Best for
Terms structured from published copy
3 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 1 Dec 2025.
See where each figure came from →STATE BANK
Premium Etihad travel card with Gold tier status and dual lounge access - now discontinued
Welcome benefit: 5,000 Etihad Guest Miles credited within 15-30 days of annual fee payment. DISCONTINUED - co-branded benefits ended 1 December 2025.
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Flights
No published ceiling on this tier
Travel
No published ceiling on this tier
Everything else
No published ceiling on this tier
Not consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C All exclusions →
₹4,999 a year unless you spend ₹5,00,000That is about ₹41,667 a month, every month. Miss it and the renewal fee is charged in full.
Some spends never earnNot consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C Not consistently disclosed in available sources for this specific card See the exclusions section for the full list.
One strength and one catch, both taken from the card's own structured terms rather than written as marketing copy.
Key strength
6% on Flights — Up to 6 Etihad Guest Miles per Rs.100 spent on etihad.com bookings; no monthly cap disclosed by SBI Card, with no stated cap.
Biggest limitation
SBI Card discontinued new issuance of this card from 11 March 2025, and Etihad Guest co-branded benefits (including Miles earning) ended on 1 December 2025. Existing cardholders are being migrated to the SBI Miles Elite Credit Card, with the old card deactivated on activation of the new card or by 31 March 2026, whichever is earlier.
Each benefit with what it is worth, what unlocks it and where it stops — the three things a brochure leaves out.
6% on flights
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
4% on travel
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
1% on everything else
No stated ceiling
All eligible transactions in this category
No cap published — confirm in the issuer’s terms
Domestic airport lounge access
8 visits per quarter
No minimum spend condition disclosed; domestic visits capped at 2 per quarter; benefit applicable only until the card's phase-out per SBI Card's discontinuation notice
Read from published copy — confirm before relying on it
Each tier as the issuer publishes it — the rate, the ceiling it stops at, and the minimum transaction it needs.
6%
uncappedFlights
Up to 6 Etihad Guest Miles per Rs.100 spent on etihad.com bookings; no monthly cap disclosed by SBI Card
4%
uncappedTravel
4 Etihad Guest Miles per Rs.100 on other international spends
1%
uncappedEverything else
1 Etihad Guest Mile per Rs.100 on domestic offline retail spends outside Etihad/international categories
Priced by the same engine the card finder uses, with caps, minimum transactions and excluded categories all applied.
Your monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
These are different numbers, and CredSpy never mixes them. A welcome benefit lands once; a fee waiver has to be earned again.
Year one
₹5,000
of one-time welcome value, on top of what you earn
Every year after
₹5,00,000 a year
is what it takes to keep the ₹4,999 fee off — about ₹41,667 a month
The conditions that decide what this card is actually worth. None of this is buried in small print here.
Everything we hold from the issuer's schedule. A charge with no row is one we have not recorded, not one that does not exist.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹4,999 | — |
| Annual / renewal fee | ₹4,999 | Annual fee waived on spends of Rs. 5,00,000 or more in the preceding year |
| Add-on card | Not explicitly disclosed by SBI Card | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of the amount withdrawn or Rs. 500, whichever is higher |
| Late payment | Rs. 0 to Rs. 1,300, depending on the total amount due | — |
| Foreign currency markup | 1.99% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Each block says yes, no, or that we do not know — the three are different answers.
1% waiver. Applicable on transactions between Rs. 500 and Rs. 4,000
Not applicable - card operates on the Visa network, which cannot be linked to UPI in India
Welcome — once
₹5,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
5,000 Etihad Guest Miles credited within 15-30 days of annual fee payment. DISCONTINUED - co-branded benefits ended 1 December 2025.
Spend ₹8,00,000 a year — about ₹66,667 a month
1 Etihad Companion Voucher on annual spends of Rs. 8,00,000
Spend ₹5,00,000 a year — about ₹41,667 a month
Annual fee of Rs. 4,999 waived on spends of Rs. 5,00,000 or more in the preceding year
The criteria the issuer publishes. Meeting them is not approval — that decision is the bank's.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
Every catch on this card in one list, ordered by how much it matters.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
Compare any of these against this card on your own spending.
The same facts side by side. Which one wins depends on where your money actually goes.
| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Etihad Guest SBI Premier Card BK · this card | ₹4,999 | 6% flights | Included |
| Yatra SBI Card BK | ₹499 | See card | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| SBI SimplySAVE Credit Card | ₹499 | 10X points per ₹150 | No |
| SBI SimplyCLICK Credit Card | ₹499 | Up to 25% rewards | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹4,999 plus GST, waived on ₹5,00,000 of annual spend.
The strongest published rate is 6% on flights, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. Up to 8 complimentary visits per year, capped at 2 per quarter, via the Visa Domestic Lounge Programme
Not applicable - card operates on the Visa network, which cannot be linked to UPI in India
Not consistently disclosed in available sources for this specific card; typically excludes fuel, wallet loads, rent, EMI and cash advance transactions in line with standard SBI Card terms - verify on the official T&C Not consistently disclosed in available sources for this specific card
Etihad Guest Miles are credited directly to the cardholder's Etihad Guest account and redeemed via the Etihad Guest programme for flights, upgrades and partner rewards
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Etihad Guest SBI Premier Card BK — 6% on flights. ₹4,999 a year.
