Card Benefits
Key benefits available with this card.
10X Rewards on Everyday Essentials
Earn 10 Reward Points per ₹150 spent (~1.67% value-back) on dining, movies, groceries, and departmental store purchases.
1X Base Rewards
Earn 1 Reward Point per ₹150 spent (~0.25% value-back) on all other eligible retail and online categories.
2,000 Points Welcome Benefit
Get 2,000 bonus Reward Points (worth ₹500) on spending ₹2,000 within 60 days of card setup, offsetting the joining fee.
Annual Fee Spend Reversal
The ₹499 annual renewal fee is reversed upon reaching ₹1,00,000 in eligible card purchases during the previous year.
1% Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across all petrol pumps in India (capped at ₹100 per statement cycle).
Easy Approval & NTC Friendly
Accessible eligibility criteria with approvals starting at 650+ CIBIL and open to New-to-Credit salaried applicants.
Welcome / Free Offer
2,000 bonus Reward Points (worth ₹500) on spending ₹2,000 within the first 60 days of card issuance.
Value up to ₹500
Eligibility: Spend ₹2,000 or more within 60 days of card issuance.
Rewards & Points
How rewards are earned on this card.
| Category | Reward | Details |
|---|---|---|
| Dining, Movies, Groceries & Departmental | 6.6667 points / ₹100 | Earn 10 Reward Points per ₹150 spent on dining, movies, grocery, and departmental store purchases. Capped at 5,000 points per monthly statement cycle (Effective return: ~1.67%). |
| All Other Retail Spends | 0.6667 points / ₹100 | Earn 1 Reward Point per ₹150 spent on all other eligible purchases and categories exceeding the accelerated monthly cap (Effective return: ~0.25%). |
| Excluded Categories | 0.0000 points / ₹100 | Spends on fuel, wallet reloads, cash advances, balance transfers, flexipay/EMI conversions, and card fees do not earn Reward Points. |
Reward Redemptions
| Redemption Method | Point Value | Details |
|---|---|---|
| Gift Vouchers & Catalogue | ₹0.25 | 4 Reward Points = ₹1 (1 RP = ₹0.25) when redeemed against brand gift vouchers or product catalogue items on the SBI Card Rewards Portal. |
| Statement Credit / Cashback | ₹0.25 | 4 Reward Points = ₹1 (1 RP = ₹0.25) when requested as cash credit against your outstanding credit card statement balance. |
Airport Lounge Access
Fuel Surcharge Waiver
Current Offers & Promotions
2,000 Reward Points Welcome Offer
Active2,000 Reward Points
Maximum benefit: 500.00
Earn 2,000 bonus Reward Points (worth ₹500) upon spending ₹2,000 within 60 days of card issuance.
Annual Spend Fee Reversal
Active₹499 Waived
Maximum benefit: 499.00
Annual renewal fee of ₹499 is reversed upon spending ₹1,00,000 or more in the preceding anniversary year.
1% Fuel Surcharge Waiver
Active1% Surcharge Refund
Maximum benefit: 100.00
1% fuel surcharge waiver on transactions between ₹500 and ₹3,000 across all petrol pumps in India (capped at ₹100 per statement cycle).
Eligibility Criteria
21 to 65 yrs
Salaried and Self-employed
₹30,000 / month
₹360,000 / year ITR
650+
New-to-Credit: Allowed only for Salaried
Additional Eligibility Details
Important Eligibility Information
Age: 21 to 65 years. Employment: Salaried and Self-employed. Minimum Monthly Income: ₹30,000. Credit Score: 650+ with no delayed payments in the past 12 months. New-to-credit is allowed only for salaried applicants.
Income: Salaried: ₹30,000 per month. Self-employed: Annual income / ITR > ₹3,60,000.
Employment: Salaried and Self-employed Indian residents.
Credit Score: Minimum credit score of 650+ with a spotless repayment record in the last 12 months.
Documents Needed
Fees & Charges
₹499
₹499 + GST
Pros
• 10X Reward Points (~1.67% return) on everyday offline essentials: groceries, dining, movies, and departmental stores
• ₹500 welcome benefit (2,000 bonus points) covers the ₹499 joining fee
• Low annual fee waiver threshold of just ₹1 Lakh annual spend
• Flexible credit criteria (650+ CIBIL) with NTC approval possible for salaried individuals
• 1% fuel surcharge waiver across all petrol pumps in India
Cons
• Low base reward earning rate of ~0.25% (1 RP per ₹150) on non-category spends
• 10X accelerated rewards are capped at 5,000 points per month
• No complimentary airport lounge access
• Standard 3.5% foreign currency markup fee