Our Money Guide

Brief Summary

Our Rating
4.0 / 5

Our View :

You get upto 20% discount on domestic hotel and flight bookings, and upto 10% discount on international flight bookings.

The annual fee is ₹499. 1st year annual fee is compensated by welcome offers, while the annual fee from second year onwards is waived off , if you spend ₹1 lakh or more in the previous year. So this is a one of the best entry level travel cards available.

on SBI Card website

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Special Benefits

20% discount on domestic flights & hotels

Other Important Benefits

10% discount on international flights

Minimum Income

Not specified

Annual Fee

₹ 499

Annual Fee Offers

Welcome Offer worth ₹8,250

Renewal fee waiver at ₹1 lakh annual card spend

Pros and Cons of Etihad Guest SBI 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 Etihad Guest SBI Card

One Etihad companion voucher, at ₹10 lakh annual card spend

– At ₹10 lakhs yearly card spend, you get one free ticket (for your companion), when you buy one award ticket with your Etihad Miles
– At ₹5 lakh annual card spend, you get 5000 Etihad Miles

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

3% reward (in terms of Etihad Miles) on Etihad spends

You get 3 Etihad Miles, on every ₹100 you spend at Etihad.

2% reward (in terms of Etihad Miles) on international spends

You get 2 Etihad Miles, on every ₹100 you spend abroad.

1% reward (in terms of Etihad Miles) on all other card spends (except fuel)

You get get 1 Etihad Miles, on every ₹100 you spend on all other card transactions.

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).

Complimentary insurance benefits

You get a variety of free insurance covers-
– Complimentary overseas air accident coverage of ₹25 lakh
– Complimentary fraud liability cover of ₹50,000
– 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

3 lifetime-free add-on cards

Etihad Guest SBI Card Fees and Charges

Annual fee

Annual feeAnnual fee offers
1st year joining fee₹1499Welcome offer
– You get 2500 Etihad Miles, on joining
– You also get a complimentary Etihad Silver membership
Renewal fee from 2nd year onwards₹1499Renewal fee offer
– Annual fee is not charged from the 2nd year onwards, if you spend ₹3 lakh or more in the previous year

Late payment fee

Please refer to the below table for details

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

Applying & Tracking Application Status

Step-by-step guide

Online application process The 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
Apply Now

on SBI Card website

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