SGI Exclusive CUB CSK/SRH Credit Cards
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Open to new applications · Earns points
First-year fee
RuPay Platinum ₹500 + GST; Master Platinum ₹1000 + GST; Master World ₹4000 + GST, levied after card activation
Annual fee
From the 2nd year onwards: RuPay Platinum ₹500 + GST (waived on spends of ₹2L); Master Platinum ₹1000 + GST (waived on spends of ₹3L); Master World ₹4000 + GST (waived on spends of ₹5L)
What it gives back
Master Platinum 1 RP per ₹125.
How it compares
Compared with the cards we have read
Fees
Annual fee
From the 2nd year onwards: RuPay Platinum ₹500 + GST (waived on spends of ₹2L); Master Platinum ₹1000 + GST (waived on spends of ₹3L); Master World ₹4000 + GST (waived on spends of ₹5L)
Joining fee
RuPay Platinum ₹500 + GST; Master Platinum ₹1000 + GST; Master World ₹4000 + GST, levied after card activation
Fee waiver rule
Annual fee waived on spends of ₹2L (RuPay Platinum), ₹3L (Master Platinum), ₹5L (Master World)
Add-on card fee
₹500.
Rewards
Reward rate
Master Platinum 1 RP per ₹125.
Also included
Fuel surcharge waiver
1% fuel surcharge waiver on fuel purchases at all fuel stations across India: RuPay Platinum variants - between ₹400 and ₹3,000 only, Max benefit of ₹300 per statement cycle; Master Platinum and Master World variants - between ₹400 and ₹5,000 only, Max benefit of ₹500 per statement cycle
Charges
Forex markup
3.5% on foreign currency transactions.3.5% of transaction amount
Dynamic currency conversion markup
3.5%3.5% of transaction amount (foreign currency transaction fee / DCC fee)
Cash advance fee
Up to 3% of cash withdrawal amount or ₹250 whichever is higher
Cash advance interest
Interest will be charged on all cash advances from the date of the withdrawal until the date of payment
Interest on unpaid balance
3.50% per month (42% per annum)
Interest-free period
20 to 48 days interest-free when you pay in full.
Late payment fee
Outstanding dues up to ₹25,000: ₹350; above ₹25,000: ₹450
Over-limit fee
3% of the over limit amount, Minimum ₹250
Payment return or dishonour fee
₹300 per cheque return
Statement or duplicate statement fee
Statement request > 3 months: ₹50 per statement.
Card replacement fee
₹300 for card re-issue / replacement.
EMI conversion fee
EMI conversion fee: 2% with a Minimum of ₹200 and Maximum of ₹1,000; foreclosure of EMI: 5% of the Outstanding Amount
Fee on online skill-based gaming spends
1% fee on cumulative spends of ₹10,000 or more on online skill-based gaming transactions per statement cycle, applicable from 1st Oct 2025
Foreign ATM fee
Up to 3.5% of cash withdrawal amount or ₹1000 whichever is higher (any abroad ATM)
Wallet load charge
1% of the value of the transaction performed, applicable from 1st Oct 2025
Fuel transaction fee
1% fee on cumulative spends of ₹50,000 or more on fuel transactions per statement cycle, applicable from 1st Oct 2025
Rent transaction fee
1% of the value of the transaction performed (rental surcharge)
Utility transaction fee
1% fee on cumulative spends of ₹25,000 or more on utility transactions per statement cycle, applicable from 1st Oct 2025
GST note
GST is applicable to all fees, interest and other charges
Minimum amount due
MAD formula: 5% of the sum of all purchases and cash withdrawals, plus 100% of all interest/finance charges, fees and taxes
Eligibility
Eligibility
For Shriram General Insurance employees.
In the terms, not the brochure (1)
Whether carrying a balance ends the interest-free period
Interest will be charged if the Card Member does not pay back the previous bill in full by the payment due date.