SBI Card
Yono SBI Advantage Credit Card
Your rating
Community rating
Best for First Credit Card
Joining Fee
Free
Annual Fee
Free
Reward Rate
1% – 5%
Forex Markup
3.5%
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Key Benefits
Lifetime free — no joining or annual fee
1% cashback on all online spends
5x rewards on dining and grocery
Apply exclusively via YONO SBI app
1% fuel surcharge waiver
Rewards
How you earn back on every swipe
1% – 5%
Earn rate
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Joining feeFree
Annual feeFree
Fee waiver on annual spendFree
Interest-free period50 days
Interest rate (APR)42%
Forex markup3.5%
Fuel surcharge waiverYes
Travel & Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
Metal Card
Contactless
UPI Linked
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
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Eligibility
Min. income₹16,667/month
CIBIL score650+
Quick Links
Data last updated 27 Apr 2026