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  • Home /
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  • Etihad Guest SBI Card
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    SBI Cards

    Etihad Guest SBI Card

    cat name Travel
    3.0/5.0

    Travel2.5/5

    Lounge Access3.0/5

    Milestone Benefits3.0/5

    Co-branded Benefits3.5/5

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    Paisabazaar Review

    1st Year Fee: โ‚น1,499* Plus Applicable Taxes

    Travel Benefits

    Travel Benefits

    Up to 3 Etihad Guest Miles per Rs. 100 spent

    Lounge Access

    Lounge Access

    8 domestic lounge visits every year

    Membership

    Membership

    Complimentary Etihad Guest Silver Tier Status

    Updated on August 19, 2025 12:36 pm

    Author: Rupanshi Thapa

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    About The CardWelcome Benefits & Air MilesOther Features & BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About Etihad Guest SBI Credit Card

    Etihad Guest SBI Card is the base variant among the two cards offered by SBI Card in collaboration with Etihad Airways. Cardholders get value-back in the form of Etihad Guest Miles, which can later be redeemed to book flights, hotels or make other purchases on the Etihad Guest website. Complimentary domestic lounge access, companion voucher and bonus Etihad Guest Miles as milestone benefits are some other notable features of this card. Read on know more about this card along with a view on where it stands among other airline co-branded credit cards.

    Note: Issuance of Etihad Guest SBI Card has been discontinued. Existing cardholders may continue using their card until further notice.

    Welcome Benefits and Air Miles Program

    With Etihad Guest SBI Card, you earn value-back in the form of Etihad Guest Miles and get bonus miles on joining, as shown below:

    Welcome Benefit:

    • 2,500 Bonus Etihad Guest Miles within 30 days of joining fee payment
    • Complimentary Etihad Guest Silver Tier Status1
    • 1 free WiFi voucher on your first Etihad Airways flight booking

    Rewards Program

    • 3 Etihad Guest Miles per Rs. 100 spent on Etihad website
    • 3 Etihad Guest Miles per Rs. 100 spent on international transactions
    • 1 Etihad Guest Mile per Rs. 100 spent on other eligible categories1
    View More
    Image of null
    Though the card offers accelerated earnings on Etihad spends and on international transactions, the low earning rate brings down the overall value. Letโ€™s understand with an example โ€“ if you spend Rs. 10 Lakh in a year only on the accelerated categories, you would accumulate 30,000 Etihad Guest Miles. Even after adding the welcome & milestone bonus of 7,500 miles, you would have 37,500 miles. With this balance, you can get only 1 business class ticket (30,000 miles) or around 3 Economy Class Tickets (13,000 miles each) for your trip from Ahmedabad to Abu Dhabi.
    Image of null

    Other Features & Benefits

    In addition to the air miles program, here is how consumers can save using their Etihad Guest SBI Credit Card:

    Milestone Benefits

    • 5,000 bonus Etihad Guest Miles on reaching annual spending threshold of Rs. 5 Lakh
    • 1 companion voucher on reaching annual spending threshold of Rs. 10 Lakh

    Lounge Access

    • Complimentary Priority Pass membership
    • 8 complimentary visits in a year to domestic airport lounges

    Renewal Fee Waiver

    • Renewal fee of Rs. 1,499 waived off on spending Rs. 3 Lakh or more in preceding year
    View More

    Etihad Guest SBI Card Fees and Charges

    Fee Type Amount
    Joining Fee Rs. 1,499
    Annual Fee Rs. 1,499
    Finance Charges 3.50% p.m. | 42% p.a.
    Late Payment Charges
    For Statement Balance:
    Less than Rs. 500 Nil
    Rs. 500 to Rs. 1,000 Rs. 400
    Rs. 1,000 to Rs. 10,000 Rs. 750
    Rs. 10,000 to Rs. 25,000 Rs. 950
    Rs. 25,000 to Rs. 50,000 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Get this card if:

    You frequently fly with Etihad Airways

    You spend a significant amount on international transactions

    You can spend Rs. 3 Lakh or more in a year to get the annual fee waiver

    Domestic lounge access is a valuable feature for you

    Other Airline Credit Cards

    Paisabazaar Review

    Overall Rating

    3.0/5

    Travel2.5/5

    Lounge Access3.0/5

    Milestone Benefits3.0/5

    Co-branded Benefits3.5/5

    What do we like about this card?

    Like most airline co-branded credit cards, the Etihad Guest SBI Card also offers value-back in the airlineโ€™s loyalty points โ€“ Etihad Guest Miles. The companion voucher is a good feature as it allows you to take one companion with you, with base fare waived off. Apart from the benefits with Etihad Airways, you get Priority Pass membership and domestic airport lounge visits. Travellers can also save some more on hotels and car rentals through Visa Signature.

    Pros

    • Accelerated miles earning on Etihad Airways and international spends
    • Complimentary Etihad Guest Silver Tier membership
    • 8 complimentary domestic lounge visits every year

    Cons

    • Low reward rate, even in the accelerated category
    • No benefits on Etihad Airways other than Etihad Guest Miles earning
    • No international airport lounge visits

    Conclusion

    If you are a high-spender who can easily reach the milestones and accumulate higher rewards through regular spends, then Etihad Guest SBI Card could be a good option. For moderate spender, it would be difficult to maximize the benefits. However, high-spenders could get much better value from rewards cards like HDFC Regalia Gold or even entry-level cashback cards like Cashback SBI Card, as the general earning rate on such cards is better.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Etihad SBI Card no longer offers direct discount on travel bookings made through Etihad website. You will only earn accelerated Etihad Guest Miles on this spend at the rate of 3 Miles per Rs. 100.

    With Etihad Guest Silver Tier membership, you can avail lounge access in Abu Dhabi, dedicated check-in at Abu Dhabi Airport, free Wi-Fi on board and 25% bonus miles.

    The companion voucher can be used at the time of booking your flight with Etihad Airways. Etihad Guest Miles must be redeemed in order to avail of this offer as full payment or Miles + Cash. Note that only the base fare of the โ€˜plus oneโ€™ ticket will be waived off; rest of the booking amount will have to paid by the user.

    No. Etihad Guest SBI Card does not offer complimentary international lounge access. However, you get a complimentary Priority Pass membership, which allows you access to Priority Pass lounges all over the world, though visit charges will be applicable.

    Fuel transactions are not eligible for Etihad Guest Miles earning. However, you will get up to Rs. 250 as fuel surcharge waiver on your card. If you wish to save on your fuel spends, it is advisable to get a fuel credit card instead.
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    Footnotes

    1. Etihad Guest membership entitles you to Tier Miles earning, in addition to the Etihad Guest Miles earning. Maximum 20,000 Etihad Guest Tier Miles can be earned in a year.
    2. Financial charges, balance transfer, rent payment, fuel and government transactions are not eligible for Etihad Guest Miles accrual.
    3. Maximum fuel surcharge waiver of Rs. 250 can be availed in a statement cycle.

    Click here to know More Terms and Conditions

    Rupanshi Thapa linkedIn icon

    Content Writer

    Rupanshi is a personal finance writer, specializing in credit cards and consumer finance. Her work is committed to helping readers navigate the complex world of credit with confidenceโ€“ whether they are selecting the right credit card, optimizings rewards, managing debt, or improving their financial well-being. Through her detailed insights and actionable advice, she guides readers towards smarter financial choices.

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