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The SBI Card ELITE is a premium credit card from the State Bank of India. It offers the best-in-class privileges and rewards in various categories like travel, lifestyle and online purchases. You can also avail of SBI Card ELITE offers on dining, grocery spends and more. 


In addition to this, the SBI Credit Card gives you access to various premium memberships like the Trident Privilege Membership and the Club Vistara Membership programs. These premium SBI Card ELITE benefits and rewards make the credit card suitable for high spenders. 

Key Highlights of SBI Card ELITE

Type of Credit Card

Premium credit card

Joining Fee

₹4,999 + Taxes

Renewal Fee

₹4,999 + Taxes

Welcome Benefit

Welcome e- gift voucher worth ₹5,000 from a choice of lifestyle brands like Yatra, Pantaloons, Bata, Hush Puppies, Shoppers Stop and Aditya Birla Fashion 

Reward Points

5X Reward Points on dining, grocery spends and departmental stores purchases, and 2 Reward Points per ₹100 on all spends (except fuel)

Milestone Rewards

Up to 50,000 Bonus Reward Points worth ₹12,500 per year 

Best Feature

Access to various elite membership programs

Features & Benefits of SBI Card ELITE

There are several SBI Card ELITE features and benefits that you should know of before you apply for such  credit cards. Here is a preview of the top features of the card:

1. Welcome Benefits

Once you pay the annual fees for the SBI Card ELITE, you will receive a welcome gift voucher worth ₹5,000 within 15 days. The voucher can be redeemed for purchases from various leading lifestyle and travel brands like Hush Puppies, Shoppers Stop, Pantaloons, Yatra, Aditya Birla Fashion and Bata. 

2. ELITE Rewards

You also get an array of SBI Card ELITE benefits in the form of reward points on eligible spends, as follows: 


  • 5X Reward Points on Departmental store purchases, grocery spends and dining expenses

  • 2 Reward Points per  ₹100 on all other spends, except fuel


You can then redeem these reward points at the rate of 4 points for ₹1 and make purchases from the bank’s rewards catalogue. 

3. Complimentary Movie Tickets

As an SBI Card ELITE owner, you get free movie tickets worth ₹6,000 annually. The benefit is offered in the form of discounts on 2 tickets per month, up to ₹250. 

4. Milestone Rewards

Milestone benefits are also among the many beneficial SBI Card ELITE features. The milestone privileges offered by this credit card are listed below:


  • 10,000 Bonus Rewards on spending ₹3 Lakh in a year

  • Additional 10,000 Bonus Rewards on spending ₹4 Lakh in a year

  • 15,000 Bonus Rewards on spending ₹5 Lakh in a year

  • Additional 15,000 Bonus Rewards on spending ₹8 Lakh in a year

5. Airport Lounge Programs

With the SBI Card ELITE, you also get access to an exclusive Domestic Lounge Program and International Lounge Program, offering the following privileges: 


  • 2 complimentary domestic airport lounge visits per quarter 

  • 6 complimentary international airport lounge visits in a calendar year (capped at 2 visits per quarter)

  • Access over 1000 international airport lounges

  • Complimentary Priority Pass Program membership worth $99

6. Premium Memberships

The SBI Card ELITE offers various premium memberships as well, like the Club Vistara Membership and the Trident Privilege Membership. This makes the credit card ideal for frequent travellers. 

SBI Card ELITE - Eligibility Criteria & Documents Required

Before you decide to apply for an SBI Card ELITE, you need to check if you meet the eligibility criteria. If you qualify, you must have the required documents ready for submission along with your credit card application. 

