State Bank of India
SBI Card Signature
Best for rewards, premium
₹4,999/yr annual fee
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹4,999/yr
Reward rate
Not published
Min. income
₹10,00,000
Forex markup
2.5%
Lounge access
Yes
Eligibility
₹10 lakh/yr · CIBIL 750+
Reward cap
No published cap
Welcome benefit
None beyond the reward rate
Who is this for
- Rewards optimiser
- Premium cardholder
What we like
- Complimentary airport lounge access
- Dining benefits
Watch out for
- ₹4,999 non-waiver joining fee
- ₹950 late-payment fee
- 2.5% cash-advance fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹4,999 | Not waivable |
| Annual fee | ₹4,999 | Waived on annual spends ≥ ₹5,00,000 |
| Renewal fee | ₹4,999 | Waived on annual spends ≥ ₹5,00,000 |
| Forex markup | 2.5% | Not waivable |
| Late payment | ₹950 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹3,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3.00 | — | 0.25 |
| DINING | 3.00 | — | 0.25 |
| SHOPPING | 3.00 | — | 0.25 |
Benefits
-
Lounge access Highlight
4 international + 6 domestic lounge visits per year — 4+6/year
-
Dining benefits Highlight
Up to 20% discount at premium restaurants — 20%
-
Travel insurance
Up to ₹1 crore air accident insurance — ₹1 crore
-
Milestone benefits
Up to 7,500 bonus Reward Points on annual spends ≥ ₹3L
Eligibility
- Age
- 21–65 years
- Min. income
- ₹10,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- SBI premium lifestyle card
SBI Card Signature is a MASTERCARD credit card from SBI Card. It is best suited for rewards, premium.
Fees and rewards
- Annual fee: ₹4999
- Joining fee: ₹4999
- Rewards: 3 reward points per ₹100
Eligibility
SBI premium lifestyle card
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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