SBI Elite credit card

SBI Elite

SBI Card · Visa

SBI Elite is a premium card with milestone benefits, lounge access, and Trident hotel privileges.

Annual Fee

₹4,999

Joining Fee

₹4,999

Base Reward Rate

2X

₹0.5/pt

Min CIBIL

750

₹15L+ income

Key Features

Premium card with 5X rewards on dining, movies and grocery
2X rewards on all other spends
8 complimentary domestic airport lounge visits per year
4 complimentary international lounge visits via Priority Pass
Complimentary Club Vistara / Air India Silver tier membership
Annual fee partially offset by e-gift vouchers
Milestone spend rewards and annual anniversary benefits
Comprehensive travel insurance cover

Welcome Benefits

✓

₹5,000 E-Gift Voucher on Joining

Receive ₹5,000 in e-gift vouchers from Yatra, Hush Puppies or Pantaloons on paying the joining fee

✓

Complimentary Club Vistara Silver Membership

Automatic Club Vistara / Air India Silver status with priority check-in, extra baggage allowance and milestone tier benefits

Reward Rates by Category

Dining

5X

Travel

5X

Online

5X

Shopping

5X

Grocery

5X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
DiningDining5X
GroceryGrocery5X
MoviesEntertainment5X
Departmental StoresRetail5X

Milestone Benefits

₹3.0 L

₹2,000 E-Gift Voucher

Earn a ₹2,000 e-gift voucher on spending ₹3 lakhs in a membership year

Annual

₹5.0 L

₹4,000 E-Gift Voucher

Earn a ₹4,000 e-gift voucher on crossing ₹5 lakhs in annual spend

Annual

Airport Lounge Access

Domestic

6 visits/year

International

2 visits/year

Insurance & Protection

Air Accident Cover

When travel tickets purchased on card

₹1 Crore

Overseas Medical Insurance

Emergency medical on international travel

USD 50,000

Baggage & Trip Cancellation

Covers baggage loss, delay and trip cancellation

Comprehensive

Zero Liability on Lost Card

Report promptly

100% fraudulent charges

Pros

  • 5X rewards on dining and shopping
  • 6 domestic lounge visits/year
  • 2 international lounge visits/year
  • Trident hotel privileges
  • Milestone benefits up to Rs 10,000

Cons

  • High annual fee with no waiver
  • Income requirement Rs 15L+
  • Average point value

Redemption Options

Flight tickets

Good₹0.5/pt

Hotel bookings

Good₹0.5/pt

Amazon vouchers

Standard₹0.35/pt

Frequently Asked Questions

What earn rate on dining and grocery?+
5X reward points on dining, movies, grocery and departmental stores. 2X on all other spends.
Lounge access?+
8 complimentary domestic lounge visits per year (2/quarter) and 4 international visits via Priority Pass.
What is the welcome benefit?+
₹5,000 e-gift voucher on joining. Plus milestone vouchers of ₹2,000 on ₹3 lakh spend and ₹4,000 on ₹5 lakh spend.
Annual fee?+
₹4,999. Partially offset by welcome and milestone vouchers if you spend adequately.
What airline status comes with it?+
Complimentary Club Vistara / Air India Silver membership with priority check-in and extra baggage on eligible flights.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

User Reviews

No reviews yet. Be the first to share your experience.

✍️

Share your experience

Have this card? Help others decide.

Sign in to write a review

New here? Create a free account

SBI Elite

₹4,999/yr · 2X rewards