Annual fee
Annual fee
₹499 + GSTJoining and renewal fee
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Fees and charges, A. Annual fees and renewal fees
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Renewal fee waived on annual spends of ₹1 lakh or more in the preceding year
Rewards
10X Reward Points
SBI Card Reward Points
Lounges
None
No airport lounge access
Best for
Online shopping on a low annual fee
Tap or click any underlined figure to see its source, check date and history.
Earning
Reward Points for online spending. Bonus points are capped every month.
| Spend | Rate | Cap |
|---|---|---|
| Exclusive partner brands (listed by SBI Card) | Exclusive partner brands (listed by SBI Card) earn rate 10X Reward Points SourceSimplyCLICK SBI Card reward points termsPDF (opens in a new tab) Checked7 Oct 2026 HistoryNo changes since we started tracking this figure. | No cap |
| Other online spends | Other online spends earn rate 5X Reward Points SourceSimplyCLICK SBI Card reward points termsPDF (opens in a new tab) Checked7 Oct 2026 HistoryNo changes since we started tracking this figure. | Other online spends monthly cap 10,000 points a monthBeyond the cap, 1 Reward Point per ₹100 SourceSimplyCLICK SBI Card reward points termsPDF (opens in a new tab) Checked7 Oct 2026 HistoryNo changes since we started tracking this figure. |
Earns nothing on: Spends that earn nothing Rent, e-wallet loads, offline fuel, cash advances, balance transfers, government transactions and digital gaming SourceSimplyCLICK SBI Card reward points termsPDF (opens in a new tab) Checked7 Oct 2026 HistoryNo changes since we started tracking this figure.
Fees and charges
Joining feeNot available
Annual fee
Annual fee
₹499 + GSTJoining and renewal fee
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Fees and charges, A. Annual fees and renewal fees
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Joining and renewal fee
Welcome benefitNot available
Foreign currency markup
Foreign currency markup
3.5%
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Other charges and fees, foreign currency transaction fee
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Interest
Interest
3.75% a month
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
, Extended credit, finance charges
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Late payment fee
Late payment fee
Nil up to ₹500 due, then ₹400, ₹750, ₹950, ₹1,100 and ₹1,300 as the amount due rises above ₹50,000
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Cash withdrawal fee
Cash withdrawal fee
2.5% of the amount, minimum ₹500
SourceSBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab)
Checked17 Sep 2026
HistoryNo changes since we started tracking this figure.
Fuel surcharge waiverNot available
Fee on rent paymentsNot available
Fee on utility paymentsNot available
Fee on wallet loadsNot available
Fee on education payments via appsNot available
Every credit card side by side: annual fees, waivers and markup
Eligibility
As published by the bank. Banks may ask for more.
Income neededNot available
AgeNot available
Other conditionsNot available
History
Every change recorded for this page since we started tracking it.
- 1 Dec 2024CutDigital gaming transactions stop earning Reward PointsSimplyCLICK SBI Card reward points termsPDF (opens in a new tab)
- 1 Jun 2024CutGovernment transactions stop earning Reward PointsSimplyCLICK SBI Card reward points termsPDF (opens in a new tab)
- 1 Apr 2024CutRent payments stop earning Reward PointsSimplyCLICK SBI Card reward points termsPDF (opens in a new tab)
Sources
The documents behind every figure on this page.
- SBI Card Key Fact Statement (MTL20042026)PDF (opens in a new tab) Checked 17 Sep 2026
- SimplyCLICK SBI Card reward points termsPDF (opens in a new tab) Checked 7 Oct 2026
Spotted something out of date?Tell us which figure changed and where you saw it.
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