SBI Elite Credit Card

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Whether you want to earn rewards or save more with discounts and deals, you will never fall short of Credit Card options. Paisabazaar is the right place to find the card that best fits your needs.

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हिंदी में पढ़े

SBI Elite Credit Card is counted among the best premium credit cards in the market. This card is good for lounge access and for getting free movie tickets every month. An excellent rewards program allows you to make the most of every rupee you spend on the card.

What makes SBI Elite Credit Card Stand Out?

It is among the few credit cards in the market offering travel, movie and reward benefits all at once. The card offers airport lounge access through the complimentary Priority Pass Membership and airline benefits under the Club Vistara Silver Membership. You can also avail free movie tickets worth Rs. 6,000 every year.
SBI Elite Credit Card: Key Highlights
Common SBI Card Benefits
Explore Other Credit Cards by SBI Card
SBI Elite Credit Card Fees and Charges
SBI Elite Credit Card Eligibility Criteria & Documents Required
How to Apply for SBI Elite Credit Card?
Frequently Asked Questions (FAQs)
How does SBI Card ELITE compare against other Premium Credit Cards?
Explore Other Travel Credit Cards

SBI Elite Credit Card: Key Highlights

Welcome Gift- Gift voucher worth Rs. 5,000 from an array of travel and lifestyle brands such as Yatra, Hush Puppies/Bata, Marks & Spencer, Pantaloons and Shoppers Stop.

Free Movie Tickets- SBI Elite credit cardholders can enjoy free movie tickets worth Rs. 6,000 per year. The transaction is valid for at least 2 tickets per booking per month.

Milestone Bonus- Earn up to 50,000 bonus reward points worth Rs. 12,500 year and 10,000 bonus reward points on achieving annual spends of Rs. 3 lakh and 4 lakh.

ELITE Rewards- 5X reward points on dining, departmental stores and grocery spend. Get 2 reward points per Rs. 100 for all other expenses, except fuel.

Airport Lounge Access- 6 complimentary airport lounge visits per year, outside India and 2 complimentary domestic airport lounge per quarter.

Club Vistara Silver Membership- The customers can enjoy complimentary Club Vistara Silver membership and can avail 1 complimentary lounge access voucher and 1 upgrade voucher. 9 Club Vistara Points can be earned for every Rs. 100 spent on Vistara Flights.

Concierge Services- This card provide assistance with gift delivery, customized holiday packages, movie and hotel reservations.

SBI Elite Credit Card
Good for: 

  • People who love to go to movies
  • People who travel for business often
  • Shoppers who prefer rewards over cashback
 Bad for: 

  • Travellers looking for air mile earnings
  • People who want to save on fuel purchases
  • Customers looking for a low-fee credit card

Common SBI Card Benefits

The following features can be availed across all SBI credit cards including the SBI Elite Card:

Fuel Surcharge Waiver– You can enjoy 1% fuel surcharge waiver on fuel transactions at all the petrol pumps.

Global Acceptance- SBI cards are accepted in over 24 million outlets across the world, including 3,25,000 outlets in India.

Chip Enabled- Your credit card is safe and secure against counterfeiting and skimming as it is chip and pin enabled.

Balance Transfer Facility- You can transfer outstanding balances from other cards and enjoy the benefit of lower rates of interest and payback in easy EMIs.

Fraud Liability Cover- You can avail complimentary credit card fraud liability cover of Rs. 1 lakh.

Flexipay- Convert your transactions above Rs. 2,500 in EMIs using the Flexipay facility.

Easy Money- You can get a cheque or draft made against your cash limit and get it delivered.

Add-on Cards- Share the benefits by getting add-on cards for your spouse, children, siblings or parents who are above 18 years of age.

Emergency Card Replacement- You can get your credit card replaced anywhere in the world by calling the 24×7 helpline. In case your card is lost in India, you can call on (prefix STD Code) 39 02 02 02 or 1860 180 1290 for card replacement.

SBI Elite Credit Card Fees and Charges

Fees and charges associated with SBI Card Elite credit card are:

Fees/Charges Amount/Rate
Annual Fee  Rs. 4,999 (One-Time)
Renewal Fee Rs. 4,999
Add-on Fee (per annum) Nil
Extended Credit Interest Free Credit Period 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
Extended Credit Charges Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction
Extended Credit Minimum Amount Due 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
Cash Advance limit Up to 80% of the credit limit, maximum Rs. 15,000 per day
Free Credit Period Nil
Cash Advance Charges Up to 3.35% per month accounting to 40.2% per annum from the date of withdrawal
Cash Advance Fee SBI or Other Domestic ATMs 2.5% of withdrawal or Rs. 300 per transaction, whichever is higher
Cash Advance fee International ATMs 3% of withdrawal or Rs. 300 per transaction, whichever is higher
Overlimit Charges 2.5% of the over limit amount subject to a minimum of Rs. 500
Late Payment Fee • Nil for the total amount due from Rs. 0 to Rs. 200
• Rs. 100 for the total amount due greater than Rs. 200 and up to Rs. 500
• Rs. 400 for the total amount due greater than Rs. 500 and up to Rs. 1,000
• Rs. 600 for the total amount due greater than Rs. 1,000 and up to Rs. 10,000
• Rs. 800 for the total amount due greater than 10,000 and up to Rs. 25,000
• Rs. 950 for the total amount due greater than Rs. 25,000

