My SBI Signature Credit Card Review

By | May 23, 2019

Update: This card no longer issued by SBI, it has been changed to SBI Card Elite and here are the changes

I’ve been recently checking out as many credit cards as possible and had always ignored SBI as their high end cards has joining fees. Finally i got right time to grab one as i plan to shop at Jabong and its good to see that SBI issue Jabong gift cards as a welcome gift if you sign up for Visa Signature Credit card. You can select e- Gift Voucher worth Rs. 5,000 from any of the following brands: Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop

Joining Fee/Annual Fee of the card: Rs.4999 + S.Tax = Rs. 5,725

SBI Signature Credit Card Application Process:

It took nearly 20 Days to receive my card after applying. It was pretty long, but worth the wait. The courier comes with a pretty big box that includes the card and all other catalogs. To my surprise, they kept the card inside a nice personalized credit card holder with my name on it. It was simply awesome with a bit of personal touch. And now it became my fav card holder to store other premium cards. Here are some snaps 🙂


Personalized Card Holder from SBI


SBI Visa signature Credit Card

They charged my joining fee on first month statement and its sad that they will issue Gift voucher only after 28 days of payment and they will take another 15 days to deliver the voucher. Typically it takes almost 2 months for you to have hands on the gift vouchers from the date of applying the card. That’s way too long.

SBIcard Customer Service Review:

Except these long delays of card issuance and welcome gift issuance, i’m just amazed at how professional and neat rest of their process is. Once i received the card, card activation, pin activation and rest of the stuffs were just breeze. They have very good net-banking user interface unlike SBI bank. (note that sbicard & sbi bank are completely different wings)


Sbi Cards Net banking

Customer service experience is equally good. If you need to talk to customer care, all you need to do is drop a message and you get a call within 24 hrs. Infact they called me within 12 hrs when i raised a request. Loved the speed.

Signature Rewards

One of the major reason for me to go with SBI Signature card is that due to its generous bonus reward points apart from the regular rewards you earn. Here are the highlights

  • 1 Reward Point = 0.25 INR
  • Regular RP Earn Rate: 2 reward points per Rs.100 spent (0.5% in value)
  • Accelerated Earn Rate: 10 reward points per Rs.100 spent (2.5% in value)
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 2 lakhs, 3 lakhs and 4 lakhs
  • Earn 20,000 bonus Reward Points on crossing annual spends of Rs. 5 lakhs

So if you’re a person who spend a lot on card, this should be in your wallet. Here’s why: If you spend 5 Lakhs, you get 10,000 RP(regular) + 50,000 RP (total annual spend bonus) = 60,000 RP = 15,000 INR (3% savings in value)

This beats hdfc regalia by 1% in savings which is one of my most favorite card for quite a time. The best part is that i can convert RP to cash credit against my statement. There are hardly few cards in India that has such cash redemption options.

Complimentary Movie Tickets

Another excellent offer here is that you are eligible for complimentary movie tickets worth Rs.500. Unlike other bookmyshow buy1get1 offer, this is little different.

If customer buys 2 tickets and each tickets is for Rs 300. Total transaction value will be Rs. 600. Discount amount will be Rs 500 ( as discount on each ticket is Rs 250). Customer will pay only Rs 100. This is an unbelievably awesome offer and you can save Rs.6000 with movie tickets Every year.

However, i have no idea how many overall quota they have per day for this offer. I’ll update here if i happen to face any issues with it.

Features of SBI Visa Signature Credit Card:

  • CardExpert Rating: 4.5/5 [yasr_overall_rating]
  • Reward rate: ~0.5%  normally, upto ~3% on accelerated rewards
  • Accelerated Rewards: You can earn 5X Reward points on Dining, Departmental stores, Grocery and International spends.
  • Complementary Airport lounge access: Yes, through Visa Signature Lounge Access program. Also you get complimentary membership for Priority Pass, but no free access allowed via Priority Pass card.
  • Fuel Surcharge Waiver: Enjoy 0% surcharge (Minimum transaction of INR 500. Maximum waiver of INR 250 per statement cycle)
  • Foreign Exchange Markup fee: 3.5% + Service Tax
  • Special Features: Complimentary movie tickets, Accelerated rewards feature.
  • Personal Concierge Service: Global Concierge Assistance for all your travel & other needs. Its kind of virtual assistant service over phone.

