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SBI Cards and Payment Services Ltd

SBI Signature Credit Card

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Annual Fee

₹4,999

Reward Type

Points

Forex

1%

Lounge

8 dom · 4 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹4,999
Annual Fee₹4,999(waived ≥ ₹1,00,000)
Min Monthly Income₹50,000

Rewards

Reward TypePoints
Base Rate1.5%
Point Value₹0.25/point

Category Multipliers

dining5%grocery5%

Travel & Global

Forex Markup1%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkVisa, Priority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

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💡 Fee Waiver Strategy

Spend ₹1,00,000 annually to waive the annual fee.

⚖️ Breakeven Analysis

To recover the ₹4,999 annual fee at the base reward rate of 1.5%, you need to spend ₹3,33,267 annually.

🎯 Pro Tips

  • ▸Maximize dining rewards by using the card for restaurant bills.
  • ▸Use the card for international transactions to earn more points.
  • ▸Pay utility bills to earn additional reward points.

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,701

Effective Rate

0.3%

Ranked #116 of 173 cards#116

₹4,999 annual fee deducted from gross rewards value.

🏷️ Best For

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