By Rajat Gaur
Updated On September 10, 2021

SBI Cards launched Etihad Guest SBI Card in collaboration with the UAE-based Etihad Airways airline in 2019. It is the toned-down version of the more premium Etihad Guest SBI Premier Card (also launched at the same event) which offers better benefits and comes with a substantially higher annual membership fee of Rs. 4,999 (compared to just Rs. 1,499 for this one). We have already covered the Premier variant in one of our earlier posts. These cards were launched when the travel industry was at an all time high and travel-related expenses accounted for a substantial portion of the total credit card spends. The card earns you AirMiles at quite a high reward rate on Etihad Airways bookings; you get a decent reward rate on other spends as well. Apart from these AirMiles benefits, you also get many other travel-related benefits with this card. Read on to know more about this cobranded offering by SBI cards and Etihad Airways.

Etihad Guest SBI Card

Best Suited For

Travel |

Joining Fee

Rs. 1,499 (plus applicable taxes)

Reward Type

AirMiles |

Product Details

  • 2,500 Etihad Guest Miles as a welcome gift.
  • Complimentary Etihad Guest Silver tier status.
  • 1 free wifi voucher on first Etihad Airways booking.
  • 3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com.
  • 2 Etihad Guest Miles per Rs. 100 on international spends.
  • 1 Etihad Guest Mile per Rs. 100 on all other spends (with a few exceptions).
  • 10% discount on business class ticket bookings directly from Etihad Airways.
  • 3% discount on economy class ticket bookings directly from Etihad Airways.
  • 1 companion voucher on achieving the milestone spends of Rs. 10,00,000.
  • 5,000 Etihad Guest Miles on annual spends of Rs. 5 lakh.
  • Annual membership fee reversal (2nd year onwards) on spends of a minimum of Rs. 3 lakh in the preceding year.
  • 8 complimentary domestic lounge visits every year (max 2/quarter).
  • Complimentary Priority Pass membership worth USD 99.
  • Personal overseas air accident cover worth Rs. 25 lakh.
  • Complimentary fraud liability insurance cover worth Rs. 50,000.
  • Complimentary insurance against loss of baggage worth USD 1,000.
  • 1% fuel surcharge waiver across all fuel stations in India for transactions between Rs. 500 and Rs. 4,000. Maximum waiver capped at Rs. 250 per month.

Rewards and Benefits

Welcome Benefits

2,500 Etihad Guest Miles, Etihad Guest Silver tier status, 1 complimentary wifi voucher on first Etihad Airways booking

Movie & Dining

N/A

Rewards Rate

3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com, 2 Etihad Guest Miles on every Rs. 100 spent on International spends, 1 Etihad Guest Mile on every Rs. 100 spent on other spends

Reward Redemption

Etihad Guest Miles earned redeemable for booking flights, hotels and renting cars from participating travel partners, and for purchasing products from etihadguest.com or its travel partner services. Etihad Miles can also be used to pay for purchases made using the credit card.

Travel

Etihad Guest Silver tier status, 2,500 Etihad Guest Miles, free wifi voucher on first Etihad Airways booking, 10% discount on business class and 3% discount on economy class tickets on direct Etihad Airways bookings, up to 5% discount on reward miles redemption, complimentary domestic lounge access, complimentary Priority Pass membership

Golf

N/A

Domestic Lounge Access

8 complimentary domestic lounge visits per year (max 2/quarter)

International Lounge Access

Complimentary Priority Pass membership worth USD 99

Insurance Benefits

Overseas air accident cover worth Rs. 25 lakh, fraud liability cover worth Rs. 50,000, lost baggage cover of up to USD 1,000

Zero Liability Protection

Fraud liability cover of Rs. 50,000 applicable from 48 hours prior to reporting and 7 days post reporting the loss of card.

Fees & Charges

Joining Fee

Rs. 1,499 (plus applicable taxes)

Renewal Fee

Rs. 1,499 (plus applicable taxes)

Spend based Waiver

Annual membership fee waived off (2nd year onwards) on minimum spends of Rs. 3 lakh in the preceding year

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.5% per month (or 42% annually)

Fuel Surcharge

1% fuel surcharge waived at all fuel stations across India for purchases between Rs. 500 and Rs. 4,000 (max benefit capped at Rs. 250 per payment cycle)

Cash Advance Charge

2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500)

Add-on Card Fee

Nil

Etihad Guest SBI Card Welcome Benefits:

  • Complimentary Etihad Silver tier status.
  • Complimentary 2,500 Etihad Guest Miles on card set up (to be credited within 15 days of the card’s annual fee payment).
  • 1 complimentary wifi voucher emailed within 15 days of the first ticket booking on Etihad Airways.

