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

    The Etihad Guest credit card by the State Bank of India is a travel credit card which offers a wide range travel benefits along with a wide range of features across other categories. The State Bank of India in cooperation with Etihad has launched the credit card to help customers travel seamlessly and avail discounts and attractive offers on flight and travel bookings.

    The card comes with an annual fee of Rs.1,499 and with an interest of 3.35% per month or up to Rs.25 (whichever is higher on the date of transaction).

    Key Features of the Etihad Guest SBI Credit Card

    • 2,500 Etihad Guest Miles on payment of annual fee.
    • Discount of up to 10% on flight bookings directly from the Etihad Airways website.
    • 5,000 Etihad Guest Miles on annual spends of Rs.5 lakh.
    • On annual spends of Rs.10 lakh, 1 companion voucher given to cardholder.
    • Complimentary membership of Priority Pass Program.
    • 8 complimentary domestic lounge visits per year.
    • 1% fuel surcharge waiver.

    Features and Benefits of the Etihad Guest SBI Card

    Welcome Benefit
    • 2,500 Etihad Guest Miles
    • Guest Miles will be credited once the annual fee is paid.
    • Complimentary Etihad Guest Silver tier status.
    Reward Point Benefits
    • 3 Etihad Guest Miles for every Rs.100 spent on Etihad.com.
    • 2 Etihad Guest Miles for every Rs.100 spent on the international spends.
    • 1 Etihad Guest Mile for other spends except fuel.
    Discount Benefits
    • Up to 10% discount on bookings directly made from Etihad Airways.
    • 5% discount on reward points redemption
    Milestone Benefits
    • On annual spends of Rs.5 lakh, 5,000 Etihad Guest Miles awarded.
    • 1 companion voucher given on annual spends of Rs.10 lakh.
    • Annual fee reversed on spending Rs.3 lakh.
    Lounge Access Benefits
    • Complimentary Priority Pass Program worth $99.
    • 8 complimentary lounge visits per year in India. 2 visits permitted per quarter.
    Insurance Benefits
    • Complimentary overseas air coverage of Rs.25 lakh.
    • Fraud liability cover of Rs.50,000.
    • Lost Baggage cover up to $1,000.
    Fuel Surcharge Benefits
    • Fuel surcharge waiver of 1% across petrol pumps in the country.
    • Applicable on transactions between Rs.500 and Rs.4,000.
    • Maximum surcharge waiver of Rs.250 per cycle.

    Etihad Guest SBI Credit Card Limit

    The limit for the Etihad Guest SBI credit card is assigned at the discretion of the bank. The State Bank of India will take several factors into consideration before assigning the limit for the credit card. Some of the factors considered are the credit score of the applicant, the credit report, the credit utilisation ratio of other cards along with the repayment habits of past and ongoing debts.

    Fees and Charges for the Etihad Guest SBI Credit Card

    Type of Charge Fee
    Annual Fee (one time) Rs.1,499
    Renewal Fee (per annum) Rs,1,499
    Finance Charges 3.35% or up to Rs.25 (Whichever is higher at the time of transaction)
    Add-on Card Fee (per annum) Nil
    Cheque payment fee Rs.100
    Cash Advance Up to 80% of the credit limit; up to Rs.15,000 per day.
    Cash advance fee 2.5% of the transaction amount (subject to a minimum amount of Rs.500)
    Overlimit charges 2.5% of the transaction amount (minimum of Rs.500)
    Statement retrieval Rs.100
    Card Replacement Fee Rs.100
    Foreign currency transaction 3.50%
    Late Payment Fee: 0 – Rs.500 Rs.500 - Rs.1,000 Rs.1,000 - Rs.10,000 Rs.10,001 and above Nil Rs.400 Rs.750 Rs.900

    Eligibility Criteria for the Etihad Guest SBI Credit Card

    The eligibility criteria of a credit card are dependent on a range of factors. Check out the primary eligibility criteria for credit cards.

    Nationality The applicant must be a citizen of India or a non-resident Indian.
    Age The primary applicant must be least 18 years old. However, for some banks, the minimum age to apply for a credit card may be 21 years.
    Employment status The applicant must be either be salaried or be self-employed and have a steady source of income.
    Credit Score A good CIBIL score will be beneficial in making sure that the application is approved.
    Income Many banks may require the applicant to meet the minimum income requirement before they approve the card application.

    Documents Required for the Etihad Guest SBI Credit Card

    Proof of Address Income Proof Identity Proof
    Ration Card Salary Slips Driving License
    Voter ID IT Returns Voter ID
    Passport Form 16 Aadhaar Card
    Aadhaar Card - -

    The list of documents mentioned is indicative. The bank can ask the primary applicant to furnish additional documents during the process of application.

    Etihad Guest SBI Credit Card FAQs

    1. Is there a minimum salary to get an Etihad Guest SBI Card?

      The minimum salary required to apply for the Etihad Guest SBI credit card is decided by the bank depending on a number of factors.

    2. Will the renewal fee be waivered on annual spends?

      Yes, on spending a total of Rs.3 lakh in a calendar year, the renewal fee of Rs.1,499 will be waivered from the second yea onwards.

    3. Is there add-on card facility available for the Etihad Guest SBI Card?

      Yes, the primary cardholder can avail an add-on credit card for any family member who is above the age of 18.

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