Etihad Guest SBI Credit Card Review

The Etihad Guest SBI credit card is quite popular among Indians looking for a low cost credit card that can add more comfort to their travel experience. Targeting the notch section of Indian credit card users, this card offers complimentary priority pass membership, big discounts on Etihad flight booking, assured etihad rewards with every transaction, and lots more. A detailed description of the benefits of the card is given below.

Who can apply for the sbi etihad guest card?

• Resident Type: Indian. 
• sbi credit card eligibility criteria for salaried person:
  • Age: 21 to 60 years. 
  • SBI credit card minimum salary requirement: Rs.40,000 monthly (min) 
• SBI credit card eligibility criteria for self-employed person:
  • Age: 21 to 65 yrs. 
  • SBI credit card minimum salary requirement: Rs.50,000 monthly (min)
• A CIBIL score of 700+ is required to apply for this card.

What documents are required to apply for a sbi bank credit card?

• Photocopy of ID Proof (any 1)
  • Aadhar card
  • Voter Card
  • Passport
  • PAN Card
• Photocopy of Address proof (any 1) 
  • 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 (Income Tax Return)
  • Self-employed person
    • Latest Income tax return. 
    • Proof of business
    • Recent audited financial report.

As per the new sbi credit card rules, all new credit cards are not delivered in an inactive state and can be activated by generating a new credit card pin. So if you want to know more about the sbi credit card pin generation process, then make sure to take a look at our faq page. 

What are the sbi etihad credit card fees?

• Joining fee: Rs.1499 + GST 
• Annual fee: Rs.1499 + GST 

What are the Etihad guest card benefits?

• Get started with a huge joining bonus:

As you activate your sbi credit card for the first time and pay your first-year joining fee within 15 days of card activation, you will receive 2500 EYG miles as an SBI credit card joining bonus.

• Make your transactions more rewarding:

Your every transaction made using this card can earn you useful  sbi credit card reward points.

Category of transaction	SBI credit card points for every Rs.100 spent
Travel booking from Etihad.com	3 etihad miles
International transactions	2 etihad guest miles
Domestic transaction (excluding fuel)	1 Etihad mile

• Experience attractive deals on etihad flight booking:

The sbi etihad card travel benefits are offered like this.

Category of transaction	Benefits
Etihad airways economy class ticket	3% discount
Business class tickets	10% discount
Air miles redemption	5% discount

• Add comfort to your travel:

This sbi credit card features a complimentary priority pass membership, that offers you upto 8 free yearly access (2 per quarter) to over 1000+ airport lounges worldwide.

• Get freedom from fuel surcharges:

This sbi credit card offers a 1% waiver on fuel surcharges across all fuel stations in India. You can save only a maximum of Rs. 250 per sbi credit card statement cycle. The transaction amount should be between Rs.500 to Rs.4,000.

• Complimentary sbi credit card insurance coverage:

The details of the SBI credit card insurance coverage are given below.

Particulars	Total coverage amount
Overseas air accidental coverage	Rs.25 lakh
Fraud liability coverage	Rs.50,000
Lost baggage coverage	USD 1000

• Get attractive deals on milestone spends:

The etihad sbi card milestone benefits are offered like this.

Credit card usage	Benefit
Rs.10,00,000 within a year	1 companion voucher
Rs.5 lakh within a year	5,000 Etihad miles
Rs.3 lakh in a year	A complete waiver on your next year’s sbi credit card annual fee

You can keep track of your credit card usage from your sbi credit card netbanking account.

• Enjoy easy bill splitting:

With the sbi credit card flexi pay facility, your high-value transactions can be converted into small monthly installments. You can also calculate the monthly installment amount from the sbi credit card emi calculator.

• Advanced security arrangements:

This card is armed with the advanced EMV chip, this chip with its next-gen encryption method makes your card extremely resistant to credit card cloning.

What are the sbi credit card charges?

Particulars	Payable Amount
SBI credit card cash withdrawal charge	2.5% against the transaction amount (check your sbi credit card cash withdrawal limit before making a withdrawal)
SBI bank card finance charge	The sbi credit card interest rate is 3.50% monthly (applicable if your sbi credit card payment is not made in time)
SBI credit card international transaction charges	3.5% against the transaction amount.
SBI add on credit card fee	None, free for a lifetime.

How to contact the sbi customer care helpline department?

• Call the sbi credit card customer care no: 1860-180-1290 / 022-3902-0202 or 1860-180-7777
• Write to the sbi credit card helpline email id: customercare@sbicard.com

100xGain Ratings:

7/10

Pros and cons:

Pros	Cons
This card comes with a complimentary priority pass membership. This sbi credit card offers some huge discounts on flight booking.	There are no dining or entertainment benefits on this card.

Final Opinion:

For frequent travelers, especially those who travel with Etihad Airlines, this card would be a solid choice. With assured travel points on every transaction, complimentary priority pass membership, and big discounts on flight tickets, this card can be the best sbi credit card for them.

But this card is not completely flawless, the majority of the flight offers are focused on Etihad Airlines. But considering the vast network of Etihad airlines, I don’t think it would be a matter of concern. Also, if you are looking for a more premium option, then you can take a look at the etihad guest sbi premier card or our best travel cards page.

Alternative cards: 

1. Citi PremierMiles Card (Best for travel and shopping benefits)
2. ICICI Bank British Airways Classic Credit Card (Best for travel and dining benefits)
3. Indusind Bank Signature Credit Card (Best for travel and movie benefits) 
4. Chennai metro SBI card (Best for travel benefits)