Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverNo standard spend-based waiver; e-Gift Voucher INR 5,000 on fee payment; milestone benefits up to INR 12,500 in rewards
Interest rate3.50% per month (42% per annum)
Late paymentNil (≤INR 500); INR 400 (INR 500-INR 1,000); INR 750 (INR 1,000-INR 10,000); INR 950 (INR 10,000-INR 25,000); INR 1,100 (INR 25,000-INR 50,000); INR 1,300 (>INR 50,000)
Forex markup3.50%
Cash advance2.5% of amount or INR 500, whichever is higher
Eligibility
Min income (salaried)INR 50,000 - INR 75,000 (indicative)
Min income (self-emp.)INR 9 - INR 12 lakh/year (indicative)
Income requirementSalaried: INR 50,000 - INR 75,000 (indicative); Self-employed: INR 9 - INR 12 lakh/year (indicative)
Credit score750 - 800 (Good to Excellent)
Age range18 to 65
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X on Dining, Grocery & Dept. Stores; milestone: up to 50,000 bonus points/year
Cashback %NA (reward points based); 1% fuel surcharge waiver on INR 500-INR 4,000 txns
Cashback capFuel surcharge waiver capped at INR 100/month; movie benefit: INR 250/ticket max (2 tickets/month)
Redemption optionsStatement Credit; Gift Vouchers; Merchandise; Flights & Hotels; Bank's own redemption store (sbicard.com)
Points expiry2 Years from date of accumulation
Travel & lounge
Domestic lounge8 complimentary domestic lounge visits per year (2 per quarter)
International lounge6 complimentary international lounge visits per year via Priority Pass (2 per quarter); Priority Pass membership worth $99 included
Lounge conditionsNo
Travel insuranceYes
Hotel/flight offersYes - Club Vistara Silver membership (1 upgrade voucher + 1 lounge voucher); 9 CV points per INR 100 on Vistara flights; Yatra.com benefits
ConciergeNo
Forex waiver3.5% (Standard Rate - no waiver)
Lifestyle
Dining benefitsYes - dining rewards (5X points); partner discount programs via Visa
Dining discountsYes - dining rewards (5X points); partner discount programs via Visa
Fuel surchargeYes - 1% waiver on INR 500-INR 4,000 transactions; max INR 100/month
OTT subscriptionsNo
E-commerce offersYes - partner brand e-vouchers (Bata, Aditya Birla, Shoppers Stop, Pantaloons, Yatra)
Credit limit & EMI
Default limitINR 1.5 - INR 4 lakh (based on profile)
Max limitINR 5 - INR 10 lakh (based on income & score)
Cash withdrawal20% - 40% of credit limit
EMI optionsPost-purchase (via sbicard.com within 30 days); Yes - Flexipay on txns ≥ INR 2,500; merchant no-cost EMI at select brands
EMI conversionPost-purchase (via sbicard.com within 30 days)
Min EMI amountINR 2,500
Balance transferYes
BT interest rateLower than standard rate; as per offer at time of transfer
Insurance & protection
Purchase protectionNo
Lost card liabilityYes - Zero liability if reported promptly; Credit Card Fraud Liability Cover INR 1 lakh
Coverage detailsAir Accident Cover (INR 50 lakh); Lost Baggage / Delay; Travel Liability Cover
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; Secure Login Options; 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; OTP for Online Transactions; Tokenization (RBI Mandated); CVV + Expiry + OTP Combo; Instant Card Block Option; Suspicious Transaction Blocking; Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days; limited liability within 4-7 working days; full liability if delayed beyond 7 days
WhatsApp supportYes (via SBI Card WhatsApp)