New issuance stopped 28 September 2024. Renewal ticket and milestone tickets stopped for renewals after 1 April 2025; renewal fee waived for those cycles.
Route this card to travel and lifestyle spends first, then shift spillover transactions to stronger category alternatives
miles value depends on travel transfer planning and redemption timing
Latest change: New issuance stopped 28 September 2024. Renewal ticket and milestone tickets stopped for renewals after 1 April 2025; r...
For Users starting out with airline co-branded travel cards. Reward estimate withheld; review model limits. ₹0 annual fee. Verify the lounge spend rule before applying.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Users starting out with airline co-branded travel cards
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
How to use the card well, and what to watch before applying.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
Annual value is withheld. Review the available earning rules and source limitations before choosing a redemption route.
Joining fee ₹1,499
Renewal fee waived for cycles due after 1 April 2025; historical joining fee is not an available new-application offer.
Model limits
Value estimate unavailable: fee or benefit evidence needs review. Check listed issuer sources before applying.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
10 domestic • 6 international policy count
Card-level policy notes: • Lounge-supporting travel stack - Source file: SBI Card Airport Lounge Access page (Set A lounges). - Participating lounge list effective 10 Jan'26. - Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard). Verify latest spend criteria and guest access with issuer before travel.
Mapped from issuer lounge dataset + card policy signals
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
This card does not have publishable enrichment records in the current high-confidence snapshot.
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.