SBI Card Elite

SBI Elite Credit Card Eligibility Criteria & Documents Required

In order to apply for SBI Elite Credit Card, you must meet the following criteria:

  • Eligible age for salaried employees is between 21 and 70 years
  • Eligible age for self-employed people is between 25 and 70 years
  • The applicant must be an Indian citizen
  • The applicant must have an active credit history

Documents Required

SBI Card will ask for copies of important documents such as proof of identity, address and income. Given below is a list of documents that are generally accepted as valid proofs. The issuer has the right to ask for additional documents as it deems fit.

Proof of Identity PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI
Proof of Address Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 month’s old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement
Proof of Income Latest one or 2 salary slip (not more than 3 months old), Latest Form 16, Last 3 months’ bank statement

How to Apply for SBI Elite Credit Card?

  • Click here to start the application
  • Enter basic details such as contact number, income, occupation, etc
  • Select the SBI Elite credit card from the available drop-down options list
  • Proceed with the eligibility check by providing some more details
  • If eligible, proceed with the application by providing personal details and employment details
  • Click on submit to complete the process
  • Once the details are verified, an executive will get in touch

Frequently Asked Questions (FAQs)

Is SBI Card Elite credit card internationally acceptable?                                                  

Air India SBI Signature credit card is accepted at over 24 million Visa outlets worldwide, including 3,25,000 outlets in India.

Where can I avail the waiver of fuel surcharge?

Fuel surcharge can be waived off at any petrol pump in India.

Can I earn Elite Rewards on fuel transactions?

No, Elite rewards cannot be earned on fuel transactions.

Can I transfer my outstanding balance on any other bank’s credit card?

Yes, SBI Card Elite credit card provides the facility of ‘Balance Transfer’ via which you can transfer your outstanding balance on any other bank’s credit card.

How does SBI Card ELITE compare against other Premium Credit Cards?

Credit Card  Annual Fee Reward Points Net Savings
SBI Card Elite Rs.4,999 Earn up to 50,000 bonus reward points worth Rs.12,500 and 5X Reward Points on dining, departmental stores etc. Rs.12,081*

Rs.20,661**
CitiBank PremierMiles Rs.3,000 Earn 10,000 Air miles on spending Rs.1000 within 60 days of issuance Rs.11,616*

Rs.21,732**
Standard Chartered Emirates World Credit Card Rs.3,000 Earn 4 Skyward miles per Rs. 150 spent on domestic transactions and 6 skyward miles on international transactions Rs.8,796*

Rs.10,404**
American Express Platinum Travel Rs.5,000 Earn Welcome Gift of 5000 milestone bonus membership Reward Points Rs.8,520*

Rs.34,640**
ICICI Bank Manchester United Signature Credit Card Rs.2,499 Earn 5 PAYBACK points per Rs. 100 spent at retail purchases Rs.8,397*

Rs.15,621**

*On spending Rs.2 lakh annually

**On spending Rs.4 lakh annually

Explore Other Travel Credit Cards

Other recommended travel credit cards are:

Credit Card Annual Fee Key Feature Paisabazaar Rating

Axis Bank Vistara Signature Credit Card

Rs.3,000

 Get complimentary Club Vistara Silver Membership

Earn 4 Reward Points for every Rs.200 spent

N.A.

Standard Chartered Emirates World Credit Card

Rs.3,000

 Access to International Airport Lounges

Enjoy Complimentary Golf Game once a year

3.7/5

MakeMyTrip ICICI Platinum Credit Card

NIL

 Lemon Tree Hotel Vouchers worth Rs. 2000 as joining gift

Get complimentary MMT Black Membership

3.3/5

Axis Bank Vistara Infinite Credit Card

Rs.10,000

 Get free Club Vistara Gold Membership

Earn 6 Club Vistara points per Rs. 200 spent

N.A.

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State Bank of India SBI Elite Credit Card
(3.4/5 ) 104 Reviews
Write a review
Jun 26 , 2019
3/5
Renewal fee

I am renewing my card once again by paying a renewal fee of 2999.

Jun 26 , 2019
3/5
Contactless card

This is a contactless card. So, I don't have to do anything but wave my card and it is done.

Jun 26 , 2019
3/5
Suggest whats beneficial

I like how Paisabazaar executives spend time to understand the requirements of the customers and then suggest what's beneficial.

Jun 26 , 2019
3/5
Paisabazaar is the best

The support team and the staff of Paisabazaar is the best.

Jun 26 , 2019
3/5
Best Portal

I can say it over and over again, if I need a banking service again in future, I will come straight to this portal.

Jun 26 , 2019
3/5
Simplified banking

Paisabazaar has actually simplified banking for me to a great extend.

Jun 26 , 2019
3/5
Better platform

I don't think there's any better platform than Paisabazaar. It is the best.

Jun 26 , 2019
3/5
Keep up the good work

Lot of appreciation and luck to the team of Paisabazaar. Keep up the good work.

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