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SBI Card ELITE

State Bank of India offers SBI Card ELITE, a premium credit card dedigned specially for high net worth individuals and frequent spenders. It is specifically for people who seek a luxirious lifestyle and travel frequently. It is a travel and lifestyle credit card that stands out for its generous rewards on international and dining expenditures, complimentary access to domestic and international airport lounges and milestone benefits. Read on to know more about features, benefits, eligibility criteria and fees associated with SBI Card ELITE. 

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1st Year Fee

₹4,999₹4,999
  • First year fee upto:

    ₹4,999

Card Fee Type

    Card Network

    Free Movie Tickets Worth ₹ 6,000 Every Year

    • SBI Card ELITE

      1st year fee

      :  

      ₹ 4,999

    Apply Now
    See Less
    Updated On - 04 Dec 2025

    Key Highlights of the SBI ELITE Card

    1. Avail an e-Gift Voucher of Rs.5,000 on payment of the annual fees.
    2. Get free movie tickets worth Rs.6,000 every year.
    3. Earn up to 50,000 bonus reward points worth Rs.12,500 per annum.
    4. You get access to the Priority Pass Program worth $99 (Valid for 2 years).
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    Features and Benefits of the SBI ELITE Card

    Welcome benefits

    1. Avail an e-Gift Voucher of Rs.5,000 on payment of the annual fees.
    2. You can choose the voucher from any of the following brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

    Entertainment benefits

    1. Get free movie tickets worth Rs.6,000 every year.
    2. This offer will be valid for a minimum of 2 tickets per booking per month.
    3. A maximum discount of Rs.250 per ticket will be available for two tickets and a convenience fee will be chargeable.

    Milestone benefits

    1. Earn up to 50,000 bonus reward points worth Rs.12,500 per annum.
    2. Earn up to 10,000 bonus reward points on an annual expenditure of Rs.3 lakh and Rs.4 lakh.
    3. Earn up to 15,000 bonus reward points on annual spends of Rs.5 lakh and Rs.8 lakh.
    4. When you spend Rs.10 lakh in a year, the annual fee for the previous year will be reversed.

    ELITE Rewards

    1. Earn 5X reward points for spending on department stores, dining, and groceries.
    2. Earn 2 reward points for every Rs.100 spent on all other spends.
    3. Do note that the reward points cannot be earned on fuel spends.

    Airport and lounge benefits

    1. You get access to the Priority Pass Program worth $99.
    2. Get 6 complimentary international airport lounge visits every year. (2 visits per quarter).
    3. You get 2 complimentary domestic airport lounge visits every quarter.

    Low Foreign Exchange Markup

    1. The SBI ELITE credit card offers the lowest forex mark-up charge at 1.99% for international use.
    2. You also earn 2 reward points for every Rs.100 spent on internataional transactions.

    Concierge Service

    With this card, you also get exclusive support for flower delivery, gift services, and online doctor consultations. 

    Fuel Surcharge Waiver

    On transactions betweem Rs. 500 and Rs. 4000, you can avail 1% fuel surcharge waiver with a maximum waiver of Rs. 250 per month/statement cycle.

    Apply for SBI Card ELITE
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    How to Redeem Reward Points Earned on SBI ELITE Credit Card Limit

    You earn upto 5X reward points on dining, groceries and departmental stores spends with 10 points on every Rs. 100. The conversion rate is that the value of 4 reward points is Rs. 1. You can easily redeem your reward points via the SBI credit card net banking website by following the steps given below:    

    Step 1: Log into net banking account.

    Step 2: Select the option of 'redeem rewards' from the main page.

    Step 3: Your rewards will be shown on the left side of the page.

    Step 4: Choose the reward category from which you wish to redeem the points.

    Step 5: Add your city.

    Step 6: Input the quantity of the reward and then select 'add to cart'.

    Step 7: Check the disclaimer and then select the option of 'place order'.

    Know about  SBI Credit Card Reward Points  

    Fees and Charges of the SBI ELITE Credit Card

    Type of Charge

    Amount

    Joining Fee

    Nil

    Annual fee

    Rs.4,999

    Renewal fee per annum

    Rs.4,999 (From 2nd year)

    Add-On card fee

    Nil

    Cash advance fee

    2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)

    2.5% of the amount withdrawn or Rs.500 (International ATMs)

    Payment dishonor fee

    2% of the payment amount; minimum of Rs.500

    Cash payment fee

    Rs.250

    Late payment

    1. From Rs.0 to Rs.500 - Nil
    2. More than Rs.500 up to Rs.1,000 - Rs.400
    3. More than Rs.1,000 up to Rs.10,000 - Rs.750
    4. More than Rs.10,000 up to Rs.25,000 - Rs.950
    5. More than Rs.25,000 up to Rs.50,000 - Rs.1,100
    6. More than Rs.50,000 - Rs.1,300.

