Card Details
- Central e-gift vouchers worth Rs. 3000 on payment on Joining fee.
- 2 BookMyShow e-gift vouchers worth Rs. 250 each. Limited period offer.
- Complimentary Central e-gift voucher worth Rs. 500 each for the first 3 months. Each voucher holds a validity of 3 months.
- Earn up to 16,000 Milestone Select Points worth Rs. 4,000 on annual spending greater than equal to Rs. 6 Lacs.
- Earn 12000 Select Points worth Rs. 3000 on renewal fee payment and annual spends of Rs. 1.25 Lacs.
- Earn 2 Select Points on every Rs. 100 spent at other retail purchases, except fuel.
- Earn 10X Select Points for every Rs. 100 spent in any Central store and 5X Select Points for every Rs. 100 on Dining & Movies.
- Instant Redemption of Select points at any Central Store. No minimum limit of Select points is required for Instant Redemption. Select points can be used to pay for your shopping.
- Enjoy a 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, subject to maximum Rs. 250 per statement cycle.
Pros & Cons
| Pros | Cons |
| High on Bonus Rewards Fuel Surcharge Waiver International Card Free Supplementary Cards | High Annual Fee No Reward Points on Fuel purchase No Annual Fee Waiver No Lounge Access |
Fee Details
- Annual Fee (On Second Year Onwards): Rs. 2,999
- First Year / Joining Fee: Rs. 2,999
- Add-on Fee (per annum): Nil
- Interest-free / Grace Credit Period: 20-50 days, applicable only on retail purchases and if the previous month’s outstanding balance is paid in full.
- Finance Charges: Up to 3.35% per month, accounting for 40.2% per annum, from the date of transaction
- Minimum Amount Due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
- Cash Advance Limit: Up to 80% of the credit limit, counting to a maximum of Rs. 15,000 per day
- Free Credit Period on Cash Advance: Nil
- Finance Charges on Cash Advance: Up to 3.35% per month, accounting for 40.2% per annum, from the date of withdrawal
- Cash Advance Fee (SBI ATMs or other ATMs): 2.5% of the transaction amount, subject to a minimum of Rs. 300
- Cash Advance Fee (International ATMs): 3% of the transaction amount, subject to a minimum of Rs. 300
- Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 350
- Late payment Charges: Nil for the total amount due from Rs. 0 to Rs. 200; Rs. 100 for the total amount due greater than Rs. 200 and up to Rs. 500; Rs. 400 for the total amount due greater than Rs. 500 and up to Rs. 1,000; Rs. 500 for the total amount due greater than Rs. 1,000 and up to Rs. 10,000; Rs. 750 for the total amount due greater than Rs. 10,000
- Overlimit Charges: 2.5% of over-limit amount subject to a minimum of Rs. 500
- Card Replacement Charges: Rs. 100
- Emergency card replacement, when abroad: Nil
- Foreign currency transaction: Conversion mark up: 3.5%
- Cash Payment Fee: Rs. 100
- Rewards redemption fee: Rs. 99
- Railway Tickets Surcharge (through counters): Rs. 30 + 2.5% of the transaction amount
- Railway Tickets Surcharge (through IRCTC Website): 1.8% of transaction amount + service charge, as applicable
- Fuel Surcharge (Petrol and other products or services sold at petrol pumps): 2.5% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts. 2.5% of transaction amount (Min. 10) for transaction Amount Between Rs. 500 to Rs. 4,000.
Reward Points Program
- 20 Select Points for every Rs. 100 spent in any Central store.
- 10 Select Points for every Rs. 100 on Dining & Movies.
- 2 Select Points for every Rs. 100 spent on other retail spends (Non-fuel).
Reward Rate = Rs. 0.50 to Rs. 5 per Rs. 100 spend.
Intro Bonus Offer
- Central e-gift vouchers worth Rs. 3000 on payment on Joining fee.
- 2 BookMyShow e-gift vouchers worth Rs. 250 each. Limited period offer.
- Complimentary Central e-gift voucher worth Rs. 500 each for the first 3 months. Each voucher holds a validity of 3 months.
Bonus Offers
- Earn up to 16,000 Milestone Select Points worth Rs. 4,000 on annual spending greater than equal to Rs. 6 Lacs. (6,000 Selects Points on annual spends of Rs. 1.5 Lakh, 10000 Selects Points on annual spends of Rs. 3 Lakhs and 16000 Selects Points on annual spends of Rs. 6 Lakhs)
- Earn 12000 Select Points worth Rs. 3000 on renewal fee payment and annual spends of Rs. 1.25 Lacs.
Benefits
- Fuel – 2.5% of transaction amount (Min. 10) for transaction Amount Between Rs. 500 to Rs. 4,000. You get a maximum surcharge waiver of up to Rs. 100 per statement cycle
- Dining – 10 Selects Points on each Rs. 100 spent
- Online Shopping – Get 2 Selects Points on each Rs. 100 spent on retail purchase except fuel.