Final Words on SBI Signature Credit card:

I’m more than happy to see SBI with such wonderful offers around. SBIcard appears to have one of most talented team with latest technology in place. Right from their website design to card usage, they’re one of the best in the industry i’ve seen so far.

As far as signature card is concerned, its a great money saver if you spend anywhere between 5L-6L per annum, above or below than that won’t give you an effective utilization of the card benefits. Hope the review helps you save a lot in 2016 🙂

Do you hold SBI Signature Card or planning to get one? Drop your comments below!

139 thoughts on “My SBI Signature Credit Card Review

  1. Ashu

    Hi Siddharth,

    Thanks for one more grate review. Looking forward to more reviews from your side on Citibank, SCB and HSBC Cards. I am personally accumulated many cards over the year.

    I am having one query like, SBI Signature card is good for who are spending more than 5L in a year, but need to know will that much spend will bring the attention from IT department?

    Also I was reading on internet regarding Manufactured spend, maybe in upcoming posts you would to put one article on the same.


    1. Siddharth Post author

      As far as i know, 3-4 Lakhs is the safe limit (not declared anywhere though), anything above than that might put you on IT radar. However, if you have income source and if you’re a regular tax payer, it doesn’t matter how much ever you spend.

      Reg. Manufactured spending, you can just put your funds on Paytm/Payzapp kinda wallets or get a gift card. If you do have good contacts, pay all their bills using the wallets and get the cash 🙂

      1. Shirish Parekh

        Dear Siddarth very good analysis on cards and it’s very useful for us. I have applied for SBI Signature card today. One thing i want to clear thay counsel me that Airport lounge excess and services are free where you are telling excess only free not services (food). Please guide us.

        1. Siddharth Post author

          There are 2 types of access,
          1. With Priority Pass, you get only membership, visits are still chargeable with this card.
          2. Under Visa Signature program, you have 2 free access/quarter

          1. Dr.Afsal

            Hi Siddharth,
            i am using SBI signature contactless card for a while now, and enjoyed lounge access once at chennai airport. I would like to know that is this visa program of 2 free access per quarter is there every year, or is it just for the first year of card issue. Please advice regarding this. Thank you

          2. Siddharth Post author

            Hi Afsal,
            Its Visa Signature card privilege. You get 2 free access per quarter as long as you hold it and as long as the lounge program is live 🙂

  2. Ashu

    Yes eaxctly, now a days we have wallets, in which we can load the money using credit card move those to bank account. But I am wondering will it consider as additional income?

    1. Siddharth Post author

      Few thousands wouldn’t be a problem. But not suggested in higher numbers. Some wallets charge % on transfer too & there are other monthly usage limits as well.

  3. Yashraj

    Do you know of any other credit cards which offer bonus reward points on annual spends across all categories like the SBI Air India card?

    1. Siddharth Post author

      SBI Platinum too gives some spend bonus as gift vouchers.

      1. Yashraj

        I already have sbi air India signature. Need another bank credit that offers bonus points on spends. Any recommendations?

  4. Vinod Kannan

    I’m very near to the 500000 spending threshold on my sbi signature card . Regarding tax problems , if u are self employed , u pay taxes after all ur spending deductions. So all those amount spent for business purpose are exempted from tax . So , no need to worry when u exceed 5L per year. In fact it took me only 6 months to reach that limit. If ur sends exceed 5L in a year , banks will inform the IT Department regarding the same . However it won’t be a problem if u r self employed n r paying income tax



    Dear Friends while you are applying for SBI SIGNATURE CARD, Please do investigate the “5000 Rupees WELCOME GIFT” policy thoroughly. First understand that they don’t give you welcome gift for free – The Card Fee is INR 5000+Taxes which turns out to be INR.5700/- It’s been a month I paid my Annual Card Fee and my first bill and still they have not delivered my INR 5000 Welcome Voucher. Made a hell lot of effort with the customer care – Still no results. They Customer care will take 12 days to process your complain and after that they wont deliver you any satisfactory. I want to share with you when it comes to SBI Customer Care – You will be really dealing with the most unfriendly Customer Team. In nutshell I want to say Don’t Go for SBI CARD. The WORST CARD and WORST SERVICE EVER. The entire policy they have is Anti-Consumer.

    1. Siddharth Post author

      True, Joining fee is already mentioned on website. And yes, as i mentioned in the article, it takes close to 2 months to have hands on the welcome gift.
      If i happen to experience any delays, i’ll also keep the thread updated about the same.

