Key facts
What the official sources publish
Every value below belongs to this exact product. Select a source marker to check its context.
Annual and renewal fee₹4,999 + applicable taxesEffective 30 Jul 2026
Source 1Renewal-fee reversalRenewal fee reversed on annual spends of ₹15 lakhEffective 30 Jul 2026
Source 2Maximum annual finance chargeUp to 45% per annum
Source 3Maximum monthly finance chargeUp to 3.75% per month
Source 4Foreign-currency markup1.99%
Source 5Travel Credits6 Travel Credits per ₹200 on eligible travel spends and 2 Travel Credits per ₹200 on other eligible spends
Source 6Airport-lounge access8 domestic visits per year and 6 international Priority Pass visits per year, each with a maximum of 2 per quarter
Source 7Welcome benefit5,000 Travel Credits after ₹1 lakh spend within 60 days of card issuance and joining-fee payment
Source 8Annual milestone20,000 bonus Travel Credits at ₹12 lakh annual spend; one additional domestic lounge visit per ₹1 lakh spend, capped at 15; fee reversal at ₹15 lakh
Source 9Published travel and card coversAir accident up to ₹1 crore; lost-card liability up to ₹1 lakh; baggage, document and flight-cancellation covers subject to individual caps
Source 10Interest-free credit period20 to 50 days when the previous statement balance is paid in full; not available for cash advances
Source 11IssuerSBI Cards and Payment Services Limited (SBICPSL)
Source 12Interest-free period and minimum amount dueInterest-free credit period 20-50 days only on retail purchases when the previous statement is paid in full. Minimum amount due: 100% GST + 100% EMI + 100% fees/
Source 13Cash-advance termsMaximum ATM cash withdrawal ₹15,000/day within the cash limit; no MCC 6010 over-the-counter cash disbursement; no free-credit period; finance charge starts on withdrawal date; ATM fee 2.5% with minimum ₹500; minimum finance charge ₹25Effective 30 Jul 2026
Source 14Payment and late-payment chargesCash payment ₹250; dishonour 2% of payment, minimum ₹500; cheque payment ₹200. Late fee: ₹0 up to ₹100; ₹100 above ₹100-₹500; ₹500 above ₹500-₹1,000; ₹750 above ₹1,000-₹10,000; ₹950 above ₹10,000-₹25,000; ₹1,100 above ₹25,000-₹50,000; ₹1,300 above ₹50,000; additional late-payment charge ₹100; ₹500 late charge on revolving balance above ₹1,000Effective 30 Jul 2026
Source 15Overlimit and replacement feesOverlimit fee 2.5% of overlimit amount, minimum ₹600, not reversed on reversal/
Source 16Redemption, utility, education, wallet, rent and lounge feesRewards redemption ₹99 for specified physical products, statement credit and physically sent vouchers, except AURUM. Utility payments: 1% when billing-cycle total exceeds ₹50,000, effective 1 December 2024. Third-party-app education payments: 1%, effective 1 November 2025; direct school/
Source 17Grace period, surcharge and tax rulesThree-day payment-processing grace period only when no earlier-cycle amount is overdue. Railway surcharge follows IRCTC/
Source 18Payment allocation and merchant-code conditionsPayments allocate to GST, EMI, fees/
Source 19Benefits and features
- Premium Travel Credits
- Eight domestic and six international lounge visits annually
- Travel and card insurance covers
- 1.99% foreign-currency markup
Eligibility
- Issued and underwritten by SBI Cards and Payment Services Limited; approval, credit limit and final pricing are subject to its assessment.
- Travel Credit accrual, lounge access and insurance covers remain subject to programme or policy terms and exclusions.
- The reviewed page does not publish a minimum-income threshold.
Passing a listed condition does not mean the bank will approve an application.
