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Joining & Annual Fees

Joining Fee - ₹ 250 + GST
Renewal Fee - ₹ 250 + GST
5 Reward Points / INR 150 Spend on Hotel, Restaurants & Fuel Spends
1 Reward Point / INR 150 Spend - All Other Spends
Joining Benefits: 100% cashback up to INR 500 on transactions at restaurants within first 90 Days
Renewal Benefits: Renewal fee (2nd year onwards) waived on spends greater than INR 60,000 in the previous year
Standard Chartered Platinum Rewards card
Joining & Annual Fees

Joining Fee - ₹ 750+GST
Renewal Fee - ₹ 750+GST
Benefits:
5% Cashback on Fuel ( includes 1% cashback on Fuel Surcharge ) - Max INR 200 / Month
5% Cashback on Utility Bill Payment (through BBPS- SCB Bill Payment Platform 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
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 499+GST
*Spend Rs 10,000 in first 90 days to get joining fee reversed
Annual Fee - Rs 499+GST
*Spend 50,000 in a year to get next year fee reversed
Accelerated Points: 6 Reward Points per INR 200 on Grocery Stores & Supermarkets
Points on Other Categories: 4 Reward Points per INR 200 on other categories
Bonus on Registering at YES PAYNOW: 500 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
Annual Milestone Bonus: Earn 12,000 Bonus Reward Points on achieving spends of INR 3.6 Lakhs or more in each anniversary year
Rate of Interest: Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Forex Markup: Preferential Foreign Currency Markup of 3.40% only
Credit Shield Cover: Credit Shield cover in case of accidental death of Primary Cardmember
YES Prosperity Rewards Plus Card
Joining & Annual Fees

Joining Fee - Rs 2,499+GST
Annual Fee - Rs 2,499+GST
*Spend 4,00,000 in a year to get next year fee reversed
Welcome Gift : Get 10,000 Reward Points on your first transaction done within first 90 days of card set up datea
Renewal Reward Points :Enjoy Renewal Benefit of 7,500 Reward Points on each renewal
Accelerated Points: 16 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
Points on Other Categories: 8 Reward Points per INR 200 spent on all other categories
Bonus on Registering at YES PAYNOW: 1000 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
Redeemption option 3: Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
Annual Milestone Bonus: Earn 20,000 Bonus Reward Points on achieving spends of INR 7.5 Lakhs or more in each anniversary year
Rate of Interest: 3.5% pm
Forex Markup: 1.75%
Credit Shield Cover: Yes
Master Card Golf Programme: Enjoy 4 complimentary rounds of green fees per calendar year along with one complimentary Golf Lesson every calendar month at select golf courses in India
Priority Pass: Complimentary Priority Pass Membership and 4 Complimentary Visits outside India in a calendar year for Primary Cardmember only
Access to Domestic Lounge: Enjoy Domestic Lounge access (limited to 3 visits per quarter) for Primary Cardmembers across 25+ Lounges in India
Life Insurance Due to Air Accident: Life Insurance Cover of INR 1 Cr for death due to Flight Accident
Hospitalisation Abroad: Medical Insurance cover of INR 25 Lakhs for emergency hospitalization when travelling overseas
Book My Show Offer: 25% on movie tickets upto Rs 250/month
Concierge and Roadside Service: Dedicated Concierge and Road Side Assistance
YES First Preferred Card
Joining & Annual Fees

Joining Fee - Rs 1,199+GST
*Spend 15,000 in first 90 days to get joining fee reversed
Annual Fee - Rs 1,199+GST
*Spend 75000 in a year to get next year fee reversed
Accelerated Points: 8 Reward Points per INR 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends
Points on Other Categories: 4 Reward Points per INR 200 on other categories
Bonus on Registering at YES PAYNOW: 500 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
Redeemption option 3: Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
Annual Milestone Bonus: Earn 15,000 Bonus Reward Points on achieving spends of INR 6 Lakhs or more in each anniversary year
Rate of Interest: Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Forex Markup: Preferential Foreign Currency Markup of 3.00% only
Credit Shield Cover: Credit Shield cover in case of accidental death of Primary Cardmember
Master Card Golf Programme: Enjoy 4 complimentary rounds of green fees per calendar year at select Golf courses in India along with one complimentary Golf Lesson every calendar month at select golf courses in India
Priority Pass: Complimentary Priority Pass Membership for Primary Cardmember only
Access to Domestic Lounge: Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30+ Lounges in India
Life Insurance Due to Air Accident: Life Insurance Cover of INR 50 Lakhs for death due to air accident
Hospitalisation Abroad: Medical Insurance cover of INR 15 Lakhs for emergency hospitalization when travelling overseas
YES Prosperity Edge Card
Joining & Annual Fees

