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  • SBI Card ELITE

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  • Looking for a credit card which rewards you each time you spend? Then consider the SBI Elite Credit Card. The joining fee is Rs.4,999. This also functions as the fee for the first year. From the second year onwards, the annual fee (or the renewal fee) is also Rs.4,999. This amount, however, can be waived if you spend a minimum of Rs.10 lakh within a year. If you are wondering what the interest rate is, well it is up to 3.35% per month or 40.2% p.a.
  • We found 1 SBI Card ELITE
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    The State Bank of India offers the ELITE card for the people who travel frequently all over the country and the world. It is a travel and lifestyle credit card which offers a wide range of offers such as domestic and international lounge access, and discounts on an international and domestic flight and hotel bookings. Apart from this, the ELITE credit card has dining and entertainment offers as well.

    Key Highlights of the SBI ELITE Credit Card Welcome Benefits
    • For every Rs.100 spent, earn 2 reward points.
    Entertainment Benefits
    • Get free movie tickets worth Rs.6,000 every year.
    • This offer will be valid for a minimum of 2 tickets per booking per month.
    Milestone Benefits
    • Earn up to 10,000 reward points on an annual expenditure of Rs.3 lakh and 4 lakhs.

      Add – Earn up to 15,000 reward points on annual spends.

    Low Foreign Exchange Markup
    • The SBI ELITE credit card offers the lowest forex mark-up charge at 1.99% for international use.
    Concierge Service
    • With this card, you are also entitled to exclusive assistance from the bank with travel bookings, holiday packages, movies and dining reservations.
    Annual Fee Waiver
    • The annual fee is waived off if your annual expenditure is more than Rs.10 lakh.

    Benefits and Features of SBI ELITE Credit Card

    Trident Privilege Membership
    • Enjoy a complimentary Trident Privilege Red Tier Membership.
    • On registration, get a welcome gift of 1,000 points.
    • Get 1,500 bonus points on your first stay at the hotel and an additional Rs.1,000 hotel credit on an extended overnight stay.
    Fuel Surcharge Waiver
    • 1% fuel surcharge is waived off on transactions ranging from Rs.500 to Rs.4,000 at any petrol pump.
    • The maximum surcharge waived per credit card is Rs.250.
    Domestic Airport Lounge Program
    • Benefit from the Domestic Lounge Program offered by the card.
    • Avail 2 complimentary domestic lounge visits every quarter in the country.
    International Airport Lounge Program
    • With the credit card, complimentary membership to the Priority Pass Program is given.
    • Enjoy 6 complimentary international lounge visits per year. Maximum of 2 visits per quarter.
    • Get access to more than 1,000 airport lounges all over the world.
    Club Vistara Membership
    • Get complimentary membership to Club Vistara Silver.
    • Get 1 free Lounge Access Voucher and 1 Upgrade Voucher.
    • With every Rs.100 spent, get 9 Club Vistara Points.
    MasterCard / VISA Privileges
    • Save up to 10% on car rental bookings with Hertz and up to 35% on car rentals with Avis.
    • Earn up to 10,000 points per night on hotel stay on along with 25% extra miles.
    • Get up to 50% off on gold games and 1 complimentary lesson per month with your credit card. Available at selected golf courses in India.
    Fraud Liability Cover
    • Enjoy free Rs.1 lakh fraud liability cover on your card.
    • The cover is applicable from the period of 2 days prior to the reporting of loss till 7 days post reporting of loss.

    SBI ELITE Credit Card Limit

    The credit limit of the State Bank of India ELITE credit card is given at the discretion of the bank. There are several factors involved which are the credit history of the applicant, the credit report and score. Apart from this, the ongoing debts or loans of the applicant is a factor for deciding the card limit.

