Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • SBI Card ELITE

    Apply online for the SBI Card ELITE that’s specially designed to meet the needs of frequent travellers. Enjoy the elite world with features like free golf rounds and access to airport lounges. Also, earn up to 5 reward points on every Rs.100 spent.
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    SBI Card ELITE is Rated as "Excellent!" by 157 Users

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    Fees & Charges

    Customer Service

    Promised Interest Rate

    Credit Card BYTES FROM OUR KITCHEN

    The SBI Card ELITE offered by the State Bank of India is ideal for people who love to travel around the world. This card is carefully designed for the elite customers of the bank by offering a wide range of offers and rewards on hotel bookings, air travel as well as all foreign transactions made.

    Apart from these benefits, this credit card also offers the usual benefits such as discounts on movie tickets, complimentary movie tickets, balance transfer on the EMIs and other forms of accelerated rewards. You can apply now for the card from the BankBazaar website or even the website of State Bank of India.

    Key Highlights of the SBI ELITE Credit Card:

    • The SBI Card ELITE is suitable for the people who usually travel extensively in the country as well as abroad. You as a card holder will receive several benefits and reward points with each transaction you make with the card.
    • This credit card comes with a welcome gift voucher worth Rs.5,000 which can be redeemed from any lifestyle or travel brands such as Yatra, Bata, Hush Puppies, Marks & Spencer, Pantaloons, etc.
    • You will be getting a complimentary Club Vistara Membership with this credit card with 1 voucher for complimentary airport lounge access as well as 1 upgrade voucher.
    • You as a cardholder will also be given a complimentary Trident Privilege Red Tier Membership with 1000 member points on registration.
    • With the credit card, you will also be given a complimentary membership to the Priority Pass Program which is an International Lounge Program and the Domestic Lounge Program.
    • You will be rewarded 5X points on dining, shopping in departmental stores partnered with SBI as well as for grocery purchases.
    • The annual fee is Rs.4,999 is waived off if the annual expenditure exceeds Rs.10 lakh in a year.

    Travel benefits of the SBI ELITE Credit Card:

    • Lounge access at international airports
    • Complimentary membership of Club Vistara
    • International transactions
    • Trident Privilege Red Tier membership
    • Domestic lounge access

    Offers on BankBazaar:

    Features and Benefits of the SBI ELITE Credit Card:

    Travelling Benefits:

    • Lounge access at international airports: You will get free membership to airport Priority Pass Program which worth $99 and is valid for 2 years. This benefit allows you to enjoy 6 free visits to more than 1,000 international airport lounges all around the globe in a year. You can visit up to 2 lounges in one quarter, which is 3 months.
    • Domestic lounge access: You, as an SBI ELITE credit cardholder will be entitled to 2 free visits to the lounges of any domestic airport in the country. The 2 free visits will be applicable per quarter.
    • Complimentary membership of Club Vistara: The people who own the SBI Card ELITE can opt for a complimentary membership of Club Vistara. This will entitle them to earn an airport lounge visit voucher as well as one upgrade voucher. You will be rewarded 9 points for every Rs.100 you spend on Vistara flights.
    • Trident Privilege Red Tier membership: By opting for the complimentary Trident red tier membership, you will be given special discounts on domestic as well as international hotel bookings. You will get 1,000 welcome points on registration to this program along with 1,500 bonus points on your first stay at a Trident hotel.
    • International transactions: The Elite card is accepted all over the world and offers a lesser foreign currency mark-up fee of 1.99% of the transaction amount. For every Rs.100 spent internationally, you will earn 2 reward points. You, as a cardholder can also enjoy concierge service that provides 24x7 assistance for making various bookings and reservations.

    Welcome Gift: You as a cardholder will be getting an e-voucher worth Rs.5,000 from a particular lifestyle or a travel brand. Once the annual fee is paid by you, the e-voucher will be sent to the registered e-mail ID within 15 days. The voucher can be redeemed online as well in the retail store.

    Milestone Benefit: You will receive 10,000 reward points if you spend Rs.3 lakh to Rs.4 lakh and 15,000 points on a spend an amount of Rs.4 lakh to Rs.5 lakh.