Joining Fee - Rs 1,599+GST
*Spend 25,000 in first 90 days to get joining fee reversed
Annual Fee - Rs 1,599+GST
*Spend 1,50,000 in a year to get next year fee reversed
Accelerated Points: 8 Reward Points per INR 200 on Grocery Stores & Supermarkets, Department Stores and Dining spends
Points on Other Categories: 6 Reward Points per INR 200 on other categories
Bonus on Registering at YES PAYNOW: 750 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Reward Points can be redeemed at dedicated dedicated website for flights,hotels and movie tickets
Redeemption option 3: Redemption of Reward Points against Air Miles (10 Reward Points = 1 InterMile / 1 Club Vistara Point)
Rate of Interest: Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Forex Markup: Preferential Foreign Currency Markup of 2.50% only
Credit Shield Cover: Credit Shield cover of INR 2.5 Lacs in case of accidental death of Primary Card membe
Master Card Golf Programme: Waiver of Green fee 4 times at select golf courses and 1 complimentary lesson/month
Priority Pass: Enjoy Priority Pass Membership and 2 complimentary visits outside India in a calendar year for Primary Card member only
Access to Domestic Lounge: Enjoy Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 25+ Lounges in India under the Mastercard Lounge Program.
Book My Show Offer: 25% on movie tickets upto Rs 250/month at BookMyShow.com
YES Premia Card
Joining & Annual Fees

Joining Fee - Rs. 4,999+GST
Annual Fee - Rs. 4,999+GST
Welcome Gift: Earn 20,000 Reward Points on your first transaction done within 30 days of the Card set-up date
Renewal Reward Points: Earn Renewal benefit of 15,000 Reward Points on each renewal
Accelerated Points: 16 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
Points on Other Categories: 8 Reward Points per INR 200 spent on all other categories
Bonus on Registering at YES PAYNOW: 1000 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Reward Points can be redeemed at dedicated website for flights,hotels and office supplies
Redeemption option 3: Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
Annual Milestone Bonus: Earn 20,000 Reward Points on achieving annual spends of INR 12 Lakhs or more in each anniversary year
Rate of Interest: Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Forex Markup: Preferential Foreign Currency Markup of 1.75% only
Credit Shield Cover: INR 5 Lakhs credit shield cover on accidental death of Primary Cardmember
Master Card Golf Programme: Waiver of Green fee at select golf courses and 1 complimentary lesson/month
Priority Pass: Complimentary Priority Pass membership with 6 complimentary International lounge access for Primary Cardmembers in a calendar year
Access to Domestic Lounge: 3 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for Primary Cardmember
Life Insurance Due to Air Accident: INR 1 Crore air accidental cover in case of death due to a flight accident
Hospitalisation Abroad: INR 25 Lakhs cover on medical emergencies, while travelling overseas
Concierge and Roadside Service: Dedicated Concierge and Road Side Assistance
YES First Business Card
Joining & Annual Fees

Joining Fee - Rs. 2,499+GST
Annual Fee - Rs. 2,499+GST
Welcome Gift: 10,000 Reward Points on first transaction within 30 days of card set up date
Renewal Reward Points: Earn Renewal benefit of 7,500 Reward Points on each renewal
Accelerated Points: 8 Reward Points per INR 200 spent on Travel Agencies & Tour Operators, Domestic Airlines and Dining
Points on Other Categories: 4 Reward Points per INR 200 spent on all other categories
Bonus on Registering at YES PAYNOW: 500 Reward Points on each YES PayNow registration
Validity of Points: Never expire
Value of Points: Rs.0.25/ Reward Points
Redeemption option 1: Reward Points can be redeemed against gift catalogue
Redeemption option 2: Reward Points can be redeemed at dedicated website for flights,hotels and office supplies
Redeemption option 3: Redemption of Reward Points against Air Miles (8 Reward Points = 1 InterMile / 1 Club Vistara Point)
Annual Milestone Bonus: 10000 Reward Points on spending 6 lakhs in year
Fuel Surcharge Waiver: Across all petrol pumps for transaction between Rs400 to Rs5000.
Total waiver in a statement cycle is capped at INR 500.: Across all petrol pumps for transaction between Rs400 to Rs5000.
Total waiver in a statement cycle is capped at INR 1000.: Across all petrol pumps for transaction between Rs400 to Rs5000
Total waiver in a statement cycle is capped at INR 125.: Across all petrol pumps for transaction between Rs400 to Rs5000
Total waiver in a statement cycle is capped at INR 250.: Across all petrol pumps for transaction between Rs400 to Rs5000
b>Total waiver in a statement cycle is capped at INR 250.: Across all petrol pumps for transaction between Rs400 to Rs5000
Rate of Interest: Interest Rate of 3.5% per month (42% annually) on Revolving Credit, Cash Advances and Overdue Amount
Forex Markup: Preferential Foreign Currency Markup of 2.50% only
Credit Shield Cover: INR 2.5 Lakhs credit shield cover on accidental death of Primary Cardmember
Master Card Golf Programme: Waiver of Green fee at select golf courses and 1 complimentary lesson/month
Priority Pass: Complimentary Priority Pass membership with 3 complimentary International lounge access for Primary Cardmembers in a calendar year
Access to Domestic Lounge: 2 complimentary access per calendar quarter to MasterCard affiliated lounges across Indian airports for the Primary Cardmember
Life Insurance Due to Air Accident: INR 50 Lakhs Air accidental cover in case of death due to a flight accident
Hospitalisation Abroad: INR 15 Lakhs cover on medical emergencies, while travelling overseas
YES Prosperity Business Card
Joining & Annual Fees

