The SBI Etihad Guest Premier card is a co-branded credit card by the State Bank of India in association with Etihad Airways. This card is majorly curated for the people who travel often from one country to the other or even city with Etihad Airways. The card comes with a joining fee of Rs.4,999 and with an interest rate of up to 3.35% per month.
Key Highlights of the SBI Etihad Guest Premier Credit Card
A welcome gift of 5,000 Etihad Guest miles will be given on paying the joining fee.
Complimentary Etihad Guest Gold tier status is given after the first transaction.
6 Etihad Guest miles given for every Rs.100 spent on Etihad.com.
A discount of up to 10% on direct Etihad Airways booking.
On spending Rs.1.5 lakh annually, 1,500 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 Premier Credit Card
A welcome benefit of 5,000 Etihad Guest miles on paying the joining fee.
Complimentary Etihad Guest Gold tier status after the first transaction.
Reward Point Benefits
For every Rs.100 spent on Etihad.com, get 6 Etihad Guest miles.
Receive 4 Etihad Guest miles for every Rs.100 spent on international spends.
On all other spends, you will receive 2 Etihad Guest miles on every Rs.100 spent.
Get a discount of up to 10% on booking Etihad Airways directly.
While travel rewards miles redemption, get a discount of 10%.
On spending 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.
With this card, get a complimentary membership to the Priority Pass Program.
4 complimentary airport lounge visits per year outside the country.
Get access to more than 1,000 airport lounges all over the world.
With the Domestic Lounge Program, get 8 complimentary visits per year to domestic Visa lounges.
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.
The credit limit of the SBI Etihad Guest Premier credit card is given at the discretion of the bank. The State Bank of India will consider many factors when assigning the credit limit. Some of these factors are 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 Premier Credit Card
Add the promocode GMSBIF to avail a discount of up to Rs.4,000 on domestic flights on Goomo.
Get a discount of 20% on the Myles app or website, on a minimum purchase amount of Rs.6,000.
Get a discount of up to Rs.30,000 on international flight bookings made on Goomo by adding the promocode GMSBIF.
On a minimum purchase amount of Rs.2,000, enjoy a discount of 10% on personal care and beauty products at Myntra.
SBI Etihad Guest Premier Credit Card Reward Point Benefits
For every Rs.100 spent on international spends, you will receive 4 Etihad Guest miles.
For every Rs.100 spent on Etihad.com, get 6 Etihad Guest miles.
You will receive 2 Etihad Guest miles on every Rs.100 spent on all other spends.
SBI Etihad Guest Premier Credit Card Fees and Charges
Type of Charge
Rs.4,999 (Reversible if annual spends exceed Rs.5 lakh)
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
Interest-free credit period
20 days – 50 days
Free credit period
Add-on card fee
3.35% per month
Charge slip retrieval
Rs.225 per charge slip
Cash advance fee at SBI ATMs or other ATMs
2.5% of the transaction amount subject to a minimum of Rs.500
Cash advance fee at international ATMs
2.5% of the transaction 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
2.5% of the over-limit amount subjected to a minimum of Rs.500.
Payment dishonour fee
2% of the payment amount subjected to a minimum of Rs.450.
Eligibility Criteria of the SBI Etihad Guest Premier 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 primary applicant must be a citizen of India.
The age of the applicant must be between 18 and 70 years old.
The age of the add-on applicant must be above the age of 15 years.
Documents Required to Apply for the SBI Etihad Guest Premier 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
Proof of Income
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 Premier Credit Card FAQs
What is the joining fee of the credit card?
The joining fee of the SBI Etihad Guest Premier credit card is Rs.4,999.
How can the reward points be redeemed in this credit card?
The reward points for this card come in the form of air miles which can be used to purchase international flight tickets.
What is a fuel surcharge waiver?
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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SBI credit card have offers and reward points but I have not redeem them yet, this is a domestic card, the credit limit is of 50000 which I am very much satisfied as per my need. I got my statement on time. I used this card for personal purposes.The card is very user friendly.
I am using SBI credit card for more than three months, there are some reward points and offers in the card. I used this card for online shopping, fuel surcharge and groceries.The credit limit of the card is sufficient and I like the most about the card is that it is a life time free card and very good to use.
I have used SBI credit card for 2-3 months, but I have not got any time to check about the offers available in the card. The limit of the card is 38000 and I am satisfied because its a life time free card. I used to get my card statement on time and the net banking is also working very well.
