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Joining & Annual Fees

Annual Fee - Rs. 1,499 + GST / Year
Renewal Fee - Rs. 1,499 + GST / Year
Welcome Benefits:
Get 1500 RP equivalent to Rs. 1500 on payment of first annual fee.
Customer gets welcome gift more than the cost of joining fee.
Bonus Reward Points will be credited to the IRCTC SBI Platinum Card account within 45 days
Standard Reward Points:
Get 1 RP/ Rs. 125 spend on other retail transactions.
Customer can get a value back on all his retail spends.
1 RP = 1 Rupee
W.e.f. 01 Apr'21, Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App(android only)
Link your IRCTC SBI Card loyalty number with your IRCTC login id to redeem your Reward Points on IRCTC Website and Mobile App (Android only).
IRCTC RP cannot be redeemed through Shop n Smile Catalogue.
Milestone RP:
Customer can get Rs. 7500 worth benefits on 1 Lakh Travel Spends.
Customer gets additional rewards on the basis of the total annual spends.
Accelerated RP
Customer gets:3 RP/ Rs. 125 on Dining & Utility payments on standing instructions. 10 RP/ Rs. 100 on tickets purchases through irctc.co.in for AC1, AC2. AC3 and AC CC. 15 RP/ Rs. 100 on tickets for Tejas train. 5 RP / Rs. 100 on Air Tickets and E-catering purchases.
Customer gets upto 10% value back on his IRCTC bookings.
Spend Base Reversal:
On spending Rs. 2 lakhs in a year, next year's annual fee will be reversed.
Annual fee will be reversed for next year.
Lounge Access:
8 complimentary railway lounge access.
CCustomer gets railway lounge access on booking through this card for free.
Max. 2 railways lounges per quarter.The lounges are available only for the primary card holder.
Travel Offers from IRCTC:
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in
Save 1.8% transaction charges on airline ticket bookings on www.air.irctc.co.in
Customer gets extra discounts on online booking payments.
Fuel Surcharge Waiver
On purchase of fuel between Rs. 500/- and Rs. 4,000/- each time, get 1% surcharge waiver upto Rs. 250 monthly.
Customer can save even while spending on fuel.
Maximum expenditure limit in a Month is Rs.25,000.Get an annual Saving upto Rs. 3,000.
Other Benefits
Contactless technology, Add-on cards, Rail Accident Liability Cover of Rs. 10 Lakhs, Air Accident Liability Cover of Rs. 50Lakhs, Fraud Liability Cover of Rs. 1 Lakh.
IRCTC SBI Card Premier
Joining & Annual Fees

Annual Fee - Rs. 2,999 + GST / Yearr
Renewal Fee - Rs. 2,999 + GST / Year
Welcome Benefits:
1 way premium Economy class ticket E-Gift Voucher on payment of Annual fee and Club Vistara silver membership on payment of annual fee/renewal fee.
Customer gets welcome gift covering cost of joining fee.
E-Gift voucher will be sent via E-mail within 15 working days of annual fee payment.Validity of Economy class ticket: 6 months.The economy class ticket will be applicable while booking 7 days (or more) prior to the date of travel.
Standard Reward Points:
Customer can 4 CV Point/ Rs. 200 spent on all spends(including fuel, excluding cash advance,balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions)
Customer can get a value back on all his retail spends.
Use your CV Points on your CV Account to redeem on Air Vistara and Partner Airlines:(Vistara, Singapore Airlines and Silk Air flights)
Seat Upgrades – CV points can be redeemed to upgrade flight class from economy to premium economy, or premium economy to business class.
Milestone RP:
Get 1 Hotel E-Voucher from Yatra worth Rs. 10,000 and 1 premium economy ticket on reaching annual spends of Rs. 8lakhs
Customers get rewarded on the basis of his annual spends. They can get upto total 4 premium economy class tickets on spending Rs. 8 lakh.
Airline Membership benefits (Silver membership):9 CV points / Rs. 100
Priority Waitlist Clearance.Priority Check-in premium economy counter
Complimentary excess baggage allowance of 5 kgs
1 class upgrade voucher
Customer gets all the benefits of club vistara benefits as soon as the annual fee is paid
Activation Benefit:
3000 bonus CV on spending Rs. 75,000 within 90 days of card issuance.
Insurance Cover:
Up to 6 cancellations per year, each limited to Rs. 3,500.Lost card & fraud liability up to Rs. 1 lac.Baggage Damage- Cover up to Rs. 5000.Air Accident Cover up to Rs. 1 Cr.Loss of check in baggage up to Rs 72,000.Delay of check in baggage Rs. 7,500.Loss of travel documents (passport) up to Rs. 12,500
Customer gets liability cover on every of his travel booked by this card.
Cancellation upto Rs. 3000 for non-refundable tickets.Cancellation of upto Rs. 3500 for refundable tickets.
Lounge Access:
8 & 4 complimentary domestic and international lounge access respectively.
Customer gets complimentary lounges access for free.
Get max. 2 lounge access per quarter.Applicable only for primary cardholder.
Priority Pass:
Customer gets complimentary priority pass membership.
Get a priority pass of $99 for free.
Other Benefits
Contactless technology, Add-on cards.
Club Vistara SBI Card PRIME
Joining & Annual Fees