Annual Fee - Rs.4999 (one time)
Renewal Fee - Rs.4999 (per annum)
5X Reward Points on Dining, Departmental stores, Grocery and International spends
Welcome e-gift voucher worth Rs. 5,000
Up to 50,000 Bonus Reward Points on annual spends
2 complimentary movie tickets worth Rs. 500 every month at bookmyshow.com
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SBI ELITE Card
Joining & Annual Fees

Joining fee: No Joining Fee
Monthly Usage Fee: INR 49 +GST
20% off at Myntra - Up to INR 700 Discount / Month
15% cashback on Ola - Up to INR 600 Cashback / Month
10% off on Zomato - Up to INR 750 Discount / Month
10% off on Grofers - Up to INR 1,000 Discount / Month
Weekends with BOGO offer on Inox - Up to INR 400 Discount / Month
Discount at Yatra on domestic flights , international flights , domestic hotels / Qtr.
Joining Benefits: No Joining Benefits
Renewal Benefits: Monthly Fee reversed on spends of INR 5,000
Standard Chartered DigiSmart Card
Joining & Annual Fees

Annual Fee - Rs. 1,499 + taxes
5,000 Reward Points, Complimentary Membership to Air India Frequent Flyer Program
Upto 15 Reward points on every Rs 100 spent on Air India tickets
Get 2 Reward points for every Rs. 100 spent
1 Reward Point = 1 Air India Air Mile
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Air India SBI Platinum Card
Joining & Annual Fees

Annual Fee - Rs.500 (one time) Renewal Fee - Rs.300 (per annum)
Earn up to 10% value back as Reward Points on ticket purchase from irctc.co.in for AC1, AC2, and AC CC (1 Reward Point = Rs. 1)
Get 350 activation bonus point on spending Rs. 500
save 1.8% transaction charges, exclusive of GST and all other charges, when you book railway tickets on irctc.co.in
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
IRCTC SBI Platinum Card
Joining & Annual Fees

Joining Fee - ₹ 999+GST
Renewal Fee - ₹ 999+GST
5% Cashback on all Grocery spends , Supermarkets and Departmental store spends (Cashback applicable on min. transaction of >= INR 1000 - Max cashback of INR 500 / Month)
3 Reward Points / INR 150 Spend - All Other Spends
Joining Benefits: 5000 Reward Points on payment of joining fees
Renewal Benefits: Renewal fee (2nd year onwards ) waived on spends greater than INR 120,000 in the previous year
Standard Chartered Manhattan Platinum Card
Joining & Annual Fees

Joining Fee: Rs.1499 + Taxes (one time)
Renewal Fee: Rs.1499
Welcome Benefits:
Get 1500 bonus reward points equivalent to INR 1500 on payment of first annual fee
Avail Movie voucher worth 500 from Book my show* on spends of INR 2000 within first 60 days
Bonus Reward Points will be credited to the IRCTC SBI Platinum Card account within 45 days of eligible transaction
Reward Benefits:
10% Value back on AC1, AC2, AC3, AC CC as reward points for your ticket purchase on www.irctc.co.in
5 Reward Points per INR 100 on Air tickets booked on www.air.irctc.co.in
5 Reward Points per INR 100 on E-catering purchases on www.ecatering.irctc.co.in
3 Reward points per INR 125 on Dining and Utility spends
Earn 1 Reward point per 125 spnt on other retail purchases(Non fuel) including railway ticket purchases at www.irctc.co.in
Link your IRCTC SBI Card loyalty number with your irctc.co.in login id, to redeem your reward points. For details, click here
Please click here for FAQ's.
Milestone Benefits:
Earn 2,500 bonus Reward Points on annual travel spends* of Rs. 50,000
Earn 5,000 bonus Reward Points on annual travel spends* of Rs. 1,00,000
Spend Based Reversal of Annual Fee on spends of Rs. 2 Lakhs
Zero Payment Gateway Charges:
Save 1.8% 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
Fuel Surcharge Waiver:
Enjoy freedom from paying the 1% fuel surcharge across all petrol pumps in India, on transactions of Rs. 500 - Rs. 3,000, exclusive of GST and other charges
Get maximum surcharge waiver of Rs. 100 per statement cycle per credit card account
Complimentary Insurance Cover:
Complimentary Rail Accident Insurance of INR 10 Lakhs
Complimentary Air Accident insurance of INR 50 Lakhs
Complimentary Fraud Liability cover of INR 1 Lakh
IRCTC SBI Card Premier
Joining & Annual Fees

