SBI Card Elite
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SBI Card

SBI Card Elite

Visa
Premium

Your rating

Community rating

Best for Travel and premium rewards

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Rate

0.5% – 2.5%

Forex Markup

1.99%

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Key Benefits

5X Reward Points on dining, groceries & departmental store spends
2 Reward Points per ₹100 on all other eligible retail spends
Complimentary ₹5,000 e-gift voucher as welcome benefit
6 complimentary domestic airport lounge visits + 6 international lounge visits per year
Complimentary Priority Pass membership
Up to ₹6,000 annual movie benefits via BookMyShow offer
Annual fee waiver on ₹10 lakh annual spends

Rewards

How you earn back on every swipe

points

Reward type

0.5% – 2.5%

Earn rate

5

Points / ₹100

₹0.25

Per point

24 months

Point expiry

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹4,999
Annual fee₹4,999
Fee waiver on annual spend₹10,00,000
Interest-free period50 days
Interest rate (APR)42%
Late payment fee (max)₹1,300
Cash advance fee2.5% (min ₹500)
Over-limit fee2.5%
Forex markup1.99%
Fuel surcharge waiverYes (₹500–₹4000)

Travel & Lounge Access

Airport perks included with this card

2 per quarter

Domestic lounge visits

6 per year

International lounge visits

Priority Pass

Included with this card

Things to Keep in Mind

  • High joining/annual fee of ₹4,999
  • No reward points on fuel transactions
  • EMI transactions excluded from rewards

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 65
Min. income₹50,000/month
CIBIL score750+

Employment type

SalariedSelf-employed

Pros & Cons

Pros
  • Strong lifestyle-focused premium credit card
  • Good domestic and international lounge access
  • Valuable movie and entertainment benefits
  • Welcome vouchers offset a large part of first-year fee
  • Good dining and premium merchant offers
  • Premium Visa Signature / Mastercard World privileges
  • Suitable for frequent travelers and urban professionals
Cons
  • High annual fee of ₹4,999 + GST
  • Reward redemption value is average compared to top travel cards
  • Annual fee waiver threshold is extremely high
  • Forex markup is high for international spending
  • Best rewards limited to selected categories
  • Premium travel benefits weaker than newer competitors like Magnus or Regalia Gold
  • Reward exclusions apply on fuel, wallet loads, EMI, and rent
  • Not ideal for users preferring direct cashback rewards

Who is this card for?

Professionals spending ₹80,000–₹1,50,000/month who travel domestically and internationally and want SBI's most rewarding all-round card with lounge access and travel benefits.

Quick Links

View on bank website

Data last updated 18 Mar 2026

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