Annual Fee - Rs.499 (one time)
Renewal Fee - Rs.499 (per annum)
Enjoy 10X Reward Points on Dining, Grocery, Departmental stores & Movie spends. On all your other spends, earn 1 Reward Point per Rs 150 spent.
Spend Rs. 2,000 or more in first 60 days and get 2,000 bonus Reward Points.
1% Fuel surcharge waiver across all petrol pumps
Annual Fee Reversal on spends of Rs.1,00,000 in a year
SBI SimplySAVE Card
Joining & Annual Fees

Annual Fee - 4,999 + GST / Year
Renewal Fee - 4,999 + GST / Year
Welcome Benefits:
e- Gift Voucher worth Rs. 5,000 from any of the following brands –Yatra.com, Hush Puppies/Bata,Pantaloons, Aditya Birla Fashion or Shoppers Stop as a one-time joining gift.
Covers the joining fee with the e-gift voucher of same value.
Gift Voucher code will be sent to your registered mobile number within 15 working days of request
Online purchase can be made through Yatra and Shopper Stop vouchers
Aditya Birla Fashion e-gift vouchers are acceptable on Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter brand stores
Standard Reward Points:
Customer Can earn 2 RP / Rs. 100 on all his Retail Spends.
Customer can get a value back of 0.5% on all his retail spends.
This is not applicable on fuel spends, cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI,wallet transactions and disputed transactions
4 Reward points = 1 Rupee.Reward Points Validity: 2 Year
Use your Reward Points to pay the outstanding balance on your credit card or redeem against a wide array of gifts from the Rewards Catalogue.
W.e.f. Aug’18, There is capping of 10,000 RP per month on accelerate 5x RP on Dining, Departmental Store & Grocery spends. After the cap limit of 10,000 RP is achieved, 2 RP/Rs.100 spent will continue to accrue.
Milestone RP:
Customer can get 50,000 RP worth Rs. 12,500 on spending Rs. 8 lakhs in a year.
Apart from regular benefit,additional Benefit of Rs.12,500.
Movie Voucher:
Every month 2 complimentary movie tickets worth Rs. 500 on Bookmyshow (Rs. 6,000/Year)
Customer can get this benefit without spending anything (No hidden T&C)
Maximum discount is Rs. 250/ticket for 2 tickets only.Convenience fee would be chargeable
Accelerated RP
Customer can earn 10 RP/ Rs. 100 on every purchase at Dining,Departmental Stores and Grocery Stores.
Customer can get a value back of 2.5%
Lounge Access:
6 & 8 complimentary international & domestic Airport Lounge visits per year respectively
Each lounge access will be provided for free.
Only 2 lounges per quarter.Complimentary International lounge access can be availed through Priority Pass membership card.
Domestic lounge access can be availed using Elite credit card.Only Primary Cardholders are eligible for Priority Pass and complimentary membership
Priority Pass:
Complimentary membership to the Priority Pass Program
Each priority pass membership costs $99, which will be provided for free.
Fuel Surcharge Waiver
On purchase of fuel between Rs.500/- and Rs. 4,000/- each time,get 1% surcharge waiver upto Rs.250 monthly.
Customer can save even while spending on fuel.
Maximum expenditure limit in a Month is Rs. 25,000.Get an annual Saving upto Rs. 3000.
Spend Base Reversal:
On spending Rs. 10 lakhs in a year,next year's annual fee will be reversed.
Annual fee will be reversed for next year.
Other Benefits
Trident Privilege Membership, Club Vistara Membership, Lowest Forex Markup, Concierge services, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges.
SBI ELITE Card
Joining & Annual Fees

