"SBI's premium lifestyle card โ free movie tickets worth โน6,000 annually, 5X rewards on dining and grocery, Priority Pass and low 1.99% forex markup"
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Quick Summary
๐ณ Joining Fee
โน4,999 + GST
๐ Renewal Fee
โน4,999 + GST
Waived: Annual fee waived on spending โน10 lakh or more in the preceding membership year
๐ฏ Best Suited For
Lifestyle spenders who dine out, buy groceries and watch movies regularly; frequent domestic and international travellers wanting lounge access; those who can maximize the โน6,000 annual free movie ticket benefit
๐ Reward Type
Reward Points (4 RPs = โน1; 1 RP = โน0.25; redeemable for vouchers, statement credit, merchandise)
๐ Welcome Benefit
E-gift voucher worth โน5,000 from partner brands (Yatra, Bata or Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion) โ credited within 45 days of joining fee payment; effectively offsets first year fee
๐ฐ Reward Rate
10 RPs per โน100 on dining, grocery and departmental store spends (2.5% effective); capped at 10,000 RPs per calendar month on accelerated categories; 2 RPs per โน100 on all other eligible spends (0.5%); 2 RPs per โน100 on international; excludes fuel, EMI, wallet, rent, government
โ๏ธ Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter); 6 complimentary international lounge visits per year via Priority Pass (max 2 per quarter) โ Priority Pass membership complimentary for primary cardholder only
๐ฑ Forex Markup
1.99% โ one of the lowest in India; excellent for international travellers
8 domestic plus 6 international lounge visits per year
5X rewards on dining, grocery and departmental stores
Club ITC Silver Tier and Air India Flying Returns memberships
Milestone bonus RPs worth โน12,500 for high spenders
โ Cons
Fee waiver requires โน10 lakh annual spend โ very high
Base reward rate 0.5% on non-accelerated categories
High annual fee โน4,999
Redemption capped at 60,000 RPs per month from April 2026
Club Vistara discontinued (merged with Air India)
Not suitable for pure travel card seekers
๐ Rewards & Benefits
Reward Type
Reward Points (4 RPs = โน1; 1 RP = โน0.25; redeemable for vouchers, statement credit, merchandise)
Welcome Benefits
E-gift voucher worth โน5,000 from partner brands (Yatra, Bata or Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion) โ credited within 45 days of joining fee payment; effectively offsets first year fee
Reward Rate
10 RPs per โน100 on dining, grocery and departmental store spends (2.5% effective); capped at 10,000 RPs per calendar month on accelerated categories; 2 RPs per โน100 on all other eligible spends (0.5%); 2 RPs per โน100 on international; excludes fuel, EMI, wallet, rent, government
Reward Redemption
SBI Card website or app: gift vouchers, merchandise, statement credit (capped at 60,000 RPs per month from April 2026); Flexipay EMI; 1 RP = โน0.25; redemption fee โน99 + GST
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โน500 to โน4,000; maximum โน250 per statement cycle
Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter); 6 complimentary international lounge visits per year via Priority Pass (max 2 per quarter) โ Priority Pass membership complimentary for primary cardholder only
Spend Based Fee Waiver
Annual fee waived on โน10 lakh spend โ high threshold
Milestone Benefits
Free movie tickets via BookMyShow: 2 per month, max โน250 per ticket, worth โน6,000 annually; bonus RPs on annual spends of โน3 lakh (15,000 RPs) and โน5 lakh (35,000 additional RPs) โ max โน12,500 in bonus RP value per year; complimentary 1-year Club ITC Silver Tier membership
Other Benefits
Club ITC Silver Tier membership (50% off 2nd night at ITC Hotels); Air India Flying Returns membership; concierge service; golf privileges with Mastercard variant; comprehensive travel insurance; 1% fuel surcharge waiver
โจ Special Perks & Exclusive Offers
Memberships
Club ITC Silver Tier; Air India Flying Returns; Priority Pass
Insurance Cover
Lost card liability cover โน1 lakh; travel insurance on international transactions; zero liability on timely reporting
Add-on Cards
Add-on cards with domestic lounge access on โน5,000 quarterly spend
Concierge Services
Dedicated concierge for gift delivery, hotel and flight reservations, customized holiday packages
Special Offers
โน6,000 annual free movie tickets (BookMyShow); โน5,000 welcome voucher; milestone bonus RPs; Club ITC membership; 1.99% forex markup
๐ณ Fees & Interest Rates
Joining Fee
โน4,999 + GST
Annual Fee / Renewal Fee
โน4,999 + GST โ Waived on: Annual fee waived on spending โน10 lakh or more in the preceding membership year
Interest Rate (APR)
๐กPay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โน300; international ATM 3%, minimum โน300
Late Payment Charges
โน100 to โน1,300 based on outstanding amount
Over Limit Charges
2.5% of overlimit amount, minimum โน500
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.99% โ one of the lowest in India; excellent for international travellers
Other Charges
Redemption fee โน99 + GST; statement credit redemption capped at 60,000 RPs per month from April 2026; Priority Pass membership valid for 2 years only; โน10L fee waiver threshold is very high
๐ Eligibility & Credit Limit
Eligibility Criteria
Age 21 to 70 years; salaried or self-employed; minimum monthly income โน60,000; Indian resident; strong credit history
Credit Score Requirement
720+ CIBIL recommended
Credit Limit
Based on income and SBI Card credit assessment; typically โน1 to โน5 lakh
๐ EMI, Balance Transfer & Debt Management
EMI Conversion
Flexipay: convert above โน2,500 to EMI; tenures 3 to 24 months
Balance Transfer Facility
Available from other bank credit cards
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon
๐ Security & Fraud Protection
Card Block Feature
Instant block via SBI Card app or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
โน1 lakh lost card cover on timely reporting
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting
๐ Customer Service & Digital Experience
Phone Support
1860 180 1290 and 39 02 02 02 (prefix STD); 24x7
Chat / Email Support
Chat via SBI Card app; ILA chatbot; email: customercare@sbicard.com
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