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Etihad Guest SBI Card Review 2026: Fees, Miles & Benefits

Explore the Etihad Guest SBI Card features: 2,500 welcome miles, Silver Tier status, and lounge access. Learn about fees, reward rates, and if it's worth it.

Vyaya Team · Mar 2026
5 min read
Value Score
7.2 / 10
Annual Fee
₹1,499
Best For
Etihad Loyalists, International Travelers
Network
Visa
Expert Verdict

The Etihad Guest SBI Card is a solid entry-level travel card for those who prefer Etihad Airways. It offers a good balance of travel perks like Silver Tier status and lounge access for a modest fee, though its domestic reward rate is mediocre.

Etihad Guest SBI Card credit card by SBI Card - Visa network
REWARD SUMMARY
0.8% Base Rewards
Turn your spending into unforgettable rewards.
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The Bottom Line

The Etihad Guest SBI Card is a solid entry-level travel card for those who prefer Etihad Airways. It offers a good balance of travel perks like Silver Tier status and lounge access for a modest fee, though its domestic reward rate is mediocre. With a ₹1,499 annual fee that is waived on ₹3,00,000 yearly spend, it offers 0% rewards on etihad.com and complimentary silver tier status providing 10kg ex. For anyone researching etihad guest sbi card, the verdict is simple: conditional.

It earns a base reward rate of 0.8% and stacks best when your spending lines up with Etihad Loyalists, International Travelers. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like
+Complimentary Etihad Guest Silver Tier status upon first transaction.
+Direct earning of Etihad Guest Miles on all spends without conversion hassles.
+Up to 10% discount on direct Etihad Airways bookings (3% Economy, 10% Business).
+Annual fee waiver on relatively low spend of ₹3 Lakhs.
+Includes both domestic and international lounge access at a mid-range fee.
What we don't
–Low base reward rate of 1 Mile per ₹100 on domestic spends.
–Miles redemption is primarily valuable only for Etihad Airways and partners.
–High interest rates (3.5% monthly) typical of SBI cards.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
Etihad Loyalists

Direct miles earning and Silver Tier status provide immediate value for those flying to or through Abu Dhabi.

Best value above ₹25,000/month
+
International Travelers

Accelerated miles on international spends and complimentary Priority Pass visits.

Best value above ₹40,000/month

Probably not for

Skip
–
Domestic-only Spenders

The reward rate for domestic retail spends is very low compared to generic cashback or rewards cards.

Is It Worth It For You?

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Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual fee-₹1,499
Net Value (Year 1)₹-1,499
Net Value (Year 2+)₹-1,499
Progress to fee waiver0%

Spend ₹3,00,000 more to waive annual fee

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Reward Rates

Etihad Guest SBI Card offers 0.8% basic reward rate.

Quick Calculator

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₹
Etihad.com
0%
International Spends
0%

Welcome Offer

Welcome Benefit

Etihad Guest Silver Tier Status, 1 Free Wi-Fi Voucher

Milestone Benefits

Spend ₹500,000

Bonus Points

Spend ₹1,000,000

Bonus Points

Fees & Charges

Joining fee₹1,499
Annual fee₹1,499
Fee waiverSpend > ₹3,00,000

Eligibility

  • Min Income: ₹3.6 Lakhs
  • Min Credit Score: 700
  • Salaried or self-employed individuals with stable income. Minimum age 21 years.

Exclusions & Terms

Fuel

    Cash Advance

      Balance Transfer

        Encash

          ATM Withdrawals

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            Annual Fee
            ₹1,499
            ₹3,000
            ₹1,499
            Joining Fee
            ₹1,499
            ₹3,000
            ₹1,499
            Reward Rate
            0.8%
            2%
            0.12%
            Network
            Visa
            Visa
            Mastercard
            Best For
            Etihad LoyalistsInternational Travelers
            frequent-domestic-travelerairline-agnostic-flyer
            Frequent Domestic Traveler

            Frequently Asked Questions

            2 data-backed answers from our card database

            What is the welcome benefit of the Etihad Guest SBI Card?+

            Cardholders receive 2,500 Etihad Guest Miles and complimentary Etihad Guest Silver Tier status after the first transaction.

            How can I get the annual fee waived?+

            The renewal fee of ₹1,499 is waived if you spend ₹3 Lakhs or more in the preceding card year.

            Ready to apply?

            ₹1,499 fee. Excellent rewards. Apply now securely.

            Apply on SBI Card →

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