The SBI Etihad Guest card is a credit card offered by the State Bank of India in association with Etihad Airways. This card is curated for the people who travel often outside the country and who prefer to fly with Etihad Airways. The card comes with a joining fee of Rs.1,499 and with an interest rate of up to 3.35% per month.
Reward Point Benefits
The credit limit of the SBI Etihad Guest Credit Card is given at the discretion of the bank. The State Bank of India will consider many factors when assigning the credit limit. These factors include the annual income of the primary applicant, the credit score, the credit report as well as the repayment habits of past and ongoing debts.
|Type of Charge||Amount|
|Annual fee||Rs.1,499 (Reversible if annual spends exceed Rs.5 lakh)|
|Minimum amount due||5% of the total outstanding amount subjected to a minimum of Rs.200|
|Cash advance limit||Up to 80% of the credit limit (maximum up to Rs.12,000 per day)|
|Free credit period||Nil|
|Interest-free credit period||20 days – 50 days|
|Charge slip retrieval||Rs.225 per charge slip|
|Add-on card fee||Nil|
|Finance charges||3.35% per month|
|Cash advance fee at international ATMs||2.5% of the transaction amount subjected to a minimum of Rs.500.|
|Cash advance fee at SBI ATMs or other ATMs||2.5% of the transaction amount subject 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
|Payment dishonour fee||2% of the payment amount subjected to a minimum of Rs.450.|
|Over-limit payment||2.5% of the over-limit amount subjected to a minimum of Rs.500.|
|Emergency card replacement, when abroad||Nil|
|Cheque pickup fee||Nil|
|Fuel surcharge||1% of the fuel purchase amount|
|Foreign currency transaction||3.5%|
|Statement retrieval||Rs.100 per statement|
|Rewards redemption fee||Rs.99|
|Cash payment fee||Rs.199|
|Railway ticket fee||Rs.30 + 2.5% of the transaction cost|
When you click the ‘Apply Now’ option on SBI’s website, you will have to submit a few primary details. After which, 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:
You will need to submit several documents during the application procedure. Here are some of the documents which are required:
The list of documents mentioned above is indicative. The bank may ask you to submit any other document during the application procedure or after depending on the requirement.
The joining fee of the SBI Etihad Guest Credit Card is Rs.4,999.
The reward points for this card come in the form of air miles which can be used to purchase international flight tickets.
The fuel surcharge which is 1% of your fuel purchase amount is waived off for all transactions which are made with this card. The minimum purchase amount to avail this waiver is Rs.500 and a maximum of Rs.4,000.
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