  6. Kiran

    As annual fee is 5000 per year, do we get gift voucher every year? Or only welcome gift is for first year?

    1. Siddharth Post author

      Should be every year. That’s how most banks do. Still, do confirm with customer care.

      1. Chandan

        Gift voucher is definitely given on time only – for the 1st year.

        1. Siddharth Post author

          Thanks for Letting me know. Will update the post accordingly.

  7. Prashant sharma

    Hi Siddharth,

    I have a query. How the accelerated reward points work? I mean SBI signature card says you get 5x RP for spends on Grocery, departmental store, and dinning. Doest it also include loading e-cash wallet on merchants like Paytm? Doest it includes shopping through Flipkart, Amazone, Grofers, or big bazar/easy day?


    1. Siddharth Post author


      No, most of these are “online shopping” category for which SBI doesn’t have any great 5X RP offers.
      You can still avail big bonus milestones no matter where you spend. That’s the specialty of the card.

    2. Nakul

      Hi prashant,
      Every merchant has a specific category declared when they apply for a card swiping machine. So, whenever u swipe your card at a merchant, the bank knows the type of merchant. E.g. If you are buying some electronics at a departmental store like big bazaar it will be treated as departmental spend. That’s how you can play around with such cards.
      Overall this is the best card I’ve used as of now even if u spend around 2-3 lacs.

  8. Sandeep

    Is there a quota for movie tickets or can it be used anytime during the day?

    1. Siddharth Post author

      It can be used anytime during the day. I’ve used it couple of times and never had any issues with it.

  9. dr ray

    Do you know Which bank has most lenient income eligibility condition for visa signature credit card? I made a quick ( did not browse all the sites ) and random search and found out that union bank offers this card to anyone with an income of 5 LPA.

    Any bank which offers visa signature credit card to ( first preference ) 2.5 LPA or 2.5 to less than 5 LPA income holders?

    1. Siddharth Post author

      HDFC issues cards without any strict eligibility for savings a/c holders. For Signature card, you must have some decent balance in the a/c.

      1. Ray Rajat Nath

        I think most banks go by the cibil score of the applicant and ITR. Though ITR was never asked from me but then they take your PAN. Besides if you are regular in payment of your outstanding the Bank is likely to offer a better card and higher limit.

  10. jitendra

    if points can be redeemed against card statement?

    further if international spends are charged extra?

    1. Siddharth Post author

      1. Yes, you can redeem points for cash credit.
      2. Markup fees applicable, you also get bonus points for Intl spends on this card.

  11. Dipanshu

    My annual spend is around 4-5 lakhs I searched a lot of cards and wanted to know which one is more better SBI SIGNATURE VS HDFC DINERS REWARDZ BS HDFC ALL MILE please help me as I want to immediately apply for one of them I asked the team and found out that I was eligible for all of these help me in deciding

    1. Siddharth Post author

      Diners Rewardz(10X rewards) & SBI signature(Upto 5L spends) both would help.

  12. Avanish Dwivedi

    Dear All,

    I am using this card as updated from gild card. Will share my experience when get 1st bill..
    I received the box but not the personalized holder.. Hope Siddhartha has some good previous relation ship with SBI

    I crossed 1.50 lakh in 3 months , let see how they treat when I get my first bill.

    Is this card protected from fraud cover??

    The and enjoy your card…

    1. Siddharth Post author

      I was new to SBI cards too. Not sure how i got the engraved holder. Maybe they ran out of stocks 😀
      You have to call and block card in-case you miss it. You can also dispute transactions if not done by you.
      Its common with almost every credit card.

  13. sudhir sole

    i am travelling to Boston ( from mumbai) via Amsterdam on 25th July and will be returning by same route by end August. can i use airport lounge facility at mumbai and Amsterdam. do i have to book in advance?

    1. Siddharth Post author

      You can access at Mumbai with this card. But for International access you need Priority Pass card. Suggest you for Regalia in such requirement.

  14. deepak

    If we spent in departmental store like D- mart,More how much reward point will added in every 100 rupees

    1. Siddharth Post author

      Technically you should get 5X rewards for these, but do check with bank if they support these stores under the Dep. stores category.

  15. Harish

    Hi, came across your site today and have read almost all CC articles. Appreciate all the reviews and research you have shared here. Thanks.

