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

    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

    Welcome Benefits

    • 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.

    Discount Benefits

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

    Milestone Benefits

    • 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.

    Travel Benefits

    • 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.

    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.

    Insurance Benefits

    • Rs.50 lakh air accident insurance coverage
    • Rs.1 lakh liability cover in the event of card fraud
    • Allowance of $1000 for lost baggage allowance

    SBI Etihad Guest Premier Credit Card Limit

    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.

    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 Amount
    Annual fee 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)
    Joining fee Rs.4,999
    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 Nil
    Add-on card fee Nil
    Finance charges 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
    Cheque fee Rs.100
    Over-limit payment 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.
    Cheque pickup fee Nil
    Fuel surcharge 1% of the fuel purchase amount
    Emergency card replacement, when abroad Nil
    Card replacement Rs.100
    Statement retrieval Rs.100 per statement
    Foreign currency transaction 3.5%
    Cash payment fee Rs.199
    Railway ticket fee Rs.30 + 2.5% of the transaction cost
    Rewards redemption fee Rs.99

    Eligibility Criteria of 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 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:

    Address Proof

    • Passport
    • Aadhaar card
    • Ration Card
    • Voter ID

    Proof of Identity

    • Aadhaar card
    • Driving License
    • Passport

    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 Premier Credit Card FAQs

    1. What is the joining fee of the credit card?

      The joining fee of the SBI Etihad Guest Premier credit card is Rs.4,999.

    2. 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.

    3. 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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