SBI Advantage Signature Card

One Signature. Many Privileges.

Presenting SBI Advantage Signature Card

    • Joining Fee : Rs. 4,999
    • Welcome gift worth Rs. 4,999
    • Annual Fee : Rs. 4,999

Privileges on SBI Advantage Signature Card

Know what you would be entitled to with this card

Welcome gift

Welcome Gift

  • Welcome e- Gift Voucher worth Rs. 5,000 from any of the following brands: Yatra, Jabong, Marks & Spencer, Westside, Shoppers Stop
  • The e- Gift Voucher code will be sent to your registered mobile number in 15 working days of receipt of request on a best effort basis
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Welcome Gift
  • For Marks & Spencer, Westside and Shoppers Stop you can redeem your e-gift voucher by showing the code at the respective brand store
  • For Yatra and Jabong you can redeem the code online at the time of purchase
Complimentary Movie Tickets

Complimentary Movie Tickets

  • Swipe your SBI Advantage Signature Card every month and get Rs. 500 off on BookMyShow once every month
  • Transaction valid for at least 2 tickets per booking, maximum discount possible is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable
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Complimentary Movie Tickets
  • To know the Redemption process click here
Signature rewards

Signature Rewards

  • Get 5X Reward Points on Dining, Departmental stores, Grocery and International spends
  • Use your SBI Advantage Signature Card and get 2 Reward Points for every Rs. 100 spent
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Signature Rewards
  • Adjust outstanding on your card against Reward Points earned. 4 Reward Points = Rs. 1
  • Enjoy the freedom from paying 2.5% fuel surcharge across all petrol pumps. (Govt. Service tax extra as applicable). Maximum surcharge waiver of Rs. 250 p.m. per credit account
Bonus rewards

Bonus Rewards

  • 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
Exclusive concierge service

Exclusive Concierge Service

  • Exclusive Concierge Service to assist you with your travel, movie, hotel reservations and gift delivery assistance
  • Enjoy exclusive discounts at leading Spa and lifestyle stores
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Exclusive Concierge Service
  • Make use of customized travel packages at exclusive rates
  • Learn the nuances of Golf from expert trainers
  • Enjoy special discounts on flower deliveries
  • Click here to know more. You can call the concierge at 011-4060 8653 or email at
Lounge Access

Lounge Access

  • Get a complimentary membership to the Elite Priority Pass program worth $99
  • Enjoy complimentary lounge access to Visa lounges in India and abroad through Visa Airport Lounge Access program. Click here for more details.
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Lounge Access
  • A usage fee of only $27 will be charged to your SBI Advantage Signature Card, every time you visit an airport lounge
  • Click here to know more about Priority Pass member lounges.
  • Enjoy access to over 600 airport lounges in over 300 cities worldwide

