Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverAnnual spend of INR 15 lakh in previous year
Spend waiverSpend INR 10,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 60,000/month
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 6 travel credits per INR 100 on travel; bonus 20,000 credits on INR 12L annual spend
Redemption optionsFlights & Hotels, Air Miles / Airline Conversion, Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge1 domestic visit per qualifying spend milestone (per SBI MILES program); spend-gated
International lounge6 visits/year via Priority Pass (max 2/quarter)
Lounge conditionsNo
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver1.0% or Lower
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersNo
AdditionalReward point statement redemption capped at 60,000 points/month (eff. April 1, 2026); redemptions in multiples of 4,000 points only.
Credit limit & EMI
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate1% per month
Insurance & protection
Purchase protectionNo
Digital & security
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Block Lost/Stolen Card
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Card PIN Reset, Report Lost/Stolen Card
Fraud protectionReal-time Transaction Alerts, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes