Fees
Annual feeINR 499 + GST
Joining feeINR 499 + GST
Renewal feeINR 499 + GST
Fee waiverAnnual fee reversed from 2nd year if spend ≥ INR 1,00,000 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 20,000 - INR 35,000
Min income (self-emp.)INR 2.5 - INR 4 lakh/year
Income requirementSalaried: INR 20,000 - INR 35,000; Self-employed: INR 2.5 - INR 4 lakh/year
Credit score700 - 750
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 10 Reward Points per INR 150 spent on dining, movies, grocery & departmental stores
Cashback %N/A (Reward points-based, not direct cashback)
Redemption optionsGift Vouchers; Statement Credit; Bank's own online redemption store
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge0 visits - No lounge access
International lounge0 visits - Not applicable
Lounge conditionsNo
Travel insuranceNo
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 100/statement cycle
OTT subscriptionsNo
E-commerce offersNo specific tie-up
Credit limit & EMI
Default limitINR 25,000 - INR 75,000 (profile-based)
Max limitINR 1.5 - INR 3 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)
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 - Credit Card Fraud Liability Cover (T&C apply)
Digital & security
ContactlessYes
Virtual cardYes
App featuresReal-time Spend Alerts; Card Lock/Unlock; View Statements & Due Dates; Convert to EMI; Autopay Setup; Download Credit Card Statement; Raise Service Requests; Block Lost/Stolen Card
Card controlsBlock/Unblock Card; Enable/Disable International Usage; Enable/Disable Online Transactions; Enable/Disable Contactless (NFC); ATM Withdrawal Toggle; Set Transaction Limits; 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 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