Annual Fee - Rs. 1,499 + GST / Year
Renewal Fee - Rs. 1,499 + GST / Year
Welcome Benefits:
One way economy class ticket (base fare component) & club vistara base membership
E-Gift voucher will be sent via E-mail within 15 working days after payment of joining fee.
Validity of Economy class ticket: 6 months.The economy class ticket will be applicable while booking 7 days (or more) prior to the date of travel.
Standard Reward Points:
Customer can earn 3 CV Point/ Rs. 200 spent on all spends.(including fuel, excluding cash advance,balance transfer, encash,financial charges,flexipay, merchant EMI, wallet transactions and disputed transactions)
Customer can get a value back on all his retail spends.
Use your CV Points on your CV Account to redeem on Air Vistara and Partner Airlines:( Vistara, Singapore Airlines and Silk Air flights)
Seat Upgrades – CV points can be redeemed to upgrade flight class from economy to premium economy, or premium economy to business class.
Milestone RP:
Customer gets 1 Hotel E-Voucher worth Rs.5000 that can be redeemed on Yatra and 1 economy class ticket on annual spends of Rs.5 lakhs.
Customer gets rewards on the basis of his total annual spend. They can get up to total 3 economy class tickets on spending Rs. 5 lakh.
Airline Membership Benefit:Get 8 CV points per rs. 100 spend
Use your CV Points on your CV Account to redeem on Air Vistara and Partner Airline
Activation Benefit:
1000 CV points on spending Rs. 50,000 within 90days of card issuance
Customer gets welcome gift covering cost of joining fee.
Renewal Benefit Type
One way Economy Class ticket (Base fare component)
Customer get renewal gift for renewal fee
Insurance Cover
Up to 4 cancellations per year, each limited to Rs. 3,500.
Lost card & fraud liability cover up to Rs. 1lakh.
Loss of check in baggage up to Rs72,000
Air Accident Cover up to Rs. 50 lakhs
Delay of check in baggage up to Rs. 7,500
Loss of travel documents (Passport) upto Rs. 12,500.
Baggage Damage- Cover up to Rs. 2,500
Customer gets insurance cover of value Rs. 51 lakh 98 thousand.
Cancellation upto Rs.3000 for non-refundable tickets
Cancellation of upto Rs.3500 for refundable tickets.
Lounge Access:
4 complimentary domestic lounges.
These domestic lounge access are provided for free.
1 lounge access per quarter allowed.Feature valid only for cardholder.
Priority Pass
Customer gets complimentary priority pass membership (valid for the entire duration of the product)
Get a priority pass of $99 for free.
Charges of access to lounges will be applicable for all visits.(All lounge visits are chargeable at applicable rates)
Other Benefits
Contactless technology, Add-on cards, Foreign currency mark-up (3.5%)
Club Vistara SBI Card
Joining & Annual Fees

Annual Fee - 499 + GST / Year
Renewal Fee - 499 + GST / Year
Welcome Benefits:
eGift Card worth Rs. 500 on paying joining fee. be sent on Mobile Number within 30 days from payment of membership fee.
Covers the joining fee with the e-gift voucher of same value.
Validity of the gift voucher: 6 months
Voucher Code will be sent on mobile number within 30 days from the payment of membership fee
Standard Reward Points:
Customer Can earn 1 RP / Rs. 100 on all his spends.
Customer can get a value back of 0.25% on all his retail spends.
This is not applicable on fuel spends, cash advance, balance transfer, Encash, financial charges, Flexipay, merchant EMI, wallet transactions and disputed transactions.
4 Reward points = 1 Rupee.Reward Points Validity: 2 Year
RP Redemption: Reward points earned through simply click card cannot be used for cash redemption (redemption through outstanding bill amount). Reward points of simply click card can be redeemed through E-gift vouchers catalogue. (As of now, the catalogue includes Amazon, Amazon Prime and BookmyShow vouchers).
w.e.f. Oct’20, There is capping of 10,000 RP on cumulative 5X RPs accrued on other online spends. After the cap limit of 10,000 Reward points is achieved, 1 RP/ Rs. 100 will continue to accrue.
Milestone RP:
Customer can get evoucher worth Rs. 4,000 on online spending Rs. 2 lakhs in a year.
Apart from regular benefit, additional benefit of Rs. 4,000.
Annual Online Spends
Rs. 1 Lakh and above – eVoucher worth Rs. 2000 Rs. 2 Lakh and above – eVoucher worth Rs. 2000
Accelerated RP
Customer can earn: 10 RP/Rs. 100 on online spends with BookMyShow / Cleartrip / Netmeds /Dineout/ Apollo 24x7 5 RP/Rs. 100 on other online spends.
Customer can get upto a value back of 2.5% on his online spends.
Priority Pass:
Not Applicable
Fuel Surcharge Waiver
On purchase of fuel between Rs. 500/- and Rs. 3,000/- each time, get 1% surcharge waiver up to Rs. 100 monthly.
Customer can save even while spending on fuel.
Get an annual Saving up to Rs. 1,200.
Spend Base Reversal:
On spending Rs. 1 lakh in a year, next year's annual fee will be reversed.
Annual fee will be reversed for next year.
Other Benefits
Contactless technology, add-on cards.
SimplyCLICK SBI Card
Joining & Annual Fees

