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Joining Fee Rs. 4,999 + GST | Joining Fee Rs. 2,999 + GST | Joining Fee Rs. 1,499 (plus applicable taxes) | |
Rewards and Benefits |
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Welcome Benefits E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop. | Welcome Benefits Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons. | Welcome Benefits A Noise ColorFit Pulse Smart Watch worth Rs. 5,999, complimentary Fitpass Pro membership, and complimentary Netmeds First membership. | |
Rewards Rate 2 Reward Points on every Rs. 100 you spend on retail purchases, 5X Reward Points on dining spends, departmental stores, and grocery purchases (reward rate of 2.5%) | Rewards Rate 10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail. | Rewards Rate 10 Reward Points per Rs. 100 spent on Pharmacy, Chemist, movie & dining and 2 RPs per Rs. 100 spent elsewhere. | |
Movie & Dining Get free movie tickets every month (max benefit capped at Rs. 6,000 per year and Rs. 250 per ticket, offer valid for at least 2 tickets per booking per month), dining offers with up to 25% discount at partner restaurants (with American Express variant only) | Movie & Dining 5X Reward Points (10 Reward Points) on dining and movie spends Get up to 25% discount on dining bills at partner restaurants (only with AmEx variant) | Movie & Dining 10 Reward Points per Rs. 100 spent on movie and dining | |
Reward Redemption Reward Points are redeemable against gift vouchers on sbicard.com or SBI mobile app or for paying the outstanding balance of the card, 1 Reward Point = Rs. 0.25 | Reward Redemption Redeem reward points on Sbicard.com for gift vouchers or for settling the card's statement balance. 1 RP = Rs. 0.25 | Reward Redemption The Reward points are redeemable against a host of options on the Rewards catalogue or against the statement balance (1 RP = Re. 0.25). | |
Travel Complimentary CV (Club Vistara) Membership, complimentary Trident Privilege Red Tier membership, and free domestic and international airport lounge access. | Travel Complimentary Trident Privilege Red Tier Membership, Complimentary Club Vistara Silver membership, & complimentary international and domestic airport lounge visits. | Travel Get complimentary access to domestic lounges along with complimentary Priority Pass membership. | |
Golf 4 complimentary rounds of green fees and up to 50% off on golf games along with 1 free lesson per month at selected golf courses across the country (you get it only with the MasterCard variant of the card) | Golf Complimentary 4 rounds of green fee and 1 complimentary golf lesson every month and also up to 50% off on golf games (With MasterCard Variant only) | Golf NA | |
Domestic Lounge 2 complimentary visits to domestic airport lounges every quarter | Domestic Lounge 8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter) | Domestic Lounge 2 complimentary domestic lounge visits per quarter. | |
International Lounge 6 complimentary visits to international airport lounges per year (max 2 per quarter) with the Priority Pass program. | International Lounge 4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter) | International Lounge NA | |
Insurance Benefits Zero liability protection against lost card worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card to the bank. | Insurance Benefits Air accident cover (worth Rs. 50 lakhs), fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting about the loss of the card to the bank | Insurance Benefits Get an air accident cover of Rs. 50 lakhs, zero liability cover of Rs. 1 lakh, and other travel insurance covers, including lost baggage, delayed baggage, loss of travel documents, etc. | |
Zero Liability Protection Get an insurance cover worth Rs. 1 lakh that is applicable from 48 hours prior to 7 days post reporting the loss of card | Zero Liability Protection Fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting the loss of card to the bank | Zero Liability Protection The liability for a fraudulent transaction done on the lost or stolen card will not fall on the cardholder if he/she reports the same to the bank in a timely manner. | |
Fees & Charges |
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Renewal Fee Rs. 4,999 + GST | Renewal Fee Rs. 2,999 + GST | Renewal Fee Rs. 1,499 (plus applicable taxes) | |
Spend Based Waiver Renewal fee of Rs. 4,999 is waived on annual spends of Rs. 10 lakh or more in the preceding year | Spend Based Waiver Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year | Spend Based Waiver The renewal fee can be waived if you spend Rs. 2 lakhs or more in the previous year. | |
Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request | Rewards Redemption Fee Rs. 99 (plus applicable taxes) per redemption request | Rewards Redemption Fee Rs. 100 on each redemption request | |
Foreign Currency Markup 1.99% of the transaction amount | Foreign Currency Markup 3.5% of the transaction amount | Foreign Currency Markup 3.5% of the transaction amount | |
Interest Rates 3.50% per month (42% per annum) | Interest Rates 3.5% per month (42% per annum) | Interest Rates 3.50% per month (42% per annum) | |
Fuel Surcharge 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India (max waiver capped at Rs. 250 per month) | Fuel Surcharge 1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month). | Fuel Surcharge 1% fuel surcharge waiver for all fuel transactions between Rs. 500 and Rs. 4,000. | |
Cash Advance Charges 2.5% of the transaction amount, subject to a minimum charge of Rs 500 | Cash Advance Charges 2.5% of the amount withdrawn or Rs. 500 (whichever is higher) | Cash Advance Charges 2.5% of the cash amount subject to a minimum of Rs. 500 | |
Add-on Card Fee Nil | Add-on Card Fee Nil | Add-on Card Fee Nil |