    This SBI Signature CC Review has prompted me to give it a go. But a couple of hiccups. Firstly, the joining fee can be null as there’s 5000 worth gift voucher. But this is just for the first year and nordoes it provide and renewal fee waiver option by spending certain amount. As given in certain other bank cards.
    Secondly, no complimentary lounge access. Just free membership.

    I already have the HDFC Regalia card and is pretty good with no renewal fee and lounge access,etc.

    Does it make sense to even look at his SBI signature card? Or should just wait for the Diner card or Infinia Card.


    1. Siddharth Post author

      Its worth to take SBI for first year. Try asking for renewal charge waiver after good usage. If done your luck, else close it 🙂

      1. Harish

        I wonder if using different cards and cancelling after an year effect our credit history? Or any negatives of doing it?

        1. Siddharth Post author

          1 yr of regular & minimal usage will help your score to gain. No negatives in it.

  16. Satish

    I have SBI signature card.
    Airport lounge excess is only for card holder ? or family members (wife & children’s) are also allowed access free?
    Add-on card is allowed for Airport lounge excess ?

    1. Siddharth Post author

      Only for primary card holder.

      1. Arjun

        I Spoke to customer executives. One said access is allowed to primary and add on both, another executive told not allowed. I launched the complaint for wrong info.
        Further one of my senior is also having add-on and his son use the lounge access and there are no charges.
        Still not sure , I am fed up with SBI Signature customer care service. They are not transparent in resolving the query. Suddenly you will get message or e-mail in Inbox (Card log in) that it is resolved but what happened who knows ???
        Further their respond to query is pathetic and take 15 days longer time which is really so slow in the world of Mangal Yaan.

        Further I would say that If you use a single card SBI Signature then it is beneficial, else it is not as good as others.

        I have using since last 4 years and going to close this time.

  17. Gagan

    thanks for the review. Any idea what is there is Rs 5000/- gift voucher?

    1. Siddharth Post author

      I took Jabong voucher, they have vouchers with few other brands too.

  18. Rishabh Agarwal

    Hi Sid,

    Do they include walmart india in the 5x reward point scheme?

    1. Siddharth Post author

      No idea Rishabh. Send them a message as PROBLEM to 9212500888
      They’ll call you and you can ask all doubts 🙂

  19. Sai krishna

    Which card to apply among regalia cards… Visa signature, world master… I usuallydonot spend much, < 3l in an yr.. Donot fly much… Mostly use for movies and dining…

    1. Siddharth Post author

      Regalia Visa should be good in this case. Visa Sign has weekend movie offers.

  20. Srinivas

    Hi- Where to send sms for the option A to E in welcome gift voucher sent by SBI Card. I lost that sms where they mentioned where to send the option

    1. Siddharth Post author

      A call to customer care would do.

    2. Prav

      Hello, even i have this query. Did yhis problem got resolved, can you please tell me the SEND number?

  21. Apoorva

    How do we avail the welcome gift voucher?

    1. Siddharth Post author

      Contact Customer care, you need to wait for sometime after getting the card.

  22. Shobhit

    Hi Sid, one query , I’m new to Credit Card usage – wanted to know that if I pay my bill on time , am I charged for anything other than the exact amount that Ive spent ? ( Like Taxes, service charge , any other fee ?)

    1. Siddharth Post author

      You don’t need to pay any extra fees as long as u pay bills on time.

  23. Souvik Roy

    Hi, can you tell me if SBI would issue a signature credit card against FD? If yes then how much do I have to deposit?

    1. Siddharth Post author

      Yes, they do. 1.25L minimum on FD, which will give you 1L limit.

  24. Ajay

    What if I make transaction worth 5Lac+ in first month itself. Will I get only 20,000 points or 50,000 points ?

    1. Siddharth Post author

      You’ll get all points. 50k.

  25. Sajid

    Hi Sid,
    Could you please suggest CC which do not have annual charge except one time
    (first time) and give any discount or point on movies.

    1. Siddharth Post author

      Most HDFC Cards these days are given as lifetime free.

  26. Chetan

    Hi Siddarth.
    Due to my best track record, Sbi offering me This Visa signature upfront. Almost 2-3 calls in a week. My doubt is after acceptance will they enhance my credit limit? Coz in past I have observed that even though customer has good track records paying bill well in time SBI has almost equal to zero pre approved offers for credit enhancement.
    My experience with customer care is not that good, even their call center number is also charging.
    So is it worth to opt?