I have been using SBI credit card for the last two months, the credit limit of the card was satisfied it was Rs.9,80,000. The bank agent came and collect my document he have informed me every detail about the card. The card have a charges of Rs.2299 in a year. I used to pay my credit card bill through bank. Am getting my card statement in softcopy but I wish the bank can send me a hard copy statement also.
I have used SBI credit card for 3-4 years. It is a very convenience card, there is possibility of increasing my credit score. The credit limit is Rs.37000 which was not up to the mark, this card have more offers if i'd do online shopping through flipkart .This a chargeable card with an amount of 499 along with GST. I do my credit card bill payment through online.
It was only one month that i got the credit card with SBI. But it was nice because I used to get many offers sms. I used this card for shopping, fuel, ticket and for others purposes also. The bank agent came and collected the documents, the limit of the card is Rs.54000. This is a chargeable card, it cost 500 rupees per year.
SBI has offered an annual fee chargeable card of 499 plus GST but there is waiver off option if I spend 1L within a year hence I applied this card through online and received it by one week. The credit limit is low of 57K only. There are good offers and benefits for online shopping. I am not aware about EMI conversion. For every purpose I need to contact customer care only. When I applied a card they made to take an insurance with charge of 500 rupees but still I didn't receive the documents yet.
SBI customer service is not providing good response whenever I contact them. The rate of interest is high. They have deducted 100 rupees for cheque transaction purpose. The limit is low of 63K. I am holding this card for 8 years. I am not getting any calls or message for an update. It is a life time free card. It is a Visa card. My payments are done on time so no idea about EMI facility. But there is no much benefits when I compared with usage.
I have opened my bank account in State Bank Of India before 3 years and I decided to take credit card from the same bank.The credit limit of the card is sufficient for me. If bank provide the statement on time, it will be good and I used to pay credit card bill through online.
I have paid first bill payment for SBI card without any issue. But at that time they have intimated of 8K Yatra voucher but still I didn't get it. So I contacted the banker twice for voucher issue but there is no proper response from their end. It is an annual fee chargeable card of 499 plus GST and it will be reverse in first bill payment but not done yet. The credit limit is sufficient.
I have just got the card one month ago, I have done less transactions and till now I haven't got my bill payment. The credit card is good but i am not satisfied with the credit limit of 37000 rupees only. Hope they increase the limit apart from that its fine.
SBI credit card have a credit limit of 75000 rupees, its a chargeable card of Rs.500 per year along with 87 rupees of GST. The card have a reward points of 500 from amazon if I spend Rs.5000 then only i can redeem the rewards points. I used this card for hotel booking, petrol surcharge and
I have a SBI credit card which i have been using it recently, so far i have not faced any issues. I used this card for online shopping and other purchases.I get many cash back offer and reward points.The credit limit of the card is 46,000rupees, i wish the bank can increase the credit limit more.
I am having SBI credit card with a limit of 120000 and its a life time free card,the bank provide my statement on time,by using this card i used to get offers on malls and groceries.I pay my bill directly through the bank.But no ATM is available nearby.
I have been using SBI credit card recently and I am having a good experience where I get offer from YATRA, the card charges are affordable its only Rs. 500 in a year along with GST.I used to do my card payment directly from the bank, the card limit is 50,000 rupees and I am using this card for general purposes.
I have availed SBI card for business purpose it is used mostly.For all online transaction and the credit limit was less it was 47000 and using for the past 2 months only .cash back offers and reward points are not there .I am paying the credit card bill through online .I have not faced any issues so far and for online transaction will;l be getting otp.
SBI has processed all things was very simple and after that executive came and finalized. I am not happy with the credit limit which i got very less , need to increase the credit limit. Annual charges are Rs. 499 within 2 months if i spend Rs.20k i will be getting 500rs as a reward points. That points can convert as a cash back i use to pay my bills, if i spend RS. 1L in a year from the 2nd year onward its a free card.
I have applied SBI credit card through online channel and the customer service was average. Documents collected by executive and about credit limit i am not happy they committed Rs. 3L, but they given only Rs. 75K need to increase the credit limit.
Am using SBI credit card for two months, its a chargeable card of Rs. 500 but the bank charge me more than that along with GST, the credit limit is 37000 rupees which was not sufficient .The card have a rewards points but I have not check. I have just activated the mobile banking and have not used it for now. I wish the bank can increase the credit limit of the card.
The bank agent called me and told to apply credit card from SBI. I have been using the card for two months but I am not happy with the credit limit because it is only for 39,000 as i am expecting credit limit of more than 1L ,the card have some reward points but there is no offer is available in the card. I would like to give some suggestion to the bank to give transaction facility to credit card like the debit card which I have.