State Bank of IndiaSBI Card Mumbai Metro

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State Bank of India

SBI Card Mumbai Metro

Name: SBI Card Mumbai Metro
Brand: State Bank of India

Current sourcing was not confirmed; the previous application link led only to SBI Card’s homepage.

3.6Best for travel

Verifying

Joining fee incl. GST: ₹589
Renewal fee incl. GST: ₹589
Conditional welcome value: Up to ₹500
Forex markup: 3.5%
Interest p.a.: 45%
Min income (salaried): —

Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. Fee payment and qualifying purchases; current sourcing must be confirmed.

How this card earns

Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.

Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.

What still needs confirmation

Product issuance/network, auto top-up trigger and current fee offer require confirmation; retained record is excluded from new-card recommendations.

Spend category	Reward rate	Reward limit
Travel Only the qualifying merchants or payment route below Eligible Mumbai Metro automatic top-up: separate 5,000 RP/month ceiling, then 1 RP per ₹100.	2.5%	₹1,250 shared reward / monthThen 0.25% on eligible excess
Dining 10 RP per ₹100; dining, groceries, movies and department stores share 5,000 RP/month (₹1,250 at ₹0.25/point), then 1 RP per ₹100.	2.5%	₹1,250 shared reward / monthThen 0.25% on eligible excess
Groceries 10 RP per ₹100; dining, groceries, movies and department stores share 5,000 RP/month (₹1,250 at ₹0.25/point), then 1 RP per ₹100.	2.5%	₹1,250 shared reward / monthThen 0.25% on eligible excess
Entertainment Only the qualifying merchants or payment route below 10 RP per ₹100; dining, groceries, movies and department stores share 5,000 RP/month (₹1,250 at ₹0.25/point), then 1 RP per ₹100.	2.5%	₹1,250 shared reward / monthThen 0.25% on eligible excess
Selected merchants Only the qualifying merchants or payment route below 10 RP per ₹100; dining, groceries, movies and department stores share 5,000 RP/month (₹1,250 at ₹0.25/point), then 1 RP per ₹100.	2.5%	₹1,250 shared reward / monthThen 0.25% on eligible excess
Other eligible purchases	0.25%	—

Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.

Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.

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

Integrated Mumbai Metro payment and automatic top-up functionality; confirm current issuance.
1 RP per ₹100 ordinary purchases; 10 RP per ₹100 in qualifying categories subject to two separate shared caps.
For cards eligible for statement-credit redemption, SBI requires blocks of 4,000 points from 1 April 2026 and caps redemption at 60,000 points/month. This is separate from earning; redemption fees and unused balances reduce realised value.