Complete benefits package: 5,000 RPs welcome gift + Air India Maharaja Club membership
2 RPs per Rs. 100 on retail spends and 5 RPs per ₹100 on Air India tickets
up to 15,000 bonus RPs annually on milestone spends
2,000 RPs anniversary gift; 4 domestic lounge visits per year
Fees
Joining Fee5,000 Reward Points on payment of Joining Fee + Complimentary membership of Air India Maharaja Club
₹1,769
₹1,499 + GST
Annual FeeNot Applicable
₹1,769
₹1,499 + GST
Eligibility
Age
21-60 years
Salary
₹25K / Month
Credit Score
720+
Bank Fee Structure
Forex Markup3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency Examples (3.5%): ₹100 → ₹3.5 ₹1,000 → ₹35 ₹10,000 → ₹350 ₹1,00,000 → ₹3,500
3.5%
Finance Charges (APR)Finance charges of 3.75% per month (45% per annum) apply on unpaid outstanding balances until the amount is fully repaid
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum Rs. 500, if applicable)
2.5%
Reward Redemption₹99 redemption fee per redemption (applicable only on physical product, statement fee credit and on vouchers, plus applicable taxes)
₹99
Railway SurchargeA surcharge of 1% is applied to transactions made for booking railway tickets
1%
Rent Payment₹99 redemption fee per redemption (applicable only on physical product, statement fee credit and on vouchers, plus applicable taxes)
₹199
Cheque PaymentA fee of ₹200 of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
₹200
Cash Payment₹250 is charged when SBI credit card dues are paid in cash at select branches of State Bank of India (SBI)
₹250
Late Payment Charges
Amount due
Fee
₹0 - ₹500
₹0
₹501 - ₹1000
₹400
₹1001 - ₹10000
₹750
₹10001 - ₹25000
₹950
₹25001 - ₹50000
₹1100
Above ₹50000
₹1300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
The bank may offer a different card variant based on your eligibility; please carefully review the features and benefits of the card offered before submitting your application
A minimum transaction of Rs.100 within 30 days of card issuance is required to activate the card, failing which you will not be eligible for rewards
