SBI Advantage Signature Card
CancelThe SBI Signature whose fee actually came back — at ₹10 lakh, on a page the plain one never printed.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: An e-gift voucher worth ₹5,000 from Yatra, Hush Puppies/Bata, Marks & Spencer, Westside or Shoppers Stop
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹34,000 a month
At ₹34,000 a month — ₹4,08,000 a year — on the everyday mix this card returns ₹7,000 gross (earn ₹2,000 + milestones ₹5,000) against its ₹4,999 fee = ₹2,000 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #1065
Why #1065 Ranks above plain SBI Signature on the two things that separate them: a ₹4,999 fee its own page reverses at ₹10 lakh of spend, and a finance charge SBI held roughly a quarter below its standard card rate. The earn side is identical, so nothing about the reward maths is being claimed here.
SBI Reward Points are four to the rupee — this card's own page says so in as many words, "4 Reward Points = Rs. 1". They reach no airline, no hotel and no transfer partner.
The take
For its first years this really was SBI Signature with a different word in the title; the 2012 captures of the two pages are identical down to the punctuation. Then SBI started maintaining them separately and the Advantage edition quietly became the better card. By 2017 its finance charge was 2.5% a month against the plain card's unmoved 3.35%, its milestone ladder had been rewritten to pay 10,000 Reward Points at ₹3 lakh and ₹4 lakh and 15,000 more at each of ₹5 lakh and ₹8 lakh, and — the part that matters — its fee reversed at ₹10 lakh of annual spend, where the plain Signature's ₹4,999 reversed at nothing whatsoever. Everything else is the Signature you know: ₹5,000 of welcome vouchers, 5X on dining, departmental stores, groceries and international spend with no stated cap, ₹500 off BookMyShow every month, an Aspire concierge, and the "complimentary Elite Priority Pass membership worth $99" that charged US$27 plus tax at every door — a membership, not a visit. SBI Card ELITE is the live card in this slot at the identical ₹4,999, with the same ₹10 lakh reversal, six genuinely free Priority Pass entries abroad and 1.99% forex against this card's 3.5%. It is strictly the better card, which is the only reason this one reads as a cancel.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹4,999/yr at stake · 5 spend bands
The charge ₹4,999/yr
The waiver ₹10,00,000 of spend in the year before renewal — about ₹83,333 a month — and the renewal fee is not charged.
Break-even ₹34,000 a month — ₹4,08,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,000 a year, net of the fee, at ₹3,00,000 of annual spend
₹6,800 a year, net of the fee, at ₹6,00,000 of annual spend
₹18,500 a year, net of the fee, at ₹12,00,000 of annual spend — this clears the waiver, so no fee is charged
₹30,500 a year, net of the fee, at ₹36,00,000 of annual spend — this clears the waiver, so no fee is charged
₹42,500 a year, net of the fee, at ₹60,00,000 of annual spend — this clears the waiver, so no fee is charged
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- ₹4,999 reversed on ₹10 lakh of annual spend — the plain SBI Signature's identical fee reversed at nothing
- 50,000 bonus Reward Points across ₹3L / ₹4L / ₹5L / ₹8L of annual spend — ₹12,500 a year, the card's own arithmetic
- Finance charges below SBI's standard card rate at every archived vintage from 2015 on — 2.25%, then 2.50% a month, against the plain Signature's unchanging 3.35%
- 5X Reward Points on dining, departmental stores, groceries and international spend, with no stated annual cap
- ₹500 off BookMyShow once every month, an Aspire Lifestyles concierge, and ₹1 lakh of card-fraud liability cover
Watch out
- Withdrawn — the last capture of the product page is October 2020, and the card is in neither SBI's 67-record product catalogue nor the fee table of its bank-wide MITC
- The ₹8 lakh top rung is real spending for ₹3,750 of points — the parent's ladder finished at ₹5 lakh
- The Elite Priority Pass membership was complimentary; every entry cost US$27 plus tax, so it bought no free visit
- 3.5% foreign-currency markup — SBI Card ELITE, the direct successor at the same fee, charges 1.99%
- Reward Points are fixed at four to the rupee and reach no airline or hotel programme
- Branch-sold: the plain Signature page carried an inline application form and this one never did
What these points actually fly
No live transfer route takes SBI Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
Does your spend count toward the fee waiver?
not published — and we say which
₹10,00,000 a year is the bar that waives the ₹4,999 fee. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the SBI Advantage Signature Card earns, but has not published which spend categories count toward the fee waiver and the milestones — the ₹10,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
0 of 793 tracked doors
No lounge access. This card opens exactly 0 of 793 tracked lounge doors — board with the crowd, or find a card that doesn't →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Closed to new applications — existing cardholders keep the card; there is no way in.
You cannot. SBI Card removed the product page — the last archived capture is 5 October 2020 — and the card appears in none of the documents SBI maintains today. SBI Card ELITE is the live product in this slot at the same ₹4,999, with the same ₹10 lakh reversal, 1.99% forex against this card's 3.5%, and airport entitlements that do not bill you at the door.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
no MITC row researched for this card yet · filter the board by what you can get →
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 4 of them, each with the day we read it
- official The last archived capture of SBI Card's own SBI Advantage Signature page (05-Oct-2020) — the ₹10 lakh fee reversal, the four-rung milestone ladder and the US$27 Priority Pass door charge
- official The same page in the capture week the 2026-08-22 refusal was decided from — the finance charge is 2.25% where the parent's is 3.35%, and the parent has an application form
- official The last vintage both pages were captured 02-Jul-2017 — where the milestone ladder and the fee reversal split away from the plain Signature's
- official SBI's bank-wide MITC fee table — four Advantage editions are priced in it today and this one is not, alongside the plain SBI Signature it is also missing