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Overview Eligibility Features & Benefits Fees & Charges Documents FAQs Terms & Conditions

Product Overview

SBI Elite

SBI ELITE Credit Card is a premium lifestyle credit card offered by SBI Card, designed for high spenders who want benefits on travel, movies, dining, and rewards. It provides luxury perks like lounge access, milestone rewards, and premium vouchers.

Great Rewards
Wide Acceptance
100% Digital & Secure

Eligibility Criteria

Applicant must be an Indian resident or NRI (as per bank policy)
Age: 21 to 70 years
Salaried or self-employed individual
Stable income source
Good CIBIL score (750+ preferred)

Features & Benefits

Welcome benefit: ₹5,000 e-gift voucher on joining
Complimentary movie tickets worth ₹6,000 annually (₹500/month)
Earn 5X reward points on dining, groceries & departmental stores
Earn 2 reward points per ₹100 on other spends
Complimentary airport lounge access (domestic & international with Priority Pass)
1% fuel surcharge waiver (₹500–₹4,000 transactions)
Milestone benefits: Bonus reward points up to 50,000 annually
Low forex markup ~1.99% (good for international usage)

Fees & Charges

Joining Fee: ₹4,999 + GST
Annual Fee: ₹4,999 + GST (waived on high spend ~₹10L)
Interest Rate: Up to ~3.5%–3.75% per month
Cash Advance Fee: 2.5% (min ₹500)
Forex Markup: ~1.99% (lower than most cards)
Late Payment Charges: As per SBI Card policy

Documents Required

Identity Proof (PAN Card mandatory)
Address Proof (Aadhaar / DL / Voter ID etc.)
Income Proof (Salary Slip / ITR / Form 16)
Bank Statements (last 3–6 months)
Passport-size photographs

FAQs

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It offers premium benefits like lounge access, movie tickets, and high reward points on lifestyle spending.

Yes, annual fee can be waived on high annual spending (around ₹10 lakh).

Yes, both domestic and international lounge access with Priority Pass membership.

5X reward points on dining, grocery & departmental stores.

High-income individuals, frequent travelers, and heavy spenders.

Terms & Conditions

Reward points are subject to category exclusions and caps
Lounge access may be subject to usage conditions
Approval is subject to SBI Card credit policy
Fees and benefits may change as per guidelines
Late payments may attract penalties and impact credit score

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Card At A Glance
Joining Fee Free
Annual Fee Free
Rewards Welcome benefit: ₹5,000 e-gift voucher on joining
Best For Shopping & Lifestyle
Network Visa / RuPay
Card Type SBI CARD