SBI Card ELITE– Benefits, Rewards, and Fees

The SBI Card ELITE is designed for those who seek luxury and convenience. You can enjoy 5X rewards on dining, shopping, and groceries, a welcome bonus, Club Vistara membership, and more premium benefits with this lifestyle credit card.

The SBI Elite Credit Card comes packed with premium lifestyle, travel, and reward‑based benefits designed to enhance your everyday spending experience. 

Here is a quick look at its key features across different categories:

Welcome Benefits and Milestone Rewards

• Welcome Bonus

Get a welcome e‑Gift voucher worth ₹5,000; redeemable at brands like Bata, Hush Puppies, Pantaloons, Yatra, and more.

• Milestone Privileges of 50,000 points
  
  Earn points worth ₹12,500 per year:
  

  • 10,000 points each on annual spends of ₹3 Lakhs and ₹4 Lakhs

  • 15,000 points each on annual spends of ₹5 Lakhs and ₹8 Lakhs

Reward Points and Redemptions

• Accelerated Rewards

5X rewards on handpicked categories such as dining, retail, and groceries; earn 2 reward points per ₹100 on other spends (exception: fuel transactions).

• Forex Spend Rewards

Earn 2 reward points per ₹100 spent abroad (also see forex markup in Travel Perks).

Lounge Access and Travel Perks

• International Airport Lounge Access

Priority Pass membership (worth $99) with 6 international lounge visits.

• Domestic Lounge Access

2 complimentary visits per quarter to domestic airport lounges in India.

• Club Vistara Membership

Complimentary Club Vistara Silver membership, 1 upgrade voucher, and 9 CV points/₹100 spent on Vistara flights.

• Forex Benefits

1.99% foreign currency markup on international transactions; also earns 2 RP/₹100 internationally.

• Global Cash Access

Cash withdrawal at 1M+ Visa/Mastercard ATMs worldwide.

• VISA Privileges

Save up to 10% on Hertz and up to 35% on Avis car rentals; additional benefits across 900+ luxury hotels globally.

• Mastercard Privileges

Up to 50% off on golf and up to 15% off on room rates and F&B at Lalit Hotels, and more.

Insurance and Safety Benefits

• Fraud Liability Cover

Insurance cover of ₹1 Lakh, applicable from 48 hours before to 7 days after reporting card loss.

• Emergency Card Replacement

24×7 helpline support for expedited card replacement (VISA & Mastercard variants).

• Contactless Advantage

Tap‑to‑pay for transactions up to ₹5,000 at secure readers, reducing card‑handover risk.

Entertainment Benefits

• Movie Tickets

Up to ₹6,000 worth of free movie tickets per year (₹250 off per ticket, up to 2 tickets/month).

Fuel and Waivers

• Waiver on Fuel Surcharge

1% fuel surcharge waiver on transactions between ₹500–₹4,000 at fuel stations across India.

Payment Flexibility

• Split Big Bills

Convert purchases of ₹2,500+ into EMIs within 30 days; choose flexible tenors.

• Balance Transfer Facility

Transfer outstanding balances from other cards to this card; lower interest and EMI repayment options.

Everyday Convenience and Digital Control

• Easy Bill Pay Facility

Automate utilities like electricity, insurance, and more.

• SBI Card Mobile App

Set card PIN, redeem reward points, and manage cards via SBI Card app or YONO.

• Accepted Globally

Use at 24M+ outlets worldwide, including 3,25,000 in India.

• Dedicated Concierge Service

Assistance with gift delivery, online doctor consultation, and more (dial 1800‑2121‑68168).

Here are the SBI Card ELITE eligibility terms you need to fulfil to complete your application:

• 21 years and older if you are salaried

• 25 years and above if you are self-employed

• 40 years and above if you are a retired pensioner

• Up to 70 years old

• A stable earner with a regular income

• Creditworthy, with a good credit score

Bajaj Markets provides a secure, one-stop platform to compare your shortlisted credit cards and apply credit card online. The process ensures utmost data security and transparency. 

To know how to apply, read the steps given below:

1. Click on ‘Check Card Offer’ and fill in the required details, including your date of birth, phone number, and occupation
   

2. Enter the One-Time Password (OTP) sent to your phone
   

3. Review pre-filled details like your PAN card number, residential PIN code, email address, and income details
   

4. Apply for the card that suits your needs from the available options
   

5. Click on ‘Submit’ to complete your application
   

Here is what you should know about reward points you can earn while using an SBI ELITE Card:

A. Reward Points

• The SBI Card ELITE offers 5X rewards when you spend on categories such as dining and groceries. 

Here is an example demonstrating this:

Reference of all T&C necessarily refers to the terms of the Partners as regards to pre-approved offers and loan processing time amongst other conditions.