Joining Fee: Rs.1499 (one time)
Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 2 lakhs in a year)
Add-on card fee: NIL
Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
Professional Indemnity Insurance Cover of Rs. 10 Lakhs for reimbursement of all Legal & defense costs, out-of-court settlement expenses and court awards
5X Reward Points on Medical Supplies, Travel Bookings & International Spends
5X Reward Points on all spends on Doctor's Day i.e. 1st July
1 Reward Point per Rs. 100 for all other spends
E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs
8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 visits per quarter)
Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)
1% Fuel Surcharge Waiver at petrol pumps across the country*
DOCTOR'S SBI CARD
Joining & Annual Fees

Joining Fee: Rs.2999 + applicable taxes
(Get Welcome Gift of Premium Economy Ticket E-Voucher, base fare waived off)
Renewal Fee: Rs.2999 + applicable taxes(Get Welcome Gift of Premium Economy Ticket E-Voucher, base fare waived off)
Add-on Fee: NIL
Welcome & Activation Benefits:
Enjoy 1 Premium Economy class ticket E-Gift Voucher (base fare waived off) on payment of Annual fee
Spend Rs 75,000 within 90 days of card issuance and get 3000 Bonus CV points
Reward Earnings:
Enjoy 2 CV Points on your spends (per Rs 100 spent) on all categories including Fuel
Milestone Benefits:
Get 1 Premium Economy class ticket each on annual spends of Rs 1.5 lakhs, Rs 3 lakhs, Rs 4.5 lakhs & Rs 8 lakhs
Get 1 Hotel E-Voucher from Yatra worth Rs 10,000 on reaching annual spends of Rs 8 lakhs
Comprehensive Insurance Cover:With the Club Vistara SBI Card PRIME by your side, you don't have to worry about unforeseen events while travelling. When in an emergency, allow us to step in and help you with our insurance benefits
Loss of check in baggage up to Rs 72,000
Delay of check in baggage Rs 7,500
Loss of travel documents up to Rs 12,500
Lost card liability cover up to Rs 1 lakh
Cancellation - Cover up to Rs 3500
Baggage Damage- Cover up to Rs 5000
Air Accident Cover up to Rs 1 Cr
Lounge Program:
Enjoy exclusive lounge privileges with your Club Vistara SBI Card PRIME
Domestic Airport Lounge access:
Enjoy 8 complimentary visits per year to Domestic Airport lounges (subject to a max of 2 per quarter)
International Airport Lounge access:
Enjoy complimentary priority pass membership worth USD Rs 99 for the entire duration of the product & 4 complimentary visits per year (limited to 2 visits per quarter)
To apply for Priority Pass Card, pls visit sbicard.com
Club Vistara SBI Card PRIME
Joining & Annual Fees

Joining Fee: Rs.1499 + applicable taxes (one time)
(Get Welcome Gift of Economy Ticket E-Voucher, base fare waived off)
Renewal Fee: Rs.1499 + applicable taxes(Get Welcome Gift of Economy Ticket E-Voucher, base fare waived off)
Add-on Fee: NIL
Welcome & Activation Benefits:
Enjoy 1 Economy class ticket E-Gift Voucher (base fare waived off) on payment of Annual fee
Spend Rs 50,000 within 90 days of card issuance and get 1000 Bonus CV points
Reward Earnings:
Enjoy 3 CV Points on your spends (per Rs 200 spent) on all categories including Fuel
Milestone Benefits:
Get 1 Economy class ticket each on annual spends of Rs 1.25 lakhs, Rs 2.5 lakhs & Rs 5 lakhs
Get 1 Hotel E-Voucher from Yatra worth Rs 5000 on reaching annual spends of Rs 5 lakhs
Comprehensive Insurance Cover:With the Club Vistara SBI Card by your side, you don't have to worry about unforeseen events while travelling. When in an emergency, allow us to step in and help you with our insurance benefits
Loss of check in baggage up to Rs 72,000
Delay of check in baggage Rs 7,500
Loss of travel documents up to Rs 12,500
Lost card liability cover up to Rs 1 lakh
Cancellation - Cover up to Rs 3500
Baggage Damage- Cover up to Rs 2500
Air Accident Cover up to Rs 50 lakhs
Lounge Program:
Enjoy exclusive lounge privileges with your Club Vistara SBI Card
Domestic Airport Lounge access:
Enjoy 4 complimentary visits per year to Domestic Airport lounges (subject to a max of 1 per quarter)
International Airport Lounge access:
Enjoy complimentary priority pass membership worth USD Rs 99 for the entire duration of the product
To apply for Priority Pass Card, pls visit sbicard.com
Club Vistara SBI Card
Joining & Annual Fees

