State Bank of India
SBI Card Mumbai Metro
3.6 / 5rupay
- Joining fee
- ₹499
- Annual fee
- ₹499
- Base reward
- 0.17%
- Min income
- —
- Forex markup
- 3.5%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Travel | 1.67% | Uncapped |
Benefits
- ▸Functions as both a credit card and an integrated Mumbai Metro smart card
- ▸Auto top-up of ₹200 to the metro card when balance drops to ₹50
- ▸10x Reward Points on every Mumbai Metro auto top-up
- ▸1 RP per ₹150 on other retail spends (reward point ≈ ₹0.25)
- ▸1% fuel surcharge waiver (₹500–₹3,000, max ₹100/month)
- ▸RuPay network enables UPI linking
The good
- + Integrated metro smart card with auto top-up — no separate card needed
- + 10x reward points on metro top-ups
- + Low ₹499 fee and RuPay UPI support
- + Convenient for daily Mumbai Metro commuters
The catch
- − Niche benefit limited to Mumbai Metro commuters
- − Only ~0.17% base value back on general spends
- − No lounge access or welcome bonus
- − No annual fee waiver condition published