SBI Card
Mumbai Metro SBI Card
Annual Fee
₹295₹250 + GSTBase Reward
1% points
Foreign Markup
3.5%
Welcome Benefits
Get ₹50 as preloaded value on Mumbai Metro SBI Card. Get 2000 reward points on spending ₹2,000 within 60 days of card issuance.
Product Highlights
- Auto top-up facility
- Exclusive for Mumbai metro travelers
Category Rewards
shopping
10 reward points on every ₹100 spent on top-up
10X
dining
10 reward points on every ₹100 spent on dining, movies, grocery, and departmental stores
10X
Specialty
1 reward point on every ₹100 spent on other categories
1X
Fee Waiver
Waiver of renewal fee on spending ₹1,00,000 in the previous year
Merchant-Specific Rewards
1 pt ≈ ₹0.25–₹0.50
Mumbai Metro
10% Cashback on Mumbai Metro travel(Cap ₹100/cycle)
MMRC
10% Cashback on Mumbai Metro travel(Cap ₹100/cycle)
Reward Calculator
Earns ₹905/year (net)
Modest gain. Solid hold if you like the perks.
₹13K
across all your buckets
4.8K
SBI Reward Points
₹1.2K
via standard · ₹0.25/pt
Effective rate
0.77%
Annual fee
₹295
Year 1 net
+₹905
Year 2+ net
+₹905
ongoing
Adjust your spend by reward bucket
2 bucketsReal Reward Ceiling
Headline %s are gated by caps. Here's how far each accelerator stretches before it falls back to the base rate.
10% Cashback on Mumbai Metro travel
Headline: 10.00% effective
₹100/cycle ÷ 10.00% = ₹1,000 eligible spend/cycle
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, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹3,000 fuel txns · capped at ₹100/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
Earn 10 reward points on every ₹100 spent on top-up. Earn 10 reward points on every ₹100 spent on dining, movies, grocery, and departmental stores (up to 5000 RPs in a month). Earn 1 reward point on every ₹100 spent on other categories.
- 1 RP = ₹0.25 against statement, e-vouchers, gifts, purchasing electronics, homeware, accessories, lifestyle products, Disney+ Hotstar Premium memberships, livemint subscription and more.
Benefits & Features
1% waived on ₹500-₹3000 transactions, capped at ₹100
Pros & Cons
Pros
- 10 reward points on every ₹100 spent on top-up
- 10 reward points on every ₹100 spent on dining, movies, grocery, and departmental stores
Cons
- No travel benefits
- Limited to specific categories for higher rewards
Additional Info
The card can be used as a metro card and automatically gets recharged.
The cardholder must have a decent credit history.
Earn up to 5000 reward points in a month on selected categories.
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Min Age
21 yrs
Networks
Fee Waiver
Waiver of renewal fee on spending ₹1,00,000 in the previous year