Annual Fee - Rs.499
Renewal Fee - Rs.499
Welcome Gift of Rs. 8,250 worth Yatra.com vouchers on payment of joining fee
Travel Benefits
Domestic Flight bookings - Rs.1000 off on total fare. Minimum booking amount of Rs.5,000
International Flight bookings - Rs.4000 off on total fare. Minimum booking amount of Rs.40,000
Domestic Hotel bookings - Flat 20% off on Minimum booking amount of Rs.3,000. Maximum discount of Rs.2,000 on each transaction
Maximum 6 usages on any category, every calendar year
To Avail the Travel benefit, use Promo code 'TRAVEL' at the time of booking. Promo code can be used maximum 6 times in every calendar year
Get 6 Reward Points on every Rs.100 spent at Departmental and grocery stores, Dining, Movies, Entertainment and International spend
Exclusive access to MasterCard airport lounges in India
Get Rs.50 lac Air Accidental death benefit for Primary cardholder when ticket is booked on Yatra.com using Yatra SBI Card
1 Reward Point = Rs.0.25 (Reward Points redeemable at Yatra.com)
(Annual Renewal Fee waived off on annual spends of Rs.90,000 in the last year)
1% fuel surcharge waiver at all petrol pumps
Yatra SBI Card
Joining & Annual Fees

Joining Fee: Rs.1499 (one time)
Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 2 lakhs in a year)
Add-on card fee: NIL
Welcome e-Gift Voucher worth Rs. 1,500 from Yatra.com
The only credit card to be associated with the esteemed Indian Medical Association (IMA)
Professional Indemnity Insurance Cover of Rs. 20 Lakhs for reimbursement of all Legal & defense costs, out-of-court settlement expenses and court awards
5X Reward Points on Medical Supplies, Travel Bookings & International Spends
5X Reward Points on all spends on Doctor's Day i.e. 1st July
1 Reward Point per Rs. 100 for all other spends
E-Gift Voucher from Yatra.com/Bata/Shoppers Stop worth Rs. 5,000 on achieving annual spends of Rs. 5 Lakhs
8 complimentary visits per year to Domestic Airport Lounges in India (max. 2 visits per quarter)
Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary visits per year to International Airport Lounges outside India (max. 2 visits per quarter)
1% Fuel Surcharge Waiver at petrol pumps across the country*
DOCTOR'S SBI CARD (IMA)
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

Joining Fee : Nil
Annual Fee : Rs 1000*
*Zero Annual Fee on spend of Rs.30000 or more in a membership year
Get 1,500 bonus points on your first spend made within 30 days of card issue
Get 1,000 bonus points on your first spend of Rs. 1000 made within 60 days of card issue
Earn 10X Reward Points for every Rs.125 spent at apparel and department stores and select partners
Earn Reward Points at rate of 1 point for every Rs.125 on all other purchases
Get 300 bonus points on card spends of Rs.30,000+ in a month
Up to 15% savings across participating restaurants.
Get instant redemption against movie tickets, travel bookings, mobile services , and more.
Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
Your reward points will never expire
For detailed T&Cs you can visit https://www.online.citibank.co.in/credit-card/terms#termsmitc
Citi Rewards Credit Card
Joining & Annual Fees

Joining Fee : Nil
Annual Fee : Rs 1000*
*Zero Annual Fee on spend of Rs.30000 or more in a membership year
Get Rs.250 worth of activation benefits*limited offer
Save more on fuel at IOC outlets.
4 Turbo Points on Rs.150 spent on fuel at authorized IndianOil outlets (2.67% savings)
Complete waiver of 1% fuel surcharge at authorized IndianOil outlets.
Get up to 71 litres of free* fuel annually by redeeming your turbo points for fuel at 1200+ authorized IndianOil outlets
Turbo Points never expire ! 1 Turbo point - 1 Rs.
Up to 15% savings on dining across participating restaurants
For detailed T&Cs you can visit https://www.online.citibank.co.in/credit-card/terms#termsmitc
IndianOil Citi Credit Card
Joining & Annual Fees

Joining Fee : Rs.3,000
Annual Fee: Rs.3,000* ( 2nd Year Onwards )
*First year fee waived for Citi Priority clients
Get 10,000 Miles on spending of Rs.1,000 within the first 60 days.
Earn 10 Miles on every Rs.100 spent on flight tickets and hotel stays on bookings made at www.premiermiles.co.in and with select partners
Redeem miles for flight tickets across 100+ airlines at www.premiermiles.co.in and with select partners
Enjoy complimentary access at key airport lounges across India
Get a complimentary Air Accident Insurance coverage up to Rs.1 crore
Up to 15% savings on dining across participating restaurants
For detailed T&Cs you can visit https://www.online.citibank.co.in/credit-card/terms#termsmitc
Citi PremierMiles Credit Card
Joining & Annual Fees

