By Rajat Gaur
Updated On May 7, 2022

SBI tied up with the UAE-based Etihad Airways airline and launched two travel credit cards in 2019: Etihad Guest SBI Credit Card and Etihad Guest SBI Premier Card. As is obvious from the name, the Premier version offers more benefits and also comes with a higher annual fee. Back then, the travel industry was one of the booming industries in the country. SBI probably launched this card considering that the travel-related spends accounted for 33% of the overall card spends in the SBI credit card portfolio at the time of launch of the card (certainly not the case now, due to the COVID pandemic). Also, Dubai is one of the favorite destinations among Indian travelers as there is a fairly large diaspora of NRIs in Dubai and many Indian HNIs (high net-worth individuals) frequently travel to Dubai on business trips. Etihad Guest SBI Premier card earns you Etihad Airways AirMiles (called Etihad Guest Miles) for every Rs. 100 spent using the card (number of AirMiles earned varies depending upon the category of spends). You also get many travel-related welcome benefits and milestone benefits with this credit card. Read on to know more.

Etihad Guest SBI Premier Card

Best Suited For

Travel |

Joining Fee

Rs. 4,999 (plus applicable taxes)

Reward Type

AirMiles |

Product Details

  • 5,000 Etihad Guest Miles, complimentary Etihad Guest Gold Tier Status after first card transaction and 2 Complimentary Wifi Vouchers on first Etihad Airways booking using the card as a Welcome Benefit.
  • 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com.
  • 4 Etihad Guest Miles/Rs. 100 on international spends.
  • 2 Etihad Guest Miles for every Rs. 100 spent on all other expenditures (except fuel purchases).
  • Up to 10% discount on direct Etihad Airways bookings.
  • Up to 10% discount on travel rewards and miles redemption.
  • 1,500 Etihad Guest Miles on spends of Rs. 1,50,000 in a calendar quarter.
  • 1 Etihad Companion Voucher on the annual expenditure of Rs. 8,00,000.
  • Annual fee waived if Rs. 5,00,000 were spent in the previous year.
  • International lounge access with Priority Pass and Domestic lounge access with Visa Lounge Program.
  • 1% fuel surcharge waiver.

Rewards and Benefits

Welcome Benefits

5,000 Etihad Guest Miles, complimentary Etihad Guest Gold tier status post first card transaction, 2 Free Wifi vouchers on first Etihad Airways booking.

Movie & Dining

N/A

Rewards Rate

6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, 4 Etihad Guest Miles for every Rs. 100 spent for international purchases, and 2 Etihad Guest Miles on all other spends (except fuel purchases). A max cap of 40,000 Miles per year is applicable

Reward Redemption

The 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

Complimentary Etihad Gold Tier status and 5,000 Etihad Guest Miles as a Welcome Benefit, complimentary domestic and international lounge access, up to 10% discount on direct Etihad Airways bookings, up to 10% discount on travel rewards and miles redemption, 1,500 Etihad Guest Miles on spends of Rs. 1,50,000 in a calendar quarter, 1 Etihad Companion Voucher on the annual expenditure of Rs. 8,00,000.

Golf

N/A

Domestic Lounge Access

8 domestic lounge access each year with a quarterly cap of 2 visits.

International Lounge Access

Complimentary Priority Pass membership worth USD 99 with 4 complimentary lounge access outside India (max 2 per quarter). Visits chargeable at USD 27/visit/guest post this complimentary quota.

Insurance Benefits

Overseas air accident cover worth Rs. 50 lakh, fraud liability cover worth Rs. 1 lakh, and an allowance of USD 1,000 in case of loss of baggage.

Zero Liability Protection

Fraud liability cover of Rs. 1 lakh applicable from 48 hours prior to reporting and 7 days post reporting the loss of card.

Fees & Charges

Joining Fee

Rs. 4,999 (plus applicable taxes)

Renewal Fee

Rs. 4,999 (plus applicable taxes)

Spend based Waiver

Next year’s annual membership fee waived on the expenditure of minimum Rs. 5,00,000 in a year.

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% (plus applicable taxes)

Interest Rates

3.5% per month (42% per annum)

Fuel Surcharge

The 1% fuel surcharge applicable 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 Premier Card Features And Benefits

Being issued in partnership with Etihad Airlines, this card comes with several exclusive privileges in the travel category, including bonus miles, complimentary air tickets, free access to airport lounges, and many more. Not only this, but the card has a few additional benefits as well. Following is the detailed information about all the features and benefits of the Etihad Guest SBI Card Premier:

Welcome Benefits:

  • Get 5,000 Etihad Guest Miles within 15 days of the annual fee payment.
  • Complimentary Etihad Guest Gold tier status post first transaction with the card.
  • 2 free wifi vouchers, which are sent to you via email within 15 days of the first Etihad Airways flight booking.

