SBI Card ELITE Advantage
Updated 3 Jul 2026Source-linked
The SBI Card ELITE Advantage 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 2 quarterly 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.
SBI Card ELITE Advantage
- Joining Fee₹4,999
- Annual Fee₹4,999
- Best Suited ForLifestyle & travel
- Reward TypeReward Points (points)
Rewards Rate
- 5 pts per ₹100 on dining grocery departmental
- 2 pts per ₹100 on international spends
- Base 0.44% on other spends
Welcome Benefits
- Welcome e-Gift voucher worth ₹5,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)
SBIpremiumRewards and Benefits
Rewards Rate
5 pts per ₹100 on dining grocery departmental
2 pts per ₹100 on international spends
Base 0.44% on other spends.
Reward Redemption
Pay outstanding bill with points: 4 Reward Points = Re.1.
Welcome Benefits
Welcome e-Gift voucher worth ₹5,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)
Milestone Rewards
- ₹3,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹3 lakhs
- ₹4,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹4 lakhs
- ₹5,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹5 lakhs
- ₹8,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹8 lakhs
Domestic Lounge Access
2 visits each quarterly.
International Lounge Access
6 visits each annual.
Travel
N/A
Movie & Dining
FREE on BookMyShow
Golf
4 round(s) / monthly · 1 lesson(s).
Insurance Benefits
N/A
Other Benefits
- Club ITC Silver Tier Membership — Complimentary 1-year Club ITC Silver Tier Membership after first transaction within 60 days of card issuance.
Fees & Charges
Spend-Based Waiver
₹10,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.75% per month (45.0% 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 Visa network.
- Complimentary airport lounge access: domestic (2/quarterly) + 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.
Cons
- 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 departmental5X Reward Points on dining, departmental stores and grocery spends.
- 2 pts per ₹100 on international spends2 Reward Points per ₹100 on international transactions.
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 lakhs (≈ ₹2,500 value)
- ₹4,00,000 / annual: 10,000 Bonus Reward Points on annual spends of ₹4 lakhs (≈ ₹2,500 value)
- ₹5,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹5 lakhs (≈ ₹3,750 value)
- ₹8,00,000 / annual: 15,000 Bonus Reward Points on annual spends of ₹8 lakhs (≈ ₹3,750 value)
Airport lounge access
Domestic
2 visit(s) / quarterly. Via dreamfolks.
International
6 visit(s) / annual. Via priority-pass.
Max 2 visits per quarter. Priority Pass membership worth $99.
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 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
- 18–70
- Credit score
- —
- Income (salaried)
- —
- Income (self-employed)
- —
Secured 'Advantage' variant issued against a fixed deposit (FD-backed). TODO verify minimum FD amount and eligibility.