SBI International Transaction Offers Credit Cards in India 2026

2.50% cashback on departmental store, grocery, and dining spends

• 10 reward points worth ₹2.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback.
• Monthly limit - 10,000 reward points, reached at ₹1 lakh monthly spending

0.50% cashback on all other card spends

• 2 reward points worth ₹0.50, on every ₹100 you spent
• 1 reward point = ₹0.25 (25 paise), and can be redeemed for cashback
• Important exclusions: No reward points are given on fuel, utilities, rent, wallets, education, jewelry, gaming platforms, government spends

Up to 1.50% additional cashback based on annual card spending (milestone privileges program)

• You earn 10,000 points worth ₹2500, at ₹3 lakh yearly card spend (0.8% reward)
• You earn additional 10,000 points worth ₹2500, at ₹4 lakh yearly card spend (1.25% reward)
• You earn additional 15,000 points worth ₹3750, at ₹5 lakh yearly card spend (1.75% reward)
• You earn additional 15,000 points worth ₹3750, at ₹8 lakh yearly spend (1.5% reward)
• Hence you can earn a total of 50,000 points worth ₹12,500, at ₹8 lakh yearly card spend – 1.50% benefit.

Reward points redemption: 1 reward point = ₹0.25, and can be redeemed for cashback

Complimentary domestic airport lounge access – 8 times per year (maximum 2 times per quarter)

Complimentary international airport lounge access – 6 times per year (maximum 2 visits per quarter)

• The program is brought to you by Priority Pass, one of the leading airport lounge programs in the world
• You get complimentary Priority Pass membership worth US$ 99
• You also get 6 free airport lounge visits per year (maximum 2 visits per quarter)

2 free movie tickets (up to ₹250 each) every month through Bookmyshow

• To avail this offer, you need to book at least 2 movie tickets.
• For example, if you book 2 tickets costing ₹250 each, you will get a ₹500 discount and pay only the convenience fee.
• Hence, you can get free movie tickets worth ₹6,000 every year (₹500 per month).

Low fee of 1.99% on international spends 

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4000

Fraud liability cover: You get a complimentary credit card fraud liability cover of ₹1 lakh.

3% reward (in term of airmiles/ hotel points) on travel spending

• 3 travel credits worth 3 airmiles/ hotel points, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings. 1 travel credit = ₹0.50 in this case.
• You can also redeem travel credits to buy products from Shop & Smile Product Catalogue. 1 travel credit = ₹0.25 in this case.

1% reward (in term of airmiles/ hotel points) on all other card spends

• 1 travel credits worth 1 airmile/ hotel point, on every ₹100 spent on travel. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained in the previous point above.

Up to 1.6% additional reward (in term of airmiles/ hotel points), at ₹12 lakh annual card spend (milestone benefits)

• Earn 20,000 travel credits worth 20,000 airmiles/hotel points, at ₹12 lakh annual card spend. 1 travel credit = 1 airmile/ hotel point.
• You can also redeem travel credits for travel bookings, and to buy products from Shop & Smile Product Catalogue, as explained earlier.

Complimentary visits to international airport lounges - 6 times per year (maximum 2 times per quarter)

• This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

• Besides the above, you can get 1 additional lounge access, for every 1 lakh you spend on your card

Complimentary insurance benefits

• Up to 6 flight cancellations per year, each limited to ₹3,500
• Lost card liability up to ₹1 lakh
• Loss of check-in baggage up to ₹72,000
• Delay of check-in baggage ₹7,500
• Loss of travel documents up to ₹12,500
• Baggage damage cover up to ₹5,000

Lower foreign currency fee of 1.99% on international card transactions

1% fuel surcharge waiver, up to ₹500 per month

5% reward (in KrisFlyer miles) on Singapore Airline spends: Earn 5 KrisFlyer miles on every ₹100 spent at Singapore Airlines

4% reward (in KrisFlyer miles) on international spends: Earn 4 KrisFlyer miles on every ₹100 spent abroad

3% reward (in KrisFlyer miles) on other card spends: Earn 3 KrisFlyer miles on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 2% additional reward (in terms of KrisFlyer miles), based on certain annual card spends (milestone benefits)

• Earn 10,000 KrisFlyer miles, at ₹5 lakh annual card spend - 2% reward (in terms of KrisFlyer miles)
• Earn an additional 3000 KrisFlyer miles (total 13,000 miles), at ₹10 lakh annual card spend - 1.3% reward (in terms of KrisFlyer miles

Tier upgrade to KrisFlyer Elite Gold membership, on spends of ₹7.50 lakhs on Singapore Airlines

Complimentary visits to international airport lounges - 8 times per year (maximum 2 times per quarter). This program is brought to you through Priority Pass and is complimentary for the first two years only.

Complimentary visits to domestic airport lounges - 8 times per year (maximum 2 times per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹10 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

2.50% reward (in terms of KrisFlyer miles) on Singapore Airline spends: Earn 2.50 KrisFlyer miles on every ₹100 spent at Singapore Airlines

2.50% reward (in terms of KrisFlyer miles) on international spends: Earn 2.50 KrisFlyer miles on every ₹100 spent abroad

1% reward (in terms of KrisFlyer miles) on all other card spends: Earn 1 KrisFlyer mile on every ₹100 spent on all other card purchases

Important exceptions: KrisFlyer miles are not given on the following card spends - property rental, fuel and wallet upload

Up to 1% additional reward (in terms of KrisFlyer miles), at ₹3 lakh annual card spend (milestone benefits): Earn 3,000 KrisFlyer miles, at ₹3 lakh annual card spend - 1% reward (in terms of KrisFlyer miles)

Tier upgrade to KrisFlyer Elite Silver membership, on spends of ₹2.50 lakhs on Singapore Airlines

Complimentary visits to domestic airport lounges - 4 times per year (maximum 1 time per quarter)

Complimentary insurance benefits

• Loss/ delay of check-in baggage up to ₹1 lakh
• Fraud loss cover of ₹1 lakh

1% fuel surcharge waiver up to ₹250 per month, valid only on fuel transactions between ₹500 and ₹4000

Airport lounge access: Unlimited international airport lounge access, 4 domestic airport lounge visits per quarter

4 free movie tickets per month (up to ₹250 each) through BookMyShow

• Maximum 2 free tickets in one booking

16 complimentary golf rounds per calendar year (maximum 4 per quarter)

12 complimentary golf lessons per calendar year

Up to 3.50%+ rewards on card spending (including milestone benefits linked to card spending)

• 1% base reward
• Up to 2.50% additional milestone rewards which are linked to a number of monthly and annual card spending requirements

Lower forex fee of 1.99% on international card transactions

1% fuel surcharge waiver up to ₹250 per month, and valid only on fuel transactions between ₹500 and ₹4,000