SBM Bank India
SBM Bank Royale Credit Card
Premium Visa Signature with lifestyle benefits and lounge access
₹2,500/yr annual fee · 3x rewards
By FinWiz24 Research Desk · Last reviewed · How we review
FinWiz24 Research Desk
Verified independently against issuer Terms & Conditions
Editorial Team
-
Best for
- Premium cardholder
- Lifestyle spender
-
What we like
- Domestic + international lounge access
- ₹2,000 welcome lifestyle voucher
- 3x rewards on retail spend
-
Watch out for
- ₹2,500 non-waiver joining fee
- Smaller foreign bank with limited network
- Standard 3.5% forex markup
Annual fee
₹2,500/yr
Reward rate
3x
Min. income
₹6,00,000
Forex markup
3.5%
Lounge access
Domestic + international
Eligibility
₹6 lakh/yr · CIBIL 720+
Reward cap
Not explicitly stated
Welcome benefit
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
SBM Bank Royale Credit Card review: premium Visa Signature with lifestyle rewards, complimentary domestic + international lounge access, milestone vouchers, and welcome benefits for premium cardholders.
Who is this for
- Premium cardholder
- Lifestyle spender
What we like
- Domestic + international lounge access
- ₹2,000 welcome lifestyle voucher
- 3x rewards on retail spend
Watch out for
- ₹2,500 non-waiver joining fee
- Smaller foreign bank with limited network
- Standard 3.5% forex markup
Issuer
SBM Bank India is an RBI-regulated entity. See RBI's Master Directions on Credit Cards for the regulatory framework.
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Joining fee | ₹2,500 | Not waivable |
| Annual fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Renewal fee | ₹2,500 | Waived on annual spends ≥ ₹3,00,000 |
| Forex markup | 3.5% | Not waivable |
| Late payment | ₹1,100 | Not waivable |
| Cash advance | 2.5% of amount | Not waivable |
| Fuel surcharge | 1% | 1% surcharge waived on fuel transactions between ₹400 and ₹4,000 |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 3 Reward Points per ₹100 on retail spend; 2 Reward Points per ₹100 on dining; 1 Reward Point per ₹100 on utility & in… | Not explicitly stated | Redeemable via SBM Bank rewards portal |
| DINING | 2.00 | — | 0.50 |
| TRAVEL | 3.00 | — | 0.50 |
| SHOPPING | 3.00 | — | 0.50 |
Benefits
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Domestic + International Lounge Access Highlight
4 complimentary domestic + 2 international lounge visits per year.
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Welcome Vouchers
₹2,000 lifestyle voucher on payment of joining fee.
-
Milestone Vouchers
₹2,000 voucher on annual spends ≥ ₹3,00,000; ₹4,000 voucher on ≥ ₹6,00,000.
-
Fuel Surcharge Waiver
1% surcharge waiver on fuel transactions between ₹400 and ₹4,000.
Eligibility
- Age
- 21–65 years
- Min. income
- ₹6,00,000
- Min. credit score
- 720+
- Score note
- Good credit card required
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar (DigiLocker sufficient), salary slip / ITR for self-employed
SBM Bank Royale Credit Card is the premium Visa Signature tier. It targets premium spenders with lifestyle rewards, lounge access, and milestone vouchers.
Fees and rewards
- Joining fee: ₹2,500 (non-waiver)
- Annual fee: ₹2,500, waived on annual spends ≥ ₹3,00,000
- Rewards: 3 Reward Points per ₹100 on retail spend; 2 Reward Points per ₹100 on dining
- Forex markup: 3.50%
Benefits
- 4 domestic + 2 international lounge visits per year
- ₹2,000 welcome lifestyle voucher
- ₹2,000 milestone voucher on ₹3 lakh spend; ₹4,000 on ₹6 lakh
- 1% fuel surcharge waiver
Eligibility
Minimum annual income ₹6,00,000 (salaried) / ITR-based for self-employed. Good credit score required.
Card data is compiled from the issuer’s published fee schedules. Last reviewed 2026-09-26.
Step-by-step application guide: Read the SBM Bank Royale Credit Card apply walkthrough →
Apply for SBM Bank Royale Credit Card
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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Frequently asked questions
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