Chennai Metro SBI Credit Card
SBI Bank
Last updated: Oct 28, 2025
₹499
₹499
2.5%
No lounge access
Contents
A dual-purpose card that works as a Chennai Metro travel smart card and SBI credit card. Suited for frequent Chennai Metro commuters who want rewards on movies, dining, groceries and departmental store spends. Low annual fee with an easy waiver on sufficient annual spends.
Features of Chennai Metro SBI Credit Card which makes it unique
Dual-purpose Metro + Credit
Works as both Chennai Metro travel card and SBI credit card
Convenient for commuters
Unique co-branded metro acceptance
Rewards Structure of Chennai Metro SBI Credit Card
Milestones of Chennai Metro SBI Credit Card
Annual Spend Waiver
₹100,000 : Annual fee waiver
Fees & Charges of Chennai Metro SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 2.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Annual fee waived on ₹100,000 annual spend.
Fee Explanation Standard SBI Card fees apply; refer to card T&Cs for full schedule.
Additional Features of Chennai Metro SBI Credit Card
NCMC Functionality
Stored-value area for offline metro fares (max ₹2,000)
Use at NCMC-enabled metro gates
Contactless Payments
Tap and pay enabled
Welcome Bonus with Chennai Metro SBI Credit Card
Welcome Bonus: 2,000 bonus reward points
Bonus Conditions: Valid for new cardholders only. Bonus points credited within 60 days of eligible transactions; max 2,000 points. Not valid on cash withdrawals, balance transfer or Easy Money Draft spends.
Application Process for Chennai Metro SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via SBI Card portal or Finanjo interest form
Upload KYC and income documents
Receive verification call and document pick-up if required
Card activated and dispatched within 7 days
Required Documents for Chennai Metro SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Chennai Metro SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Limited - dependent on RuPay acceptance
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Chennai Metro SBI Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹25,000
Minimum annual income
Self-Employed Applicants
₹35,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must hold valid PAN and KYC documents.
How Approval Is Decided
- Minimum age 21 years
- Indian resident
- Satisfactory credit score and income
Pros of Chennai Metro SBI Credit Card
- Dual-use for metro travel and regular spends
- Low cost of ownership
- Strong accelerated categories for city commuters
Cons of Chennai Metro SBI Credit Card
- Limited premium travel benefits
- No airport lounge access
Frequently Asked Questions about Chennai Metro SBI Credit Card
What is the welcome offer?
Get 2,000 bonus reward points on a minimum spend of ₹2,000 within the first 60 days of card issuance.
What are the joining and annual fees?
Joining fee and annual fee are both ₹499; the annual fee is waived if you spend ₹1,00,000 in a year.
Does this card work for Chennai Metro fares?
Yes — it includes NCMC stored-value functionality for offline metro fares and can be used at Chennai Metro gates.
What is the reward-earning rate?
10x (10 pts/₹100) on dining, movies, grocery and departmental stores; 1 pt/₹100 on all other retail spends.
Is there a fuel surcharge waiver?
Yes — 1% fuel surcharge waiver on fuel transactions between ₹500 and ₹3,000 at participating petrol pumps.
How do I redeem reward points?
Reward points can be redeemed via the SBI Card reward catalogue or by logging into the rewards section on the SBI Card website.
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