Milestone Benefits:

  • 1 companion voucher on achieving the milestone of spends of Rs. 10,00,000.
  • 5,000 Etihad Guest miles on annual spends of Rs. 5 lakh.

Spends Based Fee Reversal:

Annual membership fee is reversed (2nd year onwards) on the minimum annual expenditure of Rs. 3 lakh with the Etihad Guest SBI Card.

Etihad Guest SBI Card Rewards:

  • 3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com.
  • 2 Etihad Guest Miles per Rs. 100 on International spends.
  • 1 Etihad Guest Mile per Rs. 100 on all other spends (except fuel purchases).

Reward Redemption:

  • Reward Points earned as Etihad Guest Miles.
  • These miles are redeemable on etihadguest.com for flight tickets, hotel reservations and car rentals from the participating travel partners and also for purchasing the products available on the Etihad Guest portal.
  • There is no limit to the number of Miles that can be redeemed on etihadguest.com or their travel partners.

Etihad Guest SBI Card Travel Benefits:

  • Welcome gift of 2,500 Etihad Guest Miles.
  • Complimentary Etihad Silver tier status.
  • 1 free wifi voucher on first Etihad Airways booking.
  • 3 Etihad Guest Miles on every Rs. 100 spent on Etihad.com
  • 2 Etihad Guest Miles on every Rs. 100 spent on International spends
  • Complimentary domestic lounge access under the Visa Lounge Program.
  • Complimentary Priority Pass membership.

Airport Lounge Benefit:

  • 8 complimentary domestic lounge access annually (maximum 2 per quarter) under the Visa Lounge Program.
  • Complimentary Priority Pass membership worth USD 99.

Insurance Benefits:

  • Complimentary overseas personal air accident insurance worth Rs. 25 lakh.
  • Complimentary lost baggage insurance cover worth USD 1,000.
  • Complimentary fraud liability cover worth Rs. 50,000 applicable from 48 hours prior and 7 days post reporting the loss of card.

Fuel Surcharge Waiver:

The 1% surcharge applicable on fuel purchases is waived at all fuel stations across India for fuel purchases between Rs. 500 and Rs. 4,000, subject to a maximum cap of Rs. 250 per statement cycle.

Etihad Guest SBI Credit Card Eligibility:

SBI has not explicitly stipulated any clear eligibility criteria for the Etihad Guest SBI card. However, they do have a portal called Simplyfier to check which SBI credit card is best suited for you.

How to apply:

The easiest way to apply for the Etihad Guest SBI Card is to submit your application online. All you have to do is visit the SBI’s official website, select the Etihad Guest Premier card from the list of available cards and upload the required documents for KYC. Alternatively, you can also dial SBI’s helpline at 39020202 (prefix STD code) or you can visit your nearest SBI branch and submit your application to the bank officials offline.

Customer Care:

SBI offers 24×7 customer care support to its credit cardholders. To report the loss of card or in case you need any assistance, you may dial their toll-free helpline number 1860 180 1290 or 1800 180 1290. Alternatively, you can also dial 39020202 (prefix STD code). You can also block your SBI credit card simply by just sending an SMS – BLOCK <last 4 digits of your card number> to 5676791.

Conclusion:

Given the high reward rate (particularly on Etihad Airways bookings) and other travel-related benefits like Priority Pass membership and air accident cover, Etihad Guest SBI Credit Card seems to be a very attractive option for frequent flyers who travel regularly to middle-east destinations like Dubai (you get accelerated AirMiles benefit on Etihad Airways bookings regardless of the destination). However, before you make up your mind, do check out our review of the Premier edition of this credit card. What do you think of this offering by SBI Cards and Etihad Airways? And how, in your opinion, does it stack up against the Premier version of the card? Do let us know in the comments. If you’re an existing cardholder, don’t forget to share your experience.

FAQs:

Etihad Guest Miles are valid for a period of 18 months for Silver tier members (you get Silver tier membership with this card).

The Etihad Guest Miles are redeemable for booking flights, hotels and renting cars from participating travel partners, and for purchasing products from etihadguest.com or its travel partner services. Etihad Miles can also be used to pay for purchases made using the credit card.

There is no limit to the number of Etihad Guest Miles that can be redeemed in a given month.

Yes, you can get an add-on credit card for your spouse or children (above the age of 18) at no extra cost with your Etihad Guest SBI Card. The credit limit shall be shared amongst the primary and all the add-on cards.

You will earn Etihad Guest Miles on booking air tickets from third-party merchants, but at the regular rate of 1 Etihad Guest Mile per Rs. 100 spent. To earn the Etihad Guest Miles at the accelerated rate of 3 Etihad Guest Miles per Rs. 100, you must book the tickets directly on Etihad.com.

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