Annual Fee - Rs. 500 + GST / Yearr
Renewal Fee - Rs. 300 + GST / Year
Welcome Benefits:
350 Activation Bonus Reward Points on first retail spend of Rs. 500 or more within 45 days
Earn ₹ 100 cash back on your first ATM cash withdrawal within 30days of receiving the card.
Customer gets welcome gift reward points which can be used while booking.
Cash and fuel spends are not included.Bonus Reward Points will be credited to the IRCTC SBI Platinum Card account within 45days of eligible transaction
Standard Reward Points:
1 RP/ Rs 125 spend on all retail transaction.
Customer can get a value back on all his retail spends.
Each Reward Point is equivalent to Re.1 of your ticket fare when redeeming these Reward Points.
Travel dates between 1st April- 14th July and 16th Sep - 14th Jan: 4 RP
Travel dates between 15th Jan - 31st Mar and 15th July - 15th Sep: 10 RP
Link your IRCTC SBI Card loyalty number with your irctc.co.in login id, to redeem your reward points
TW.e.f. 01 Apr'21, Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (android only)
IRCTC RP cannot be redeemed through Shop n Smile Catalogue.
Milestone RP:
Not Applicable
Accelerated reward point
Up to 10% value back as Reward Points on AC Train Ticket Bookings at www.irctc.co.in – AC1, AC2, AC3, AC CC categories.
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
Customer can get value back of upto 10% on particular spends.
Lounge Access:
4 complimentary railway lounge access.
Customer gets railway lounge access on booking through this card for free.
Max. 1 railways lounges per quarter.The lounges are available only for the primary card holder.
Priority Pass
Not Applicable
Fuel Surcharge Waiver:
On purchase of fuel between Rs.500/- and Rs. 3,000/- each time, get 1% surcharge waiver upto Rs. 100 monthly.
Customer can save even while spending on fuel.
Maximum expenditure limit in a Month is Rs. 10,000.Get an annual Saving upto Rs. 1,200.
Other Benefits
Contactless technology, Add-on cards.
IRCTC SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs.1499 (one time)
Renewal Fee - Rs.1499 (per annum)
NOISE Colorfit Pulse Smartwatch worth Rs. 4,999 ( Discount Price of Rs. 2,999 @ Amazon) on paying Joining Fee
Eligible for Activation Benefit on paying Joining Fee + Doing atleast 1 retail transaction
1. Year Fitpass Pro Membership (Including FitPass + FitFeast + FitCoach Membership) worth Rs.
2. 1 Year Netmeds First Membership worth Rs. 1,500 (Discounted Price Rs. 500)
2 RP on every 100 Rs Spent except exclusion category spends mentioned otherwise 5X Rewards (10 RP) on Pharmacy & Chemist, Dining and Movie Spends Exclusions: Fuel Spends & Wallet Spends and other standard Reward Exclusions like Merchant EMI, Flexipay, Cash Advances, BT, Encash spends etc.
1% Fuel Surcharge waiver upto Rs. 250 / statement cycle on transaction between Rs. 500 to Rs. 4000
Complimentary Fraud Insurance cover of Rs. 1,00,000;
Air Accident Cover: Upto 50 lakhs;
Loss of Checked in Baggage Cover: Upto USD 1000
Loss of Travel Documents (Passport): 12,500
Delay in Flight: 7,500
Delay in Checked in Baggage: Rs. 7,500
Renewal Fee Waiver on completing Rs. 2,00,000 Spends in an annual year;
eVoucher of Rs. 1,500 from Netmeds on completing Rs. 4,00,000 spends in an annual year
Complimentary Priority Pass Membership worth USD 99 giving access to 1000+ Lounges. Please note, no complimentary visits, and each visit will be charged at USD 27+
Access to Domestic Lounges up to a maximum of 2 lounges / quarter
SBI PULSE Card
Joining & Annual Fees

Annual Fee - Rs.499 PA + GST
Renewal Fee - Rs.499 PA + GST
Welcome Offer - 2000 Bonus Reward Points
4.25% Value back ~ 13X reward points on fuel purchases
5X Reward points on every Rs.100 spend at Groceries, Departmental stores, Movies & Dining
5X Reward Points per Rs. 100 spent on standing instructions for Utility Bills payments
1 Reward point on all other retail spends, except fuel ( 1 RP = Rs 0.25)
No Minimum Threshold. Surcharge Waiver applicable only on transactions up to Rs. 4000/- for a max of Rs. 100/- per month.
Welcome Offer - Bonus Reward Points
  • Customer will get 2000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee.
  • Reward Points will be credited after 20 days of the payment of joining fee and the same can be redeemed instantly against fuel purchase at BPCL outlets, BPCL Vouchers or at Shop n Smile
BPCL SBI Card More Benefits
BPCL SBI Card
Joining & Annual Fees

Annual Fee - Rs. 500 + GST
Renewal Fee - Rs. 300 + GST / Year
Welcome Benefits:
350 Activation Bonus Reward Points on first retail spend of Rs.500 or more within 45 days
Customer gets welcome gift reward points which can be used while booking tickets.
Cash and fuel spends are not included.Bonus Reward Points will be credited to the IRCTC SBI Platinum Card account within 45 days of eligible transaction
Standard Reward Points:
1 RP/ Rs 125 spend on all retail transaction, including railway ticket purchases at irctc.co.in.
Customer can get a value back on all his retail spends.
Each Reward Point is equivalent to Re.1 of your ticket fare when redeeming these Reward Points.
Link your IRCTC SBI Card loyalty number with your irctc.co.in login id, to redeem your reward points
W.e.f. 01 Apr'21, Reward Points will be transferred to cardholder’s IRCTC Loyalty A/c and can be redeemed at IRCTC Website or Mobile App (android only)
IRCTC RP cannot be redeemed through Shop n Smile Catalogue.
Milestone RP:
Not Applicable
Accelerated RP
Up to 10% value back as Reward Points on AC Train Ticket Bookings at www.irctc.co.in – AC1, AC2,AC3, AC CC categories.
Customer can get value back of upto 10% on particular spends.
Lounge Access:
4 complimentary railway lounge access in a quarter to participating lounges in India.
Max 1 per quarter.Complimentary access to railway lounges will be applicable only for primary cardholders
Travel Offers from IRCTC:
Save 1% transaction charges on railway ticket bookings on www.irctc.co.in.
In case you decide to cancel any railway ticket booked using your IRCTC SBI Card(on RuPay platform) online on irctc.co.in, a charge of 1% of the total refund amount will be debited to your card
Fuel Surcharge Waiver
On purchase of fuel between Rs.500/- and Rs. 3,000/- each time,get 1% surcharge waiver upto Rs.100 monthly.
Customer can save even while spending on fuel.
Maximum expenditure limit in a Month is Rs. 10,000.Get an annual Saving upto Rs. 1,200.
Other Benefits
Contactless technology, Add-on cards.
SBI IRCTC Rupay Card
Joining & Annual Fees

