Welcome benefits:- Get a welcome e-gift voucher worth ₹5,000 Redeemable across top travel and lifestyle brands like Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
The SBI Card ELITE is a premium travel and lifestyle credit card ideal for frequent travelers and high spenders. It offers a wide range of benefits including complimentary access to domestic and international airport lounges, and discounts on flight and hotel bookings—both in India and abroad.
Beyond travel, the card also provides dining and entertainment perks, such as free movie tickets worth ₹6,000 annually, and reward points on everyday spending. With strong milestone benefits and a low foreign exchange markup fee, this all-rounder card adds great value for those who can make the most of its features. However, it comes with a relatively high annual fee of ₹4,999 + taxes, making it best suited for users who spend regularly across its reward categories.
Note: SBI Card ELITE is a top credit card that gives great benefits for travel, shopping, and movies. It includes free lounge visits, free movie tickets, extra rewards on spending, and low charges on international use—making it a good choice for people who spend a lot and travel often.
SBI Bank Elite Credit Card Rewards Program
Rewards Program:
5X Reward Points on dining, departmental stores, and grocery spends
2 Reward Points per ₹100 on all other spends (except fuel)
4 Reward Points = ₹1
Milestone Benefits: Cardholders can earn up to 50,000 bonus reward points worth ₹12,500 annually:
10,000 bonus points on spending ₹3 lakh
10,000 bonus points on spending ₹4 lakh
15,000 bonus points on spending ₹5 lakh
15,000 bonus points on spending ₹8 lakh
These benefits make the SBI Card ELITE highly rewarding for users with high annual spends across everyday and lifestyle categories.
Other Features and Benefits
Welcome Benefit: Vouchers worth ₹5,000 from brands like Bata/Hush Puppies, Pantaloons, Yatra, Shoppers Stop, or Aditya Birla Fashion
Movie Benefit:2 free movie tickets worth ₹250 each per month on BookMyShow (up to ₹6,000 annually)
Domestic Lounge Access:2 complimentary visits/quarter at select domestic airport lounges across India
International Lounge Access:6 complimentary visits/year to international lounges (max 2/quarter) via Priority Pass
Low Forex Mark-up Fee: Just 1.99% on international transactions – lower than many other cards
Insurance Coverage: Up to ₹1 lakh cover against credit card fraud or unauthorized transactions
Concierge Services: Help with flower/gift delivery, online doctor consultations, and more
Fuel Surcharge Waiver:1% waiver on fuel spends between ₹500 – ₹4,000 (max benefit as per monthly limits)
Fees and Charges
Fee Type
Amount
Joining Fee
Rs. 4,999 + Taxes
Annual Fee
Rs. 4,999 + Taxes
Finance Charges
3.50% p.m. | 42% p.a.
Late Payment Charges
For Statement Balance:
Amount
Less than Rs. 500
Nil
Rs. 500 to Rs. 1,000
Rs. 400
Rs. 1,000 to Rs. 10,000
Rs. 750
Rs. 10,000 to Rs. 25,000
Rs. 950
Rs. 25,000 to Rs. 50,000
Rs. 1,100
Above Rs. 50,000
Rs. 1,300
Things to Know Before you apply
Get this card if:
You use your credit card for most of your monthly spending
You frequently go out for movies and dining
Free domestic and international lounge access is important to you
You want to earn extra rewards on grocery and departmental store purchases
Eligibility Criteria
Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history
Document Required For SBI Bank Elite Credit Card
Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
SBI Bank Elite Credit Card Hilights
What do we like about this card?
Get an e-Gift Voucher worth ₹5,000 on paying the annual fee
Enjoy free movie tickets worth ₹6,000 every year
Earn up to 50,000 bonus reward points worth ₹12,500 annually through milestone spends
Get complimentary Priority Pass membership (worth $99) for international lounge access
Pros
Extra reward points on everyday spends like grocery, dining, and departmental store purchases
Free lounge access at both domestic and international airports
Complimentary movie tickets worth up to ₹6,000 per year
Low foreign exchange mark-up fee of 1.99%
Cons
Low base reward rate on spends outside the bonus categories
Reward redemption value is low – ₹0.25 per point
No major travel benefits other than lounge access
SBI Bank Credit Card Contact Details
SBI Bank Credit Card offers multiple ways to get assistance for your credit card queries and services.
Contact Address: SBI Cards and Payment Services Limited, Wazirpur, New Delhi
Helpline: Dial 39 02 02 02 or 1860 180 1290 (prefix local STD code)
Simply SMS: Send an SMS to 5676791 from your registered mobile number.
Frequently Asked Questions
Everything you need to know about this credit card
The cash advance limit on the SBI Elite Credit Card is up to 80% of the total credit limit.
Yes, you can apply for multiple add-on cards for family members. Applications can be submitted online or at your nearest SBI branch.
Increasing the credit limit can positively impact your credit score. A high credit limit allows you more financial flexibility, especially during emergencies.
You can redeem reward Points online via the SBI Card website, at partner merchant stores, or you can also talk to the SBI Card helpline.
Yes, the card can be used at more than 24 million Visa outlets worldwide, including 3,25,000 locations in India.
The card replacement fee ranges from Rs. 100 to Rs. 250, based on the situation.
The SBI Card ELITE offers milestone rewards on annual spending, complimentary movie tickets worth ₹500 every month, and a fuel surcharge waiver of up to ₹250 per billing cycle.
The SBI Card ELITE comes with a one-time joining fee of ₹4,999 + taxes.
The annual/renewal fee is ₹4,999 + taxes, which is waived off if you spend ₹10 lakh or more in the previous year.
Yes. SBI Card ELITE offers:
6 complimentary international airport lounge visits per year (2 visits/quarter via Priority Pass).
8 complimentary domestic lounge visits per year (2 visits/quarter at major Indian airports).
Annual Fee: ELITE (₹4,999) is higher than PRIME (₹2,999).
Rewards: ELITE offers 2 Reward Points per ₹100 spent + milestone benefits; PRIME offers 2 Reward Points per ₹100 but with more milestone-based value-back.
Lounge Access: ELITE has both international + domestic lounge access, PRIME offers only domestic access.
Premium Perks: ELITE comes with Club Vistara & Trident membership, free movie tickets, and higher luxury benefits. PRIME is better for everyday users seeking moderate lifestyle perks.
No. The SBI Card ELITE is not lifetime free. However, the annual fee can be waived if your annual spends cross ₹10 lakh.
SBI AURUM is the most premium SBI credit card, above ELITE, with an annual fee of ₹9,999. It offers higher luxury privileges such as unlimited lounge access, luxury hotel benefits, airport concierge, and exclusive rewards.
SBI ELITE is slightly lower-tier but still premium, with strong lifestyle and travel benefits.
- Choose AURUM if you’re a high spender looking for luxury experiences, and ELITE if you want premium lifestyle perks at a lower fee.
For Premium Lifestyle: SBI ELITE or SBI AURUM.
For Online Shopping: SBI SimplyCLICK.
For Travel: SBI PRIME or SBI ELITE.
For Cashback: SBI Cashback Credit Card.
For Beginners: SBI SimplySAVE.
You can increase your limit by:
Maintaining good repayment history and low credit utilization.
Using the card actively for high-value purchases.
Responding to SBI’s pre-approved limit enhancement offers (SMS/email).
Requesting a limit increase through the SBI Card app/website or by contacting customer care. SBI may ask for income proof (latest salary slip/ITR).
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
State bank of india
Airport Lounge Access
Entertainment
Reward Points
