Etihad Guest SBI Premier Credit Card, Rewards and Benefits, Joining Fees & amp; Charges, Apply Online

Etihad Guest SBI Premier Credit Card: In 2019, SBI forged a partnership with Etihad Airways, a renowned airline based in the UAE, to introduce two distinguished travel credit cards: the Etihad Guest SBI Credit Card and the Etihad Guest SBI Premier Card. While both cards cater to travelers, the Premier variant offers enhanced benefits and commands a higher annual fee.

At the time of their launch, the travel industry was experiencing robust growth in the country, with travel-related expenditures constituting a significant portion, approximately 33%, of the overall card spends within SBI’s credit card portfolio. This strategic move by SBI likely aimed to capitalize on the burgeoning travel market, leveraging the allure of travel-related perks and benefits.

Dubai, in particular, emerged as a favored destination among Indian travelers, owing to its sizable NRI diaspora and the frequent business trips undertaken by Indian HNIs (high net-worth individuals). The Etihad Guest SBI Premier Card emerged as a compelling choice for discerning travelers, offering the opportunity to earn Etihad Airways AirMiles, known as Etihad Guest Miles, for every Rs. 100 spent using the card. The accumulation of AirMiles varies based on the category of expenditure, allowing cardholders to accrue rewards tailored to their spending habits.

Moreover, the Premier card extends a host of welcome benefits and milestone advantages, enhancing the travel experience for cardholders. From exclusive travel-related perks to milestone rewards, the Premier card presents a comprehensive package designed to cater to the needs and preferences of avid travelers.

Rewards and Benefits

• Rewarding Miles Program:-Earning Etihad Guest Miles is effortless with our rewards program. Earn 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, 4 Etihad Guest Miles for every Rs. 100 spent on international purchases, and 2 Etihad Guest Miles for all other transactions (excluding fuel purchases). With a maximum annual earning limit of 40,000 Miles, the possibilities for redemption are endless.
• Versatile Redemption Options:- Redeem your Etihad Guest Miles for a range of rewards, including flights, hotel stays, car rentals, and merchandise from our esteemed travel partners. Additionally, utilize your Miles to offset purchases made with the credit card, offering you unparalleled flexibility and value.
• Exclusive Travel Privileges:- Elevate your travel experience with a myriad of exclusive benefits. Enjoy complimentary Etihad Gold Tier status upon enrollment, along with 5,000 Etihad Guest Miles as a generous welcome bonus. Benefit from complimentary domestic and international lounge access, ensuring that every journey is met with unparalleled comfort and relaxation. Receive up to 10% discount on direct bookings with Etihad Airways, as well as on travel rewards and miles redemption, further enhancing the value of your travels. Earn 1,500 Etihad Guest Miles for every spend of Rs. 1,50,000 in a calendar quarter, and receive an Etihad Companion Voucher upon reaching an annual expenditure of Rs. 8,00,000, allowing you to share the luxury of travel with a companion.
• Exceptional Lounge Access:- Enjoy access to exclusive lounges worldwide with 8 complimentary domestic lounge visits each year and 4 complimentary lounge visits outside India through Priority Pass membership. Experience the epitome of luxury and hospitality as you unwind in style before your journey.
• Comprehensive Insurance Coverage:- Travel with peace of mind knowing that you are protected by comprehensive insurance benefits. Benefit from overseas air accident cover worth Rs. 50 lakh, fraud liability cover worth Rs. 1 lakh, and an allowance of USD 1,000 in case of loss of baggage.
• Zero Liability Protection:- Rest assured knowing that you are safeguarded against unauthorized transactions with our fraud liability cover of Rs. 1 lakh. With coverage applicable 48 hours prior to reporting and 7 days post-reporting the loss of the card, your financial security is our top priority.