Annual Fee - 1499 + GST / Year
Renewal Fee - 1499 + GST / Year
Spend Base Reversal
Welcome Benefits:
Customer gets 6000 RP worth Rs. 1500 on payment of joining fee.
Covers the joining fee with reward point of same value.
Reward Points will be credited after 30 days of the payment of joining fee.
Reward Benefits:
Customer Can earn 1 RP / Rs. 100 on all his Retail Spends.
Customer can earn 10 RP/ Rs.100 spend at Groceries, Departmental stores, Movies & Dining.25 RP on BPCL fuel & Lubricants.25 RP on Bharat Gas (Website & App only)
Customer can get a value back of 0.25% on all his retail spends
Customer gets 2.5% value back on Departmental, Grocery, Movie & Dinning and 6.25% value back on BPCL pump purchases.
This is not applicable on Non-BPCL fuel spends, cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI, wallet transactions and disputed transactions.
4 Reward points = 1 Rupee.
Reward Points Validity: 2 Year
Instant Reward Points Redemption at 1200 BPCL RO’s and Shop & Smile Catalogue. The upper cap for 10 RP/Rs. 100 spent is 7500 RP per month and after that, 1 RP will be given instead of 10 RP.
The upper cap for 25 RP/ Rs. 100 is 2500 RP per billing cycle 1.e. spends of Rs. 10,000. After that, 0 RP is given instead of 25 RP. (0 RP on Mobile Wallet Upload & Non BPCL fuel spends)
Spend Base Reversal:
On spending Rs. 2 lakhs & above in a year, next year's annual fee will be reversed.
Annual fee will be reversed for next year.
Milestone Benefits:
E-gift vouchers of Rs. 2,000 on spends of Rs. 3 lakhs of Aditya Birla Fashion/Yatra/ HushPuppies.
Lounge Access
4 complimentary domestic airport lounges in a year.
Max. 1 per quarter.
Fuel Surcharge Waiver:
7.25 % Value back (25X reward points equivalent to 6.25% + 1% Fuel surcharge waiver on every transaction up to Rs 4,000), at any BPCL petrol pump across the country.
Customer can save 7.25% even while spending on fuel.
Surcharge Waiver applicable only on transactions upto Rs. 4000.
Maximum surcharge waiver of Rs. 100 in a month, get an annual Saving upto Rs. 1,200.
- If card is using in another Petrol pump we will get base reward points
Other Benefits:
Fraud Liability Cover of 1 Lakh, Contactless technology, Add-on cards.
BPCL SBI Card Octane
Joining & Annual Fees

