SBI Card ELITE
Updated 15 Apr 2026Source-linked
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% back on dining grocery departmental spends in the form of reward points (points).
Cardholders get 8 annual domestic + 6 annual international airport lounge access, plus e-gift voucher worth ₹5,000 (pantaloons / yatra / aldo / bata / shoppers stop / marks & spencer / hamleys) as a welcome benefit.
SBI Card ELITE
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 5% on dining grocery departmental
- Base 0.50% on other spends
Welcome Benefits
- e-Gift voucher worth ₹5,000 (Pantaloons / Yatra / Aldo / Bata / Shoppers Stop / Marks & Spencer / Hamleys)
SBIworldpremiumRewards and Benefits
Rewards Rate
5% on dining grocery departmental
Base 0.50% on other spends.
Reward Redemption
Redeem at ₹0.25 per unit.
Welcome Benefits
e-Gift voucher worth ₹5,000 (Pantaloons / Yatra / Aldo / Bata / Shoppers Stop / Marks & Spencer / Hamleys)
Milestone Rewards
- ₹3,00,000 / annual: Spend milestone reward worth ₹5,000
- ₹4,00,000 / annual: Additional reward worth ₹5,000
- ₹5,00,000 / annual: Further reward worth ₹5,000
- ₹8,00,000 / annual: Further reward worth ₹5,000
Domestic Lounge Access
8 visits each annual.
International Lounge Access
6 visits each annual.
Travel
N/A
Movie & Dining
FREE on BookMyShow
Golf
N/A
Insurance Benefits
N/A
Other Benefits
- Club Vistara Silver tier (historical) — Complimentary Club Vistara Silver (discontinued post Vistara-AI merger; replaced with equivalent partner offer).
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
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
Pros
- 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.
- Accelerated earn rate of 5% on dining grocery departmental.
Cons
- No rewards on fuel spends.
₹5,000 welcome benefit
- e-Gift voucher worth ₹5,000 (Pantaloons / Yatra / Aldo / Bata / Shoppers Stop / Marks & Spencer / Hamleys)Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 5% 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: Spend milestone reward worth ₹5,000 (≈ ₹5,000 value)
- ₹4,00,000 / annual: Additional reward worth ₹5,000 (≈ ₹5,000 value)
- ₹5,00,000 / annual: Further reward worth ₹5,000 (≈ ₹5,000 value)
- ₹8,00,000 / annual: Further reward worth ₹5,000 (≈ ₹5,000 value)
Airport lounge access
Domestic
8 visit(s) / annual. Via dreamfolks.
International
6 visit(s) / annual. Via priority-pass.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.
Other benefits
- Club Vistara Silver tier (historical). Complimentary Club Vistara Silver (discontinued post Vistara-AI merger; replaced with equivalent partner offer).
Sources
- : www.sbicard.com · retrieved 15 Apr 2026
Last verified 15 Apr 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–65
- Credit score
- 750+
- Income (salaried)
- —
- Income (self-employed)
- —