State Bank of IndiaSBI Card Mumbai Metro
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State Bank of India
SBI Card Mumbai Metro
3.6Best for travel
Verifying
- Joining fee
- ₹499
- Annual fee
- ₹499
- Welcome bonus
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- —
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Travel 10x Reward Points on Mumbai Metro auto top-up (10 RP per ₹150 equivalent). 1 RP ≈ ₹0.25 = ~1.67% value back on metro top-ups | 1.67% | — | ₹2,004 |
| All other spends | 0.17% | — | ₹204 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹499
Annual fee₹499
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹100/mo
Key benefits
- Functions as both a credit card and an integrated Mumbai Metro smart card
- Auto top-up of ₹200 to the metro card when balance drops to ₹50
- 10x Reward Points on every Mumbai Metro auto top-up
- 1 RP per ₹150 on other retail spends (reward point ≈ ₹0.25)
- 1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)
- RuPay network enables UPI linking
What we like
- +Integrated metro smart card with auto top-up — no separate card needed
- +10x reward points on metro top-ups
- +Low ₹499 fee and RuPay UPI support
- +Convenient for daily Mumbai Metro commuters
What to watch
- −Niche benefit limited to Mumbai Metro commuters
- −Only ~0.17% base value back on general spends
- −No lounge access or welcome bonus
- −No annual fee waiver condition published
Compare with similar cards
- Top reward
- 0.5%
- Annual fee
- ₹4,999
- Welcome bonus
- ₹5,000 value
- Top reward
- 5%
- Annual fee
- ₹999
State Bank of IndiaBPCL SBI Card Octane
- Top reward
- 7.25%
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,500 value