• Welcome benefit: Receive e-vouchers worth Rs. 5,000 from select brands. Enjoy shopping, travel, fashion, and more with these versatile vouchers. Elevate your lifestyle from the moment you get your SBI Elite Credit Card.
• Explore premium choices in travel, clothing, footwear, and shopping.
• Your gateway to luxury and rewards begins with this exclusive welcome offer.

The SBI Elite Credit Card offers:

• Movie and dining benefits with free movie tickets and dining discounts.
• Reward rate of 2.5% on groceries, dining, movies, and department store spending.
• Redemption options for gift vouchers or statement balance.
• Complimentary travel memberships and airport lounge access.
• Golf privileges and insurance coverage.
• Core rewards of 4% on transactions, 5X points on select categories, and 2% on other spends.
• Milestone rewards on annual spending.
• No rewards on wallet transactions.

You can easily redeem your reward points with the SBI Elite Credit Card:

• Redemption Options: You can use your reward points for gift vouchers and statement cash.
• Redemption Fee: There is no fee for redeeming your points.
• Transfer Partners: The card does not offer any transfer partners.
• Value: Each reward point is worth Re. 0.25 when redeemed for gift vouchers, products, or cashback.

• Attractive welcome benefits worth Rs. 5,000.
• Access to domestic and international airport lounges.
• Competitive reward rates on dining, groceries, and department store expenses.
• Lucrative milestone rewards for high spenders.
• Enjoy two complimentary movie tickets each month.

• Lower reward rate compared to other premium cards.
• Average returns on spending.
• High renewal fee waiver requirement of Rs 10 lakhs.
• Relatively high renewal fee of Rs. 4,999.

• Welcome Perks: Enjoy a Rs. 5,000 Gift Voucher from top brands.
• Milestone Rewards: Earn up to 15,000 Bonus Reward Points by meeting spending milestones.
• Travel Advantages: Free lounge access, hotel discounts, and club memberships.
• Airport Lounge Access: 2 domestic and 6 international lounge visits per year.
• Movie and Dining Benefits: Complimentary/discounted movie tickets and dining offers.
• Golf Privileges: Four free golf rounds, golf lesson, and discounts (MasterCard variant).
• Concierge Service: Assistance with various services.
• Lower Foreign Markup Fee: 1.99% on foreign transactions.
• Annual Fee Waiver: Spend Rs. 10 lakhs to waive the annual fee.
• Fuel Surcharge Waiver: 1% waiver on fuel transactions between Rs. 500 and Rs. 4,000, up to Rs. 250/month.

• Spend-Based Fee Waiver: Annual renewal fee of Rs. 4,999 waived on spending Rs. 10 lakh or more in the previous year.
• Rewards Redemption Fee: Rs. 99 + taxes per redemption request.
• Foreign Currency Markup: 1.99% of the transaction amount for foreign currency transactions.
• Interest Rates: 3.50% per month (42% per annum).
• Fuel Surcharge: 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at fuel stations (max waiver of Rs. 250/month).
• Cash Advance Charges: 2.5% of the transaction amount with a minimum charge of Rs. 500.
• Add-on Card Fee: No fee for add-on cards.
• Annual Fee: Rs. 4,999.
• Finance Charges: 42% per annum.
• Late Payment Charges: Vary based on the outstanding amount.
• Joining/Renewal Fee: Rs. 4,999 + GST with a welcome benefit of a Rs. 5,000 Gift Voucher. Renewal fee waived on spending Rs. 10 lakhs in a membership year.
• Forex Markup Charges: 3.50%.
• Fee Reversal Criteria: Spend Rs. 10 lakhs in a year to reverse the annual fee.