SBI Card ELITE
SBI Card · Visa · Super Premium card
Fills the premium lifestyle gap between SBI Card PRIME and invitation-led products, with meaningful movie, lounge, milestone and low-forex value.
High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder.
Terms checked 13 Sept 2026
- Annual fee
- ₹4,999 + GST
- Joining fee
- ₹4,999 + GST
- Base reward rate
- 0.5%
- Forex markup
- 2.0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 2.5% |
| Dining & delivery | 2.5% |
| Online shopping | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Entertainment & movies | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹10,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 6 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
6 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Maximum two complimentary international visits per calendar quarter.
Movies and entertainment
BookMyShow · 100% discount · up to ₹500 · 1 use/month
Availability: Minimum two movie tickets per booking; maximum ₹250 per ticket and ₹500 per month..
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 4 items
Dining and grocery bonus
Usage-based valueEight incremental points plus the two-point base produce 10 points per ₹100 on eligible dining and grocery purchases.
Department-store bonus
Usage-based valueEight incremental points plus the two-point base produce 10 points per ₹100 at eligible departmental stores.
Conditions: Eight incremental points plus the two-point base produce 10 points per ₹100 at eligible departmental stores.
Base reward points
Usage-based valueTwo reward points per ₹100 on eligible retail purchases; base points continue after the accelerator cap is reached.
10 points per ₹100 on eligible dining, grocery and departmental-store spend
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹4,999₹4,999 annual fee before applicable tax.
Joining fee
Cost ₹4,999₹4,999 one-time joining fee before applicable tax.
Fee waiver · 1 item
Annual fee waiver
Usage-based · up to ₹4,999Annual fee may be waived after ₹10,00,000 of eligible annual spending.
Conditions: Reach ₹10,00,000 eligible annual spending
Welcome benefits · 1 item
₹5,000 welcome e-gift voucher
Recorded value ₹5,000Choice from the eligible lifestyle and travel voucher brands.
Conditions: Pay the applicable joining fee · Claim within the issuer fulfilment window
Spend milestones · 4 items
10,000 points at ₹3 lakh
10,000 reward unitsUnlocked after ₹3,00,000 of eligible spending.
Conditions: Reach ₹3,00,000 per card anniversary year
Exclusions: fuelCommute · rent
10,000 points at ₹4 lakh
10,000 reward unitsUnlocked after ₹4,00,000 of eligible spending.
Conditions: Reach ₹4,00,000 per card anniversary year
Exclusions: fuelCommute · rent
15,000 points at ₹5 lakh
15,000 reward unitsUnlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Exclusions: fuelCommute · rent
15,000 points at ₹8 lakh
15,000 reward unitsUnlocked after ₹8,00,000 of eligible spending.
Conditions: Reach ₹8,00,000 per card anniversary year
Exclusions: fuelCommute · rent
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified.
International lounge access
Usage-based value6 visits per year through Priority Pass. Guest access: chargeable. Maximum two complimentary international visits per calendar quarter.
Movies and entertainment · 2 items
BookMyShow movie offer
Usage-based · up to ₹6,000100% discount up to ₹500, 1 time per month. Minimum two movie tickets per booking; maximum ₹250 per ticket and ₹500 per month.
24x7 travel, hotel, movie and gift concierge assistance
Shown without a cash value
Golf · 1 item
Four complimentary golf rounds, up to 50% off games and one complimentary lesson monthly under network terms
Shown without a cash value
Fuel benefits · 1 item
2.5% fuel surcharge waiver capped at ₹250 per month
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value1.99% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish a universal numeric income threshold for ELITE.
Other categories (7)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Card tiers
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Memberships
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Other benefits
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 10 points per ₹100 on eligible dining, grocery and departmental-store spend
- ✓ Movie tickets worth up to ₹500 each month
- ✓ Eight domestic and six international airport lounge visits yearly
- ✓ 50,000 milestone points worth ₹12,500 by ₹8 lakh annual spend
What to watch
The ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Government payments · Online gaming · Cash withdrawal · Balance transfer · Encash · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Air-accident cover discontinued
SBI Card discontinued the former complimentary air-accident insurance benefit.
- Before
- The card included ₹1 crore air-accident cover.
- After
- The air-accident cover is no longer part of the current ELITE benefits.
Checked 22 Sept 2026SBI Card insurance benefit notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 15 Jul 2025