    Latest Offer Benefits of SBI ELITE Credit Card

    Shopping offers
    • Enjoy a cashback of 5% on selected phones from the Vivo online store.
    • On a minimum transaction of Rs.2,500 and above, get 7.5% cashback at all Spencer's stores.
    • Apply the promo code SBI100 to get an Rs.3,000 discount at purchases made on Rentomojo.
    • Avail EMI mode of payment on purchases made on,,,,, etc.
    • Get cashback of 5% on the purchase of Canon products at the store for a minimum purchase amount of Rs.35,000.
    Dining Offers
    • Enjoy a discount of 20% every Monday and Tuesday on your food orders by applying the coupon code SBI200.
    • At selected restaurants on, get a cashback of 5% on a minimum transaction amount of Rs.1,500.
    Travel Offers
    • Get a discount of Rs.1,000 on flight bookings made on EaseMyTrip.
    • Enjoy a discount of 20% on domestic and international hotel bookings on EaseMyTrip.
    • Avail a wide range of discounts on domestic and international flights on Travelxp.
    • Benefit from EMI mode of payments available on travel bookings on Cleartrip and

    Reward Point Benefits of SBI ELITE credit card

    • On dining, departmental store purchases and grocery spends, get 5X reward points.
    • For every Rs.100 spent on other purchases, earn 2 reward points.

    How To Redeem Reward Points?

    Redeeming reward points can be done through net banking. To do so, here are the steps you need to follow:

    • Log in to your net banking account.
    • Select the option of 'redeem rewards' from the main page.
    • Your rewards will be shown on the left side of the page.
    • Choose the reward category from which you wish to redeem the points.
    • Add your city.
    • Input the quantity of the reward and then select 'add to cart'.
    • Check the disclaimer and then select the option of 'place order'.

    Fees and Charges of the SBI ELITE Credit Card

    Type of Charge Amount
    Joining Fee Nil
    Annual fee Rs.4,999
    Renewal fee Rs.4,999 (From 2nd year)
    Interest rate Up to 3.35% per month
    Add-On card fee Nil
    Cash withdrawal fee 2.5% of the amount withdrawn or Rs.300 (SBI ATMs)

    3% of the amount withdrawn or Rs.300 (International ATMs)

    Payment dishonor fee 2% of the payment amount; minimum of Rs.450
    Cheque pickup Rs.100
    Statement request Rs.100 per statement (more than 2 months old)
    Cash payment fee Rs.100
    Late payment

    From Rs.0 - Rs.200 - Nil

    more than Rs. 200 up to Rs. 500 - Rs.100

    More than Rs. 500 up to Rs. 1,000 - Rs.400

    More than Rs.1,000 up to Rs. 10,000 - Rs.600

    More than Rs. 10,000 up to Rs. 25,000 - Rs.800

    More than Rs. 25,000 - Rs.950.

    Cheque fee Rs.100
    Card replacement Rs.100
    Over limit fee 2.5% of the over limit amount; minimum of Rs.500
    Rewards redemption fee Rs.99
    Foreign currency transaction 1.99%

    Eligibility of the SBI ELITE Credit Card

    • You must be between the ages of 18-70 years.
    • The add-on cardholder must be above the age of 15 years.
    • The applicant must be a citizen of India.
    • A credit score of 750 or above is essential to be eligible for the card.

    Documents Required To Apply For The SBI Elite Credit Card

    • Identity proof, which is PAN, driving license, Aadhaar Card, etc.
    • Proof of income such as the latest salary slips, Form 16, copy of IT returns, etc.
    • Filled application form.
    • A copy of Form 60 or PAN card.
    • Proof of residence which can be a Passport, Ration card, electricity bill, Aadhaar, etc.
    • Colored passport size photographs of the applicant.

    The above-mentioned list of documents is indicative. It can be changed, or additional documents can be asked when you apply for the ELITE credit card.

    How To Apply For The Sbi Elite Credit Card Online?

    The primary method to apply for this card is through the website of State Bank of India.

    However, you can also apply for a credit card through the website of BankBazaar. To do so, here are the steps which need to be followed:

    • Click on the option of 'Check Eligibility' to check if you are eligible for the card.
    • Add the information which is asked and submit it.
    • The portal will need a list of documents to be uploaded.
    • Once done, you can use the tracking ID under the option of 'Track Application'.

    Sbi Elite Credit Card Faqs

    • What is the joining fee I should pay at the time of card issuance?

    You will be required to pay Rs.4,999 as the initial fee.

    • How much is the membership fee per annum? Can I get it waived off?

    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.

    • Explain the fraud liability cover that comes with this card.

    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.

    • What is the cash advance limit for SBI ELITE Card?

    The cash advance limit offered for this card is up to 80% of the total credit limit.

    • Can I apply for a supplementary card?

    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.


