Not available via the quiz
No longer accepting new applications.

SBI
₹4,999
Joining fee
₹4,999, waived at ₹9L spend
Annual fee
Not found/not mentioned — no confirmed waiver. Welcome benefit: 20,000 bonus reward points upon fee payment within 15 days.
3.5%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹90,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 760+
Estimated — not officially confirmed by the bank.
Salaried and self-employed both eligible; minimum monthly income Rs 60,000
Lounge access
Domestic: 8 complimentary visits annually (2/quarter) at VISA lounges
International: Priority Pass membership covering 600+ global lounges
Reward details
4 points per Rs 100 on other purchases
Welcome bonus: 20,000 bonus reward points upon fee payment within 15 days
Redemption
Via net banking or customer service
Ratio: 1 reward point = 1 Air India Air Mile
Sources