Fees & Charges

• Annual Fee Waiver:- Experience the ultimate in luxury with next year’s annual membership fee waived upon reaching a minimum expenditure of Rs. 5,00,000 in a year. This exclusive benefit rewards your loyalty and ensures that your membership remains effortlessly rewarding.
• Reward Redemption:- Enjoy the freedom of redeeming your rewards without any redemption fees. Whether you’re booking flights, hotels, or indulging in shopping, your rewards are yours to enjoy, without any additional costs.
• Foreign Currency Transactions:-Travel the world with confidence, knowing that your foreign currency transactions are subject to a nominal markup of 3.5%, plus applicable taxes. With transparent and competitive rates, your international purchases remain affordable and accessible.
• Competitive Interest Rates:- Benefit from competitive interest rates of just 3.5% per month (42% per annum), ensuring that you can manage your finances responsibly while enjoying the privileges of your card.
• Fuel Surcharge Waiver:- Enjoy the convenience of fueling up without the burden of additional charges. With a 1% fuel surcharge waiver at all fuel stations across India for transactions between Rs. 500 and Rs. 4,000 (capped at Rs. 250 per statement cycle), you can save more on every journey.
• Cash Advance Convenience:- Access cash when you need it with ease, knowing that cash advance charges are transparent and reasonable. With a nominal fee of 2.5% of the withdrawn amount (subject to a minimum charge of Rs. 500), you can manage your finances efficiently, even in times of need.
• Complimentary Add-On Card:- Share the benefits of your Etihad Guest SBI Credit Card with your loved ones without any additional fees. With a complimentary add-on card, you can extend the perks and privileges to your family members, making every experience more memorable.

Product Details

• SBI Credit Card, a premier offering tailored for discerning travelers. Upon activation, embrace a world of exclusive welcome benefits, including 5,000 Etihad Guest Miles, 2 complimentary Wifi vouchers on your first Etihad Airways booking using the card, and complimentary Etihad Guest Gold Tier Status after your first card transaction.
• Experience unparalleled rewards with every transaction. Earn 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, ensuring that your travel expenditures are rewarded generously. For international spends, enjoy 4 Etihad Guest Miles for every Rs. 100 transacted, while all other expenditures (excluding fuel purchases) earn you 2 Etihad Guest Miles per Rs. 100 spent.
• Maximize your savings and enjoy up to a 10% discount on direct Etihad Airways bookings, as well as on travel rewards and miles redemption, adding value to every aspect of your travel experience.
• Reach new milestones and unlock additional rewards. Earn 1,500 Etihad Guest Miles on spends of Rs. 1,50,000 in a calendar quarter, while an annual expenditure of Rs. 8,00,000 rewards you with an Etihad Companion Voucher.
• Experience the convenience of international lounge visits with Priority Pass and domestic lounge access with the Visa Lounge Program, ensuring that your travel is accompanied by comfort and luxury at every turn.
• Plus, enjoy the added benefit of a 1% fuel surcharge waiver, further enhancing your savings on fuel expenditures.

Etihad Guest SBI Premier Card Features And Benefits

Etihad Guest SBI Premier Card: Elevate Your Travel Experience.Prepare to embark on a journey of luxury and exclusivity with the Etihad Guest SBI Premier Card. Crafted in partnership with Etihad Airways, this card offers a wealth of exclusive privileges and benefits that redefine the travel experience. From bonus miles to complimentary lounge access, each feature is meticulously designed to cater to the needs of discerning travelers.

Welcome Benefits:

Kickstart your journey with a generous welcome package, including 5,000 Etihad Guest Miles credited within 15 days of annual fee payment. Additionally, enjoy complimentary Etihad Guest Gold tier status post your first transaction with the card, granting you access to a world of premium perks and privileges. As an added bonus, receive 2 free wifi vouchers to stay connected on your travels, sent to you via email within 15 days of your first Etihad Airways flight booking.

Milestone Benefits:

As you continue to explore the world, unlock exciting milestone benefits. Earn 1,500 Etihad Guest Miles on spending Rs. 1,50,000 in a calendar quarter, allowing you to accelerate your rewards earnings. Plus, receive a Companion Voucher within 15 days of achieving annual spends of Rs. 8,00,000, extending the luxury of travel to your companion. What’s more, enjoy a waiver of the membership renewal fee if Rs. 5,00,000 or more were spent using the card in the preceding year, ensuring that your membership remains effortlessly rewarding.

