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Last updated: 01-06-2026
SBI Card Eterno
SBI Card

SBI Card Eterno

"SBI's newest premium metal card โ€” 30,000 welcome RPs, unlimited domestic lounge, 12 international lounges, Taj and ITC memberships and milestone flight vouchers"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น14,999 + GST
๐Ÿ”„ Renewal Fee
โ‚น14,999 + GST
Waived: Annual fee waived on spending โ‚น15 lakh or more in the preceding membership year
๐ŸŽฏ Best Suited For
Ultra-premium SBI Card customers who want unlimited domestic lounge access, international lounge visits, luxury hotel memberships and high milestone rewards; upgrade from SBI Card ELITE or AURUM
๐ŸŽ Reward Type
AURUM Reward Points (1 ARP = โ‚น0.25; redeemable for flights, hotels, vouchers; ARPs never expire while card is active)
๐ŸŽ‰ Welcome Benefit
30,000 AURUM Reward Points worth โ‚น7,500 on payment of joining fee; complimentary 1-year Taj Epicure Plus membership; complimentary 1-year ITC Culinaire membership
๐Ÿ’ฐ Reward Rate
4 AURUM RPs per โ‚น100 on all eligible retail spends (1% effective); milestone bonuses significantly improve effective rate for high spenders; excludes fuel, utilities, insurance, education, government, EMI, wallet, rent
โœˆ๏ธ Lounge Access
Unlimited complimentary domestic airport lounge access via DreamFolks โ€” no spend condition; 12 complimentary international lounge visits per year via Priority Pass (3 per quarter)
๐Ÿ’ฑ Forex Markup
1.99% on international transactions
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โœ… Pros
  • Unlimited domestic lounge โ€” no spend condition
  • 12 international lounge visits per year
  • 30,000 welcome RPs (โ‚น7,500 value)
  • Taj Epicure Plus and ITC Culinaire memberships
  • โ‚น20,000 Apple voucher on โ‚น20L annual spend
  • 4 free movie tickets per month
  • 16 golf rounds and 12 lessons per year
  • Air accident cover โ‚น5 crore โ€” highest among SBI cards
  • ARPs never expire
  • 1.99% forex markup
โŒ Cons
  • Very high โ‚น14,999 annual fee
  • Fee waiver requires โ‚น15L annual spend
  • Base 1% reward rate โ€” low for this fee tier
  • No rewards on fuel, utilities, insurance, education, government
  • Statement credit capped at 60K ARPs per month
  • Directly competes with HDFC Infinia and Diners Black at similar or lower fees

๐ŸŽ Rewards & Benefits

Reward Type
AURUM Reward Points (1 ARP = โ‚น0.25; redeemable for flights, hotels, vouchers; ARPs never expire while card is active)
Welcome Benefits
30,000 AURUM Reward Points worth โ‚น7,500 on payment of joining fee; complimentary 1-year Taj Epicure Plus membership; complimentary 1-year ITC Culinaire membership
Reward Rate
4 AURUM RPs per โ‚น100 on all eligible retail spends (1% effective); milestone bonuses significantly improve effective rate for high spenders; excludes fuel, utilities, insurance, education, government, EMI, wallet, rent
Reward Redemption
SBI Card website or app: flights, hotels, vouchers, statement credit; 1 ARP = โ‚น0.25; ARPs never expire while card is active; capped at 60,000 ARPs per month for statement credit (April 2026)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions โ‚น500 to โ‚น4,000; maximum โ‚น250 per statement cycle
Lounge Access
Unlimited complimentary domestic airport lounge access via DreamFolks โ€” no spend condition; 12 complimentary international lounge visits per year via Priority Pass (3 per quarter)
Spend Based Fee Waiver
Annual fee waived on โ‚น15 lakh annual spend
Milestone Benefits
โ‚น3,000 Tata CLiQ Fashion voucher on โ‚น1.5L quarterly spend; โ‚น5,000 flight voucher on โ‚น5L annual spend; โ‚น10,000 Taj Experience voucher on โ‚น10L annual spend; โ‚น20,000 Apple voucher on โ‚น20L annual spend; annual fee waiver on โ‚น15L spend
Other Benefits
Unlimited domestic lounge access (no spend condition); 12 international lounges per year; Taj Epicure Plus membership (dining privileges at Taj hotels); ITC Culinaire membership; 24x7 premium concierge; 16 complimentary golf rounds per year and 12 lessons; 4 free movie tickets per month via BookMyShow; Buy 1 Get 1 on dining at ITC hotels; air accident cover โ‚น5 crore; lost card fraud protection โ‚น15 lakh; travel insurance; premium metal card design; AURUM Secretarial Access

โœจ Special Perks & Exclusive Offers

Memberships
Taj Epicure Plus; ITC Culinaire; Priority Pass (12 international visits)
Insurance Cover
Air accident cover โ‚น5 crore; lost card liability and fraud protection โ‚น15 lakh; comprehensive travel insurance including baggage, delay and missed connection
Add-on Cards
Add-on cards for family with elevated benefits
Concierge Services
24x7 premium concierge; AURUM Secretarial Access
Special Offers
Unlimited domestic lounge; 12 international lounges; Taj Epicure Plus; ITC Culinaire; โ‚น20K Apple voucher on โ‚น20L spend; 4 free movies per month; 16 golf rounds; โ‚น5 crore air accident cover

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น14,999 + GST
Annual Fee / Renewal Fee
โ‚น14,999 + GST
โœ“ Waived on: Annual fee waived on spending โ‚น15 lakh or more in the preceding membership year
Interest Rate (APR)
๐Ÿ’ก Pay 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 โ‚น500
Late Payment Charges
โ‚น100 to โ‚น1,300 based on outstanding
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
1.99% on international transactions
Other Charges
Very high โ‚น14,999 annual fee; fee waiver requires โ‚น15L annual spend โ€” demanding; base 1% reward rate is low for the premium fee; no rewards on fuel, utilities, insurance, education, government; invite or application for ultra-premium SBI customers

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 21 to 70 years; minimum annual income โ‚น30 lakh; strong credit history; CIBIL 750+; SBI Card invite or direct application
Credit Score Requirement
750+ CIBIL recommended
Credit Limit
High credit limit โ€” typically โ‚น10 lakh and above

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay on transactions above โ‚น2,500
Balance Transfer Facility
Available
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app
Instant Fraud Alerts
SMS and email alerts
Purchase Protection
โ‚น15 lakh lost card fraud protection
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
39 02 02 02 or 1860 180 1290 (prefix STD); 24x7
Chat / Email Support
Chat via SBI Card app; email: customercare@sbicard.com
Mobile App
SBI Card app: track spends, pay bills, Flexipay, milestone tracking, redeem ARPs
Online Banking
SBI Card website

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:34 PM
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