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REWARD POINTS CARD

KVB SBI Card ELITE

SBI Card

Welcome e-Gift voucher, free movie tickets every year and bonus reward points on annual spend milestones, with international and domestic lounge access.

Movie tickets are valid on primary cards only. Bonus points depend on annual spends. After the free visits, Priority Pass lounge visits are charged at $27 + taxes each.

KVB SBI Card ELITE
ANNUAL FEE
₹4,999 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Up to 50,000 bonus Reward Points worth ₹12,500 every year on annual spend milestones
BEST FOR
Included: May suit cardholders with annual spends that can reach the milestone levels and who use movies.
Included: May suit spends on dining, departmental stores and groceries, which earn 5X Reward Points.
Included: May suit frequent flyers who can use the international and domestic lounge visits.
Included: May suit higher annual spenders aiming for the bonus-point milestones or the annual fee reversal.
Limitation: Those with high fuel spends, which are excluded from the 2 points per ₹100 rate may wish to compare other cards.
Limitation: Those who cannot reach the annual spend milestones that unlock bonus points may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Free movie tickets are valid on primary cards only.
Condition: Priority Pass is for primary cardholders only and complimentary membership is valid for 2 years only.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
Not stated
Annual / renewal fee
₹4,999 + GST
Fee waived at
₹10,00,000 in annual spends (annual fee reversal)
Forex markup
1.99%
Finance charge
Not stated
Cash withdrawal fee
Not stated
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
2 visits per quarter — 2 visits every quarter · Lounge list is on the bank page; no spend condition stated for domestic visits.
International airport lounge
6 visits per quarter — 6 visits per calendar year, outside India (max. 2 visits per quarter) · Priority Pass membership worth $99; $27 + taxes per visit after free visits; primary cardholders only; membership valid 2 years.
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass (international lounges)
EVERYDAY
Fuel
1% on transactions of ₹500–₹4,000 at all petrol pumps in India; max ₹250 per month, per statement cycle
Dining
5X Reward Points on dining, departmental stores and grocery spends
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel spends are excluded from the 2 reward points per ₹100 rate on other spends.
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Not stated

Who this card may suit

MAY SUIT
Included: Up to 50,000 bonus Reward Points worth ₹12,500 every year on annual spend milestones
Included: Concierge service for flower delivery, gift delivery and online doctor consultation.
Included: Earns 2 Reward Points per ₹100 on international transactions, with a forex mark-up of 1.99%.
Included: Complimentary 1-year Club ITC Silver Tier membership, available after the first transaction within 60 days of card issuance.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
Visit bank website (opens in a new tab)

Figures last checked 31 Oct 2026 against the issuer’s published terms.