Etihad Guest SBI Premier Card Rewards:

  • 6 Etihad Guest Miles on every Rs. 100 spent on Etihad.com.
  • 4 Etihad Guest Miles on all international expenditures.
  • 2 Etihad Guest Miles on all other spends (except fuel purchases).
  • A maximum of 40,000 Miles can be accrued in a given year.
  • 10% discount on business class and 3% discount on economy class tickets on direct Etihad Airways bookings. The discount is applicable only on one-way and return journeys (not applicable on stopovers and multi-city trips) on flights originating from Mumbai, New Delhi, Chennai, Kolkata, Ahmedabad, Bangalore, Kozhikode, Kochi, Hyderabad, and Thiruvananthapuram.
  • Up to 10% discount on reward miles redemption.

Milestone Benefits:

  • 1,500 Etihad Guest Miles on the expenditure of Rs. 1,50,000 in a calendar quarter.
  • 1 Companion Voucher within 15 days of achieving annual spends of Rs. 8,00,000.
  • Membership renewal fee waived if Rs. 5,00,000 were spent in the previous year.

Etihad Guest SBI Premier Card Travel Benefits:

  • Complimentary Etihad Guest Gold tier status and 5,000 Etihad Miles as a welcome gift.
  • 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com.
  • 4 Etihad Guest Miles for every Rs. 100 spent on all international purchases.
  • 8 complimentary domestic lounge access annually (maximum 2 per quarter) under the Visa Lounge Program.
  • Priority Pass membership with 4 complimentary international lounge access every year outside India at over 1,000 international airports, USD 27 per guest per visit chargeable thereafter.
  • 10% discount on business class tickets and 3% discount on Economy class tickets booked directly on Etihad Airways portal.

Domestic Lounge Access:

You get 8 complimentary domestic lounge visits annually (max 2 per quarter) under the Visa Lounge Program.

International Lounge Access:

  • Complimentary Priority Pass membership worth USD 99.
  • 4 complimentary international lounge access every year (max 2 per quarter) at over 1,000 airports outside India under the Priority Pass Program.
  • An amount of USD 27 per guest per visit is charged after the complimentary visits have been exhausted.

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.

Insurance Benefits:

  • Insurance cover of Rs. 50 lakh on air accidents during international flights.
  • An allowance of USD 1,000 in case of loss of baggage during air travel.
  • Fraud liability cover of Rs. 1 lakh.

Etihad Guest SBI Premier Card Reward Points 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 Premier Card Fees & Charges

Before making a decision to apply for a credit card, it is always important to check all its terms and conditions, and fees & charges. Following are some important charges of the Etihad Guest SBI Card Premier:

  • The annual fee of the Etihad Guest SBI Premier Credit Card is Rs. 4,999, which can be waived off (second year onwards) if you have spent Rs. 5 lakhs or more in the previous anniversary year.
  • The interest rate on this credit card is 3.5% per month, i.e, 42% per annum.
  • The foreign currency transaction fee on the Etihad SBI Card Premier is 3.5% of the transaction amount. This fee is charged when you make a transaction in a different currency using your credit card.
  • The cash advance fee on this credit card is 2.5% of the withdrawn amount, subject to a  minimum of Rs. 500.

Etihad Guest SBI Premier Card Eligibility:

SBI has not explicitly stipulated any clear eligibility criteria for the Etihad Guest SBI Premier credit card. However, they do have a portal called Simplyfier to check which SBI credit card is best suited for you. Following is the basic eligibility criteria that you will have to fulfill in order to get approved for this credit card:

  • If you are a salaried employee, your age should lie between 18 years to 65 years.
  • If you are a self-employed individual, your age should be between 21 years and 60 years.
  • You should have a stable source of income.
  • You should have a good credit score.

Documentation

You will require the following documents in order to apply for the Etihad Guest SBI Premier Credit Card:

  • Identity Proof – Aadhar Card, PAN Card, Voters’ Id, Driving Licence, etc.
  • Address Proof – Utility bills, Aadhar Card, Passport, Driving Licence, etc.
  • Income proof – Latest bank statements, latest salary slips, or the latest copy of audited ITR.

How to apply for Etihad Guest SBI Premier Credit Card:

The easiest way to apply for the Etihad Guest SBI Premier Credit Card is to submit your application online. The following are the steps to be followed for online application:

  • Visit the SBI Card’s official website.
  • Click on the option ‘Credit Cards.’
  • Select the Etihad Guest Premier card from the list of available cards.
  • Fill in the required details and submit.

Alternatively, you can also dial SBI’s helpline at 39020202 (prefix STD code) or you can also visit your nearest SBI branch and submit your application to the bank officials offline.

How To Check Etihad Guest SBI Card Premier Application Status?

If you have already applied for the Etihad SBI Premier Card, you can check the status of your application as follows:

  • Go to the SBI Card’s official website and click on ‘Credit Cards.’
  • Now, scroll down and find the option ‘Track Application.’
  • Enter your application number and other required details and proceed.

You can also contact SBI Card customer care to know your credit card application status or you can visit your nearest SBI branch for the same.