1. SBI Card ELITE - Eligibility Criteria 

Check out the SBI Card ELITE eligibility criteria below:

  • Minimum age of 21 years

  • Maximum age of 70 years

  • Salaried or self-employed with a regular source of income

  • Good credit score, ideally 750 or higher 

2. SBI Card ELITE - Documents Required

To apply for this SBI Credit Card, you must submit the following documents along with your application:

  • PAN Card

  • Copy of Aadhaar Card (with first 8 digits masked) 

  • Any other valid government address proof like driving licence or voter’s ID

  • Proof of income documents (like salary slip or Income Tax Returns, depending on the credit card eligibility and the bank’s policy)

SBI Card ELITE Reward Points

Reward Points



Welcome Rewards

Welcome e-vouchers across top brands


Complimentary Movie Tickets

Discount up to ₹250 on 2 movie tickets per month

Up to ₹6,000 every year

50,000 Milestone Rewards

Milestone privileges


Rewards on International Transactions

Low Forex of 1.99% on International usage

2 reward points per ₹100 spent

ELITE Rewards 

  • Pay credit card outstanding with reward points

  • Fuel Surcharge Waiver

2 reward points per ₹100 spent

How To Redeem SBI Card ELITE Rewards

To redeem your SBI Card ELITE reward points, you should use SBI credit card net banking :

  • Step 1: Log in to your Net banking account.

  • Step 2: From the main page, choose the option of 'redeem rewards'.

  • Step 3: You can see your rewards on the left side of this page.

  • Step 4: From the categories given, you can choose the reward category from which you wish to redeem the points.

  • Step 5: Select your city.

  • Step 6: Enter the quantity of the reward points.

  • Step 7: Select 'add to cart'.

  • Step 8: Carefully read the disclaimer given.

  • Step 9: Select the option of 'place order'.

Cards Similar to SBI Card ELITE

Credit Card

Annual Fee

Reward Points and Offers

Standard Chartered Ultimate Credit Card


  • 5 reward points per ₹150 spent

  • 5% cashback on duty-free purchases 

  • Access to 1000+ international airport lounges 

HDFC Diners Club Privilege Credit Card


  • 4 Reward Points on every ₹150 spent

  • Up to 10X Reward Points on purchases made via SmartBuy

  • 2X Reward Points on weekend dining expenses

Air India SBI Signature Credit Card


  • Welcome gift of 20,000 Reward Points on paying the joining fee

  • 4 Reward Points on every ₹100 spent

  • Up to 30 Reward Points on every ₹100 spent on purchasing Air India tickets 

HDFC Regalia Credit Card


  • 4 Reward Points on every ₹150 spent

  • 12 complimentary domestic lounge visits and 6 complimentary international lounge visits per year

  • Milestone benefits on meeting specific annual spends

How to Apply for SBI Card ELITE

If you want the SBI Card ELITE credit card, you can apply online via the Bajaj Markets website or app by following the steps mentioned below:

  • Step 1: Visit the Bajaj Markets website or app

  • Step 2: Fill in your details

  • Step 3: Check out the list of multiple SBI Credit Cards

  • Step 4: Select the Credit Card you find right for yourself

  • Step 5: Submit your application form

SBI Card ELITE Customer Care

In case of any queries or complaints regarding SBI Card ELITE credit card, you can reach up to

  • SBI Credit Card Customer Care using the helpline number 1860 180 1290 (toll-free) or 39 02 02 02 (prefix local STD code).

  • SBI Card Customer Care team via an email through customercare@sbicard.com.

FAQs on SBI Card ELITE Credit Card

Total Credit Limit: It is the maximum credit limit you can avail on your SBI Card ELITE. Available Credit Limit: It is the credit amount available for purchases as on date. SMS AVAIL XXXX (XXXX = Last four digits of your SBI Card) from registered mobile number) to know more about your SBI Card ELITE limit.

Yes. This is because you get gift vouchers on joining, milestone gift vouchers, reward points on any spending, hotel and airport privileges and more.

The annual fee for an SBI Card ELITE credit card is ₹4,999 plus taxes.

Yes, the SBI Card Elite credit card is internationally acceptable. It can be used at a foreign currency markup fee of 1.99%

The complimentary credit card fraud liability cover of SBI card ELITE is worth ₹1 lakh. This cover is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss.

The cash advance limit on the SBI Card ELITE credit card is up to 80% of the credit limit, with a maximum of ₹15,000 per day. The SBI credit card cash withdrawal charges for this card at any ATM (including SBI) is 2.5% of the transaction amount, subject to a ₹500 minimum.

Yes, you can apply for an add-on card with SBI Card ELITE.

No, the annual membership fee for SBI Card ELITE credit card is ₹4,999. The annual fee is waived off if you spend ₹10 lakh or more with the card for a year.

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