Annual Fee - 2,999 + GST / Year
Renewal Fee - 2,999 + GST / Year
Welcome Benefits:
e- Gift Voucher worth Rs. 3,000 from any of the following brands –Yatra.com, Hush Puppies/Bata,Pantaloons, Aditya Birla Fashion or Shoppers Stop as a 1 time joining gift.
Covers the joining feewith the e-gift voucher of same value.
Gift Voucher code will be sent to your registered mobile number within 15 working days of request
Online purchase can be made through Yatra and Shopper Stop vouchers
Aditya Birla Fashion e-gift vouchers are acceptable on Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet Fashion, Simon Carter brand stores
Standard Reward Points:
Customer Can earn 2 RP / Rs. 100 on all his Retail Spends.
Customer can get a value back of 0.5% on all his retail spends.
This is not applicable on fuel spends, cash advance, balance transfer, encash, financial charges, flexipay, merchant EMI,wallet transactions and disputed transactions
4 Reward points = 1 Rupee.Reward Points Validity: 2 Year
After the cap limit of 7,500 RP is achieved,2 RP for every Rs. 100 spent will continue to accrue
RPs applicable on Utility SI transactions can be earned for registrations done through SBI Card platforms (Mobile App/Website/Agents) only.
Milestone RP:
Pizza Hut e-Voucher of Rs. 1,000 on spends of Rs. 50,000 in a calendar quarter.
E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lakhs
Apart from regular benefits, additional benefit of Rs. 11,000 cumulatively.
Pizza hut voucher sent on mobile phone within 15 days.Yatra/Pantaloons voucher sent on SMS within 10 days
Accelerated RP
Customer can earn:20 RP/ Rs. 100 on utility bill payment and birthday spend (birthday, one day before and one day after).
10 RP/ Rs. 100 on every purchase at Dining, Departmental Stores, Movies and Grocery Stores.
Customer can get a value back of upto 5% of their spends.
Lounge Access:
4 & 8 complimentary international & domestic Airport Lounge visits per year respectively
Each lounge access will be provided for free.
Only 2 lounges per quarter.Only Primary Cardholders are eligible for Priority Pass complimentary membership.
Priority Pass:
Complimentary membership to the Priority Pass Program
Each priority pass membership costs $99, which will be provided for free.
Fuel Surcharge Waiver
On purchase of fuel between Rs.500/- and Rs. 4,000/- each time,get 1% surcharge waiver upto Rs.250 monthly.
Customer can save even while spending on fuel.
Maximum expenditure limit in a Month is Rs. 25,000.Get an annual Saving upto Rs. 3000.
Spend Base Reversal:
On spending Rs. 3 lakhs in a year, next year's annual fee will be reversed.
Annual fee will be reversed for next year.
Other Benefits
Trident Privilege Membership, Club Vistara Membership, Fraud Liability Cover of 1 Lakh, Visa card/ Master Card privileges, Air accidental Liability Cover of 50 Lakh.
SBI Card PRIME
Joining & Annual Fees

Joining Fee:Nil
Annual Fee(2 nd year onwards): INR 1,000 from 2nd year onwards. Enjoy annual fee waiver on INR 1.5 lakhs spends in the previous year.
* 4000 rewards point on Annual fee realization if the spends not met for fee reversal.4000 RP = Rs 1000
Earn 4 reward points on every INR 150 spent on retail categories*.
Additional 4 reward points (8 points) per INR 150 on monthly Retail spends* above INR 20,000
Get 1 reward point on every INR 150 spent on insurance and government payments.
Get 1% Fuel Surcharge waiver.
Enjoy domestic airport lounge access* once every quarter.
Adjust* reward points earned on the Rewards credit card against outstanding card statement balance.
Standard Chartered Rewards Card
Joining & Annual Fees

Joining Fee - Rs 1999 + GST
*Spend INR 40,000 in first 30 days and get waiver on first year membership fee
Annual Fee - Rs 1999 + GST
*Spend INR 3 Lakhs in a year & get waiver on renewal membership fee for subsequent year
Benefits worth over Rs. 1,05,000 in a year
Please Click Here to view Value Chart
Annual Bonus of 25,000 Reward Points on spends of Rs. 20,00,000 in an anniversary year
Accelerated Points: 12 Reward Points for every INR 200 on all categories other than 'Select categories'
Points on Other Categories: 6 Reward Point for every INR 200 on Select categories
Validity of Points: Accumulated Reward Points never expire
25% Discount on Bookmyshow
Unlimited complimentary Airport Lounge access outside India through Priority Pass Membership for Primary & all Add-on cardmembers
Preferential Foreign Currency Markup of 1.75% only
Attractive Interest rate on Revolving Credit of 1.99% per month
Terms & Conditions apply. Please click here to know more
YES First Exclusive Card
Joining & Annual Fees

Joining Fee - Rs 999 + GST
*Spend INR 20,000 in first 30 days and get waiver on first year membership fee
Annual Fee - Rs 999 + GST
*Spend INR 2 Lakhs in a year and get waiver on renewal membership fee for subsequent year
Benefits worth over Rs. 22,500 in a year
Please Click Here to view Value Chart
Accelerated Points: 6 Reward Points for every INR 200 on all categories other than 'Select categories'
Points on Other Categories: 3 Reward Point for every INR 200 on Select categories
Validity of Points: Accumulated Reward Points never expire
25% Discount on Bookmyshow
2 complimentary Airport Lounge access per calendar year outside India through Priority Pass Membership for Primary cardmembers
Preferential Foreign Currency Markup of 2.50% only
Fuel Surcharge waiver across all fuel stations in India
Terms & Conditions apply. Please click here to know more
YES Premia Card
Joining & Annual Fees

Joining Fee:Nil
Annual Fee(2 nd year onwards): INR 499, reversed with retail spend of INR 120K per year
2% cashback for online spend || max of Rs. 1,000/month
1% cashback for offline spend ||a) max of Rs. 500/month, b) no cashback on fuel spends (c) no cashback on cash withdrawals
All cashback earned will be available in R360 & client will need to redeem the same.
At redemption: (a) For first-time redemption of cashback on Smart card, client needs to attain min cashback of Rs 1000 in his/her account. (b) Post the first redemption, all redemptions can be made in multiples of 500
Extended Interest- Free Credit Period for 1st 90-Days || (a) only applicable on retail purchases (b) not applicable on cash withdrawals (c) not applicable on transactions converted into EMI (d) minimum amount due payment mandatory in each statement cycle to avail the benefit
Exclusive Smart Card KBE offer - 0.99% p.m. & Nil Proc fee || (a) only applicable on 3-month tenor (b) only applicable on transactions converted into EMI via Online Banking or sc mobile or other channels of SCB (c) it is not applicable on any EMI conversions done by clients at the point of purchase (retail merchants or ecommerce websites)
Product Terms & Conditions
Most Important Document
Standard Chartered Smart Card
Joining & Annual Fees

