SBI Card ELITE
The SBI Card ELITE is a premium credit card from SBI Card, with a joining fee of ₹4,999 + GST.
It earns up to 5 pts per ₹100 (≈1.1% value) on dining grocery departmental spends in the form of reward points (points).
Cardholders get 8 annual domestic + 6 annual international airport lounge access, plus welcome e-gift voucher worth ₹5,000 (yatra / hush puppies / bata / pantaloons / aditya birla fashion / shoppers stop) as a welcome benefit.
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
- 5 pts per ₹100 on dining grocery departmental
- Base 0.44% on other spends
- Welcome e-Gift voucher worth ₹5,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)
SBIworldpremiumRewards and Benefits
- ₹3,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹3 lakh
- ₹4,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹4 lakh
- ₹5,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹5 lakh
- ₹8,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹8 lakh
- Club ITC Silver tier membership — Complimentary 1-year Club ITC Silver Tier Membership (eligible after first transaction within 60 days of card issuance).
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Groceries₹88/mo
You spend ₹8,000 · earns 1.1% = ₹88 uncapped
- Valued at realized redemption value
- Dining & food delivery₹88/mo
You spend ₹8,000 · earns 1.1% = ₹88 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Online shopping₹15,000 · 0.4% = ₹66/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Travel & hotels₹10,000 · 0.4% = ₹44/mo
- Utilities & bills₹5,000 · 0.4% = ₹22/mo
₹3,696 rewards − ₹4,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Product Details
- premium card issued by SBI Card.
- Joining / annual fee of ₹4,999 + GST, waived on annual spends of ₹10,00,000.
- Available on the Mastercard network.
- Complimentary airport lounge access: domestic (8/annual) + international (6/annual).
Pros & Cons
- Annual fee waivable on ₹10,00,000 spend.
- Low forex markup of 1.99% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Milestone-based bonus rewards on annual / quarterly spend thresholds.
- No rewards on fuel spends.
₹5,000 welcome benefit
- Welcome e-Gift voucher worth ₹5,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 5 pts per ₹100 on dining grocery departmental
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Milestone benefits
- ₹3,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹3 lakh (≈ ₹2,500 value)
- ₹4,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹4 lakh (≈ ₹2,500 value)
- ₹5,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹5 lakh (≈ ₹3,750 value)
- ₹8,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹8 lakh (≈ ₹3,750 value)
Airport lounge access
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Other benefits
- Club ITC Silver tier membership. Complimentary 1-year Club ITC Silver Tier Membership (eligible after first transaction within 60 days of card issuance).
Sources
- : www.sbicard.com · retrieved 3 Jul 2026
Last verified 3 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- —
- Income (self-employed)
- —