Mumbai Metro SBI Credit Card
SBI Bank
Last updated: Feb 03, 2026
₹499
₹499
3.5%
No lounge access
Contents
The **SBI Bank Mumbai Metro SBI Credit Card** is a unique credit-cum-metro card designed to offer maximum convenience and accelerated rewards, especially for **Mumbai Metro** commuters. Enjoy seamless travel with the auto top-up facility and earn high reward points on popular spending categories like **dining**, **movies**, and **groceries**. This co-branded card is perfect for urban dwellers looking for value on both their daily commute and lifestyle spending.
Features of Mumbai Metro SBI Credit Card which makes it unique
Metro and Credit Card Combo
One card for both your daily commute and all other retail purchases.
Simplified wallet and transactional convenience.
Highly tailored for Mumbai Metro commuters.
Auto Top-up Rewards
Earn 10x Reward Points on every Mumbai Metro auto top-up.
Rewarding your daily travel, a unique benefit.
High reward rate on a niche spending category.
Rewards Structure of Mumbai Metro SBI Credit Card
Milestones of Mumbai Metro SBI Credit Card
Annual Fee Waiver
₹1,00,000 : Annual Fee waiver (from second year onwards)
Fees & Charges of Mumbai 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 annual spends of ₹1,00,000 or more in the preceding year.
Fee Explanation Standard bank rates apply for finance charges, with late payment fees varying based on the outstanding amount.
Detailed Explanation of Mumbai Metro SBI Credit Card Fees
Annual Fee: 499 (yearly)
Waived on ₹1,00,000 annual spend
Cash Advance Fee: 2.5% (transaction)
Minimum ₹300 per transaction
Reward Redemption Fee: 99 (transaction)
Applicable on redemption of gifts and vouchers
Insurance Coverage with Mumbai Metro SBI Credit Card
travel insurance
N/ADetails not specified
purchase protection
N/ADetails not specified
Additional Features of Mumbai Metro SBI Credit Card
Dual Usage Card
Functions as a credit card and a Mumbai Metro smart card.
Auto Top-up Facility
Automatically recharges the metro smart card by ₹200 when the balance drops to ₹50.
Add-on Cards
Up to 3 free add-on cards for family members over 18 years old.
Flexipay
Convert large purchases into easy monthly installments.
Welcome Bonus with Mumbai Metro SBI Credit Card
Welcome Bonus: Get 2,000 Reward Points & a pre-loaded value of ₹50
Bonus Conditions: 2,000 Bonus Reward Points on spending ₹2,000 within the first 60 days of card issuance.
Application Process for Mumbai 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 Mumbai Metro Credit Card.
Fill out the online application form with personal and financial details.
Upload necessary KYC and income documents.
The bank conducts a verification check and may call you for confirmation.
Upon approval, the card is dispatched to your registered address.
Required Documents for Mumbai Metro SBI Credit Card
ID Proof
allAccepted documents:
Address Proof
allAccepted documents:
Income Proof
salariedAccepted documents:
Mumbai Metro SBI Credit Card Merchant Acceptance Network
Domestic Acceptance
Widely accepted across all Visa accepting merchants in India.
International Acceptance
Accepted globally wherever Visa is accepted.
Online Acceptance
Yes, for all major e-commerce and online platforms.
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for Mumbai Metro SBI Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
700+
Citizenship
Indian only
Income Requirements
Salaried Applicants
₹30,000
Minimum annual income
Self-Employed Applicants
₹40,000
Minimum annual income
Who Can Apply
Important Conditions
- The applicant must be a resident of India and furnish required ID and income proofs.
How Approval Is Decided
- Minimum age of 21 years.
- Indian resident.
- Minimum monthly income of ₹30,000 (Salaried) or ₹40,000 (Self-employed).
- A healthy credit score, typically above 700.
Pros of Mumbai Metro SBI Credit Card
- 10x Reward Points on Metro Auto Top-up, Dining, Movies, and Groceries.
- Dual credit-cum-metro card functionality for seamless travel.
- Annual fee waiver on ₹1 Lakh spend.
Cons of Mumbai Metro SBI Credit Card
- High Foreign Currency Mark-up Fee (3.5%).
- No complimentary airport lounge access.
- Reward Point cap on accelerated categories.
Frequently Asked Questions about Mumbai Metro SBI Credit Card
What is the primary benefit of the Mumbai Metro SBI Credit Card?
The primary benefit is the **dual functionality** as a credit card and a **Mumbai Metro** smart card, offering an **auto top-up** feature and **10x Reward Points** on your metro top-up and select lifestyle spends (dining, movies, groceries).
How can I get the annual fee waived for this credit card?
The **annual renewal fee** of ₹499 is **waived** from the second year onwards if your total annual retail spending on the card in the preceding year exceeds **₹1,00,000** (One Lakh Rupees).
Are there any limits on the accelerated reward points?
Yes, the **10x Reward Points** on Dining, Movies, Groceries, and Departmental Stores are capped at a maximum of **5,000 Reward Points** per calendar month. All spends beyond this limit will earn the base rate.
What is the 'Auto Top-up' feature and how does it work?
The **Auto Top-up** feature automatically recharges your integrated **Mumbai Metro** smart card with **₹200** from your credit card limit whenever the metro balance drops to **₹50**, ensuring you always have enough for your commute.
Is the Mumbai Metro SBI Card a good option for international travel?
The card is **not ideal** for international travel due to the high **Foreign Currency Mark-up Fee** of **3.5%**. It is primarily designed to maximize rewards and convenience for domestic, urban lifestyle, and commuting needs in **Mumbai**.
Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.