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

    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.

    Key Highlights of the SBI Etihad Guest Credit Card

    • A welcome gift of 2,500 Etihad Guest miles will be given on paying the joining fee.
    • Complimentary Etihad Guest Silver tier status after first transaction.
    • 3 Etihad Guest miles given for every Rs.100 spent on Etihad.com.
    • 10% discount given on direct Etihad Airways booking.
    • On spending Rs.5 lakh in a year, 5,000 Etihad Guest miles will be given.
    • Complimentary membership to the International Priority Pass program.
    • Fuel surcharge waiver of 1% on all transactions.

    Features and Benefits of the SBI Etihad Guest Credit Card

    Welcome Benefits

    • A welcome benefit of 2,500 Etihad Guest miles on paying the joining fee.
    • Complimentary Etihad Guest Gold tier status after the first transaction.

    Milestone Benefits

    • Spend Rs.1.5 lakh in a quarter (3 months), you will be given 1,500 Etihad Guest miles.
    • On an annual spend of Rs.8 lakh, 1 companion voucher will be sent to your e-mail ID.
    • If you spend Rs.5 lakh in a year, the annual fee of Rs.4,999 will be reversed from the second year.

    Reward Point Benefits

    • For every Rs.100 spent on Etihad.com, get 3 Etihad Guest miles.
    • Receive 2 Etihad Guest miles for every Rs.100 spent on international spends.
    • On all other spends, you will receive 1 Etihad Guest miles on every Rs.100 spent.

    Discount Benefits

    • Get a discount of up to 10% on booking Etihad Airways directly.
    • While travel rewards miles redemption, get a discount of 10%.

    Travel Benefits

    • With this card, get a complimentary membership to the Priority Pass Program.
    • With the Domestic Lounge Program, get 8 complimentary visits per year to domestic Visa lounges.

    Fuel Benefits

    • 1% fuel surcharge will be waived off for all fuel transactions made with the card.
    • The waiver will be applicable for transactions ranging between Rs.500 and Rs.4,000.
    • Maximum surcharge will be Rs.250 per month.

    SBI Etihad Guest Credit Card Limit

    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.

    Latest Offers on the SBI Etihad Guest Credit Card

    • Get a discount of 20% on the Myles app or website, on a minimum purchase amount of Rs.6,000.
    • Add the promocode GMSBIF to avail a discount of up to Rs.4,000 on domestic flights on Goomo.
    • On a minimum purchase amount of Rs.2,000, enjoy a discount of 10% on personal care and beauty products at Myntra.
    • Get a discount of up to Rs.30,000 on international flight bookings made on Goomo by adding the promocode GMSBIF.

    SBI Etihad Guest Credit Card Reward Point Benefits

    • You will receive 2 Etihad Guest miles for every Rs.100 spent on international spends.
    • For every Rs.100 spent on Etihad.com, get 3 Etihad Guest miles.
    • You will receive 1 Etihad Guest miles on every Rs.100 spent on all other spends.

    SBI Etihad Guest Credit Card Fees and Charges

    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)
    Joining fee Rs.1,499
    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
    Cheque fee Rs.100
    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
    Card replacement Rs.100
    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

    Eligibility Criteria of the SBI Etihad Guest Credit Card

    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:

    • 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 SBI Etihad Guest Credit 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
      • Passport
      • Aadhaar card
    • Address Proof
      • Passport
      • Ration Card
      • Voter ID
      • Aadhaar card
    • Proof of Income
      • IT Returns
      • Salary Slip
      • Form 16

    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.

    SBI Etihad Guest Credit Card FAQs

    1. What is the joining fee of the credit card?
    2. The joining fee of the SBI Etihad Guest Credit Card is Rs.4,999.

    3. How can the reward points be redeemed in this credit card?
    4. The reward points for this card come in the form of air miles which can be used to purchase international flight tickets.

    5. What is a fuel surcharge waiver?
    6. 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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