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₹2,999 + applicable taxesEffective 30 Jul 2026
Source 1Renewal-fee reversalRenewal fee reversed on annual spends of ₹10 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 markup2.5%
Source 5Travel Credits4 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 4 international Priority Pass visits per year, each with a maximum of 2 per quarter
Source 7Welcome benefit3,000 Travel Credits after ₹60,000 spend within 60 days of card issuance and joining-fee payment
Source 8Annual milestone10,000 bonus Travel Credits at ₹8 lakh annual spend; one additional domestic lounge visit per ₹1 lakh spend; fee reversal at ₹10 lakh
Source 9Fuel-surcharge waiver1% on fuel transactions from ₹500 to ₹3,000; maximum ₹250 per statement cycle
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 19Travel Credit eligibility and exclusionsPrimary and additional-card spends accrue to the primary account, but only post-enrolment eligible spend earns Travel Credits. Excluded: disputed transactions, Encash, ATM withdrawals, Flexipay, merchant EMI, cash advances, financial charges, education, utilities, insurance, quasi-cash, fuel, wallet loading and rent/property management. Travel-spend MCCs include the complete airline, travel-agent, transport, car-rental and hotel list published in the terms; network MCC changes may apply without customer notice.
Source 20Travel Credit life, transfer and closure rulesTravel Credits expire 24 months after accrual and cannot be combined with another SBI Card's points. Only the primary cardholder may transfer to their own participating loyalty account; processing may take up to 21 days and transfers are final. On voluntary card closure, credits may be redeemed within 30 days; otherwise they lapse. Other cancellation forfeits them; blocking or suspension forfeits them unless SBI Card later reinstates them. A flip to another SBI Card converts Travel Credits to Reward Points, while replacement or renewal into another MILES variant transfers them.
Source 21Travel Credit redemption values1 Travel Credit equals ₹1 for airline miles or hotel points, ₹0.50 for travel bookings and ₹0.25 for Shop & Smile catalogue; statement-debit adjustment uses ₹0.50 per Reward Point. Partner conversion ratios vary. Credits cannot be exchanged for cash or credit or used for cash advances; redemption requires a card that is not overdue, suspended, blocked, cancelled or terminated and may be performed only by the primary cardholder through the SBI Card website or app.
Source 22Reward fulfilment and disputesPhysical reward delivery is targeted within 15 days on a best-effort basis; delivery disputes must be raised within 30 days of the redemption request. Fraud or abuse can forfeit credits and terminate the card. Customer information supplied for redemption may be used for administration or marketing; taxes and government/
Source 23Card insurance coveragePrimary-card cover includes lost-card liability ₹1 lakh; checked-baggage loss ₹72,000; baggage delay ₹7,500; lost travel documents ₹12,500; baggage damage ₹5,000; and up to six flight cancellations per year at ₹3,500 each. Air-accident, cancellation and travel claims require ticket purchase with the SBI Card. General exclusions include gross negligence, deliberate breach of law, bank-server hacking/
Source 24Fraud-liability claim conditionsUnauthorised-use cover applies up to ₹1 lakh for three days before first report and seven days after. Block immediately via the 24-hour helpline; report to SBI Card within three days, intimate the insurer within 45 days and submit supporting documents within 60 days, with at least partial documents received in that period. Required evidence includes statement and reversal/
Source 25Travel-insurance conditionsFlight cancellation covers specified death, serious injury or sudden sickness requiring at least three days' hospitalisation, specified close-family death, terrorism or natural calamity; planned surgery is excluded and reimbursement is capped at ₹3,500 after taxes/
Source 26Priority Pass termsComplimentary standard membership is primary-card-only and valid 24 months. MILES PRIME includes four international visits; domestic additional visits are earned on every ₹1 lakh spend and capped at 12 per membership year. Other visits and guests cost USD 27 plus tax. Plastic Priority Pass is for international lounges; India access uses a generated QR voucher. Membership delivery target is 10 days; spend vouchers may take 120 days. Usage posts after 60-120 days at the exchange rate on debit date. Same-day valid travel is required; the pass is non-transferable, ceases with card cancellation/
Source 27Benefits and features
- Enhanced Travel Credits
- Eight domestic and four international lounge visits annually
- Annual milestone credits
- 2.5% 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 and lounge access remain subject to category exclusions and programme terms.
- The reviewed page does not publish a minimum-income threshold.
Passing a listed condition does not mean the bank will approve an application.
