SBI Card
Etihad Guest SBI Credit Card
Annual Fee
₹3,539₹2,999 + GSTBase Reward
1% miles
Foreign Markup
3.5% (plus applicable taxes)
Welcome Benefits
2,500 Etihad Guest Miles, Etihad Guest Silver tier status, 1 complimentary wifi voucher on first booking for Etihad Airways
Product Highlights
- Welcome benefit of 2,500 Etihad Guest Miles
- Complimentary Etihad Guest Silver tier status
- 1 free wifi voucher on first Etihad Airways booking
- 10% discount on business class ticket bookings directly from Etihad Airways
- 3% discount on economy class ticket bookings directly from Etihad Airways
Category Rewards
travel
3 Etihad Guest Miles per ₹100 on Etihad Airways
3X
Specialty
1 Etihad Guest Mile for every ₹100 on other spends
1X
Fee Waiver
Annual membership fee waived off (2nd year onwards) on minimum spends of ₹3 lakh in the previous year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Etihad Airways
Bonus miles on Etihad bookings
Reward Calculator
Earns ₹349/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
6.5K
Etihad Guest Miles
₹3.9K
via standard · ₹0.6/pt
Effective rate
2.49%
Annual fee
₹3,539
Year 1 net
+₹349
Year 2+ net
+₹349
ongoing
Adjust your spend by reward bucket
2 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per year · You spend ≈ ₹6L
Bonus Etihad Guest Miles
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, utility, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
3 Etihad Guest Miles per ₹100 you spend on Etihad Airways, 2 Etihad Guest Miles per ₹100 you spend on International transactions, 1 Etihad Guest Mile on other ₹100 spends.
- Etihad Guest Miles earned redeemable for booking flights, hotels and renting cars from participating travel partners, and for purchasing products from Etihad Guest website or its travel partner services.
Benefits & Features
Domestic: 8 complimentary access to domestic lounges annually (max 2/quarter) International: Complimentary Priority Pass membership worth USD 99 8 complimentary domestic lounge access annually (maximum 2 every quarter) with the Visa Lounge Program.
Pros & Cons
Pros
- High reward rate on Etihad Airways bookings
- Complimentary domestic lounge access
- Priority Pass membership
Cons
- Annual fee of ₹1,499
- Limited to travel-related benefits
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Annual membership fee waived off (2nd year onwards) on minimum spends of ₹3 lakh in the previous year