    1. Siddharth Post author

      You can increase credit limit every 6 months using your IT or Pay slip, provided there is good usage too.
      You can always send an sms and make them call you instead 😉

    2. Abdul


      I sm using SBI gold CC , Duo to my best track record , they offer me SBI signature Card , suggest me I go signiture card, how much to spend amount , I will be get waiver annual fee , already this year waiver gold card annual fee, by the way suggest me I go for SBI singniture card , otherwise countiune gold card . Please realt me

  27. Chetan

    Also siddarth, i have question like is it very difficult to get Visa signature card, when applied normally?

    1. Siddharth Post author

      It highly depends on salary/income. Its not that tough as per my experience.

  28. Asif

    Dear Siddharth
    Thanks for writing such a wonderful article
    I am holding an SBI platinum card from last 6 months and with this rate I think annual spend will be around 2.5 lakhs . They have given me a limit of only 45000 rs, how to increase it , and will it worth to upgrade it to SBI signature card because movie tickets looks attractive one. And if then how to upgrade it to SBI signature.

    Thanks in advance

    1. Siddharth Post author

      After 6 months, you can try for Upgrade with new IT Docs. Yes, Movie Vouchers are very useful in Signature variant.

  29. Asif

    And does any bank issue credit card to NRE without making and FD

  30. ravish

    i have few cards how can i get limit of 500000 on of the cards with income tax of 6lacs plus

  31. Suresh

    I got my sbi signature card approved and I receive a call from. Some fraud protection company. They inform me that my credit card application is approved and that I will receive shortly. They say that they have tie up with sbi card and they want to explain the benefits (they made it sound like they are offering a service for which the bank has tie up.) the person calling did not revels that it is a chargeable service. It means that sbi card is selling its customers data as soon as the card is approved. It is very unprofessional. U got this call as soon as the card is dispatched at Gurgaon.. I am very unhappy with this. And if this is how it works pretty scared with having the sbi card with me.

    1. Siddharth Post author

      Almost all card companies do this. Experiences same with HDFC even.

  32. Sreehari K T

    I guess they have stopped providing this card. I tried to apply in sbi site it got redirected. Called Bankbazaar, they said they are providing elite card Master Card

    1. Vishal

      Hi Sreehari,

      Even I wanted to get this card but SBI exe. said Signature card is discontinued & insted Elite is the alternative.

    2. Duane

      It’s being given still. Selectively. Got mine approved today.

  33. Ankit Srivastava

    Thanks Siddharth for the review. I got approached by an SBI agent today who told me about the card, and i was doing some online research when i came across your review. Now I am tempted to go for the SBI credit card reviewed here. However, given that i already have
    1. HDFC Regalia Visa Credit card
    2. HDFC Jet co-branded Mastercard Debit card

    should i go for the Visa version or the Mastercard version of SBI credit card? Also, given the benefits of both HDFC and SBI, what would be an optimal split of usage / expenses between the two cards?

    1. Siddharth Post author

      Spend upto 5L on Visa Signature, then rest on regalia.

  34. KK

    How does one apply for this card? On or via referral? Is it mandatory to open an FD with SBI to get this card? Does having a homeloan with SBI help?

    1. Siddharth Post author

      FD not mandatory. As mentioned by other users, looks like SBI is no longer issuing this card, instead issuing “SBI Elite card”.

      1. KK

        Thanks for your reply. I am still clueless about the procedure for applying for either Signature or Elite cards. I am not sure applying it online is a good idea.

        1. Siddharth Post author

          No more signature cards issued these days. So Elite is the only option.

  35. Obul

    Nice thread!

    I’m confused of rewards points, Sbi agent on call said 10RP for every 100Rs spent, when googled it it’s shows 2RP/100Rs, I called up Sbi and asked for clarification in this even they said its 2RP,

    My card upgraded to SBI simply save to SBI SIGNATURE.

    Plz lemme know about rewards points.

    Even you mentioned regular & accelerated rewards points, what’s the difference between these two???