Joining Fee - Rs 399 + GST
*Spend INR 10,000 in first 30 days and get waiver on first year membership fee
Annual Fee - Rs 399 + GST
*Spend INR 1 Lakh in a year and get waiver on renewal membership fee for subsequent year
Benefits worth over Rs. 17,800 in a year
Please Click Here to view Value Chart
Annual Bonus of 15,000 Reward Points on spends of Rs. 6,00,000 in an anniversary year
Accelerated Points: 4 Reward Points for every INR 200 on all categories other than 'Select categories'
Points on Other Categories: 2 Reward Points for every INR 200 on Select categories
Validity of Points: Accumulated Reward Points never expire
Complimentary Priority Pass membership (Lounge visits charges as applicable)
Fuel Surcharge waiver across all fuel stations in India
Terms & Conditions apply. Please click here to know more
YES Prosperity Edge Card
Joining & Annual Fees

Joining Fee - INR 5,000 + GST
Annual Fee - INR 5,000 + GST
Enjoy 3.33% Rewards on all your spends. Earn 5 reward points per INR 150 spend(1 Reward Point = INR 1)
Reduced foreign currency markup fee of 2%
Complimentary priority pass membership worth $99 - 1 free* lounge visit per month on spending INR 20,000 in previous month of lounge usage
Complimentary* domestic airport lounge under Visa Program & access* to premium golf courses in the country
5%* cashback on duty-free spends - Max INR 1,000 per month
Air Travel Accident Coverage* of INR 1 Crore and Medical insurance worth $25K
Joining and Annual Benefits:
Joining Benefits: 6,000 reward points* worth INR 6,000 on fee payment
Renewal Benefits: 5,000 reward points* worth INR 5,000 on fee payment
Standard Chartered Ultimate card
Joining & Annual Fees

Joining Fee - INR 750 + GST
Renewal Fee - INR 750 + GST
5% Cashback on Fuel ( includes 1% cashback on Fuel Surcharge ) - Max INR 200 / Month
5% Cashback on Utility Bill Payment (through BBPS only ) - Max INR 100 / Month - Click here to know more
5% Cashback on Telecom Bill Payment (through BBPS only ) - Max INR 200 / Month
1 Reward Point / INR 150 Spend - All Other Spends
Complimentary Super Value Titanium credit card with Priority Pass membership for Premium Banking Customers
Joining and Annual Benefits:
Joining Benefits: 100% cashback up to INR 1500 on transactions at Fuel Pumps within first 90 Days
Renewal Benefits: Renewal fee (2nd year onwards) waived on spends greater than INR 90,000 in the previous year
Standard Chartered Super Value Titanium card
Joining & Annual Fees

Joining Fee - Rs 399 + GST
*Spend INR 5,000 in first 30 days and get waiver on first year membership fee
Annual Fee - Rs 399 + GST
*Spend INR 0.5 Lakh in a year and get waiver on renewal membership fee for subsequent year
Benefits worth over Rs. 4,600 in a year
Please Click Here to view Value Chart
Annual Bonus of 12,000 Reward Points on spends of Rs. 3,60,000 in an anniversary year
Accelerated Points: 4 Reward Points for every INR 200 on all categories other than 'Select categories'
Points on Other Categories: 2 Reward Points for every INR 200 on Select categories
Validity of Points: Accumulated Reward Points never expire
Fuel Surcharge waiver across all fuel stations in India
Terms & Conditions apply. Please click here to know more
YES Prosperity Rewards Plus Card
Joining & Annual Fees

Joining Fee(1 st year): INR 350
Annual Fee(2 nd year onwards): INR 350, Fee waived on INR 50K in previous year
Assured discounts on all travel bookings at EaseMyTrip website/app using promo code "EMTSCB"
Flat 20% instant discount* on domestic & international hotel bookings(Max discount of Rs 5000 and Rs 10000 respectively)
Flat 10% off* on domestic & international flight bookings(Max discount of Rs 1000 and Rs 5000 respectively)
INR 125 off on bus ticket bookings(On minimum ticket booking of Rs 500)
Rewards Program
2x reward points* for every INR 100 spent on all other category of retail spends (2 reward point = INR 0.50)
Lounge Benefits
Enjoy 1 domestic lounge access per calendar quarter and 2 international lounge access per year.
Product Terms & Conditions
Most Important Document
Standard Chartered EaseMyTrip Card
Joining & Annual Fees

Joining fees: Nil
Annual fees: Nil
Welcome Offer:
100 % instant cashback credit up to INR 300 on first utility bill payment within 30 days of card issuance. This is a one-time only offer and is valid only for first 30 days of card issuance.
Highlights:
40% Off On Zomato
5% Off On Utility Bill Payments Done Via Amazon Pay
10% Off On Blinkit, Myntra And Book My Show Movie Ticket
1 Reward point with every Rs. 200 spent
Upto 15% Discount On Fine Dining At Selected Restaurants
Axis Bank Neo Credit Card
 



Credit Card Basics


The Credit card is the most divisive financial tool available. If you talk about the history of Credit cards, they started out as Simple and Standard. Each Card issuer had one card with same set of features. Today credit cards come in multiple ranges with varying features, interest rates, annual fees etc. It is really important an individual knows which Card will suit his/her lifestyle and financial situation.


