In today's blog will provide you the information about the Air India SBI Signature Credit Card, including its welcome benefit, Cashback rate, lounge benefits, and more.
The Etihad Guest SBI Premier Credit Card is a premium co-branded travel card offered by SBI Card in partnership with Etihad Airways. It's specially designed for frequent international travelers who prefer flying with Etihad. This card allows users to earn Etihad Guest Miles on every eligible spend, with accelerated rewards on Etihad Airways bookings. You also get a welcome bonus of up to 5,000 Etihad Guest Miles and milestone rewards based on your yearly spending.
Etihad Guest is the frequent flyer program of Etihad Airways, the national airline of the United Arab Emirates (UAE). It’s a loyalty rewards program that allows passengers to earn and redeem miles whenever they fly with Etihad or its partner airlines.
Apart from earning miles, the card also provides 8 complimentary international lounge visits per year through the Priority Pass program, making international travel more comfortable. For leisure and lifestyle, the card includes 1 complimentary golf lesson or round per month at select courses in India. The travel insurance coverage includes air accident insurance, loss of check-in baggage, and flight delay benefits, adding a layer of security for frequent flyers.
What Are The Welcome Benefits Of Having Etihad Guest SBI Premier Card?
Users will get 5000 Etihad guest miles and Etihad Guest Gold Tier status.
What Are The Milestone Benefits Of Having Etihad Guest SBI Premier Card?
Users will receive 1 companion voucher on their registered e-mail ID, within 30 days of achieving spending of INR 8,00,000. and 1,500 Etihad Guest miles on annual spends of INR 15 Lakhs.
What Is The Cashback Rate Of Etihad Guest SBI Premier Card?
Value of 1 point Rs. 0.25.
Users will get 6 Etihad guest miles for every INR 100 spent on Etihad.com. Effective cashback rate: 1.50%.
4 Etihad guest miles on every INR 100 spent on International spending. Effective cashback rate: 1%.
2 Etihad guest miles on every INR 100 spent on other spend. Effective cashback rate: 0.50%.
What Are The Pros And Cons Of Having Etihad Guest SBI Premier Card?
Pros:
Earn Miles on Every Spend– You earn Etihad Guest Miles on all your card spends, and more miles when you book Etihad flights.
Welcome Bonus– You get up to 5,000 free miles when you get the card and spend within the first 90 days.
Extra Miles on Big Spending– Spend INR 3 lakh or INR 5 lakh in a year and get bonus miles.
Free Airport Lounge Access (International)– You get 8 free international lounge visits per year through Priority Pass (2 per quarter).
Free Golf Game– Enjoy 1 free golf game or lesson every month at select golf courses in India.
Travel Insurance– Includes cover for lost bags, flight delays, and air accident insurance up to INR 50 lakh.
Affordable Fee for a Travel Card– Annual fee is INR 1,499, which is decent for the travel perks you get.
Cons:
No Movie or Cashback Offers– Doesn’t offer movie ticket deals, cashback, or lifestyle discounts.
Miles Only Work with Etihad– You can only use the miles for Etihad flights and partners, not for shopping or cashback.
High Foreign Usage Charge– Charges 3.5% extra on foreign currency transactions, which is a bit high for a travel card.
No Free Lounges in India– Lounge access is only for international airports, not domestic ones in India.
Visa Signature:
The Etihad Guest SBI Premier Credit Card runs on the Visa Signature platform, and there’s a good reason behind this choice. Visa Signature isn’t the top-most tier like Visa Infinite, but it’s far from basic. It’s positioned as a premium offering, one that gives access to lifestyle, travel, and protection benefits without the ultra-high requirements of the elite Infinite tier. That makes it a perfect fit for this co-branded card.
This card is targeted at frequent flyers, especially those who prefer Etihad Airways, and want travel benefits without necessarily being high-net-worth individuals. Visa Signature provides exactly the right mix: complimentary airport lounge access in India, concierge assistance, travel insurance, and added protection on purchases. It creates a good balance of premium features and accessibility.
From SBI Card’s perspective, choosing the Visa Signature tier helps keep costs in check while still offering solid value. It also ensures that users enjoy international acceptance and Visa’s strong backing for dispute resolution, offers, and customer service. Signature cards are also widely accepted across global merchants and travel portals, making them practical for international travelers, especially those who regularly fly to and from the Middle East or Europe with Etihad.
So, the reason behind using Visa Signature is simple: it’s not over-the-top, but it’s not ordinary. It aligns with the needs of frequent travelers who want meaningful benefits and a smooth experience, without having to go ultra-premium.
Fees And Charges:
Joining Fee: INR 4,999 + Taxes.
Annual Fee: INR 4,999 + Taxes.
Cash Withdrawal Fee (ATM): Cash Advance fees: 2.5% or Rs. 500
Late Payment Charges: 0 to 1300
Interest Rate (on unpaid amount): Interest Rate: Up to 3.50% per month (42% per annum).
Eligibility:
Age: You must be minimum 21 and maximum 70 years old.
Income: You must have a stable source of income.
Credit score: A good credit score is generally required.
Conclusion:
The Etihad Guest SBI Premier Credit Card is best suited for people who fly internationally, especially with Etihad Airways, and want to earn miles that can be used for free flight tickets, upgrades, or travel rewards. It offers a good mix of bonus miles, lounge access at international airports, travel insurance, and even free golf sessions, making it a strong choice for travellers who value comfort and rewards while flying.
However, this card may not be useful if you are looking for everyday savings like cashback, shopping discounts, or movie ticket offers. It also doesn’t provide domestic lounge access, and the foreign currency markup fee is higher than some other travel cards. Plus, your earned miles are limited to the Etihad Guest program, which means less flexibility compared to cards that offer points redeemable across travel portals, shopping, or statement credit.
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