Joining Fee : Rs.500
Annual Fee: Rs.500
Enjoy 5% cashback on movie ticket purchases, telephone bill payment and all types of utility bill payments through Citibank Online Bill Pay service
Get 0.5% cashback on all your purchases
Avail up to 15% off on dining across 2000 partnered restaurant
Cashback of INR 500 is automatically credited to the statement
Savings and offers on shopping across 100 plus stores
Get EMI privileges on shopping, consumer electronics, mobile phone outlets, leading retail chains and e-retailers
For detailed T&Cs you can visit https://www.online.citibank.co.in/credit-card/terms#termsmitc
Citi Cash Back Credit Card
Joining & Annual Fees

Joining Fee: Rs.499 (one time)
Annual Fee: Rs.499 (Subsequent year annual fee will be waived on spending Rs. 90,000 or more in a year)
Add-on card fee: NIL
Get 500 Reward Points worth Rs. 500 on payment of joining fee.
Complimentary Apollo Silver Tier Membership.
3X Reward Points on every Rs. 100 spent on all Apollo services.
Get Upto 10% Instant Discount at Select Apollo Services.
2X Reward Points on every Rs. 100 spent on Dining, Movies & Entertainment.
Enjoy 3 Reward redemption options: Instant Redemption at POS, Convert Reward Point into Health Credits or Apollo Vouchers.
APOLLO SBI CARD
Joining & Annual Fees

Joining Fee: Rs.1499 (one time)
Annual Fee: Rs.1499 (Subsequent year annual fee will be waived on spending Rs. 3 lakhs or more in a year)
Add-on card fee: NIL
Welcome 2500 Etihad Guest Miles
Introductory offer*: Avail 8% off on Economy and 10% off on Business class with Etihad Airways
Complimentary Etihad Guest Silver tier status post first card transaction
3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
2 Etihad Guest Miles on every Rs. 100 spent on International spends
Upto 10% (3% on Economy Class and 10% on Business class) discount on direct Etihad Airways booking
5% discount on travel rewards miles redemption
5,000 Etihad Guest miles on annual spends of 5 lakhs
Complimentary overseas air accident coverage of Rs. 25 Lakh
Complimentary Fraud liability cover of Rs. 50K
Complimentary Lost baggage allowance of up to USD 1000
Complimentary membership to the Priority Pass Program worth $99 with 8 complimentary visits per year to domestic Visa/MasterCard Lounges in India(Max 2 visits per quarter)
1% Fuel Surcharge Waiver at petrol pumps across the country.
ETIHAD GUEST SBI CARD
Joining & Annual Fees

Joining Fee: Rs.4999 (one time)
Annual Fee: Rs.4999 (Subsequent year annual fee will be waived on spending Rs. 3 lakhs or more in a year)
Add-on card fee: NIL
Welcome 5000 Etihad Guest Miles
Introductory offer*: Avail 8% off on Economy and 10% off on Business class with Etihad Airways
Complimentary Etihad Guest Gold tier status post first card transaction
6 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
4 Etihad Guest Miles on every Rs. 100 spent on International spends
2 Etihad Guest Miles on every Rs. 100 spent on other spends except fuel
Upto 10% (3% on Economy Class and 10% on Business class) discount on direct Etihad Airways booking
Upto 10% discount on travel rewards miles redemption
1,500 Etihad Guest miles on achieving spends of Rs. 150000 in a calendar quarter
Complimentary overseas air accident coverage of Rs. 50 Lakh
Complimentary Fraud liability cover of Rs. 1 lakh
Complimentary Lost baggage allowance of up to USD 1000
Complimentary membership to the Priority Pass Program worth $99 with 4 complimentary Airport Lounge visits per year, outside India (max. 2 visits per quarter)
8 complimentary visits per year to domestic Visa Lounges in India(Max 2 visits per quarter)
1% Fuel Surcharge Waiver at petrol pumps across the country.
ETIHAD GUEST SBI PREMIER CARD
Joining & Annual Fees

Joining Fee: Nil**
** Joining fee of INR 500 waived off till 31st March 21
Renewal Fee: Rs.300
Upto 10% value back on AC1, AC2, AC3, AC CC bookings made at irctc.co.in
1 % transaction fee waiver on bookings made through IRCTC website
350* activation bonus reward points on Joining
1% fuel surcharge waiver
4 complimentary Premium Railway Lounge Access (Max 1 per quarter)
Redemption of reward points on IRCTC website for free tickets
SBI IRCTC Rupay Card
Joining & Annual Fees

Joining Fee - Rs.1250 + S.T
Annual Fee - Rs.1250 + S.T
2,500 Welcome Bonus JPMiles on joining.
1,250 renewal bonus JPMiles every year
Complimentary airport lounge access
Buy one get one free movie ticket through the week at www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Jet Airways ICICI Bank Coral Credit Card
Joining & Annual Fees

