OLA SBI Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Mid-Range
The OLA SBI Card is a Mid-Range Visa credit card issued by SBI Card, best suited for ride users. It carries a joining fee of ₹499, with an interest rate of 3.5% per month. Key benefits include Ride cashback and OLA money rewards. New cardholders get a welcome benefit of Welcome cashback. On fees — No airport lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹2,00,000/year to qualify. It falls under the Co-branded, Shopping, and Fuel category on CreditCardHunt.
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Why Choose the OLA SBI Card?
The OLA SBI Card is a Mid-Range-tier Visa credit card issued by SBI Card, rated 4.2/5 by the Credit Card Hunt editorial team. It is best suited for Ride users. With a reward rate of OLA money rewards and an annual fee of ₹499, it ranks among the popular Co-branded cards in India in 2026.
New cardholders are welcomed with Welcome cashback, which adds immediate value in the first year and helps recover the ₹499 joining fee.
OLA SBI Card Fees & Charges
| Annual Fee | ₹499 |
|---|---|
| Joining Fee | ₹499 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
OLA SBI Card Rewards & Benefits
| Reward Rate | OLA money rewards |
|---|---|
| Welcome Bonus | Welcome cashback |
| Lounge Access | None |
| Best For | Ride users |
Key Highlights of the OLA SBI Card
- Ride cashback
- OLA money rewards
OLA SBI Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 700+
- Minimum income: ₹2,00,000/year
Minimum Income Required: ₹2,00,000/year
Advantages of the OLA SBI Card
- Transport cashback — a highlight among SBI Card's mid-range lineup.
Drawbacks of the OLA SBI Card
- Niche may not suit every applicant.
OLA SBI Card — Frequently Asked Questions
What is the annual fee of the OLA SBI Card?
The OLA SBI Card has an annual fee of ₹499 and a joining fee of ₹499. New cardholders receive Welcome cashback as a welcome benefit, which helps offset the joining cost.
Does the OLA SBI Card offer airport lounge access?
No, the OLA SBI Card does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the OLA SBI Card?
The minimum income requirement is ₹2,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the OLA SBI Card?
The OLA SBI Card earns OLA money rewards. It is best suited for Ride users.
Credit Cards Similar to the OLA SBI Card
If you are considering the OLA SBI Card, these co-branded credit cards are worth comparing before you apply:
- AU ixigo Credit Card by AU Small Finance Bank — rated 4.7/5, NIL annual fee
- Tata Neu Infinity Credit Card by HDFC Bank — rated 4.6/5, ₹1,499 annual fee
- Marriott Bonvoy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹3,000 annual fee
- Swiggy HDFC Credit Card by HDFC Bank — rated 4.6/5, ₹500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.2/5