  36. Dr Avinash Kumar

    I agree with some of the writers that sbi card customer care department is rather unfriendly. I had uploaded my KYC form and documents but they did not get them. I posted six times. Then they said the email address i was sending to was wrong but it was exactly the same as written in KYC form but they had not revised it. Then I sent by courier and still they said they did not get it. Finally I gave up.


    regarding welcome gift can I purchase the items online as my options among
    1-Yatra ,2- Bata/Hush Puppies I don’t want
    3-•Marks & Spencers,4- •Westside 5- •Shopper’s Stop stores are not available in my city
    please advice

    1. Siddharth Post author

      Unsure about recent changes, when i signed up, i was given Jabong voucher as option and hence opted for it.
      Yatra/Marks & Spencers is a good option too.

  38. prakash. n

    i have a salary of 48000, ( take home) 50000-2000 , i am working since nine months and my present salary is since april
    can i get a signature card frrom sbi ??

    1. Siddharth Post author

      They’re now issuing Elite card only. Yes, you can certainly get it.

      1. prakash.n

        and another q
        how do they decide limit if i have not yet filed any itr ? any idea on how much limit will i be able to get ?

        1. Siddharth Post author

          For any credit limit enhancement, they’ll ask for ITR, without which you can’t increase the limit.

  39. Ani

    Hi Sidharth, it’s brilliant review, I was not using credit cards for 10 years but reading your SBI signature card review I was tempted to have one! Today I got the card . Signature card with cardholder enraged with my name. I am surprised the kit contain one welcome cover of signature Elite which says the annual fee of Rs 4999/- is waived off first year!!! I am little curious if it’s truly waived off or by mistake the signature elite cover letter came in. Few things I would like to know from you. a) Does the add on card get the privilege of airport lounge access under visa signature? B) how do we apply for priority pass c) does usage of credit card ( even on time payment) effect my CIBIL score as my current score 843. Thanks for the review, you are very brilliant.

    1. Siddharth Post author

      a) No
      b) Just ask customer care. but you’ll be charged for visits.
      c) Yes, affects positively if used properly.

      Btw, waiver is a nice deal. Happy savings 🙂

    2. KK

      Can you please tell us how you have applied for the credit card? I have been using premium cards from other providers for very long time never held any card with SBI but wanted to get this card after reading this review. Please share.

      1. Siddharth Post author

        I applied in branch. However this is no more available. but the closest one – Elite cards still there.

  40. Aditya

    Hi Siddharth,

    Could you give a rough idea what the income eligibility for these premium SBI cards might be like? I am specifically interested in the Platinum and the Elite/Signature.
    Does making a fixed deposit help in acceptance?


    1. Siddharth Post author

      I don’t think they’ve strict criteria if you’ve other bank premium card.
      Yes, FD would do.

  41. Pankaj

    Hi Siddharth,

    I am using SBI signature card for 2 years and I second with your article. It’s really a nice card to add in wallet.

    However, I really like to know how to apply Priority Pass for Lounges access. Customer care have no option for such.


    1. Siddharth Post author

      Drop them an email and I’m sure they should be able to issue as its part of the card benefits.

  42. Shailesh

    20000 points = how much rs I will get? And how? Need basic information about points.
    And what is the most beneficial to redeem points?
    Cash or purchasing as per their products list.

    1. Siddharth Post author

      Rs.5000 = 20k points
      Better to go with cashback always.

  43. Vishal

    Hi Siddharth,

    Since Signature card is discontinued, is there any other card provding same or higher RP & cashback facility?

    1. Siddharth Post author

      Yes, they’re now issuing Elite Signature cards.
      For cashback kind of card, only Elite is the best.

  44. Ashith

    Hi Sidharth,
    I have a signature card. Did signature card have any annual fee waiver after 2nd year onwards?
    Thank you

    1. Siddharth Post author

      Yes on spend of 10L as Signature is now Elite card.

  45. Ashith

    Thanks Siddarth,

    Thanks for the quick reply. what was the limit earlier in signature card ?

  46. Sundeep Parija

    My annual salary is 20 L . My annual credit card spend is 10 L. I am interested in a card which will give me and my family airport lounge access at airports about twice every quarter. Which should be the best card for me ??

    1. Siddharth Post author

      Have a look on below cards, i’ve reviewed these as well.
      1. HDFC Diners Black
      2. HDFC Regalia/Infinia
      3. Citibank Prestige

      All these cards can give lounge access not only to you, but also to add-on card holders.

  47. Pradeep

    Hey Siddharth,

    Thanks for Sharing the Info.