Travel Benefits:

Experience the epitome of luxury with complimentary Etihad Guest Gold tier status and 5,000 Etihad Miles as a welcome gift, setting the stage for unforgettable adventures. Earn 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com and 4 Etihad Guest Miles for every Rs. 100 spent on all international transactions, maximizing your rewards potential. Enjoy 8 complimentary domestic lounge access annually under the Visa Lounge Program, providing a tranquil retreat before your journey begins. Additionally, gain access to over 1,000 international lounges with Priority Pass membership, offering 4 complimentary visits every year outside India. Benefit from exclusive discounts on business and economy class tickets booked directly on the Etihad Airways portal, ensuring that every journey is met with unparalleled comfort and savings.

Fuel Surcharge Waiver:

Enjoy the convenience of fueling up without the burden of additional charges. With a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, subject to a maximum cap of Rs. 250 per statement cycle, you can save more on every journey.

Insurance Benefits:

Travel with peace of mind knowing that you are protected by comprehensive insurance coverage. Benefit from insurance cover of Rs. 50 lakh on air accidents during international flights, an allowance of USD 1,000 in case of loss of baggage, and fraud liability cover of Rs. 1 lakh, ensuring that your travels are safeguarded against unforeseen circumstances.

Etihad Guest SBI Premier Card Rewards:

• Earn 6 Etihad Guest Miles for every Rs. 100 spent on Etihad.com, ensuring that every purchase brings you closer to your next adventure. For all international expenditures, enjoy 4 Etihad Guest Miles for every Rs. 100 spent, while all other spends (excluding fuel purchases) earn you 2 Etihad Guest Miles per Rs. 100. With a maximum accrual of 40,000 Miles per year, the possibilities for rewards are endless.
• Enjoy the luxury of exclusive discounts when booking directly with Etihad Airways. Receive a 10% discount on business class tickets and a 3% discount on economy class tickets for one-way and return journeys originating from select cities across India. Whether you’re traveling for business or leisure, these discounts ensure that you can enjoy premium travel at unbeatable prices.
• Maximize your rewards potential with up to 10% discount on reward miles redemption. Whether you’re redeeming miles for flight tickets, hotel reservations, or car rentals, enjoy savings on every redemption, allowing you to make the most of your rewards.
• Redeem your Etihad Guest Miles with ease on etihadguest.com for a variety of travel and lifestyle rewards. From flight tickets to hotel reservations and car rentals, the redemption options are endless. Plus, enjoy the flexibility of redeeming your miles with participating travel partners, ensuring that you can tailor your rewards to suit your preferences.
• With no limit to the number of Miles that can be redeemed on etihadguest.com or through participating travel partners, you have the freedom to indulge in the rewards you desire. Whether you’re planning a luxurious getaway or simply treating yourself to a well-deserved upgrade, the possibilities are limitless.

Etihad Guest SBI Premier Card Fees & Charges

Before applying for any credit card, it’s crucial to thoroughly understand its terms, conditions, and associated fees. Here are the key charges of the Etihad Guest SBI Premier Card:

Annual Fee: The Etihad Guest SBI Premier Card carries an annual fee of Rs. 4,999. However, this fee can be waived if you spend Rs. 5 lakh or more in the preceding year, making it a rewarding option for frequent spenders.

Interest Rates: Finance charges on this card are set at 3.5% per month, equivalent to 42% annually. It’s important to be mindful of these rates to manage your finances responsibly.

Cash Advance Fee: When you withdraw cash using your Etihad Guest SBI Premier Card, a fee of 2.5% of the withdrawn amount or Rs. 500, whichever is higher, is applicable. It’s advisable to avoid cash advances whenever possible due to the associated charges.

Foreign Currency Markup: For transactions made in foreign currency, the card imposes a markup fee of 3.5% of the transaction amount. This fee can add up quickly, so it’s essential to factor it into your budget when making international purchases.

Etihad Guest SBI Premier Card Eligibility:

While SBI does not provide explicit eligibility criteria for the Etihad Guest SBI Premier credit card, they offer a tool called Simplyfier to help applicants find a suitable SBI credit card. However, certain general criteria may increase your chances of approval for the Premier card:

• For salaried employees, the age range typically falls between 18 years and 65 years. Meanwhile, self-employed individuals should ideally be aged between 21 years and 60 years.
• Having a stable source of income is essential to demonstrate your ability to repay the credit card dues.
• A good credit score is often a crucial factor in the approval process. While SBI may not specify a minimum credit score requirement, a higher credit score increases the likelihood of approval for premium credit cards like the Etihad Guest SBI Premier.

