What are the welcome benefits of the SBI Card ELITE?

The SBI Card ELITE offers a welcome e-Gift Voucher worth Rs. 5,000, redeemable across various travel and lifestyle brands like Yatra, Pantaloons, and Shoppers Stop.

What are the joining and renewal fees for the SBI Card ELITE?

The joining fee for the SBI Card ELITE is Rs. 4,999 + Taxes, which includes a welcome gift. The renewal fee is also Rs. 4,999 + Taxes annually.

How can I get a waiver on the annual renewal fee for my SBI Card ELITE?

The annual renewal fee for your SBI Card ELITE is waived if you achieve annual spends of Rs. 10 lakh or more in the preceding membership year.

How do I earn reward points with the SBI Card ELITE?

With the SBI Card ELITE, you earn 5X Reward Points (10 RPs/Rs.100) on dining, departmental stores, and groceries, capped at 10,000 RPs monthly. All other spends earn 2 RPs/Rs.100.

Does the SBI Card ELITE offer airport lounge access?

Yes, the SBI Card ELITE provides 2 complimentary domestic airport lounge visits per quarter and 6 complimentary international airport lounge visits per year via Priority Pass.

What are the movie benefits offered by the SBI Card ELITE?

The SBI Card ELITE offers free movie tickets worth Rs. 6,000 annually, valid for at least 2 tickets per booking per month with a maximum discount of Rs. 250 per ticket.

What is the foreign currency markup on the SBI Card ELITE?

The SBI Card ELITE has a competitive foreign currency markup of 1.99% on international usage, making it beneficial for overseas transactions.

How can I redeem the reward points earned on my SBI Card ELITE?

Reward points on your SBI Card ELITE can be redeemed for e-vouchers, products from a catalogue, or against your card's outstanding balance, with 4 Reward Points equalling Rs. 1.

What are the eligibility criteria for the SBI Card ELITE?

To be eligible for the SBI Card ELITE, self-employed individuals need to be 21-60 years, salaried 18-65 years, with a minimum income of Rs. 60,000 per month and an excellent credit score.

What are the key security features of the SBI Card ELITE?

The SBI Card ELITE is Chip and PIN enabled for enhanced security against fraud and also includes a complimentary credit card fraud liability cover of Rs. 1 lakh.

State Bank of India

SBI ELITE Credit Card

DiningShoppingTravel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

Welcome e-Gift Voucher worth Rs. 5,000, redeemable across select travel and lifestyle brands.

Rewards Rate

5X RPs (10 RPs/Rs.100) on Dining, Dept. Stores, Groceries; 2 RPs/Rs.100 on other spends.

Reward Type

Reward Points

Reward Redemption

Redeem for e-vouchers, catalogue products, or against outstanding balance (1 RP = Rs. 0.25).

Domestic Lounge Access

2 complimentary Domestic Airport Lounge visits every quarter in India.

International Lounge Access

Complimentary Priority Pass membership; 6 international lounge visits/year (max 2/quarter).

Premium Benefits

4 complimentary green fees, up to 50% off golf games, 1 free golf lesson/month (Mastercard).

Insurance Coverage

Complimentary Rs. 1 lakh fraud liability cover. Air accident cover (Rs. 1 Cr) discontinued 15 July 2025.

Movie

Free movie tickets worth Rs. 6,000 every year (max Rs. 250/ticket, 2 tickets/booking/month).

Dining

5X RPs on dining. Up to 25% off at partner restaurants & 15% off at Lalit Hotels.

Travel Benefits

Complimentary lounge access, discounts on hotels (Lalit) & car rentals (Hertz, Avis), luxury hotel privileges.

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Frequently Asked Questions

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