    I Generally Spend :
    Fuel Exp ~3000-4000
    Movie Exp~1000-2000
    Online Shopping~3500-5000
    Travel=Occasionally for Vacations(Once or Twice annually)

    Can u suggest how to split the expenses between SCB Manhattan and SBI Visa Signature for maximum benefits(Reward/ Cashback wise). Also would like to have Reward Points to Cashback adjustable in the Card bill.



    1. Siddharth Post author

      Spend upto 8 Lakhs on the current Elite card and rest on other cards. simple as that.

  48. prateek bagde

    hey i just choosed a shoppers stop voucher and they said that thay gonna send me within 15 days…
    i just had a query that whether can i reedwm that voucher online or at shopping outlets..?
    any idea

  49. Gujran

    SBI Card management need to work on their website to allow NRE customer to have their personal address get updated.,
    i have NRE VISA Signature Credit card. the issue is, if i want to update the oversea address residential /office. The website is address change option is not allowing. it is forcing the customers to choose the city or pin code from the drop down list, which is having only Indian cities ( with some alien short names) and pin codes. Options always there to send the to email the customer care but i felt its pain taking.
    so they need to come up with solution to help NRE’s on this issue.

  50. Varun Mishra

    My wife will be travelling alone . She has an add on card (I am the primary signature card holder). Will she be allowed on delhi airport lounge?? If yes, whts the procedure??

  51. Mukhthar

    SBI Signature card is still available.. i applied for one today..

  52. Mukhthar

    Moreover they promised me that the annual renewal fee will be waived off on spend of Rs 4-5 lakhs per annum..

  53. Shashank

    Hello Siddharth sir,
    i have applied for elite card and i have read all the cc reviews but still two question are their in mind that is:
    1> Getting cash instead of that e voucher which are they giving as welcome gift.
    2> Is this gift voucher will be given every year or once ,when you are applying for it.

    1. Siddharth Post author

      No, only gift voucher is given, only for first year, renewal can be negotiated with most CC issuers.

  54. Shashank

    OR we can ask them for 5k rs = 20,000 points ,and use them any where as deduction in any other bills.
    please do reply for the same.

    thank you.

  55. Roshan

    Dear Siddharth,
    I am new to credit cards.. i donno anything about the reward points and how and where to redeem it.. it wud b nice of u if u cud plz brief abt how to get benefits frm cc..

  56. rahul rewari


  57. Kumar

    Sir, i have a doubt about movie tickets
    a) is it applicable to add-on cards?
    b) If I booked two movie tickets on primary card, one of the ticket is on the name of primary ticket holder or not
    c) Can i book two movie ticket to my family members except me

    1. Siddharth Post author

      Only for Primary card holder, can be booked for anyone.

  58. swamy

    I Own a SBI Signature card. I was informed that when I spend more than 200K per year, my annual charges of 5K will be waived off. When I checked, they said, thats not the case..
    When I try to cancel the card, they acepted but mentioned t hat I need to pay the 5K before I cancel..
    Not sure What I need to do..
    Any advice?

    1. Siddharth Post author

      Such waiver is not mentioned anywhere on website either. Its not suggested to cancel. Better use it for an year and then cancel.
      Anyways you can get equivalent amount of shopping vouchers for 5k


    Dear Siddhartha,
    I’m the credit card holder since last 5 years SBI GOLD MORE CARD
    IM getting 10 RP on grocery / departmental stores
    Now my card expiry date is in the month of MAY

    Mostly i use My card in departmental stores & online
    which card can you prefer i want to get same rewards points which are on existing credit card.

    i got a call from CC they prefer me for SIGNATURE ELITE card
    but im loosing 5 reward points there.
    when i browse the site its showing 5X Rewards points , can i know wat its mean exactly.

  60. Vinay Mathur

    What credit limit is available in visa signature card

  61. Rao C

    Hi, Please clarify me annual spends, year starts from the card activation date to 1 year or it is financial based?

  62. manu kumar choudhury

    Sbi cards one of the very worst services from other banks cards servies .

  63. arivoli

    How to change rewards points in to money…






  65. Pratik Naresh Surve

    When i was allotted this card, i was informed by the executive that i need to spend 70000 on this card so that annual fee will be waived.
    But I have been charged with annual fee in this statement.
    I have other 2 lifetime free credit cards from Different banks, I am not seeing any point continuing with this card with fees even after spending these many.
    You are changing the rules as per your convenience, I tried speaking to your executive over the call but no proper response was provided from your side.
    Share the process to terminate the card.

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