    Annual Fee Waiver: The annual fee of Rs.4,999 will be waived off if the annual expenses on the card exceeds Rs.10 lakh.

    Movie Benefits: A cardholder will get tickets worth up to Rs.6,000 in a year if the credit card is used to buy movie tickets. Every month, the cap of free tickets will be 2 and the cap for the ticket amount will be Rs.250.

    Fuel Benefits: The 1% surcharge on all fuel transactions is waived off if the fuel is paid for with the SBI Card ELITE. This is valid on every petrol pump in the country for a minimum fuel transaction of Rs.500 to a maximum of Rs.4,000.

    Fraud Coverage: If the cardholder loses the SBI Card ELITE or if there is a situation of theft, you must report it to the bank immediately. If done so, the card will be made liability free by the bank, in which case any sort of transactions of fraudulent nature can be tracked by the bank and the amount up to Rs.1 lakh can be recovered without any kind of extra charges.

    Balance transfer on EMI benefits: The cardholders are given the benefit to transfer the outstanding balance on their SBI ELITE credit card to their other credit cards and pay the remaining amount in EMIs. In this way, the amount to be paid per month reduces as well as the rate of interest.

    Fees and Charges associated with the SBI ELITE credit card:

    Joining fee Nil
    Annual fee? Rs.4,999
    Interest rate? 3.35% per month
    Cash withdrawal fee? Up to 80% of the credit limit with an upper limit of Rs.15,000 per day.
    Rewards redemption fee? Rs.99
    Late payment fee? The total due amount for Rs.0 - Rs.200 - Nil Rs.201 to Rs.500 - Rs.100 Rs.501 to Rs.1,000 – Rs.400 Rs.1,001 – Rs.10,000 – Rs.600 Rs.10,001 – Rs.25,000 – Rs.800 More than Rs.25,000 – Rs.950
    Payment?dishonour?fee? 2% of the payment amount for a minimum amount of Rs.450.
    Statement retrieval fee? Rs.100 per statement which will be more than 2 months old.
    Over-limit fee? 2.5% of the over limit amount, for a minimum of Rs.500.
    Foreign currency transaction fee? The conversion markup is 1.99%
    Card replacement charge? Rs.100
    Surcharge on railway tickets booked at IRCTC ticket counters 2.5% of the transaction amount with an additional charge of Rs.30
    Surcharge on railway tickets booked online through IRCTC website 1.8% of the transaction amount added with service charge

    Eligibility of the SBI Card ELITE:

    Here are the eligibility criteria which needs to be met by you in order to apply for an SBI ELITE Credit Card:

    • You as an applicant must be above the age of 18 and a maximum of 70 years. You must also be an Indian citizen.
    • You must have a good credit score which is ideally above 750, along with a good credit history for the bank to approve the application.
    • Along with this, you must also have a stable and regular form of income.

    Documents required to apply for an SBI ELITE Credit Card:

    Here is a list of documents which you need to submit while applying for this credit card:

    • A passport size colour photo of the applicant must be submitted.
    • Credit card application form.
    • Identity proof which can be PAN card, driving license, Aadhaar Card, etc.
    • The latest salary slips, Form 16, IT returns, etc must be submitted as proof of a stable income.
    • PAN card and/or Form 60.
    • Address proof which includes a copy of the Passport, Ration Card, electricity bill, Aadhaar, etc.

    Once the documents are submitted, an acknowledgement is given to the applicant by the bank which will include an application ID. This ID can be used to track your application at its every stage until approval.

    How to apply for the SBI Card ELITE online?

    You can apply for the SBI ELITE Credit Card directly from the website of State Bank of India

    Or else, you can also apply for the credit card on BankBazaar, from the same page you’re currently on, to get additional benefits as well as avail various exclusive partner offers.

