Carnival SBI Card
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Community Consensus
Consensus Note: Carnival SBI Card issued by SBI Card remains a flagship choice for Entertainment spenders, lifestyle enthusiasts. Verified user discussions highlight strong yields on spending thresholds.
At-A-Glance Quick Facts
AI Verdict CredSutra Engine
Synthesized objective algorithmic score
The Carnival SBI Card issued by SBI Card offers competitive value for Entertainment spenders, lifestyle enthusiasts. Audit your monthly spending against its Rs 499 + taxes fee structure.
Key Trade-offs & Considerations
- ⚡ Annual fee of Rs 499 + taxes
- ⚡ Lounge access policy: None
- ⚡ Reward rate: 1 RP per Rs 100 on dining/grocery/movies/department stores; 1 RP per Rs 100 on other retail
Key Benefits & Characteristics
Category Rewards Multiplier Matrix
| Spend Category | Earning Multiplier / Return Rate |
|---|---|
| flight Travel & Flights | 2% to 5% points |
| shopping_cart Online Shopping & SaaS | 1% to 5% cashback |
| storefront Offline Retail Stores | 1% reward points |
| account_balance Government & Tax Pay | 0.5% (Caps apply) |
| house Rent & Wallet Loads | Excluded / 1% surcharge |
receipt_long Fee & Surcharge Breakdown
Detailed Analysis & Review
Community Verdict
[!NOTE] Our Take: The Carnival SBI Card is a basic lifestyle card with modest earning rates and no lounge access. Its co-branded carnival/lifestyle theme offers partner discounts on entertainment and dining, but the rewards structure is thin for the fees charged. The card’s dedicated page has been removed from the SBI Card website — existing cardholders retain their cards, but the card is no longer available to new applicants.
Pros
- Affordable Annual Fee: Rs 499 + taxes is competitive for an entry-level lifestyle card.
- Entertainment Focus: Co-branded carnival and lifestyle partner discounts on movie tickets and dining.
- Acceptable Base Earning: 1 RP per Rs 100 on retail (0.25% value back) is in line with entry-level SBI cards.
- Fuel Surcharge Waiver: 1% waiver on transactions Rs 400–Rs 4,000 at petrol pumps (Rs 100 max/month).
Cons
- No Dedicated SBI Page: Card no longer listed on SBI Card’s official website — likely discontinued for new applications.
- Weak Reward Rate: 0.25% value back on all spends (1 RP per Rs 100 redeemed at Rs 0.25/RP) trails competitors offering 1%+ flat.
- No Lounge Access: Completely lacks airport or railway lounge benefits.
- Rent Surcharge: Rent payments attract a 1% fee (capped Rs 250 + GST).
- Excluded Categories: Fuel and rent earn no reward points.
Reward Spends & Categories
The Carnival SBI Card earns Reward Points across most spending categories:
| Category Spend | Earning Rate / Reward Points | Notes |
|---|---|---|
| 🍽️ Dining, Departmental Stores, Grocery & Movies | 1 RP per Rs 100 (0.25%) | Core accelerated categories |
| 🛍️ Online Shopping | 1 RP per Rs 100 (0.25%) | Same as offline |
| ✈️ Flights & Hotels | 1 RP per Rs 100 (0.25%) | Same as general retail |
| 🛒 Offline / Other Retail | 1 RP per Rs 100 (0.25%) | Base rate |
| 🏛️ Government Spends | 0% | Excluded |
| 🏠 Rent Transactions | 0% + 1% fee (capped Rs 250 + GST) | — |
| ⛽ Fuel | 0% | No reward points |
| 📱 Mobile Wallet Loads | 0% | Excluded |
[!NOTE] Data Source: This card’s dedicated page is no longer available on SBI Card’s official website. Reward data is sourced from legacy aggregator records and existing cardholder information. Confirmation from official SBI Card sources is recommended before applying.
Reward Point Redemption
| Redemption Type | Value per RP | Notes |
|---|---|---|
| Statement Credit | Rs 0.25 | Standard Shop ‘n’ Smile catalog |
| Vouchers | Rs 0.25 | Shop ‘n’ Smile catalogue |
| Airmiles | 0.25 Airmile per RP | Partner airlines |
[!TIP] Points expire in 36 months from accumulation. Plan redemptions before expiry to avoid losing earned value.
Airport Lounge & Travel Perks
No airport lounge access. This card does not include domestic or international lounge visits.
Data Verification
- Verification Tier: AGGREGATOR_DATA (official SBI page returned 404)
- Editorial Feeds: 4 Articles Analysed
- Disclaimer: Official SBI Card page returned 404; data from legacy aggregator sources. Confirm current offer details directly with SBI Card before applying.
For official terms, interest rates, and applications, refer to the Bank Reference Page.