Delhi Metro SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
The **SBI Bank Delhi Metro SBI Credit Card** is a unique co-branded card that simplifies the commute for Delhi Metro users. It functions as both a credit card and a **Metro Smart Card** with an auto top-up feature, ensuring seamless travel. Cardholders benefit from accelerated **reward points** on essential spending like dining, movies, and utility bills, making it an excellent **everyday use card** with a low annual fee waiver condition.
Features of Delhi Metro SBI Credit Card which makes it unique
Dual-Purpose Card
Functions as both a credit card and a Delhi Metro Smart Card.
Convenience and streamlined commuting.
Unique co-branded offering.
Accelerated Rewards on Utility
Earn 10X points on utility bill payments via Standing Instructions.
Maximize savings on recurring household expenses.
Strong earn rate for bill payments.
Rewards Structure of Delhi Metro SBI Credit Card
Milestones of Delhi Metro SBI Credit Card
Annual Fee Waiver
₹1,00,000 : Renewal fee waiver of ₹499
Fees & Charges of Delhi Metro SBI Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | ₹499 |
| Annual Fee | ₹499 |
| Forex Markup Fee | 3.5% |
| Cash Advance Fee | 2.5% |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 3% |
Renewal Conditions:Waived on ₹1,00,000 annual spend in the preceding year.
Fee Explanation Fees are subject to a minimum charge. For instance, Cash Advance Fee is minimum ₹500.
Detailed Explanation of Delhi Metro SBI Credit Card Fees
Annual Fee: 499 + GST (yearly)
Waived on ₹1,00,000 annual spend
Rewards Redemption Fee: 99 (transaction)
Per redemption request
Foreign Currency Markup: 3.5% (transaction)
On the conversion amount
Lounge Access Benefits with Delhi Metro SBI Credit Card
domestic Lounges
silverVisits per year: 0
Guest access: No
No complimentary domestic lounge access.
international Lounges
silverVisits per year: 0
Guest access: No
No complimentary international lounge access.
Insurance Coverage with Delhi Metro SBI Credit Card
lost card insurance
₹50,000Complimentary lost card insurance cover.
Additional Features of Delhi Metro SBI Credit Card
Delhi Metro Auto Top-up
Card auto-recharges with ₹200 when the Metro Smart Card balance falls below ₹100.
Requires a one-time registration.
Contactless Payments
Tap and pay enabled for quick, secure transactions.
For transactions up to ₹5,000.
Welcome Bonus with Delhi Metro SBI Credit Card
Welcome Bonus: 2,000 bonus reward points & ₹50 Metro cash
Bonus Conditions: 2,000 reward points on spending ₹2,000 within the first 60 days of card issuance, plus ₹50 Metro cash on the first auto top-up transaction.
Application Process for Delhi Metro SBI Credit Card
Processing Time
5-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Visit the SBI Card official website and select the Delhi Metro SBI Card.
Complete the online application form and provide necessary personal details.
Upload required KYC and income documents.
Receive a verification call from the SBI Card team.
Upon approval, the card will be dispatched to your registered address.
Required Documents for Delhi Metro SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salaried/self-employedAccepted documents:
Delhi Metro SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across all Visa-enabled merchants in India.
International Acceptance
Accepted globally wherever Visa is supported, with a 3.5% forex markup.
Online Acceptance
Yes, supported for online transactions.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Delhi Metro SBI Credit Card
Quick Eligibility Check
Minimum Age
18+
Credit Score
700+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹25,000
Minimum annual income
Who Can Apply
Important Conditions
- Applicant must have a valid PAN and Aadhaar card.
How Approval Is Decided
- Must be an Indian resident and adult.
- Salaried or Self-employed individual meeting minimum income requirements.
- Credit score typically above 700.
Pros of Delhi Metro SBI Credit Card
- Accelerated rewards on daily essential spending.
- Auto top-up feature for hassle-free travel.
- Low joining and annual fee.
- Excellent for frequent Delhi Metro commuters.
Cons of Delhi Metro SBI Credit Card
- High foreign currency markup fee (3.5%).
- No complimentary airport lounge access.
- Reward points capped on accelerated categories.
Frequently Asked Questions about Delhi Metro SBI Credit Card
Is the Delhi Metro SBI Card a regular credit card?
Yes, it is a multi-purpose card that functions both as a regular Visa credit card for purchases and a Delhi Metro Smart Card with an auto top-up feature.
How does the auto top-up feature work for the Metro Smart Card?
The card automatically recharges your Metro Smart Card with ₹200 whenever its balance falls below ₹100, ensuring you never run out of travel cash.
Can I earn rewards on all my spending with this card?
You earn **10X Reward Points** on specific categories like Dining, Movies, Grocery, Departmental Stores, and Utility Bill Payments, and 1 point for every ₹100 spent on all other retail categories.
What is the fee for redeeming my reward points?
A fee of ₹99 is charged per reward redemption request.
Is there an annual fee waiver available?
Yes, the renewal fee of ₹499 is waived if your total annual spend on the card in the preceding year is ₹1,00,000 or more.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.