    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    SBI Card ELITE Reviews

    • SBI Cards Credit Card
      "Best Card"
      0.5 5.0/5 "Blown Away!"
      Using my Elite from State Bank of India. In this, I'm getting free movie tickets and EMI interest rate of 13% pr annum. I get bonus and reward points in this card, I'm getting higher reward points when i compared to others. They used to provide the free airport lounge access facility. I never had any trouble on this card till now. If i use the card upto Rs. 2 lakhs, my annual fee gets waived off.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Mar 10, 2020
    • SBI Cards
      SBI Cards Credit Card
      "Great Bank"
      0.5 5.0/5 "Blown Away!"
      I'm old customer of SBI and i am having 2 savings account with them. So many benefits are there in SBI Elite card and i have taken this card 3 months before. They offered me a credit limit of Rs. 84000. They are charging me a annual fee of Rs. 2999 and i haven't got any joining benefits. I have received my first bill through online and its easy to make the payment.
      Was this review helpful? 0
      , chandigarh
      Reviewed on Mar 02, 2020
    • SBI Cards Credit Card
      "Rate of interest was high"
      0.5 4.0/5 "Great!"
      In SBI ELITE card they given a good credit limit and this is a premium card annually i am paying Rs.5000 wavier is there but i am not sure. I am getting priority pass, movie ticket offer and also i am getting gift vouchers from shopper stop and pantaloons. The rate of interest was very high in SBI.
      Was this review helpful? 3
      , kolkata
      Reviewed on Feb 29, 2020
    • SBI Cards Credit Card
      "Superb Fine"
      0.5 5.0/5 "Blown Away!"
      I'm getting so many offers from SBI card and i have a Elite variant. Lots of benefits are available like to transfer the money to pay for other credit cards which is balance transfer facility is available. I'm getting a credit limit of Rs. 1.15 lakh. I do get buy1+get1 movie ticket offer. There is no annual fee on this card.
      Was this review helpful? 1
      , kochi
      Reviewed on Feb 20, 2020
    • SBI Cards Credit Card
      "Good Card compared to others"
      0.5 5.0/5 "Blown Away!"
      I got SBI credit card 2 months before along with the welcome kit they have provided me a gift voucher as a joining benefit. I have received SBI Elite card and they are giving 2 movie ticket free on every month which is worth of Rs. 500. In this card, there are so many benefits available which i didn't noticed till now. Even the offers are available on Shopping mall. They provided me a gift voucher worth of Rs. 5000. I have a option called easy pay and easy transfer which i can do in their app. In Amazon and Flipkart website offers are available on every month.
      Was this review helpful? 2
      , chennai
      Reviewed on Jan 17, 2020
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      Only SBI credit card was available for me based on my eligibility. In this card, free movie ticket is available. I have a SBI Elite credit card. This card has a annual fee of Rs. 5000 and it get waived off if my annual fee spends exceeds Rs. 10 lakhs. They are sending the offer messages on a regular intervals. I'm happy with the credit limit of Rs. 2.5 lakhs.
      Was this review helpful? 0
      , jalandhar
      Reviewed on Jan 16, 2020
    • SBI Cards Credit Card
      "Good card for all purposes "
      0.5 5.0/5 "Blown Away!"
      SBI is good, I have been using Elite card for more than 7 years. It was applied directly to bank. It is annual fee chargeable of 3K with sufficient limit of 1L. EMI conversion is available. I use it for shopping mall, medical, electricity purposes based on usage I get reward points. There was an option for addon card as well.
      Was this review helpful? 3
      , chennai
      Reviewed on Dec 29, 2019
    • SBI Cards Credit Card
      "Best card"
      0.5 4.0/5 "Great!"
      I am using SBI credit card is very user friendly and customer care response is really fine. I have been using the card for almost 1 year. I am having a ELITE credit card i am using for fuel, groceries, shopping and more and also i am getting good rewards I can transfer the money to my account or get gift. Annual charges for this card is Rs. 499 waiver not sure and also they given a good limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 27, 2019
    • SBI Cards Credit Card
      "Value for money"
      0.5 4.0/5 "Great!"
      I have a credit card from SBI and this is a ELITE card. My card has annual fee of Rs. 5000 and i am not happy with the credit limit. Documentation process was simple executive collected the documents and i received the card within 6 days. EMI conversion options are available in SBI credit card at the interest rate of 1.3% monthly which is high compared with other bank.I get reward points on all purchase which I can redeem for airport lounge both domestic and international.
      Was this review helpful? 0
      , mohali
