Chennai Metro SBI Credit Card Review

Chennai metro SBI card is the card from the State Bank of India that can be used both as a regular credit card and a metro card as well. It has some of the greatest features for the people who travel in the Chennai metro and shop frequently. The awesome benefits of the card include reward benefits, benefits on flight tickets, discounts on car rental, hotel booking benefits, dining benefits, fuel surcharge waiver, etc. Now let’s go deeper and discuss the card in detail.   

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 70 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 70 yrs. 
    • Income: ₹25,000 monthly. 
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip, (3 months) 
      • ITR
    • Self-employed person
      • Latest Income tax return. 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹499 + GST
  • Annual Fee: ₹499 + GST


  • Welcome benefit:

This card offers 2,000 reward points if ₹2000 or more is spent within the first 60 days with this card. 

  • Reward benefit:

This card offers 10 reward points on spends on movies, grocery, departmental stores, etc.

This card also offers 1 reward point on each ₹100 spends on other categories. 

1 reward point = ₹0.25

  • Hotel booking:

You can get up to 4,000 rupees off on domestic hotels through ‘MakeMyTrip’ (promo code – MMTSBL).

  • Flight Booking:

You can get ₹4,000 off on your domestic flight booking on ‘Goomo’ on a minimum transaction of ₹50,000 (coupon code – ‘GMSBIF’)

  • Dining benefit:

It gives you 10x reward points on spends on most of the restaurants. (Minimum transaction amount ₹100)

  • Car Rental:

This card offers you 20% off on car rental through Myles (web or app). The minimum transaction should be ₹6,000

  • Fuel surcharge waiver:

This card offers a 1% discount on every petro pump in the country. The applicable transaction amount is ₹300 to ₹3000.

  • Lost card liability coverage:

SBI covers their customers against card loss. With their 24×7 customer care and alert feature, you are fully safe. You can block your lost card at any moment from anywhere in the world.

  • Milestone benefit:

If you can spend ₹1,00,000 within a year with your card, then the annual fee for the next year will be waived off. 

  • Balance Transfer:

You can transfer the outstanding balances from your other credit card to your ‘Chennai Metro SBI Card’ to get a lower interest rate.

  • Autopay:

With the auto-pay feature, your bills will be paid automatically within due dates. You can also set the maximum amount you want to pay.

  • Flexipay:

With this feature, you can now buy products of your choice and you can pay the bills in easy monthly EMIs at a very low-interest rate. You can transform your bills into EMIs within 10 days of purchase.

  • Add on the facility:

You can add your loved ones with your card as add-on members and they can also enjoy the benefits of having a credit card. The Age of the add-on members should be at least 18 yrs. 

  • Ticket Booking:

With this card you can now book your Railway tickets online and also you can order them at your doorstep with a few simple steps.  

  • Alert facility: 

With this feature, you will feel more secure regarding your account. You will get SMS & E-Mail Alerts on cash transactions, reaching credit limits, Mini statements generation, and lots more.

  • Worldwide Acceptance:

Your ‘SBI Dena Secured Credit Card’ is accepted by over 2 million visa outlets in the world. That means you can use this card almost anywhere.


  • Cash Withdrawal Charge: 2.5% at all ATMs, Min ₹500
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100xGain Ratings: 7/10

Final Opinion:

Chennai Metro SBI Card is a low-cost travel credit card, this card offers some extraordinary benefits for frequent travelers, you will get a big discount on domestic flight booking, discount on car rental, reward points on dining spends, fuel surcharge waiver, etc. You can also earn some handsome reward points with this card. So if you want to have a low-cost travel credit card then this card can be a very good option for you.

But this card does not feature any lounge access facility, so if you want to have the lounge access benefit as a part of your travel experience, you can go for ICICI Bank MakeMyTrip Platinum Credit Card or Axis Bank My Wings Card

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