    Cheque payment fee

    Rs.100

    Over limit fee

    2.5% of the over limit amount; minimum of Rs.600

    Rewards redemption fee

    Rs.99 + applicable taxes

    Foreign currency transaction

    1.99% of the transaction amount

    Eligibility Criteria of SBI ELITE Credit Card

    The eligibility criteria to apply for SBI Elite Credit Card are as follows:

    1. The applicant should be a minimum of 21 years of age up to 70 years.
    2. The applicant should be either salaried or self-employed. 
    3. The applicant should have a good credit score (generally of 700 or above).
    4. Minimum age for an Add-on Card applicant is 18 years. 
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    Documents Required to Apply for SBI Card Elite

    1. Identity proof, which is PAN, driving licence, Aadhaar Card, etc.
    2. Proof of income such as the latest salary slips, Form 16, copy of IT returns, etc.
    3. Filled application form.
    4. A copy of Form 60 or PAN card.
    5. Proof of residence which can be a Passport, Ration Card , electricity bill, Aadhaar, etc.
    6. Colored passport size photographs of the applicant.

    The above-mentioned list of documents is indicative. It can be changed, or additional documents can be asked when you apply for the ELITE credit card.

    How to Apply for the SBI Credit Card Elite Online?

    The primary method to apply for this card is through the website of State Bank of India.

    However, you can also apply for SBI credit card through the website of BankBazaar. To do so, here are the steps which need to be followed:

    1. Step 1: Navigate to the main SBI Card website. You can also go to the SBI Card Website through the website of Bankbazar.
    2. Step 2: Go to the "Credit Cards" section. 
    3. Step 3: Search for the SBI Card ELITE and click on the "Apply Now". Step 4: You will be redirected to the online application page where will need to fill in your personal, residential, occupation and PAN details.
    4. Step 5: You will receive a One-Time Password (OTP) on your registered mobile number for verification of your contact details. 
    5. Step 6: Upload soft copies of required documents as prompted. 
    6. Step 7: After filling all the details and uploading documents, click the "Submit" button.  
    7. Step 8: You will receive an Application/Reference Number which you can use for tracking the status of your application on the offical SBI website. 

    Post-Submission, a representative from the SBI Card team may contact you to schedule an in-person or video KYC verification and collect any necessary physical documents, if required. 

    Apply For Credit Card on BankBazaar

    FAQs on SBI Elite Credit Card

    • How much is the membership fee per annum?

      The annual membership fee for SBI ELITE credit card is Rs.4,999.

    • Explain the fraud liability cover that comes with this card.

      Cardholders are offered a fraud liability cover worth Rs.1 lakh. You will be required to report the loss within 48 hours. You will need to visit the website of the bank or call the SBI credit card customer care helpline.

    • Can I apply for a supplementary card?

      Yes, you can avail of various add-on cards on the ELITE Credit Card. You can apply for a supplementary card online or by visiting the nearest branch.

    • Does this card have any green fees benefits?

      Yes, you can enjoy four free rounds of green fees access and up to 50% discounts on golf games. This comes with 1 free lesson every month at a few golf courses in the country.

    • Will the credit limit of this card automatically increase?

      Many credit card issuers will review accounts on a periodic basis and they will automatically increase the credit limit. However, you can always request for your credit limit for the credit card to be increased.

    • Is it good to increase my credit limit on an SBI ELITE card?

      An increase in the credit limit can actually improve your credit score. This will give you more access to funds in case you have an emergency.

    • What if I lose my SBI ELITE card?

      The facility to replace your SBI ELITE card is available all around the world.

    • Does the SBI ELITE card offer a fuel surcharge waiver?

      Yes, a 1% fuel surcharge is waived off for all transactions between Rs.500 and Rs.4,000 at all petrol pumps in the country.

    • What is the foreign currency mark-up charge of the SBI ELITE card?

      The foreign currency mark-up charge of the SBI ELITE card is 1.99%.

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