Welcome Benefits :- 2,000 Bonus RPs that are worth Rs. 500 on the expenditure of Rs. 2,000 in the first 60 days of card activation.

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Rewards & Benefits :- 

Movie & Dining

10X Reward Points on movie and dining spends

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Rewards Rate

1 Reward Point for Rs. 150 spent (reward rate = 0.25%), 10X RPs for spends made in movies, grocery, dining, & departmental stores (reward rate = 2.5%)

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Reward Redemption

Redeem points earned for gift vouchers on sbicard.com or SBI mobile app. Also, for paying the card’s outstanding balance. (1 Reward Point = Rs. 0.25)

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Travel 

N/A

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Domestic Lounge Access

N/A

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International Lounge Access

N/A

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Fees & Charges :- 

Spend-Based Waiver

Renewal fee can be waived by spending Rs. 1 lakh in a card anniversary year

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Rewards Redemption Fee

Rs. 99 for every redemption request that you place.

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Foreign Currency Markup

3.5% + GST

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Interest Rates

3.6% per month (45% annually)

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Fuel Surcharge

1% fuel surcharge waiver on transcations done at HPCL fuel stations.

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Cash Advance Charges

Higher of Rs. 300 or 2.5% of the amount withdrawn.

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Product Details :- 

• On spending Rs. 2,000 within the 60 days of card activation get 2,000 bonus RPs that are worth Rs. 500.

• 1 Reward Point for every spend of Rs. 150.

• 10X Reward Points (10 Points per Rs. 150) on spends on movies, dining, grocery categories, and departmental stores.

• Annual renewal fee reversed on expenditure of minimum Rs. 1 lakh in the preceding year.

• 1% fuel surcharge wavier.

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Pros/Cons :-

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Pros

• This card comes at a low joining fee of 499.

• You can earn great reward points on spends with this card.

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Cons

• This card doesn’t provide international or domestic lounge access.

• There aren’t any insurance benefits with this card.

• Reward redemptions will be chargeable at Rs. 99