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REWARD POINTS CARD

SBI Card ELITE

SBI Card

Welcome e-Gift Voucher, free movie tickets and bonus Reward Points on annual spend milestones, plus 5X points on dining, departmental stores and grocery, and international lounge visits.

Movie tickets apply to primary cards only. Bonus points and the annual fee reversal depend on annual spend milestones. Priority Pass membership is valid for 2 years only. Fuel is excluded from the 2 points per ₹100 earn.

SBI Card ELITE
ANNUAL FEE
₹4,999 + GST
JOINING FEE
Not stated
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Welcome e-Gift Voucher worth ₹5,000 from Yatra, Hush Puppies / Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop.
BEST FOR
Included: May suit cardholders who spend heavily each year and can reach the ₹3 lakh to ₹10 lakh milestones.
Included: May suit spenders who expect annual spends of ₹3 lakh or more to reach bonus point milestones.
Included: May suit spenders who often use dining, departmental stores and grocery categories.
Included: May suit those who travel abroad and would use international Priority Pass lounge visits.
Limitation: Those low annual spenders may wish to compare other cards.
Limitation: Those with low annual spends, given the ₹4,999 + taxes annual fee may wish to compare other cards.
Limitation: Those who mainly spend on fuel, which is excluded from the 2 Reward Points per ₹100 may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Reward points are not earned on fuel spends under the 2 points per ₹100 rate.
Condition: After the 6 complimentary Priority Pass visits a year, a usage fee of $27 + applicable taxes is charged per visit.

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
Annual fee reversal on annual spends of ₹10 lakh
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
International airport lounge
6 visits per quarter — 6 visits per calendar year, outside India (max. 2 per quarter) · Priority Pass membership worth $99, valid 2 years only; $27 + taxes per visit after free visits
Railway lounge
Not stated
Lounge spend requirement
Not stated
Lounge programme
Priority Pass
EVERYDAY
Fuel
1% on transactions between ₹500 and ₹4,000 at all petrol pumps in India; max ₹250 per statement cycle per card account
Dining
5X Reward Points on dining spends (with departmental stores and grocery).
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
Fuel spends are excluded from the 2 Reward Points per ₹100 earn.
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: Welcome e-Gift Voucher worth ₹5,000 from Yatra, Hush Puppies / Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop.
Included: Free movie tickets worth ₹6,000 every year and 1-year Club ITC Silver Tier Membership (first transaction within 60 days of issuance).
Included: Concierge assistance for flower delivery, gift delivery and online doctor consultation.
Included: Complimentary fraud liability cover of ₹1 lakh, applying from 48 hours before reporting the loss up to 7 days after.
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.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.