.))
Late paymentTiered INR 0 to INR 1,300 by outstanding (SBI Card standard)
Forex markup3.50%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 50,000 - INR 75,000 (approx)
Min income (self-emp.)INR 6 - INR 9 lakh/year (approx)
Income requirementSalaried: INR 50,000 - INR 75,000 (approx); Self-employed: INR 6 - INR 9 lakh/year (approx)
Credit score750 - 800
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes — up to 20 RP/INR 100 on dining/groceries/departmental/movies; 10 RP/INR 100 on utility (standing instruction)
Cashback %NA (reward-points based)
Redemption optionsStatement credit, gift vouchers, merchandise, flights/hotels (SBI rewardz)
Points expiry2 Years
Travel & lounge
Domestic loungeUp to 2 visits per calendar quarter
International loungePriority Pass / golf programme (as per offer)
Lounge conditionsNo for domestic (complimentary); Yes for Priority Pass usage
Travel insuranceNo (variant dependent)
Hotel/flight offers5% - 10%; INR 3,000 vouchers on each anniversary at INR 2,00,000 annual spend; gold/diamond jewellery offers
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsYes — accelerated rewards on dining; periodic SBI dining offers
Dining discountsYes — accelerated rewards on dining; periodic SBI dining offers
Fuel surchargeYes — 1% waiver on INR 500-INR 4,000 fuel spends
OTT subscriptionsNo
E-commerce offersYes — periodic SBI Card e-commerce offers
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh (profile based)
Max limitINR 4 - INR 10 lakh (profile based; bank discretion)
Cash withdrawalUp to ~80% of credit limit
EMI optionsAt purchase / post-purchase (Flexipay); Yes — SBI Card Flexipay / no-cost EMI on partners
EMI conversionAt purchase / post-purchase (Flexipay)
Min EMI amountINR 2,500+ (Flexipay)
Balance transferYes — SBI Card Balance Transfer on EMI
BT interest rateAs per SBI Card BT offer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes — SBI Card lost-card liability cover after reporting
Digital & security
ContactlessYes
App featuresSBI Card app: spend analysis, statements, due dates, EMI, rewards, limits, block/unblock
Card controlsBlock/unblock; toggle international/online/contactless; set limits — via SBI Card app
Fraud protectionReal-time transaction alerts; OTP for online transactions; Tokenization (RBI mandated); suspicious-transaction blocking; instant card block
Zero liabilityZero liability if fraud reported within 3 working days; limited liability if reported within 4-7 working days; full liability if reporting delayed beyond 7 days without valid reason (per RBI)
WhatsApp supportYes (SBI Card WhatsApp)