Etihad Guest SBI Card Premier Activation & PIN Generation

In order to get your credit card activated or to generate/change its PIN, you can choose any of the methods mentioned below:

  • Visit your nearest SBI ATM and from the main menu, try to find the option ‘credit card PIN generation.’
  • You can also do the same by logging in to your internet banking account or via the SBI Card mobile app. Just log in and find the option of credit card Pin generation.
  • You can also contact SBI Card customer care and ask them to help you generate your credit card PIN.

Etihad Guest SBI Card Premier Limit

The SBI Card has not disclosed anything about the credit limit it provides to the Etihad SBI Card Premier customers and there is most probably no fixed limit that is assigned to every cardholder. The credit limit you get with this card depends on your credit history and past payment behavior. People having an excellent credit score generally get a higher credit limit as compared to the ones having an average score. However, you always have an option to request a higher credit limit in case your current limit isn’t sufficient. You can ask your card issuer to enhance your credit limit either by contacting customer care or by visiting your nearest SBI branch.

Etihad Guest SBI Card Premier Bill Payment

Making your credit card bill payment on time is really essential in order to maintain a good credit score. Following are the different methods to make your Etihad Guest SBI Card Premier Bill Payment:

  • Log in to your internet banking account or to the SBI Card mobile app and you will find an option to pay your credit card bill on the home page itself.
  • Another easy way to pay your Etihad Guest SBI Premier Card bill is to do it via the SBI Yono app. Just register yourself on the app and link your credit card. After that, you can make the bill payment under the ‘Pay’ option.
  • If you have a savings account in a bank other than the SBI, you can make the payment via NEFT.
  • The card issuer also gives you an option to pay your credit card bill via an ATM. Visit your nearest ATM and find an option to make credit card bill payments from the main menu.
  • If you are not comfortable with online methods, you can pay by visiting the branch in the form of cash or cheque.

Etihad Guest SBI Card Premier Login/Internet Banking

If you want to register your Etihad Guest SBI Premier Credit Card, you will have to follow a few simple steps as mentioned below:

  • Visit the official website of SBI Card.
  • Click on ‘New User? Register Now’ option under the Login button.
  • Enter your card details as required.
  • You will receive an OTP on your registered mobile number, enter that to complete verification.
  • Submit and proceed further.

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 to 5676791.

Cards Similar To The Etihad Guest SBI Card Premier

Benefits Etihad Guest SBI Card Premier Etihad Guest SBI Card IRCTC SBI Card Premier
Annual Fee Rs. 4,999 Rs. 1,499 Rs. 1,499
Rewards 6 EG (Etihad Guest) miles on every Rs. 100 spent on Etihad airways.
4 EG miles on every Rs. 100 spent internationally.2 EG miles on every Rs. 100 spent elsewhere.
3 EG (Etihad Guest) miles on every Rs. 100 spent on Etihad airways.
2 EG miles on every Rs. 100 spent internationally.1 EG mile on every Rs. 100 spent elsewhere.
1 Reward Point on every s[end of Rs. 125. 3x RPs on dining and standing instructions.
Reward Redemption The earned miles can be redeemed for flight/hotel bookings or purchasing products from https://www.etihadguest.com/. The earned miles can be redeemed for flight/hotel bookings or purchasing products from https://www.etihadguest.com/. 1 RP = Re. 1 for redemption against products, vouchers, and cashback.
Additional Benefits Complimentary Etihad Guest Gold Tier status. Complimentary domestic & international airport lounge access.
Up to 10% discount on flight bookings.
Complimentary Etihad Guest Silver tier status.
Complimentary domestic lounge access and Priority Pass membership.
Up to 10% discount on flight bookings.
Complimentary Railway lounge access.
Up to 5,000 bonus Reward Points on achieving the spend milestone.

Conclusion:

Etihad Guest SBI Premier Card is one of the premium offerings by SBI in the travel category. As it comes with benefits like 10% discount on business class tickets and (limited) complimentary international lounge access, it might be the card of choice for high-net-worth frequent fliers. The card also offers decent rewards as Etihad Miles, particularly on travel-related expenses (6 Miles/Rs. 100 on Etihad.com and 4 Miles/Rs. 100 on all international spends). The annual fee for this card is Rs. 4,999. Still, it’s an option worth considering if you travel frequently to middle east destinations like Dubai.

FAQs:

The Etihad Guest Miles are valid for a period of 18 months for Gold members (the type of membership that you get with this credit card as a welcome gift).

There is no limit to the number of Etihad Guest Miles that can be redeemed on etihadguest.com or on their travel partner websites.

You need to submit an identity proof, an address proof (like Aadhar card, Voter card, etc.) and a proof of income (like salary slips/income tax return).

You get a fraud liability cover worth Rs. 1 lakh applicable from the period of 48 hours prior to reporting the loss till 7 days post reporting the loss of the card.

Yes, you can get an add-on credit card with the Etihad Guest SBI Premier Card for your spouse and children (above the age of 18) with this card at no extra cost. The credit limit will be shared among the primary and the add-on cardholders.

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