    Follow the steps to apply now –

    • Scroll up to the top of the page to find the ‘Check Eligibility’ button.
    • Click on it and fill the required details to know your eligibility for the particular credit card.
    • If you’re eligible, you will find an option to apply for the card.
    • Click on it, submit the required details and documents and press ‘Submit’

    Once the documents are submitted successfully, you will receive an acknowledgement message carrying the application ID. You can use the same to track your credit card application status in the later stage.

    FAQs for the SBI Card ELITE

    1. What is the joining fee I should pay at the time of card issuance?
    2. You will be required to pay Rs.4,999 as the initial fee.

    3. How much is the membership fee per annum? Can I get it waived off?
    4. The annual membership fee for SBI ELITE credit card is Rs.4,999. The annual fee is waived off if you spend Rs.10 lakh or more with the card for a year.

    5. Explain the fraud liability cover that comes with this card.
    6. Cardholders are offered a fraud liability cover worth Rs.1 lakh. You will be required to report the loss within 48 hours. You will need to visit the website of the bank or call the SBI credit card customer care helpline.

    7. What is the cash advance limit for SBI Card ELITE?
    8. The cash advance limit offered for this card is up to 80% of the total credit limit.

    9. Can I apply for a supplementary card?
    10. Yes, you can avail various add-on cards on the Elite Credit Card. You can apply for a supplementary card online or by visiting the nearest branch.

