SBI Card ELITE
VisaSBI Card ELITE earns 5X reward points on dining, movies, and entertainment; 1X on other spends, with movie vouchers and lounge access.
Welcome Benefit
5,000 reward points on joining + ₹1,000 gift voucher.
Estimated value: ₹3,999.2
Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹4,999 within 90 days of card issuance.
Fees & Charges
Rewards & Earn Rates
Program: SBI Reward Points (points) · 1 point = ₹0.25
| Category | Earn Rate |
|---|---|
| All Other Spends | 1 reward point per ₹100 |
| Dining/Movies/Groceries | 5 reward points per ₹100 |
Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.
Points expire after 24 months
Milestone Benefits
Earn 3,000 bonus reward points on crossing ₹3 lakh annual spend.
Value: ₹1,500
Milestone tracked from card anniversary date.
Lounge Access
6 domestic lounge visits per year.
Travel Benefits
Complimentary hotel upgrades at partner properties. Early check-in and late check-out at IHG and Marriott properties upon availability. Dedicated travel desk for itinerary planning.
5–10% additional discount on flight and hotel bookings made through the bank's travel portal (SmartBuy / Yatra / MakeMyTrip).
Lifestyle Benefits
Dining Discounts
15–25% discount at partner restaurants through the bank's dining programme (EazyDiner/Dineout/bank portal). Valid on dine-in only.
via EazyDiner / Dineout
Value: ₹3,600
Movie / Entertainment Offers
Buy-one-get-one free or flat discount on movie tickets via BookMyShow / PVR / INOX. Typically up to 2 tickets per month.
via BookMyShow / PVR / INOX
Value: ₹2,400
Insurance Cover
lost_card_liability
In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.
Zero liability on fraudulent transactions reported within 7 days
Zero Liabilitypurchase_protection
Purchase protection insurance covers eligible purchases made on the card against accidental damage or theft within 90 days from the date of purchase.
₹1,00,000 per claim
Forex & Fuel
Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.
Eligibility
Salaried: ₹60,000+ per month. Self-employed: ₹9,00,000+ p.a. Age: 21–70.
Editor Rating
Pros
- + Comprehensive premium benefits
- + Strong reward rate for high spends
- + Airport lounge and concierge access
Cons
- – High annual fee requires consistent high spend to justify
- – Some benefits require prior booking
The SBI Card ELITE is a premium credit card from State Bank of India with a balanced rewards programme. At ₹4,999/year, the card is best suited for high spenders who can leverage its premium benefits.