SBI ELITE Credit Card

  • Joining Fee: Rs. 4,999 + GST
  • Renewal Fee: Rs. 4,999 + GST
  • Best Suited For: Movies | Travel | Shopping
  • Reward Type: Reward Points
  • Welcome Benefites: E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
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SBI ELITE Credit Card is a premium credit card by SBI Card and comes with an annual membership fee of Rs. 4,999. It used to be the most premium offering by SBI Card; however, after the launch of the SBI AURUM Credit Card earlier this year, it is now the second most premium credit card offered by SBI Card. Being a premium offering, the SBI Bank ELITE Credit Card comes packed with some of the best-in-class value-added privileges that one expects from a premium credit card, including complimentary domestic and international lounge visits, complimentary shopping vouchers, and discounted rates on hotel bookings, free movie tickets and many other add-on benefits. Talking about this card’s reward rate, you earn 2 Rewards on every Rs. 100 purchase with the card (reward rate of 0.5% as 1 Reward Point = Rs. 0.25) and 5X Reward Points per Rs. 100 on departmental stores, dining, and grocery spends (reward rate of 2.5%). SBI ELITE Credit Card comes in three variants- Visa, MasterCard, and American Express.  While most benefits are the same across all three variants, the payment networks offer some exclusive benefits as well. For example, you get complimentary golf games with the MasterCard variant and discounted dining rates with the AmEx variant of the card. Read on for more information about this premium offering by SBI Card.

New Features

Spend Based Waiver

Renewal fee of Rs. 4,999 is waived on annual spends of Rs. 10 lakh or more in the preceding year

Interest Rates

3.50% per month (42% per annum)

Add-on Card Fee


Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Fuel Surcharge

1% fuel surcharge waiver on transactions between  Rs. 500 and Rs. 4,000 at all fuel stations across India (max waiver capped at Rs. 250 per month)

Foreign Currency Markup

1.99% of the transaction amount

Cash Advance Charges

2.5% of the transaction amount, subject to a minimum charge of Rs 500

Movie & Dining

Get free movie tickets every month (max benefit capped at Rs. 6,000 per year and Rs. 250 per ticket, offer valid for at least 2 tickets per booking per month), dining offers with up to 25% discount at partner restaurants (with American Express variant only)


Complimentary CV (Club Vistara) Membership, complimentary Trident Privilege Red Tier membership, and free domestic and international airport lounge access.

International Lounge Access

6 complimentary visits to international airport lounges per year (max 2 per quarter) with the Priority Pass program.

Rewards Rate

2 Reward Points on every Rs. 100 you spend on retail purchases, 5X Reward Points on dining spends, departmental stores, and grocery purchases (reward rate of 2.5%)


4 complimentary rounds of green fees and up to 50% off on golf games along with 1 free lesson per month at selected golf courses across the country (you get it only with the MasterCard variant of the card)

Insurance Benefits

Zero liability protection against lost card worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card to the bank.

Reward Redemption

Reward Points are redeemable against gift vouchers on or SBI mobile app or for paying the outstanding balance of the card, 1 Reward Point = Rs. 0.25

Domestic Lounge Access

2 complimentary visits to domestic airport lounges every quarter

Zero Liability Protection

Get an insurance cover worth Rs. 1 lakh that is applicable from 48 hours prior to 7 days post reporting the loss of card


With this card, you can enjoy welcome benefits worth Rs. 5000. You get 2 domestic lounge visits per quarter and 6 complimentary international lounge access in a year with the SBI Elite Credit Card.


This card offers a lower reward rate compared to other cards available.

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