SBI ELITE Credit Card

9
Expert ScoreRead review

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 RPs on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery purchases, and departmental stores.
  • Up to 50,000 Bonus Reward Points (equivalent to Rs 12,500) every year on achieving the stipulated spend milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 free domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card.
  • A lower forex mark-up fee of 1.99% of the withdrawn amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).

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Category: Tag:

SBI ELITE Credit Card

9
Expert ScoreRead review

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 RPs on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery purchases, and departmental stores.
  • Up to 50,000 Bonus Reward Points (equivalent to Rs 12,500) every year on achieving the stipulated spend milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 free domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card.
  • A lower forex mark-up fee of 1.99% of the withdrawn amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).
Category: Tag:
Reward Type
Reward Points
Renewal Fee
Rs. 4,999 + GST
Joining Fee
Rs. 4,999 + GST
Type of Card
Shopping
Welcome Benefits
E-vouchers worth Rs. 5,000 from any one of the brands, including Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.

USP of Card

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 RPs on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery purchases, and departmental stores.
  • Up to 50,000 Bonus Reward Points (equivalent to Rs 12,500) every year on achieving the stipulated spend milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 free domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card.
  • A lower forex mark-up fee of 1.99% of the withdrawn amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).

Fees & Charges

Spend Based Waiver
Get an insurance cover worth Rs. 1 lakh that is applicable from 48 hours prior to 7 days post reporting the loss of card
Interest Rates
3.50% per month (42% per annum)
Cash Advance Charges
1.99% of the transaction amount
Rewards Redemption Fee
Rs 99 per redemption request (plus applicable taxes)
Fuel Surcharge
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at all fuel stations across India (max waiver capped at Rs. 250 per month)
Foreign Currency Markup
2.5% of the transaction amount, subject to a minimum charge of Rs 500
Late Payment Fee
-
Add-on Card Fee
Nil

Rewards & Benifit

Movie & Dining offers
Get free movie tickets every month (max benefit capped at Rs. 6,000 per year and Rs. 250 per ticket, offer valid for at least 2 tickets per booking per month),
Reward Redemption
Reward Points are redeemable against gift vouchers on sbicard.com or SBI mobile app or for paying the outstanding balance of the card, 1 Reward Point = Rs. 0.25
Zero Liability Protection
Get an insurance cover worth Rs. 1 lakh that is applicable from 48 hours prior to 7 days post reporting the loss of card
Rewards Rate
2 Reward Points on every Rs. 100 you spend on retail purchases, 5X Reward Points on dining spends, departmental stores, and grocery purchases (reward rate of 2.5%)
Travel
Complimentary CV (Club Vistara) Membership, complimentary Trident Privilege Red Tier membership, and free domestic and international airport lounge access.
Online Shopping offers
5X RPs on spends on dining, grocery purchases, and departmental stores.
Insurance Benefits
Zero liability protection against lost card worth Rs. 1 lakh applicable from 48 hours prior to 7 days post reporting the loss of card to the bank.
Domestic Lounge Access
2 complimentary visits to domestic airport lounges every quarter
International Lounge Access
6 complimentary visits to international airport lounges per year (max 2 per quarter) with the Priority Pass program.
9Expert Score

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 RPs on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery purchases, and departmental stores.
  • Up to 50,000 Bonus Reward Points (equivalent to Rs 12,500) every year on achieving the stipulated spend milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 free domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card.
  • A lower forex mark-up fee of 1.99% of the withdrawn amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).
Best values score
9
PROS
  • With this card, you can enjoy welcome benefits worth Rs. 5000.
  • You get 2 domestic lounge visits per quarter and 6 complimentary international lounge access in a year with the SBI Elite Credit Card.
CONS
  • This card offers a lower reward rate compared to other cards available.
9Expert Score

  • Gift Voucher worth Rs. 5,000 as a welcome benefit.
  • 2 RPs on every Rs. 100 spent with the card except on fuel spends.
  • 5X RPs on spends on dining, grocery purchases, and departmental stores.
  • Up to 50,000 Bonus Reward Points (equivalent to Rs 12,500) every year on achieving the stipulated spend milestone (details below).
  • Free movie tickets (max benefit capped at Rs. 6,000 in a year).
  • Complimentary Club Vistara Membership and  Trident Privilege Membership.
  • 2 free domestic lounge visits per quarter.
  • 6 complimentary international lounge visits in a year (max 2 visits per quarter).
  • Complimentary lost card liability cover worth Rs. 1 lakh applicable from 48 hours prior to 7 days after reporting the loss of card.
  • A lower forex mark-up fee of 1.99% of the withdrawn amount.
  • Exclusive concierge service for assistance regarding online doctor consultation, flower delivery and gift delivery.
  • Exclusive privileges from Visa/MasterCard/American Express (details below).
Best values score
9
PROS
  • With this card, you can enjoy welcome benefits worth Rs. 5000.
  • You get 2 domestic lounge visits per quarter and 6 complimentary international lounge access in a year with the SBI Elite Credit Card.
CONS
  • This card offers a lower reward rate compared to other cards available.

Specification: SBI ELITE Credit Card

Bank Name

SBI

Type of Credit Card

Joining Fees

Renewal fees

Best Suited for

Reward Type

Welcome Benifits

Movie & Dining Offers

Travel Offers

online shopping offers

Reward redemption

Reward Rate

Domestic Lounge Access

International lounge access

Insurance Benifits

Zero liability protection

Spend based waiver

Reward redemption charges

Foreign currency markup Charges

Interest Charges

Fuel Surcharges

Cash advance charges

Interest Free credit periods

Add on card fee

ELIGIBILITY CRITERIA

Late Payment Fee

Partner Discounts

Reward offer savings

USP of Card

BestValue Score

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