Premium · Visa / Mastercard / American Express
Card ELITE
By SBI · Visa / Mastercard / American Express
₹4,999
+ GST
Annual Fee
FREE
Joining Fee
up to 2.5%
Best Rate
The Verdict
Premium SBI card with strong all-around benefits. Fee of ₹4,999 effectively free with ₹5K welcome/renewal voucher. 1.99% forex is a standout — cheapest among all SBI cards and comparable to premium HD...
Best Suited For
- International travelers — 1.99% forex (lowest SBI) + Priority Pass (6 intl/year)
- Movie buffs — ₹6K free tickets/year
- Dining/grocery heavy spenders — 5X RP (2.5%)
- ITC Hotel loyalists — Silver membership + 25% off 2nd night + 20% off food
- Milestone chasers — up to ₹12,500 in milestone RP on ₹8L spend
- Users wanting premium card with fee effectively neutralized (₹5K voucher vs ₹4,999 fee)
Welcome & Onboarding
Benefit 1
Welcome e-Gift Voucher worth ₹5,000
Airport Lounge Access
Domestic
2 complimentary domestic airport lounge visits per quarter
International
6 complimentary visits per calendar year (max 2 per quarter)
Reward Rates
Dining/Dept Stores/Grocery (5X) Cap: ₹10,000/month | 2.5% |
Base Spends | 0.5% |
Milestone Rewards
₹3,00,000 annual spends
10,000 bonus Reward Points (₹2,500)
₹4,00,000 annual spends
10,000 bonus Reward Points (₹2,500)
₹5,00,000 annual spends
15,000 bonus Reward Points (₹3,750)
₹8,00,000 annual spends
15,000 bonus Reward Points (₹3,750)