Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverAnnual fee waived if annual spend ≥ INR 10,00,000 in the previous year; milestone bonus points up to 50,000 on spending INR 8 lakh/year
Interest rate3.50% per month (42% per annum)
Late paymentNil (if outstanding ≤ INR 500); INR 400 (INR 500-INR 1,000); INR 750 (INR 1,001-INR 10,000); INR 950 (INR 10,001-INR 25,000); INR 1,100 (INR 25,001-INR 50,000); INR 1,300 (> INR 50,000)
Forex markup1.99% of transaction amount (lowest in category)
Cash advance2.5% of cash amount or INR 500, whichever is higher
Eligibility
Min income (salaried)INR 75,000 - INR 1,25,000
Min income (self-emp.)INR 9 - INR 12 lakh/year
Income requirementSalaried: INR 75,000 - INR 1,25,000; Self-employed: INR 9 - INR 12 lakh/year
Credit score750 - 800
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X (10 Reward Points per INR 100) on dining, grocery & departmental stores; bonus milestone points up to 50,000 on achieving INR 8 lakh annual spend
Cashback %N/A (Reward points-based)
Redemption optionsGift Vouchers; Statement Credit; Flights & Hotels; Air Miles / Airline Conversion; Bank's own online redemption store; OTT / Subscriptions
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge8 complimentary visits per year (2 visits per quarter)
International lounge6 complimentary visits per year via Priority Pass (max 2 per quarter); complimentary Priority Pass membership worth $99
Lounge conditionsNo
Travel insuranceYes
Hotel/flight offersVisa Signature: exclusive benefits across 900+ luxury hotels worldwide; Trident Privilege Red Tier membership (1,000 welcome pts + 1,500 bonus on first stay)
ConciergeYes - Dedicated concierge: Flower Delivery, Gift Delivery, Online Doctor Consultation, Flight/Hotel Booking, Movie/Restaurant Reservation
Forex waiver1.99% (partial waiver - one of the lowest forex markup rates in India)
Lifestyle
Dining benefitsNo specific program
Dining discountsNo specific program
Fuel surchargeYes - 1% fuel surcharge waiver on transactions INR 500-INR 4,000; max INR 250/statement cycle
OTT subscriptionsNo
E-commerce offersNo specific tie-up
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh (profile-based)
Max limitINR 5 - INR 10 lakh (profile-based)
Cash withdrawalUp to 80% of credit limit
EMI optionsPost-purchase (via sbicard.com within 30 days); Yes - Flexipay (min INR 2,500; conversion within 30 days); No-cost EMI at select merchants
EMI conversionPost-purchase (via sbicard.com within 30 days)
Min EMI amountINR 2,500
Balance transferYes
BT interest rateAs per SBI Card promotional rate (subject to T&C)
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Fraud Liability Cover of INR 1 lakh (48 hrs prior to reporting to 7 days post reporting)
Coverage detailsAir Accident Cover - INR 1 crore (to be discontinued w.e.f. 11 Aug 2025); Complimentary Credit Card Fraud Liability Cover - INR 1 lakh (48 hrs prior to reporting to 7 days post reporting)
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; Set/Modify Limits; View Statements & Due Dates; Convert to EMI; Rewards Tracking & Redemption; Autopay Setup; Download Credit Card Statement; Raise Service Requests; Spend Analyzer; Block Lost/Stolen Card; Virtual Card View; Add-on Card Management; Credit Limit Increase Request
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; Enable/Disable Contactless (NFC); ATM Withdrawal Toggle; Set Transaction Limits; Control Add-on Card Settings; Card PIN Reset; Report Lost/Stolen Card; View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts; Tokenization (RBI Mandated); OTP for Online Transactions; CVV + Expiry + OTP Combo; Instant Card Block Option; Zero Liability Guarantee; Spending Pattern Detection
Zero liabilityZero liability if fraud reported within 3 working days; Limited liability if reported within 4-7 working days; Full liability if delayed reporting beyond 7 days without valid reason
WhatsApp supportYes