Features of SBI Advantage Signature Card

Know everything about SBI Advantage Signature Card

  • Cash Access Across the World
    • Withdraw cash from over 1 million Visa ATMs worldwide
  • Fuel Surcharge Waiver
    • Get a 2.5% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 4,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 4,000, to avail this benefit
    • Get a maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
  • Global Acceptance
    • SBI Advantage Signature Card is accepted at over 2 million Visa outlets worldwide and over 2,85,000 outlets in India
  • Add-on Cards
    • With SBI Advantage Signature Card, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18
  • Fraud Liability Cover
    • Get complimentary credit card fraud liability cover of Rs. 1 lakh
    • This cover is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss. Please call SBI Card helpline to report card loss:
      • From BSNL or MTNL phones: Dial 1860 180 1290 or 1800 180 1290
      • From all other service providers: Dial 39 02 02 02. Please prefix the STD code of your city, if you are calling from your mobile phone
  • Safe and Secure
    • Get enhanced security against counterfeiting and skimming with the chip and pin enabled SBI Advantage Signature Card
  • Easy Bill Pay Facility
    • Never miss the due date for paying your electricity, insurance, telephone and other utility bills, with the Easy Bill Pay facility on your card
    • Earn Reward points on payment of bills, made using this facility
    • Click here to know more about Easy Bill Pay
  • Flexipay
    • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Advantage Signature Card, and log on to within 30 days of purchase to convert it into Flexipay
    • Click here to learn how to apply for Flexipay
  • Balance Transfer on EMI
    • Save money while paying your credit card dues
    • Transfer the outstanding balance of other banks’ credit cards to your SBI Advantage Signature Card, to avail a lower rate of interest and pay back in EMIs
    • Click here to know more about Balance Transfer on EMI
  • Easy Money
    • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
    • Log on to to book Easy Money
  • Online Booking of Railway Tickets
    • You can book your railway tickets online and get them delivered at your doorstep
    • Go to and follow the below steps:
      • Register free of cost
      • Log in with your user name and password
      • Follow instructions on the website to make your reservations
      • Make payments through your SBI Card at the payment gateways that accepts all MasterCards
      All transactions on are governed by the terms and conditions of
  • Emergency Card Replacement
    • Get your SBI Advantage Signature Card replaced anywhere in the world
    • 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
    • In case your card is lost in India, please call
      • From BSNL or MTNL phones: Dial 1860 180 1290 or 1800 180 1290
      • From all other service providers: Dial 39 02 02 02.
        Please prefix the STD code of your city, if you are calling from your mobile phone
  • Fees
      • Joining fee, one time: Rs. 4,999, Service Tax, as applicable
      • Annual fee: Rs. 4,999, Service Tax, as applicable
      • Add-on fee, per annum: Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
      • Finance charges: Up to 2.25% per month, accounting to 27% per annum, from the date of transaction
      • Minimum amount due: 5% of total outstanding, with minimum of Rs. 200 + GST + EMI, in case of loans
  • Cash Advance
      • Cash advance limit: Up to 80% of the credit limit, with a maximum of Rs. 15,000 per day
      • Free credit period: Nil
      • Finance charges# : Up to 2.25% per month accounting to 27% per annum from the date of withdrawal
  • Cash Advance Fee
      • SBI and other domestic ATMs: 2.5% of withdrawal amount or Rs. 300 per transaction, whichever is higher
      • International ATMs: 3% of withdrawal amount or Rs. 300 per transaction, whichever is higher
  • Other Charges
      • Statement retrieval: Rs. 100 per statement that is more than 2 months old
      • Charge slip retrieval: Rs. 225 per charge slip
      • Late payment:
        • Nil for total amount due from Rs. 0 to Rs. 200
        • Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
        • Rs. 200 for total amount due greater than Rs. 500 and up to Rs. 1,000
        • Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
        • Rs. 750 for total amount due greater than Rs. 10,000
      • Overlimit: 2.5% of overlimit amount, with a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Nil
      • Foreign currency transaction: Conversion mark up : 3.5%
      • Rewards redemption fee: up to Rs. 99, Nil for redemptions on Signature Book of Rewards
      • Cash OTC: Rs. 100
  • Surcharges
      • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through 1.8% of transaction amount + service charge, as applicable
      • Petrol and other products or services sold at petrol pumps:    2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of GST, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts
  • Order of Payment Settlement

      All payments made for a cardholder account will be settled in the order of minimum amount due, taxes, EMI on loan plans, fees and other charges, interest charges, balance transfer outstanding, purchase outstanding and cash advance.

      Government service tax, as applicable, on all the above fees, interest and charges.

      #Card finance charge is dynamic and will be based on the cardholder’s usage and payment patterns. It is subject to periodic review.

      * Nil on Cash advance.
      ** Insurance is optional and a subject matter of solicitation.

  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • Service tax, as applicable on all above fee, interest and charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      From BSNL/MTNL numbers      1800 180 1290

      From all other numbers      39 02 02 02
      Prefix your STD code if you use your mobile phone.

      All information in this communication is correct as per June 2011 and is subject to change at the discretion of SBICPSL. SBI Card most important terms and conditions are also available at

      For detailed terms and conditions please click here