Documents Required

The application process for the Etihad Guest SBI Premier Credit Card typically requires the submission of specific documents to support your application. Here are the documents commonly requested:

How to apply for Etihad Guest SBI Premier Credit Card:

Applying for the Etihad Guest SBI Premier Credit Card is a seamless process, primarily conducted online. Here’s a step-by-step guide to help you navigate through the application process:

1. Online Application:

• Begin by clicking on the “Apply Now” button.
• From the list of available cards, select the Etihad Guest Premier card.
• Fill in the required details accurately and submit your application.

Alternatively, you can apply via other channels:

2. Helpline or Branch Visit:

• Dial SBI’s helpline at 39020202 (prefix STD code) for assistance with your application.
• Visit your nearest SBI branch and submit your application to the bank officials offline.

Checking Application Status:

After applying for the Etihad SBI Premier Card, you can track the status of your application:

• Visit the SBI Card official website and navigate to ‘Credit Cards.’
• Select the ‘Track Application’ option.
• Enter your application number and other required details to proceed.
• Alternatively, you can contact customer care or visit the nearest SBI branch for updates on your application status.

Activation & PIN Generation:

Once your card is approved, you’ll need to activate it and generate a PIN:

• Visit a nearby SBI ATM and select ‘credit card PIN generation’ from the main menu.
• Alternatively, log in to your internet banking account or the SBI Card mobile app to generate the PIN.
• You can also contact SBI Card customer care for assistance with PIN generation.

Credit Limit:

The credit limit for the Etihad SBI Premier Card varies based on your credit history and payment behavior:

• Customers with excellent credit scores typically receive higher credit limits.
• You can request a credit limit increase through customer care or by visiting an SBI branch.

Bill Payment:

Maintaining timely credit card bill payments is crucial:

• Use internet banking, the SBI Yono app, or NEFT for convenient bill payments.
• Alternatively, visit an ATM or SBI branch to settle your bill offline.

Login/Internet Banking:

To register your Etihad Guest SBI Premier Credit Card:

• Visit the SBI Card website and click on ‘New User? Register Now.’
• Enter your card details and complete the verification process.
• Follow the prompts to set up your online account.

Customer Care:

For any assistance or queries related to your Etihad Guest SBI Premier Credit Card:

• Contact SBI’s 24×7 customer care at 1800 180 1290 or 1860 180 1290.
• You can also block your card by sending an SMS with the required details to 5676791.

Applying for and managing your Etihad Guest SBI Premier Credit Card is now easier than ever, with multiple channels available for your convenience.

Cards Similar To The Etihad Guest SBI Card Premier

In the realm of premium travel credit cards, the Etihad Guest SBI Premier Card stands out as a top-tier offering from SBI. Boasting an array of exclusive benefits tailored for frequent travelers, this card is particularly appealing to individuals seeking luxury and convenience in their journeys.

With enticing perks such as a 10% discount on business class tickets and complimentary international lounge access (albeit with limitations), the Etihad Guest SBI Premier Card caters to the needs of discerning travelers, especially those with high net worth. The allure of these privileges, combined with the prestige of the Etihad brand, makes this card a coveted choice for jet-setters looking to elevate their travel experiences.

Moreover, the card rewards users generously with Etihad Miles, offering 6 Miles for every Rs. 100 spent on Etihad.com and 4 Miles for every Rs. 100 spent on international transactions. This rewards structure ensures that every travel-related expense contributes significantly to accumulating Miles, which can be redeemed for a variety of travel and lifestyle rewards.

Despite its premium status, the Etihad Guest SBI Premier Card maintains a reasonable annual fee of Rs. 4,999. While this fee may seem steep to some, the plethora of benefits and rewards offered by the card more than justifies the investment, particularly for frequent travelers, especially those with a penchant for exploring destinations in the Middle East, such as Dubai.

In conclusion, the Etihad Guest SBI Premier Card presents itself as a compelling option for individuals seeking unparalleled luxury and value in their travel credit card. With its blend of exclusive privileges, generous rewards, and prestigious brand affiliation, this card embodies the epitome of premium travel experiences, making it a worthy companion for the discerning traveler.