The SBI Card ELITE, as the name suggest, is the crème de la crème of Credit Cards. It is a top-notch Credit Card that brings you the best of everything including e-gift vouchers, ELITE Rewards, International Lounge access, complimentary Club Vistara membership, Domestic airport lounge access, premium security and much more.
Get exciting welcome e-gift vouchers upon joining. Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop.
Get 5X Reward Points on dining, departmental stores and grocery spends.
Earn assured Bonus Reward Points on achieving annual spends of Rs. 3 Lakhs and above.
4 complimentary visits per calendar year to International Priority Pass Lounges, outside India (max. 2 visits per quarter) and 8 complimentary visits per calendar year to Domestic VISA/Mastercard Lounges in India (max. 2 visits per quarter).
Enjoy complimentary Trident Privilege Red Tier membership. Get exclusive 1,000 Welcome Points on registration. Enjoy 1,500 Bonus Points on your first stay & additional Rs. 1,000 hotel credit on extended night stay.
Your SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage. You are also entitled to 2 Reward Points on every Rs. 100 spent on International transactions.
Get Complimentary membership to the Priority Pass Program worth $99. Enjoy up to 6 complimentary Airport Lounge visits per calendar year, outside India (max. 2 visits per quarter) w.e.f. 1st July, 2017. You can access over 1000 Airport Lounges worldwide.
Enjoy complimentary Club Vistara Silver membership. Get 1 complimentary upgrade voucher. Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights.
Get dedicated assistance on Flower Delivery, Gift Delivery, and Online Doctor Consultation.
There are multiple reasons to choose Finserv MARKETS to apply for SBI Credit Cards:
Just follow these 5 quick steps and you’re done!
Sr No |
Reward Point |
Value |
1 |
Welcome Rewards |
Rs. 5000 |
2 |
Complimentary Movie Tickets |
Rs. 6,000 |
3 |
50,000 Milestone Rewards |
Rs. 12,500 |
4 |
Rewards on International Transactions |
2 points per Rs. 100 per spent |
5 |
ELITE Rewards |
2 points per Rs. 100 spent |
The SBI Card ELITE Fees and Charges include:
Annual Fee (one-time) |
Rs. 4999 + taxes |
Renewal Fee (per annum) |
Rs. 4999 + taxes from second year onwards |
Add-on Fee (per annum) |
Nil |
Finance charges |
Up to Rs. 25 or 3.35% per month (whichever is higher) |
Minimum amount due |
5% of Total Outstanding |
Cash Advance Limit |
Up to 80% of credit limit, with a maximum of Rs. 12,000 per day |
Free Credit Period |
Nil |
Payment Dishonour fee |
2% of the payment amount, subject to a minimum of Rs. 500 |
Statement retrieval |
Rs. 100 per statement, which is two or more months old |
Late payment |
NIL for Total Amount due from Rs. 0- Rs. 500; Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000; Rs. 750 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000; Rs. 950 for Total Amount due greater than Rs. 10,000 |
Card replacement |
Rs. 100 |
Emergency card replacement, when abroad |
Actual cost, with a minimum of $175 |
Foreign currency transaction |
Conversion mark-up - 1.99% |
Dynamic Currency Conversion |
Mark-up Fee: 3.50% (For All Cards Except ELITE) 1.99% (For ELITE Cardholders Only) (Only for transactions greater than or equal to Rs. 1,000) |
Surcharges |
Railway tickets through counters: Rs. 30 + 2.5% of transaction amount Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable Petrol and other products or services sold at petrol pumps: 1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts. 1% of transaction amount for transaction amount between Rs. 500 to Rs. 4,000 |
You can call the on SBI Card Customer Care team helpline number: 1860 180 1290 (toll free) or 39 02 02 02 (prefix local STD code). You can also send them an email at customercare@sbicard.com.
You can pay your bills using the multiple channels like the mobile app, UPI, etc. Here’s how to pay the bills using the SBI card mobile app:
Step 1: Download the SBI card mobile app from Apple iOS, Android or Windows app store (hyperlinks for each of the app stores) and using your SBI card online user ID and password. If you haven’t registered yet, click Register Now.
Step 2: Click on ‘Pay now’ button at the bottom of the Account Summary page.
Step 3: Enter your registered Mobile No & Email ID if not updated already
Step 4: Select the amount you wish to pay
Total Outstanding Amount
Minimum Amount Due
Any Other Amount
Step 5: Select the payment option and the bank name from the drop down menu. Confirm the details and be securely re-directed to your bank’s payment interface to authorize the payment.
Your account will get debited online and you will receive an online transaction confirmation with a Transaction Reference Number which will also be sent on your registered mobile no. and e-mail id. Your payment will instantly reflect on your SBI Credit Card account.
Reward points accumulated on your credit card account can be redeemed in the following ways :-
Redemption against Gift Voucher can be made through sbicard.com or SBI card mobile app.
Redemption against cash can be made by writing at sbicard.com/email or by calling at the SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code).
Step 1- Login to sbicard.com
Step 2- Click on “Rewards” and then click on “Redeem Rewards”.
Step 3- Browse through the Rewards Catalogue and choose item of your choice
Step 4- Click on “Redeem now” and confirm.
E Vouchers: Delivered in 05 calendar days on best effort basis
Gifts: Delivered in 15 calendar days on best effort basis
Cardholders can get their limit revised in the following ways:
To get the credit limit increase on your card, follow the below mentioned steps:
Login to Chatbot ILA, ask query for Credit Limit increase and follow the guided steps.
Yes, the new card will be chargeable in case of any upgrade or flip. Upgrade to a higher card variant would always be done at a charge, subject to requisite approvals.
S. No |
Document |
Accepted As identity proof |
Accepted as Residence proof |
1 |
Copy of Passport / Voter Card/ Driving License/ Aadhar Card |
YES |
YES |
2 |
Copy of PAN Card |
YES |
NO |
3 |
Letter of allotment of accommodation from employer issued by State or Central Government departments, statutory or regulatory bodies, public sector undertakings, scheduled commercial banks, financial institutions and listed companies. |
NO |
YES |
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.
Though all eligible customers are informed via SMS, alternatively you can also check your eligibility for pre-approved credit increase offer.
Login to sbicard.com and click on ‘Offers’ or ‘Benefits’ tab on left hand side. Check for any credit limit increase offer on your account & click on the ‘Submit’ button.
In case you are eligible, then send SMS ‘INCR XXXX’ (last 4 digits of your card number) to 5676791 from your registered mobile number, or write at sbicard.com/email.
Alternatively, you can call on the helpline number at 39 02 02 02 (prefix local STD code) or 1860 180 1290.
Cash Limit is the amount included in the credit limit assigned to your card account that can be withdrawn as cash.
Cash withdrawal from your credit card is subject to applicability of interest charges and cash withdrawal fee.