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SBI Card

Ola Money SBI

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Annual Fee

₹500

Reward Type

Cashback

Forex

3.5%

Lounge

0 dom · 0 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹500
Annual Fee₹500(waived ≥ ₹1,00,000)
Min Monthly Income₹15,000

Rewards

Reward TypeCashback
Base Rate1%
Point Value₹1/point

Category Multipliers

dining5%(cap ₹500)ola rides7%(cap ₹500)

Travel & Global

Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone

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💡 Fee Waiver Strategy

Spend ₹1L/year to waive ₹500 fee.

⚖️ Breakeven Analysis

To recover the ₹500 annual fee at the base reward rate of 1%, you need to spend ₹50,000 annually.

🎯 Pro Tips

  • ▸7% on Ola rides
  • ▸5% on dining spends
  • ▸Cashback credited to Ola Money wallet

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹14,500

Effective Rate

1.2%

Ranked #49 of 173 cards#49

₹500 annual fee deducted from gross rewards value.

🏷️ Best For

diningco-branded