Best SBI Credit Cards For International Usage

International travel is always thrilling. But if you don’t use the correct credit cards for your foreign transactions, it may get extremely pricey. The majority of credit cards charge a unique form of transaction which is a Foreign Currency Markup Fee, which varies between 3.5% + GST and represents about 4% of the real spend value.

In India, SBI is the largest commercial bank that provides a wide range of credit cards to fit various consumers. Here are some of the best SBI credit cards which have low markup fees, and also provide users reward points for each purchase.

Features and Benefits of the Top SBI credit cards for International Usage.

1.    Air India SBI Signature Card

If you frequently fly with Air India then this SBI Credit card is the best option for you. The card comes with a welcome bonus of 5000 Reward Points that can be easily exchanged into Air India miles at the rate of 1 reward point = 1 Air India Miles. Card also offers complimentary membership to the Flying Returns reward programs from Air India. Here is a list of fees and features of the card. 

Joining Fee

Rs. 4,999 (including taxes)

Renewal Fee

Rs. 4,999 (including taxes)

Foreign Currency Markup

3.5% of the transactional amount.

Lounge Access

8 Complimentary Visits to India’s domestic VISA lounges.

Add-on Cards

Available for spouses, kids, parents, or siblings.

Emergency Card Replacement

Yes

Global Acceptance

Accepted at over 2 million locations internationally and over 2,85,000 stores in India.

Lost Card Liability Cover

You will get a free insurance cover of Rs. 1 lakh against card loss, valid from 48 hours before to 7 days after reporting.

Cash Advance Fee

2.5% or Rs. 500 (whichever is greater)

Fuel Surcharge

1% of fuel surcharges is waived for transactions between Rs. 500 and Rs. 4,000.

2.    Etihad Guest SBI Card

In 2019, SBI Cards introduces the Etihad Guest SBI Card in collaboration with the airline based in the UAE, Etihad Airways. These cards were introduced at a period when the travel industry was at its peak and a sizable part of all credit card spending was spent on travel-related costs. With this card, you can book flights with Etihad Airways and earn Airmiles at a quite high reward rate. You can also earn respectable reward points on other purchases. Also, you will receive access to a variety of additional travel-related benefits with this card.

Joining Fee

Rs. 1,499 (including taxes)

Renewal Fee

Rs. 1,499 (including taxes)

Foreign Currency Markup

3.5% (including taxes)

Lounge Access

With the Visa Lounge Program, you get 8 free domestic lounge visits per year. (up to 2 per quarter)

Free Priority Pass membership, valued at $99.

Add-on Cards

Available for spouses, kids, parents, or siblings.

Emergency Card Replacement

Yes

Global Acceptance

Accepted at over 24 million locations internationally and over 3,25,000 stores in India.

Lost Card Liability Cover

You will get a free insurance cover of Rs. 1 lakh against card loss, valid from 48 hours before to 7 days after reporting.

Cash Advance Fee

2.5% of the money that was withdrawn (subject to a minimum charge of Rs. 500)

Fuel Surcharge

1% of fuel surcharges is waived for transactions between Rs. 500 and Rs. 4,000.

3.    Yatra SBI Credit Card

Yatra SBI credit card is a co-branded travel credit card that was introduced in collaboration with Yatra.com. The card offers travelers a number of advantages and rewards. With this card, you may save Rs. 1,000 on domestic ticket reservations and Rs. 4,000 on international airline bookings.

Joining Fee

Rs. 499 (including taxes)

Renewal Fee

Rs. 499 (including taxes)

Foreign Currency Markup

2.5% of the withdrawal amount, with a minimum of Rs. 300.

Lounge Access

You receive 2 domestic travel vouchers for Rs. 500 and 2 International travel vouchers for worth Rs. 1,000.

Add-on Cards

Available for spouses, kids, parents, or siblings.

Emergency Card Replacement

Yes

Global Acceptance

Accepted at over 24 million locations internationally and over 3,25,000 stores in India.

Cash Advance Fee

2.5% of the money that was withdrawn (subject to a minimum charge of Rs. 300)

Fuel Surcharge

1% of fuel surcharges is waived for transactions across all petrol pumps in India.

Conclusion

If you are a regular traveler, then this credit card might help you save on the cost of your trips. Customers of this card receive a ton of deals and savings on hotel and travel bookings. Yatra SBI card gives a less reward percentage for everyday expenditures but a greater amount of 1.5% for retail, grocery, dining, entertainment, and overseas transactions. This card is best for customers who often book domestic hotels.

Read More: Why Do Credit Cards Have Expiration Dates?

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