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SBI Card Elite Credit Card

SBI ELITE Credit Card is your ticket to a better life. Complete travel packages with 8 free international and domestic airport visits per calendar year, enjoy Forex Markup, Private Link, Vistara Club Membership, Trident Privilege and more!

Features of SBI Elite Credit Card

Welcome gift:   
Welcome e-gift voucher of  5,000 for spending at premium brands such as Yatra, Marks & Spencer, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.

Complimentary movie tickets:   
Free Movie Tickets every year worth  6,000 (valid for at least 2 movie tickets per booking per month, maximum discount that can be availed is  250 per ticket for 2 tickets only, excluding convenience fee).

Milestone Privileges:

  • Bonus Reward Points up to 50,000 (worth  12,500 each year)
  • Bonus Reward Points of 10,000 on annual spends of  3 Lakh and  4 Lakh
  • 15,000 Bonus Reward Points on annual spends of  5 Lakh and 8 Lakh
  • Reverse Annual Fee worth 4999 on total spends of  10 Lakh or more in the previous year

ELITE Rewards

  • 5X Reward Points on all retail spends on Dining, Departmental Stores, and groceries.
  • 2 Reward Points on 100 spent on all other categories except fuel.
  • Redeem your points conveniently by paying out your card dues with accumulated points.   
    4 Elite Reward Points =  1

Documents required for SBI Elite Credit Card

KYC fulfillment: Passport/ Voter's ID Card/ Driving Licence/ Aadhaar Letter or Card/NREGA Card/PAN Card

Address proof: Utility Bills/ Ration Card/ Passport

ID proof: Aadhar Card/ PAN card/ Driving license/ Voter Id Card

Income Proof: Last 3 Salary slips / bank statements


SBI ELITE Credit Card Annual Fee & Joining Fee

Joining Fees: Rs 4999 + Taxes (Welcome gift worth Rs. 5,000) 
Annual Fees: Rs 4999 + Taxes

Eligibility for SBI ELITE Credit Card

  • Should be an Indian resident
  • Minimum age of 18 years
  • Must be salaried or self employed
  • Possess last 3 months bank statements

Fee and Interest rates

  • Annual Fee:  4,999 (one time)
  • Renewal Fee:  4,999 per annum (from 2nd year onwards)
  • Extended credit charges: Up to 3.35%/month and 40.2%/annum, from the transaction date
  • Minimum amount due charges: 5% of the total outstanding amount (minimum  200 + EMI (for EMI based product) + all applicable taxes + OVL amount (if any)
  • Cash advance charges (after free credit period): Up to 3.35%/month and 40.2%/annum, from the withdrawal date
  • Cash advance fee (SBI or other ATMs): 2.5% of the amount of transaction (minimum  300)
  • Cash advance fee (International ATMs): 3% of the amount of transaction (minimum  300)
  • Statement retrieval fee:  100 for per statement more than 2 months' old
  • Fee for payment dishonor: 2% of the payment amount (minimum  450)
  • Fee for cheque pick-up:  100
  • Cheque fee:  100 for payments done through cheque up to  10,000
  • Late payment charges:
  • For amount due  0 -  200: Nil
  • For amount due  200 -  500:  100
  • For amount due  500 -  1,000:  400
  • For amount due  1,000 -  10,000:  600
  • For amount due  10,000 -  25,000:  800
  • For amount due above  25,000:  950
  • Overlimit Charges: 2.5% of the over limit amount (minimum  500)
  • Card replacement fee:  100
  • Emergency card replacement fee when abroad: Actual cost (minimum $175)
  • Dynamic Currency Conversion fee/Markup Fee: 1.99% for ELITE Cardholders, only for transactions above or equal to  1,000), 3.50% (for all other cards)
  • Foreign currency transaction/Conversion mark up 1.99%
  • Rewards redemption fee:  99
  • Charges for Priority Pass Lounge: $27 per visit + applicable taxes for All Airport Lounge visits within India. $27 per visit + applicable taxes for All Airport Lounge visits outside India.
  • Cash Payment Fee:  100


  • Railway tickets via counters:  30 + 2.5% of the transaction amount
  • Railway tickets via 1.8% of transaction amount + service charge (as applicable)
  • Petrol & other products or services that are sold at petrol pumps: 1% fuel surcharge waiver for every transaction between  500 -  4,000 + applicable taxes and all other charges.
  • Maximum surcharge waiver:  250 per statement cycle, per credit card account. 1% of transaction amount (for  500 to  4,000 transaction amount)

Cashback & Rewards benefits

Fuel Waiver

Enjoy 1% Waive off on Fuel Surcharge across all petrol pumps. (Govt. Service Tax extra as applicable). Maximum Surcharge Waiver of  250 per month per credit account.

International Lounge Program

  • Complimentary membership worth $99 to the Priority Pass Program.
  • 6 complimentary visits to Airport Lounge per year, outside India (maximum 2 visits each quarter w.e.f. 1st July 2017).
  • Access to 1000+ Airport Lounges worldwide. 

Terms and Conditions:

  1. Only Primary Cardholders of SBI Card ELITE are eligible for Priority Pass and complimentary membership. It will be valid for 2 years only.
  2. Call SBI Card customer helpline numbers: 1860 180 1290 or 39020202 (prefix Local STD code) to receive your Priority Pass.
  3. Usage fee of $27 + applicable taxes will be charged on your SBI Card ELITE for visits to the Priority Pass member lounge after the complimentary visits.
  4. You can check details of Priority Pass member Lounges on SBI Card Official website.

Domestic Lounge Program

2 complimentary visits to Domestic Airport Lounges every quarter in India. To use the offer, use your card at the respective lounges. It is a limited offer and comes to by Visa /MasterCard. Check out the list of participating lounges on SBI Card website.

Club Vistara Membership

  • Complimentary membership to Club Vistara Silver: Vouchers for complimentary Lounge Access and Upgrade (1 each)
  • Earn 9 Club Vistara Points for spending every  100 on Vistara flights.
  • The offer is only available to primary cardholders.

Trident Privilege Membership 

  • Complimentary membership to Trident Privilege Red Tier: 1,000 Welcome Points on registration, 1,500 Bonus Points on the first stay, and additional  1,000 hotel credit on extended night stay.
  • You will also enjoy 10% instant discount on using your SBI Card ELITE for booking through the hotel website.
  • Avail 10 points on every 100 spent (excluding taxes) during your stay.
  • Offer is valid for Primary Cardholders only

Lowest Forex Markup

SBI Card ELITE comes with the lowest Foreign Currency Mark-up Charge, i.e., 1.99% on International usage. The car member also gets 2 Reward Points on spending every  100 on International transactions.

Exclusive Concierge Service

Assistance with gift delivery, movie and hotel reservations, customized holiday packages, and so on. You can request Concierge Services by calling at 022-42320257 or writing a request at [email protected]

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