○ Data not yet verified
💰
Annual Fee
₹499
🎁
Reward Type
Points
🌍
Forex
3.5%
✈️
Lounge
0 dom · 0 intl
Full Spec Sheet
Multi-source VerifiedFees
Joining FeeFree
Annual Fee₹499(waived ≥ ₹50,000)
Min Monthly Income₹10,000
Rewards
Reward TypePoints
Base Rate1%
Point Value₹0.25/point
Travel & Global
Forex Markup3.5%
Domestic LoungeNone
Intl. LoungeNone
India-Specific
Fuel Surcharge✓ 1% waiver
Similar Cards
💡 Fee Waiver Strategy
Annual fee waived for first 4 years if the linked FD is maintained.
⚖️ Breakeven Analysis
To recover the ₹499 annual fee at the base reward rate of 1%, you need to spend ₹49,900 annually.
🎯 Pro Tips
- ▸Secured credit card against SBI Fixed Deposit — designed for thin-file customers.
- ▸Annual fee waived for first 4 years for FD holders — effectively free to start.
- ▸1 RP/₹100 on all spends. Fuel surcharge waiver.
- ▸Best path to build CIBIL score from scratch — responsible use for 12–18 months establishes credit history.
- ▸Upgrade to SBI SimplySAVE or SimplyCLICK once CIBIL score crosses 700.
📊 Spend Profile Simulator
Spend Profile Simulator
Net Annual Value
+₹2,501
Effective Rate
0.2%
Ranked #132 of 173 cards#132
₹499 annual fee deducted from gross rewards value.
🏷️ Best For
first-card