A brief description of various kinds of credit cards is as follows:


Standard Credit Cards: These are the most common kind of credit cards. They do not require a security deposit to prove that the loan can be repaid. The way the Annual Percentage Rate (APR) is offered or calculated on a standard credit card may vary. For instance:

  1. Balance transfer Credit cards: Balance transfer credit cards allow consumers to transfer a high interest credit card balance onto a credit card with a low interest rate.

  2. Low interest Credit cards: Low interest credit cards offer either a low introductory APR that jumps to a higher rate after a certain period, or a single low fixed-rate APR.

Reward Cards: A rewards card can be beneficial for the right kind of user. You can earn free airline tickets, hotel stays, cash back, gift cards and even novelty vacations, etc.


Before choosing any reward card, however, one needs to consider his Credit card spending tendencies. Ask yourself are you someone who regularly pays the full monthly balance, or do you carry a balance from month-to-month? The interest rate with a rewards card is quite higher when compared to typical Credit cards. If you occasionally carry a balance, it is advised to not go for a rewards card. High interest rates coupled with late fee penalties will mean you will end up losing heavy money while chasing petty rewards.



Different types of reward cards


Cash Back: This type of credit card allows you to earn cash rewards for making purchases. The more the card is used, the more cash rewards you receive. Most cash back cards earn users around 1% of total purchases. I.e. you typically earn cash back worth Rs 100 on purchases of Rs 10,000. Some cards offer a higher cash back percentage with increased usage; others offer a higher cash back percentage at select merchants or for particular types of purchases.


General Reward Point Credit Cards: In Reward points Cards, cardholders can accumulate points towards a reward structure, which is based on usage of card over the period. E.g. Cardholder is awarded 1 reward point for each rupee he/she spends. There are certain Bonus spend rewards as well for certain annual spending such as:


  Annual Spends   Bonus Reward Point
  Rs. 2 Lakh   10,000
  Rs. 3 Lakh   10,000
  Rs. 4 Lakh   10,000
  Rs. 5 Lakh   20,000

SBI signature contactless card bonus reward points


Hotel/Travel Point Credit cards: This is a genre of credit cards specific to hotels and travel. Some cards are co-branded with hotels. These credit cards allow you to earn points for all purchases, in addition to bonus points for dollars spent on stays at the respective hotel chain. You can redeem your points for free nights and upgrade at the hotel chain your card is co-branded with. Then there are broader hotel and travel cards with which points can be redeemed for travel, theme park admission, stays at major hotel chains and more.


Examples of such Cards are Yatra SBI Card

Gas Cards: Gas Cards with points or rebate have a high reward structure for Fuel purchases/Car maintenance. If you drive a lot, consider a gas card for more points on gasoline purchases. Gas cards come in two types: general and brand-specific. A general gas rebate card, for example, may give you 1% cash back for general purchases but rewards you with 5% back for buying gas or having auto maintenance done at any company.


Airline Miles/ Frequent flier credit cards: There is a subset of reward cards specifically for air travel. This type of card allows consumers to earn airline mile credits whenever they make purchases. Some cards are co-branded with a specific airline, while some are generic and can be redeemed for tickets with a variety of airlines. Points can be redeemed for airline travel, much like frequent flier miles.
Airline Specific Credit Cards: JetPrivilege HDFC Bank World Credit Card


Secured Credit Cards: Secured credit cards require a security deposit for approval. These cards are useful in reestablishing the credit score. The cards have an annual fee and higher annual interest rates. Most often, these cards are used to reestablish credit. A person can use the card to make small purchases that they can easily repay.


Specialty Credit Cards: These types of cards are for consumers with unique needs for their credit usage, such as business professionals and students. These credit card programs are designed specifically to meet the needs of those individuals.

  1. Business Credit Card: These cards are available for business owners and executives and have many of the same features as traditional credit cards. Some of these bonuses include: Business expenses kept separate from personal expenses; special business rewards and savings; expense management reports; additional cards for employees; and higher credit limits. Example: SBI Platinum Corporate Card

  2. Student Credit Cards: Student credit cards are specifically designed for those enrolled in accredited four-year colleges and universities to help them build a credit history from the ground up. Compared to consumer credit cards, student credit cards are often scaled back somewhat in terms of reward features and other benefits. Example: SBI ADVANTAGE Plus card.