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SBI Etihad Guest Premier Card
Visa
SBI Etihad Guest Premier Card
The premium version of SBI's Etihad co-brand, aimed at frequent Etihad flyers who want lounge access and a materially faster miles-earn rate to go with the airline tie-in. The high fee only pays off if Etihad is a regular part of your travel plans.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ 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
5% reward rate · Complimentary domestic and international airport lounge access.
- 🛡️ Insurance
Complimentary air accident and travel insurance cover.
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹7,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Large welcome Etihad Guest Miles bonus on joining.
- Complimentary domestic and international airport lounge access.
- Accelerated Etihad Guest Miles earn rate versus the base card, plus tier-fast-track potential.
- Complimentary air accident and travel insurance cover.
Pros
- + Domestic and international lounge access
- + Higher Etihad Guest Miles earn rate
- + Sizeable welcome miles bonus
Cons
- − High annual fee
- − Value is narrow if you rarely fly Etihad