Fees
Annual feeINR 2,999 + GST
Joining feeINR 2,999 + GST
Renewal feeINR 2,999 + GST
Fee waiverAnnual fee waived from 2nd year if annual spend ≥ INR 3,00,000 in the previous 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 markup3.5% of transaction amount
Cash advance2.5% of cash amount or INR 500, whichever is higher
Eligibility
Min income (salaried)INR 35,000 - INR 50,000
Min income (self-emp.)INR 4 - INR 6 lakh/year
Income requirementSalaried: INR 35,000 - INR 50,000; Self-employed: INR 4 - INR 6 lakh/year
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10 Reward Points per INR 100 on dining, departmental stores, grocery & movie tickets; 20 Reward Points per INR 100 on utility bill standing instructions (max 3,000 pts/month); 20 Reward Points per INR 100 on birthday (one day before, on, one day after; max 2,000 pts/year)
Cashback %N/A (Reward points-based)
Redemption optionsGift Vouchers; Statement Credit; Flights & Hotels; Bank's own online redemption store
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge8 complimentary visits per year (max 2 visits per quarter)
International lounge4 complimentary visits per year via Priority Pass (max 2 per quarter)
Lounge conditionsNo
Travel insuranceYes
Hotel/flight offersVisa Signature partner hotel & car hire discounts
ConciergeNo
Forex waiver3.5% (Standard Rate - No waiver)
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 75,000 - INR 1.5 lakh (profile-based)
Max limitINR 3 - INR 5 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 transaction; conversion within 30 days of purchase); 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 50 lakh (to be discontinued w.e.f 11 Aug 2025); Complimentary Credit Card Fraud Liability Cover - INR 1 lakh
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; Block Lost/Stolen Card; Add-on Card Management
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
Fraud protectionReal-time Transaction Alerts; Tokenization (RBI Mandated); OTP for Online Transactions; CVV + Expiry + OTP Combo; Instant Card Block Option; Zero Liability Guarantee
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