      Reviewed on Dec 21, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      SBI credit card is been a very good product and the card was offered to me based on my eligibility. Its a Elite card hence they are providing good rewards points based on my transactions. They charged me Rs. 5000 as a annual fee and they gave back to me on the form of vouchers. Its easy to use the card other than any other nationalized bank cards.
      Was this review helpful? 2
      , kolhapur
      Reviewed on Dec 14, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI Elite credit card which i am using for the past 10 years .This was a chargeable card and there was no drawbacks faced so far .This credit card is very easy to access,If dont have any money on hand can use this credit card and pay later.I am completely satisfied with the service so far.
      Was this review helpful? 2
      , surat
      Reviewed on Dec 14, 2019
    • SBI Cards Credit Card
      "Best card for shoping"
      0.5 4.0/5 "Great!"
      I am using SBI ELITE CREDIT CARD more than 3 years. This is a premium card which i am paying annually Rs. 2500, wavier option is there but i am not sure. Reward points usually get for all purchase, regarding international transaction i will do more and getting less amount need to increase that. I am getting lounge booking facility and free lounges on quarterly basis for twice. Customer service was good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Nov 25, 2019
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      EMI options are good in SBI credit card with 13% rate of interest without any processing fee. I am using elite card. I get 2 movie tickets per month which can be availed any time at any place. The reward points are very good. Annual fee charges are applicable in this card.
      Was this review helpful? 0
      , thane
      Reviewed on Nov 18, 2019
    • SBI Cards Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I am using SBI elite credit card for last 2 years, I use this card for lounge access and movie tickets. I get 2 movie ticket for free in month which can be availed any time, 4 domestic lounge access in a quarter. I am paying annual feeof Rs.5000 which is returned in the form of voucher as per my wish.
      Was this review helpful? 4
      , new delhi
      Reviewed on Nov 16, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using State Bank Of India credit card which was taken through Bank directly .This was an Elite card which is pretty useful and also a free card ,Each and every detail was clearly shared by the agent .There are good reward points as well as cash back offers .I am satisfied with the service so far.
      Was this review helpful? 1
      , thane
      Reviewed on Nov 09, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card which I am using for the past 1 year.This was an Elite card and it is very easy to access ,This card is a chargeable one and got the credit card within 2 weeks.The credit limit was okay. Each and every details about the card process was clearly shared by the agent.I am satisfied with the service so far.
      Was this review helpful? 1
      , pollachi
      Reviewed on Nov 04, 2019
    • SBI Cards Credit Card
      0.5 4.0/5 "Great!"
      SBI credit card is also good and am having a good relationship but I don't have separate savings account with them. I have been using SBI ELITE card for around 2 to 3years. The annual fee is applicable and need to pay Rs.1000. There are no such offers.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 26, 2019
    • SBI Cards Credit Card
      "SBI should be more customer friendly"
      0.5 5.0/5 "Blown Away!"
      In SBI, they won't pick up the call. The interest rates are high because they are charging 24%. I am using the Elite card in SBI and i pay the annual fee of Rs. 5000 and it will get waived if i use full limit of Rs. 1.05 lakhs. I get movie ticket and discount in shops. Most of benefits i haven't availed with them.The customer care people are rude in their behavior and its trouble to reach them.
      Was this review helpful? 2
      , new delhi
      Reviewed on Aug 01, 2019
    • SBI Cards Credit Card
      "Very much satisfactory"
      0.5 5.0/5 "Blown Away!"
      The charges are very less with SBI when compared to other banks even they are not charging processing fee for converting EMI conversions. I use Elite credit card for around 2 years. I need to pay Rs.5000 of annual fee also it has waiver off choice. I am getting lot of benefits around 20,000 to 30,000 rupees If I spend 8L and getting 12,500 rupees as cashback simply also additional bonus points of Rs.2500. Every month they are providing free movie tickets which is cost of Rs.500.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 30, 2019
    • SBI Cards Credit Card
      "Need to improve the customer care"
      0.5 1.0/5 "Really Bad"
      I have a Elite for that they are charging Rs. 5000 per annum and the credit limit is only Rs. 1 lakh. The charges are too high. They will provide some gift voucher and coupon for paying my annual fee. SBI customer care is very worst and very difficult to get on line. Recently i have purchased the card and dispatched as per the promised time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 30, 2019
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