Fees
Annual feeINR 499 + GST (2nd year onwards)
Joining feeINR 499 + GST
Renewal feeINR 499 + GST (2nd year onwards)
Fee waiverAnnual fee reversed on INR 90,000+ annual spends
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 20,000 - INR 35,000 (approx)
Min income (self-emp.)INR 2.5 - INR 4 lakh/year (approx)
Income requirementSalaried: INR 20,000 - INR 35,000 (approx); Self-employed: INR 2.5 - INR 4 lakh/year (approx)
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Citizen & NRI
Rewards & cashback
Accelerated rateYes — 10X (10 RP/INR 100) on dining, movies, grocery & departmental stores
Cashback %NA (reward-points based; effectively ~2.5% on 10X categories)
Redemption optionsStatement credit (pay outstanding), gift vouchers, merchandise (SBI rewardz)
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% (periodic SBI offers)
ConciergeNo
Forex waiver3.5% (Standard Rate)
Lifestyle
Dining benefitsYes — 10X rewards on dining
Dining discountsYes — 10X rewards on dining
Fuel surchargeYes — 1% waiver on INR 500-INR 3,000 fuel spends
OTT subscriptionsNo
E-commerce offersYes — periodic SBI Card offers
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile based)
Max limitProfile 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)