    SBI Card ELITE Reviews

    • SBI Cards Credit Card
      "Great experience"
      0.5 5.0/5 "Blown Away!"
      I am having a good limit on SBI ELITE card and am using it for around 12 years. Most happiest thing is its a life time free credit card and the charges are very competitive for late payment and EMI conversion. They are giving gift vouchers based on the transaction where other bank does not have this facility.
      Was this review helpful? 0
      , mumbai
      Reviewed on Mar 15, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this credit card for the last ten years and the services which they had been providing so far has been good. They had given me with a credit limit of 5,00,000 and there has been some great benefits with this card. Once they trust on a customer they enhance our credit limit.
      Was this review helpful? 0
      , faridabad
      Reviewed on Mar 13, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 4.0/5 "Great!"
      My experience is good with State Bank of India. I use SBI Elite card and its been a year. There was no much benefits. They are charging annual fee of 2,999 rupees. It has Air lounge access and rewards points. The credit limit was low. I use this card for shopping purpose.
      Was this review helpful? 0
      , ghaziabad
      Reviewed on Feb 13, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      Mostly I like to travel a lot and am getting good benefits on ticket bookings and shopping purpose. I hold SBI Platinum Elite card and using the card for last 2.5 years. The credit limit is enough and the annual charges are 500 rupees. The card has been used for multi purpose and am getting cash back offers.
      Was this review helpful? 0
      , chennai
      Reviewed on Feb 04, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 1.0/5 "Really Bad"
      I am using one more credit card with SBI Elite and its been past one year. I am not satisfied with SBI when compared to HDFC. They need to improve the customer service. The interest rate is competitive with other banks. The netbanking is also not good.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 31, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I hold my credit card with SBI and using SBI Elite from 2006. They have given a good credit limit of 1L. I have no issues with the customer service. They charge annual fee of 4500 rupees. I am using the card for multi purpose. I am getting reward points and cash back offers. I will pay in time and not come across the charges.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 08, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using this card for the last two years and the services which they had been providing so far has been good. The credit limit with this card has been less but it was okay and there is some annual charges with this card but they are giving e-vouchers for the same amount. There has been multiple benefits with this card like offers on movie tickets, bonus points on purchase of merchandise.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Jan 08, 2019
    • SBI Cards Credit Card
      "Great purchase on this card"
      0.5 5.0/5 "Blown Away!"
      2 months before, i have purchased my SBI Elite Card. Its been Rs. 1 lakhs, they have provided me as a credit limit. Since because of the brand of SBI, I have chosen this card. Its a life time free credit card. They have many offers for this card especially cashback on online purchase and flexi pay options.
      Was this review helpful? 5
      , mumbai
      Reviewed on Dec 21, 2018
    • SBI Cards Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have ELITE CARD with STATE BANK OF INDIA and using it for 7 to 8 years. They are providing reward points which can be redeemed into cashback. The annual charge is 499 rupees and the credit limit is 1.80L. I do payment through cheque and there is no additional charges. The card is used for business and online shopping.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Nov 21, 2018
    • SBI Cards Credit Card
      "Need to reduce the annual fee and improve the offers"
      0.5 4.5/5 "Excellent!"
      I have started using the SBI Elite card recently for last 6 months. There is no particular offers. For online purchase, i will be getting some offers. They have provided me a credit limit of Rs. 1.20 lakhs and there is a annual fee of Rs. 500 and it will get waived off if i use certain limit. I used get a offer notification on my mail and messages.
      Was this review helpful? 1
      , chennai
      Reviewed on Nov 15, 2018
    • SBI Cards Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using SBI Elite card for one year with State Bank of India. They do charge annual fee of 5000 rupees. The credit limit is good. I am getting 2 free movie tickets for a month and few discounts on shopping's. I do get reward points and cash back offers sometimes.
      Was this review helpful? 0
      , nagpur
      Reviewed on Nov 03, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I have been using sbi elite credit card for last 2 years that time its a prime credit card , after that only they have given Sbi Elite credit card . For this card there is annual charges of Rs 5000 . Am satisfied with their customer service and response . They have given credit limit with good cash back offers. They have high rate of interest for the credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Oct 19, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using sbi credit card for last 2 years its a premium credit card . For this card there is annual charges of Rs 5000 where they have given some voucher for that am satisfied with their customer service and response . They have given good credit limit
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 06, 2018
    • SBI Cards Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I've been using the SBI Cards Elite for a while. The charges are very high and there is no clarity in charges. So far it has been not a good experience, it has got a very good a limit. They need to get rid of the unwanted charges associated with the card,
      Was this review helpful? 1
      , ahmedabad
      Reviewed on Aug 24, 2018
    • SBI Cards Credit Card
      "Best card"
      0.5 5.0/5 "Blown Away!"
      I have been using sbi credit card for last 15 years that time its a platinum credit card , after that only they have given Sbi Elite credit card . For this card there is annual charges of Rs of Rs4900 . Am satisfied with their customer service and response . They have given credit limit of Rs 5.65 Lakhs .
      Was this review helpful? 0
      , mumbai
      Reviewed on Aug 13, 2018
    • SBI Cards Credit Card
      "Need to be more clear in process"
      0.5 2.5/5 "Just OK"
      I have a Elite credit card with State Bank of India. They have not provided the right information while selling the card. I was told that I would get vouchers worth 5K as a reimbursement to the annual fee of 4999. I got it only in the first year, from the second year I did not get any. But the fee of 4999 has been deducted.
      Was this review helpful? 1
      , bangalore
      Reviewed on Aug 04, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 5.0/5 "Blown Away!"
      Its been 1 week am using sbi card elite credit card . Am very much satisfied with the credit limit of Rs 2.83 thousand . There is annual charges for the card of rs 5000 which is quite high .For this annual charges they are giving voucher for pantaloons , Spencer . This card hold benefits of airport lounge offers , monthly 2 movie tickets of worth RS 500 . Overall am satisfied with card .
      Was this review helpful? 1
      , gurgaon
      Reviewed on Jul 27, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 4.5/5 "Excellent!"
      I'm impressed with the services of SBI. I've been using the SBI Elite Credit card for a while. SBI is the best, being a premium card I can avail 24x7 service even on weekends. I can call anytime and resolve my issues. Its premium card, it is a chargeable card and the annual fee 5000 per year. Overall it has been a very good experience with the card and their services.
      Was this review helpful? 1
      , pune
      Reviewed on Jul 02, 2018
    • SBI Cards Credit Card
      "Good Service so far"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Elite credit card for a while. SBI is giving offers in between and low rate of interest is also a plus. Their service is good. Overall it has been a hassle free experience with the card and their services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 02, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I chose the SBI CARD ELITE online because with this card I can easily convert my purchases in to monthly installments through EMI option. So far the experience has been good with the card and their services. I'll have to use it more find out more about the features and benefits associated with the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 29, 2018
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