Though the card offers accelerated earnings on Etihad spends and on international transactions, the low earning rate brings down the overall value. Let’s understand with an example – 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.
SBI Cards
Etihad Guest SBI Card
Travel
Co-branded
1st Year Fee: ₹1,499* Plus Applicable Taxes
Travel Benefits
Up to 3 Etihad Guest Miles per Rs. 100 spent
Lounge Access
8 domestic lounge visits every year
Membership
Complimentary Etihad Guest Silver Tier Status
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About Etihad Guest SBI Credit Card
Etihad Guest SBI Card is the base variant among the two cards launched 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.
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
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
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 |
|
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
Etihad Guest Premier SBI Card
IndusInd Bank Avios Credit Card
Kotak Indigo Ka-ching Rewards XL Credit Card
Indigo HDFC Bank XL Credit Card
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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 airline’s loyalty points – 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 ‘plus one’ 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.
Footnotes
- 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.
- Financial charges, balance transfer, rent payment, fuel and government transactions are not eligible for Etihad Guest Miles accrual.
- Maximum fuel surcharge waiver of Rs. 250 can be availed in a statement cycle.
Click here to know More Terms and Conditions
Rupanshi Thapa
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 confidence– 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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