Joining Fee - Rs.499 + S.T
Annual Fee - Rs.499 + S.T from the second year onwards. The Annual Fee is waived off, if you spend more than Rs.1,25,000 in the previous year.
Discounts on Ferrari merchandise at the Online Ferrari Store
1 complimentary domestic Airport Lounge visit per quarter
2 complimentary movie tickets every month under the Buy 1, Get 1 offer from BookMyShow
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Waiver of 1% on fuel surcharge valid on a maximum spend of ` 4000 per transaction at all HPCL pumps
ICICI Bank Ferrari Platinum Credit Card
Joining & Annual Fees

Joining Fee - Rs.2500 + S.T
Annual Fee - Rs.2500 + S.T
5,000 welcome bonus JPMiles on joining
2,500 renewal bonus JPMiles every year
Complimentary airport lounge access
Earn upto 5 JPMiles for every `100 spent on the card
Buy one get one free movie ticket through the week at www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Jet Airways ICICI Bank Rubyx Credit Card
Joining & Annual Fees

Joining Fee - Rs.3000 + S.T (get a complimentary set of Sennheiser HD221 Headphones directly delivered to you within 30 days of payment)
Annual Fee - Rs.2000 + S.T* from 2nd year onwards. This fee is waived off if you spend more than Rs. 3,00,000 in the previous year
Complimentary set of Sennheiser HD221 Headphones upon joining
Complimentary round of golf every month at the golf course of your choice based on eligible spends on your card
2 complimentary movie tickets every month under the Buy One Get One offer through www.bookmyshow.com
2 complimentary domestic airport lounge visits per quarter courtesy of MasterCard and 10 domestic airport lounge visits per year courtesy of American Express
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
ICICI Bank Rubyx Mastercard Credit Card
Joining & Annual Fees

Joining Fee - Rs.500 + S.T
Annual Fee - Rs.500 + S.T* (waived off if spends cross Rs.1,25,000 in the previous year)
2X cash rewards on dining, groceries and at supermarkets.
Buy 1, get 1 movie ticket free at BookMyShow.
Get a complimentary tie from Provogue on joining .
ICICI Bank Coral Credit Card
Joining & Annual Fees

Joining Fee - Rs.5000 + S.T
Annual Fee - Rs.5000 + S.T
10,000 welcome bonus JPMiles on joining
5,000 renewal bonus JPMiles every year
Complimentary airport lounge acces
Earn upto 7 JPMiles for every `100 spent on the card
Complimentary golf rounds, movie tickets, discounts on dining and more!
Jet Airways ICICI Bank Sapphiro Credit Card
Joining & Annual Fees

No Joining Fee. No Annual Fee
Earn 2 PAYBACK points on every Rs.100 spent.
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Save on 1% fuel surcharge, waived off at HPCL petrol pumps
ICICI Bank Platinum Chip Credit Card
Joining & Annual Fees

Annual Fee - Rs. 4,999 + taxes
20,000 Reward Points, Complimentary Membership to Air India Frequent Flyer Program
Upto 15 Reward points on every Rs 100 spent on Air India tickets
1 Reward Point = 1 Air India Air Mile
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Air India SBI Signature Card
Joining & Annual Fees

Annual Membership Fee: Rs.5000
Welcome benefit of 20000 Reward points on Card activation within 30 days and payment of membership fee
2 Reward Points / Rs. 100 spent
10X Reward Points on weekend dining and international purchases
2 free movie tickets every month at BookMyShow, up to Rs. 200 per transaction
Up to 45,000 bonus Reward Points every year
2 complimentary lounge access per calendar quarter
Complimentary Priority Pass Membership, Golf rounds and much more
RBL Bank Icon Credit Card
Joining & Annual Fees

Annual Membership Fee: Rs.2000
Welcome benefit of 8000 Reward points on Card activation within 30 days and payment of membership fee
2 Reward Points / Rs. 100 spent
5X Rewards on dining, international purchases, utility bill payments, entertainment and fuel purchases
1 free movie ticket every month at BookMyShow, up to Rs. 200 every month
Up to 20,000 bonus Reward Points every year
2 complimentary lounge access per calendar quarter
RBL Bank Platinum Maxima Credit Card
Joining & Annual Fees

Annual Membership Fee: Rs.500
Welcome Gift : Amazon Gift Card worth Rs.500 (on payment of annual fee and activation of card within 30days)
2X Reward points on all online spends
1 Reward Point/Rs.100 else where
Unlock 10% cashback at BookMyShow on crossing spends of Rs. 10,000 for rest of the year
Unlock 10% cashback at Zomato on crossing spends of Rs. 30,000 for rest of the year
Unlock 10% cashback at Uber on crossing spends of Rs. 75,000 for rest of the year
Complimentary Zomato Gold membership (for 12 months), on crossing spends of Rs 1.5 lacs in a year
RBL Bank Cookies Credit Card
Joining & Annual Fees

