Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • Chennai Metro SBI Card

    The Chennai Metro SBI card is a unique product offered by the State Bank of India which serves a dual purpose of a Metro card as well as a credit card. This card comes with an annual fee of Rs.499 and a renewal fee of Rs.499 as well. The interest charged on the card is up to 3.35% per month.

    Key Highlights of the Chennai Metro SBI Card

    • Spend Rs.2,000 or more within the first 2 months and get 2,000 bonus reward points.
    • Accelerated reward points of 10x for the departmental store, grocery, dining, and movie spend.
    • 1 reward per Rs.100 spent on the card.
    • Annual fee reversed is Rs.1 lakh or more is spent on the card in the year.
    • The fuel surcharge of 1% will be waived on all fuel transactions at all fuel stations.

    Features and Benefits of the Chennai Metro SBI Card

    Welcome Benefits

    • Get 2,000 reward points by spending Rs.2,000 or more within the first 60 days from card issuance.

    Reward Point Benefits

    • 1 reward point will be given for every Rs.100 spent on the card.
    • Accelerated reward points of 10x will be given on all movie, departmental store, grocery and dining spend.

    Annual Fee Benefits

    • The annual membership fee of Rs.499 will be waived if Rs.1 lakh is spent in the previous year.

    Fuel Benefits

    • A fuel surcharge of 1% will be waived on all fuel transactions across all petrol stations in the country.
    • The transaction amount to avail this waiver should be between Rs.300 and Rs.3,000.

    Chennai Metro SBI Card Limit

    The credit card limit is given by the bank. State Bank of India considers several factors before assigning the credit limit of this card. Some of the factors are the annual income of the primary applicant, the credit score, the credit report, and the repayment habits of any past or ongoing debts.

    Latest Offers on the Chennai Metro SBI Card

    • Get a 10% discount on personal care and beauty products on Myntra with the credit card.
    • Enjoy a discount of up to Rs.4,000 on your domestic hotel bookings on MakeMyTrip by adding the promocode MMTSBI.
    • Avail a 20% discount on your car rental bookings on the website or app of Myles on a minimum transaction of Rs.6,000.
    • Get a maximum discount of Rs.4,000 on your domestic flight bookings on Goomo on a minimum purchase amount of Rs.50,000. Add the coupon code GMSBIF during checkout to avail the offer.

    Chennai Metro SBI Card Reward Point Benefits

    • For every Rs.100 spent on the card, 1 reward point will be given.
    • 10x accelerated reward points will be given on all departmental store, movie, grocery and dining spend.

    How to Redeem Reward Points Earned on your Chennai Metro SBI Credit Card

    Reward points on your Chennai Metro SBI credit card can be redeemed through online or offline methods.

    Offline Methods

    You can call the SBI credit card customer care at 39 02 02 02 with your STD code or 1860 180 1290 if you wish to redeem your reward points through offline methods.

    Another way by which you can redeem your reward points is by sending a post to the corporate address of the bank which is:

    P.O. Box 28,
    New Delhi 110001.

    Online Methods

    To redeem reward points online, the steps you need to follow are:

    • Log in to the website of the State Bank of India.
    • Select the option of ‘rewards’ from the menu.
    • Choose the products or vouchers you wish to purchase.
    • Add those items to the cart.
    • Click on submit and your points will be redeemed.

    Chennai Metro SBI Card Fees and Charges

    Type of Charge Amount
    Annual fee Rs.499 (Reversible if annual spends exceed Rs.5 lakh)
    Free credit period Nil
    Cash advance limit Up to 80% of the credit limit (maximum up to Rs.12,000 per day)
    Minimum amount due 5% of the total outstanding amount subjected to a minimum of Rs.200
    Joining fee Rs.499
    Charge slip retrieval Rs.225 per charge slip
    Interest-free credit period 20 days – 50 days
    Add-on card fee Nil
    Finance charges 3.35% per month
    Cash advance fee at SBI ATMs or other ATMs 2.5% of the transaction amount subject to a minimum of Rs.500
    Over-limit payment 2.5% of the over-limit amount subjected to a minimum of Rs.500.
    Late payment charges For a total amount due between Rs.0 and Rs.200 - Nil
    Between Rs.200 and Rs.500 - Rs.100
    Between Rs.500 and Rs.1,000 - Rs.400
    Between Rs.1,000 and Rs.10,000 – Rs.600
    Between Rs.10,000 and RS.25,000 – Rs.800
    More than Rs.25,000 – Rs.950
    Cheque fee Rs.100
    Cash advance fee at international ATMs 2.5% of the transaction amount subjected to a minimum of Rs.500.
    Fuel surcharge 1% of the fuel purchase amount
    Payment dishonour fee 2% of the payment amount subjected to a minimum of Rs.450.
    Cheque pickup fee Nil
    Card replacement Rs.100
    Emergency card replacement, when abroad $175
    Foreign currency transaction 3.5%
    Statement retrieval Rs.100 per statement
    Railway ticket fee Rs.30 + 2.5% of the transaction cost
    Cash payment fee Rs.199
    Rewards redemption fee Rs.99

    Eligibility Criteria of the Chennai Metro SBI Card

    Click the ‘Apply Now’ option on SBI’s website and submit a few primary details which are required. Once done, the bank will check if you are eligible for a credit card and will get in contact with you.

    The ideal eligibility criteria for the credit card is:

    • The age of the applicant must be between 18 and 70 years old.
    • The primary applicant must be a citizen of India.
    • The age of the add-on applicant must be above the age of 15 years.

    Documents Required to Apply for the Chennai Metro SBI Card

    You will need to submit several documents during the application procedure. Here are some of the documents which are required:

    Proof of Identity

    • Driving License
    • Aadhaar card
    • Passport

    Address Proof

    • Aadhaar card
    • Ration Card
    • Passport
    • Voter ID

    Proof of Income

    • Salary Slip
    • Form 16
    • IT Returns

    The list of documents mentioned is indicative. The bank can ask you to submit other documents during the application procedure or after depending on the requirement.

    Chennai Metro SBI Card FAQs

    1. What are the joining fee and the renewal fee of the card?

      The joining fee and the annual fee of the card is Rs.499. The renewal fee of the card can be waived off if you spend more than Rs.1 lakh in the previous year.

    2. What are the fuel benefits on the card?

      The fuel surcharge of 1% will be waived on all your transactions at all fuel stations in the country. However, the purchase amount must range between Rs.500 and Rs.3,000.

    3. What are the accelerated reward points given on the card?

      The accelerated reward points of 10x will be given on the card on all departmental store purchases, movie, grocery spends, and dining expenses.

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