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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.
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  • We found 1 SBI Card ELITE
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    SBI ELITE Credit Card

    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 Kaligo.com 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 Myntra.com, Bodyshop.in, Amazon.in, Snapdeal.com, Flipkart.com, 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 Nearbuy.com, 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 Yatra.com.

    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
      "Average"
      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
      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? 0
      , 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
    • SBI Cards Credit Card
      "Good software and need to improve on the interest rate"
      0.5 5.0/5 "Blown Away!"
      I am happy with SBI credit card because the services are faster and their application is very much friendly. Once I have converted the payments into EMI and the charges are very much higher. I never done late payments. The credit limit is satisfactory. They are charging annual fee of Rs.2000 and its a ELITE card.
      Was this review helpful? 0
      , thane
      Reviewed on Jul 30, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      SBI has given me a limit of 1L and the services are okay. I am using ELITE credit card for past one year. The annual charge is applicable but the fee of Rs.500 will be waived off, if I purchased more than 30K. I will get frequent mails from the customer service and never contacted. Its easy to convert EMI conversion but haven't utilized so far.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 26, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I am using State Bank Of India Elite credit card which i have taken through Bank .I am using this credit card for more than 5 years ,Customer service was really good and there was no drawbacks faces so far on using this card and there are good reward points as well as cash back offers .I am really satisfied on using this card .
      Was this review helpful? 0
      , mumbai
      Reviewed on Jul 25, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI elite credit card from long time, they have not charged me annual fee for first year they have charged me fee from second year up to 5000 but waiver option is available, They use to give good reward points 10,000 bonus reward points on annual spends of 3 lakhs and 4 lakhs each,15,000 bonus reward points on annual spends of 5 lakhs and 8 lakhs each,10 reward points for every 100 spent on dining, movies, department stores and groceries, but they decrease it up to 6 points ,2 reward points per 100 on all other retail spends . Their service is good,
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 12, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      SBI ELITE credit card is good and am using for last 4 to 5 months. The customer service is average. They have offered me a good credit limit of 1.50L. I am doing minimum transactions of 50K in a month but no benefits. It is a life time free credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 11, 2019
    • SBI Cards Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      I am using SBI ELITE credit card for more than one year. They are not charging annual fee and the credit limit is very less which they need to increase. The customer service is not good and need to improve the service. I never tried for EMI conversion. I will get msg for cash back and discounts.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 10, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 3.0/5 "Satisfactory"
      I have State Bank Of India Credit card which was taken through Online .I have SBI Elite credit card very good to use and so far not faced any issues .I am very much comfortable with the service.I am using it for the past 2 years.There was no difficulties on using this card.I am very much comfortable on the usage.
      Was this review helpful? 0
      , thane
      Reviewed on Jun 03, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I have State bank Of India Credit card which i have applied through Online .This card is having a good credit limit .I have SBI Elite card and using it for the past 2 years .I have not faced any issues so far .This card is very useful and also got this card without any hassle .I am happy with the credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on May 24, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      I have used the SBI elite for last 1.5 years. I have received a rewards points coupon once. Received the limit of Rs. 1 lakhs. I never faced any issues from this card. SBI call centre peoples are good and they used to give a call back regarding the customer's issue.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 23, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been more than two years since i am using the SBI ELITE CREDIT CARD and the services of them had been pretty much good. The card has some good features like Airport launch access is there and other benefits as well. But it has an annual charges of 3000 which i feel is quite high. I am using the card for all sort of purchases.
      Was this review helpful? 0
      , chennai
      Reviewed on May 23, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have State Bank Of India credit card through Bank directly.I am using this credit card for the past 4 years .Customer service is giving good response .The process was very smooth and credit card is very useful to me so far.Thiscard is easy to use .I am comfortable on using this card .
      Was this review helpful? 1
      , new delhi
      Reviewed on May 18, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the SBI ELITE CARD for more than ten years and their services has been good. They had been providing some best offers like we can convert the points into cash, it also has been providing 2 movie tickets every month. There has also been an annual charges of 5000 and i use the card for all my purchases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 08, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have applied for State Bank Of India credit card through Bank directly,I am using it for the past 7 to 8 years .I have not faced any issues these many years ,The service is good and comfortable as well .The agent gave all the information about the card .I am satisfied with the service as well.This card is a free card ,I have Elite card .
      Was this review helpful? 1
      , bangalore
      Reviewed on May 06, 2019
    • SBI Cards Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I have applied for State Bank Of India Credit card through Online ,The credit limit was good it was sufficient and the credit limit was upto 1.7lakhs and the cash limit is 70,000 it is pretty good.I have received the credit card on time .I have got a platinum card and then they changed to Elite card .The agent gave all information about this card .I have submitted the documents also .
      Was this review helpful? 2
      , pondicherry
      Reviewed on Apr 29, 2019
    • SBI Cards Credit Card
      "need to reduce the interest rate"
      0.5 4.0/5 "Great!"
      The interest rate is quite high for the credit cards but there was no hidden charges.They do provide a higher credit limit for the customer even though for less salary holder and it has more benefits. I am using SBI Elite credit card for around 5 years. They do charge annual fee of Rs.2500
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I have been using SBI ELITE credit card from past one and half years, they have been charging annual fee high, but waived off option available in this card, i am happy with the credit limit which they have given me in this card, they use to give good offers in on line shopping.
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 20, 2019
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