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SBI Etihad Guest Card
Visa
SBI Etihad Guest Card
An entry-level airline co-brand card that converts everyday spend into Etihad Guest Miles rather than generic points. Useful for occasional Etihad flyers who want a low-effort way to top up their mileage balance, though the earn rate trails dedicated travel cards.
Annual fee
₹1,499
Joining fee
₹1,499
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- ✈️ Travel
4% reward rate
- ⛽ Fuel
1% fuel surcharge waiver at all fuel stations across India.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Welcome Etihad Guest Miles credited on card activation.
- Earn Etihad Guest Miles on every spend, redeemable for Etihad Airways flights and upgrades.
- 1% fuel surcharge waiver at all fuel stations across India.
Pros
- + Direct Etihad Guest Miles earning on all spends
- + Welcome miles on activation
- + Fuel surcharge waiver
Cons
- − No lounge access at this tier
- − Miles only useful to Etihad flyers