Annual Membership Fee: Rs.500
Welcome benefit of 2000 Reward points on Card activation within 30 days and payment of Membership Fee
1 Reward Point / Rs. 100 spent
20X Reward Points / Rs. 100 spent on groceries up to 1000 points each month
10X Reward Points / Rs. 100 spent on fuel up to 1000 points each month
Fuel surcharge waiver up to Rs. 100 every month
10% discount on movies 15 times in a year, up to Rs. 100 per transaction
RBL Bank Shoprite Credit Card
Joining & Annual Fees

Monthly Fee: Rs.50
Spend Rs. 3000 in a month to unlock 10% cashback on all grocery purchases for rest of the month and waive off monthly fee of Rs. 50 in the next month
Spend Rs. 5000 in a month to unlock 10% cashback on BookMyShow, Swiggy & Utility bill payments for rest of the month
2 Reward Points / Rs. 100 spent on online purchases
1 Reward Point / Rs. 100 spent on offline purchases
Fuel surcharge waiver up to Rs. 100 every month
RBL Bank Monthly Treats Credit Card
Joining & Annual Fees

Annual Membership Fee: Rs.1000
Welcome benefit of 4 free movie tickets at BookyShow worth Rs. 1000 on Card activation within 30 days and payment of Membership Fee
Spend Rs. 5000 in a billing month and get 2 free movie tickets worth Rs. 250 each at BookMyShow
Spend Rs. 2500 in a week and get assured cashback of Rs. 25
Fuel surcharge waiver up to Rs. 100 every month
RBL Bank Popcorn Credit Card
Joining & Annual Fees

Annual Membership Fee: Rs.3000
Welcome benefit of MakeMyTrip vouchers worth Rs. 3000 on Card activation within 30 days and payment of Membership Fee
0% mark-up fee on all foreign currency transactions
2 Travel Points /Rs. 100 spent
5 Travel Points / Rs. 100 spent on travel
Up to 25,000 bonus Travel Points every year
Taj Gift Card worth Rs. 10,000 on spends of Rs. 7.5 lacs in a year
2 complimentary lounge access per calendar quarter
Complimentary Priority Pass Membership, Travel Insurance, Golf rounds and much more
Fuel surcharge waiver up to Rs. 250 every month
RBL Bank World Safari Credit Card
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.
Get Rs. 100/- cash back on first ATM withdrawal
1% Fuel Surcharge Waiver*
On all your other spends, earn 1 Reward Point per Rs 100 spent (4 Reward Points = Rs. 1)
Worldwide acceptance
Easy EMIs with Flexipay
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SBI SimplySAVE Card
Joining & Annual Fees

Annual Fee - Rs.499 (one time)
Renewal Fee - Rs.499 (one annum)
Welcome e-gift voucher worth Rs. 500* from Amazon
10X Reward Points on online spends with exclusive partners - Amazon / BookMyShow / Cleartrip / Lenskart / Netmeds
5X Reward Points on all other online spends
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
SimplyCLICK SBI Card
Joining & Annual Fees

Joining Fee - Rs.3999 + Service Tax and get a complimentary Scuderia Ferrari watch. This will be directly delivered to you within 30 days of payment of the Joining Fee.
Annual Fee - Rs.999 + Service Tax from the second year onwards. The Annual Fee is waived off, if you spend more than Rs. 2,50,000 in the previous year
Complimentary Access to domestic airport lounges in India
Buy One Get One` offer on www.bookmyshow.com
Minimum 15% savings on dining bill at over 2,500+ restaurants across India courtesy our Culinary Treats program
Waiver of 1% on fuel surcharge valid on a maximum spend of ` 4000 per transaction at all HPCL pumps
ICICI Bank Ferrari Signature Credit Card
Joining & Annual Fees

Annual Fee - Rs. 499 (one time)
Renewal Fee - Rs.499(per annum)
Welcome gift of Rs. 500/- Fbb gift voucher
10% annual discount on purchase of fashion apparels, accessories & footwear at Fbb and Big Bazaar outlets
10X Reward Points on your spends at Big Bazaar, Standalone Fbb and Food Bazaar outlets, and on all your Dining expenditures
1% fuel surcharge waiver* across all petrol pumps in India.
Corresponding T&C: *Max fuel surcharge waiver of Rs. 100/month for transactions between Rs. 500 and Rs. 3000 (exclusive of all applicable taxes)
Fbb SBI STYLEUP Contactless 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.
Examples: Citibank Cash Back Credit Card, Shopping Rewards Card.


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 such as Indian Oil Citibank Platinum Credit Card saves over 5% on your fuel bills.


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
Generic Airline Miles Cards: Complimentary Citibank PremierMiles 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.