Mumbai Metro SBI Credit Card Review

Mumbai Metro SBI Card is a very unique credit card, it is a co-branded credit card that you can use as a normal credit card as well as a metro card. The benefits offered by this card are a welcome benefit, reward points, fuel surcharge waiver, opportunity to get a waiver on the annual fee, auto top-up facility, and lots more. this card also offers some special features like balance transfer, Flexipay, add-on card, etc. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 21 to 60 yrs. 
    • Income: ₹25,000 monthly. 
  • For self-employed person:
    • Age: 21 to 65 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:

You will get ₹50 pre-loaded in your smart card account. 

If you can spend ₹2000 within the first 60 days of the card issuance you will get 2000 reward points. 

  • Reward benefit:

This card offers 10 reward points for each ₹100 transactions made on Grocery, Dining, Movies, and departmental stores. You can win up to 5000 reward points monthly.

You will also get 10 reward points for each ₹100 spent to top up your smart card. 

For ₹100 transactions on other categories, you will get 1 reward point.   

  • Fuel surcharge waiver:

This card offers a 1% waiver on fuel surcharge, this offer is applicable at any fuel stations in India. The transaction amount should be between ₹500 to ₹3,000. You can earn a maximum waiver of ₹100 per month. 

  • Annual fee waiver:

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

  • Auto top-up:

With this facility, your smart card will top up itself as soon as the balance goes below ₹50. 

  • Balance Transfer:

You can transfer the outstanding balances from your other credit card to your ‘Yatra 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. 

  • 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.


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount. 
  • Finance Charge: 3.50% monthly. 
  • Foreign currency transaction: 3.5% against the transacted amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

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

Mail: [email protected]

100xGain Ratings:


Final Opinion:

If you are a frequent traveler of the Mumbai metro, then this card will be beneficial for you. You can use this card as a regular credit card and as a metro card. This card offers 10 reward points on your transaction, fuel surcharge waiver, annual fee waiver, auto top-up, etc. You will also get some special benefits with this card like Flexipay, etc. So if you are a regular traveler of Mumbai Metro and if you want a credit card for your daily uses, then you can go for this card. 

But if you don’t travel with Mumbai metro and want a credit card that can earn you benefits on shopping, dining, and entertainment-related categories, then you can go for Axis Bank Neo Credit card, which offers some exclusive benefits on shopping and dining. and if you want to have free movie tickets then you can go for ICICI Coral American Express Credit Card

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