By: OurMoneyGuide || Last updated on: April 27, 2024 

Etihad Guest SBI Card is a cobranded airline card from SBI, in partnership with Etihad, one of the premium airlines of the world. You earn airmiles of Etihad’s rewards program (called Etihad Guest) on all card spends, higher airmiles earning on certain card spends. 

You also get complimentary access to airport lounges, and complimentary Etihad Gold membership, which provides various travel benefits.

Pros & Cons of Etihad Guest SBI Premier Card

Pros

  • Good card for frequent fliers of Etihad Airlines
  • Travel benefits like complimentary lounge access both in India and abroad

Cons

  • You are restricted to fly Etihad only, to earn rewards
  • You need to consider other cards, to earn rewards on non-travel spends

Features & Benefits of the Etihad Guest SBI Premier Card

One Etihad companion voucher, at ₹8 lakh annual card spend

– At ₹8 lakhs yearly card spend, you get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹1.5 lakh quarterly card spend, you get 1500 Etihad Miles

You can redeem Etihad Miles to book flights, hotels, car rentals from travel partners or for purchasing products at etihadguest.com

6% reward (in terms of Etihad Miles) on Etihad spends || 4% reward on international spends || 2% reward on all other card spends (except fuel)

– You get 6 Etihad Miles, on every ₹100 you spend at Etihad
– You get 4 Etihad Miles, on every ₹100 you spend abroad
– You get 2 Etihad Miles, on every ₹100 you spend on all other card transactions (except fuel)

You can redeem Etihad Miles to book flights, hotels, car rentals from travel partners or for purchasing products at etihadguest.com

Complimentary airport lounge access outside India – 4 per year

You get free visits to international airport lounges, 4 times per year (but maximum 2 times per quarter).

This program is brought to you by Priority Pass, one of the leading programs in the world. This benefit includes free Priority Pass membership worth USD 99.

Complimentary airport lounge access in India – 2 per quarter

You get free visits to domestic airport lounges, 8 times per year (maximum 2 times per quarter).

This program is brought to you by Visa.

Complimentary Etihad Gold membership

You get a complimentary Etihad Gold membership. Benefits include-
– Worldwide lounge access
– Priority check-in and priority boarding
– Fast track immigration and baggage
– Chauffeur service
– Excess baggage allowance
– 50% bonus Etihad Miles

For more details, and full list of benefts please click here.

Complimentary Etihad Gold membership is given only in the 1st year. Continuation of gold membership depends on achieving the criteria set by Etihad which is primarily based on how often you fly on Etihad.

Complimentary insurance benefits

You get a variety of free insurance covers-
– Complimentary overseas air accident coverage of ₹50 lakh
– Complimentary fraud liability cover of ₹1 lakh. This cover protects in case of fraudulent use of your credit card.
– Complimentary lost baggage allowance of upto USD 1000

Fuel surcharge waiver upto ₹250 per month

You get 1% fuel surcharge waiver, on fuel transactions between ₹500 and ₹4000 only. And only on fuel spends upto ₹25,000 per month, since the maximum waiver is capped at ₹250 per month.

SBI Card customer care

Please click here for all the options to contact the bank for various issues and escalations, including-
– Lost and stolen cards : you can block on your mobile app or internet banking OR through SMS option OR by calling customer care
– Complaints and grievances : including steps on how to escalate to higher levels in case your issue is not resolved
– Raise and manage disputes

3 lifetime-free add-on cards

You can get add-on cards for your parents, spouse, children or siblings above the age of 18 years.

For more details, and important terms and conditions, please click here.

Etihad Guest SBI Premier Card Fees and Charges

Annual fee


Annual feeAnnual fee offers
1st year joining fee₹4999Welcome offer
– You get 5000 Etihad Miles, on joining
– You also get a complimentary Etihad Gold membership
Renewal fee from 2nd year onwards₹4999Renewal fee offer
– Annual fee is not charged from the 2nd year onwards, if you spend ₹5 lakh or more in the previous year

Late payment fee

Amount dueLate Fee
 Less than ₹500Nil
₹501 to ₹1,000₹400
₹1,001 to ₹10,000₹750
₹10,001 to ₹25,000₹950
₹25000 to ₹50000₹1100
Over ₹50000₹1300

Foreign currency transaction fee

3.50% of the transaction value.

Finance charges

3.50% per month (42% p.a.).

Important note

– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – SBI Credit Card Fees & Charges

Eligibility Criteria

Although your credit card eligibility is based on multiple parameters which can be assessed once you apply for the SBI Credit Card, there are certain basic criteria that all applicants must fulfil.

Minimum age21 years
Maximum age70 years
OccupationSalaried or self-employed
Minimum income requirementsNot specified. Should have a regular source of income
Other criteriaGood credit score, preferably above 750

Application Process

Online application processThe easiest way to apply is to click here – APPLY NOW , you shall be taken to the card application page on the SBI Card website. You can also visit the official website of SBI Card and fill out the application form.

Steps :
– Fill out the online application form – personal details like mobile phone number, emplyment, income, Aadhar / PAN number
– Click ‘Submit’ and you will receive an instant decision on the application basis the information provided
– If your application is approved, you will receive a call from SBI Card team for verification
– Post necessary verification, the card is issued to you

Virtual card : In addition to this, SBI Card team will send an SMS on your registered mobile number with a link to generate your e-card. With this e-card you can view your credit card details digitally, even before your physical card reaches you, and start shopping online instantly.
Offline (face to face)  application processYou can visit any of the nearest branches of SBI Card, and talk to an executive regarding the process.

Necessary documents and verification

Required documents   – PAN card

– Copy of Aadhaar card (with first 8 digits masked) or any valid government address proof

– Income documents – salary slip, income tax return etc. may be required depending upon the credit card eligibility & policy

In addition to these, you maybe asked to provide additional documents, on a case-to-case basis.

Tracking your application status

Tracking credit card application status– You can track the status of your application on – ‘Track Application’ section.

– Please click here – Home page (and see top section of the page section named – ‘Track your application’) OR
– Please click here – Eapply page (and see bottom of the page section named – ‘Track Credit Card Application’)
You need to enter some basic information (like application number/ reference number, name, mobile number), to see the status of your SBI Card application