cards / credit / state bank of india / sbi-elite-credit-card
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§ BENEFITS
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
8 visits/year
International Lounge Access
2 complimentary international airport lounge visits per year via Priority Pass
2 visits/year
5X Reward Points on Dining, Groceries & Departmental Stores
Earn 10 reward points per ₹100 on dining, groceries, and departmental store spends
10 RP per ₹100
Reward Points on All Other Spends
2 reward points per ₹100 on all other retail spends
2 RP per ₹100
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
1% waiver
Dining Privileges
Exclusive dining offers and discounts at premium restaurants across India
Up to 20% off
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹7,20,000
- Min monthly salary
- ₹60,000
- Age
- 21 – 65
- Min credit score
- 750
- Existing account?
- Not required
- Invitation only?
- No
§ FEES
- Joining fee
- ₹4,999
- Annual fee
- ₹4,999
- APR (monthly)
- 3.50% p.m.
- APR (annual)
- 42.00% p.a.
- Late payment fee
- ₹1,300
- Over-limit fee
- ₹600
- Cheque bounce
- ₹500
- Grace period
- 50 days
- Min due
- 5%
† Excluding 18% GST
† Excluding 18% GST
† per cycle, charged to statement
† or ₹200, whichever higher
§ ATM & CASH
- Own bank free / month
- 0
- Own bank charge
- ₹250
- Other bank free / month
- 0
- Other bank charge
- ₹250
- International withdrawal
- ₹250
- Cash advance fee
- 2.5%
† + 2.5% of txn
† min ₹500
§ TRANSACTIONS
- Currency markup
- 3.5%
- DCC fee
- 1%
- Cross-border fee
- —
- SMS alert / month
- —
- PIN regen
- ₹100
- Physical statement
- ₹100
§ FUEL
- Surcharge waiver
- 1%
- Min txn
- ₹500
- Max txn
- ₹4,000
- Max waiver / cycle
- ₹250
- Networks
- All
§ LIMITS
- ATM / day
- ₹50,000
- POS + e-com / day
- ₹5,00,000
- Contactless / txn
- ₹5,000
- Contactless / day
- ₹50,000
§ INSURANCE
- Accidental death cover
- ₹10,00,000
- Permanent disability
- ₹10,00,000
- Air accident
- —
- Travel insurance
- —
- Baggage
- —
- Lost-card liability
- ₹5,00,000
- Purchase protection
- —
† within 24 h of loss
§ REWARDS
- Programme
- SBI Reward Points
- Earn rate
- 2 RP per ₹100 (5X on select categories)
- Point value
- ₹0.25
- Effective cashback
- 0.50%
- Min redemption
- 1,000 pts
- Expiry
- 2 years from date of accrual
§ LOUNGE
- Domestic
- 2 per quarter
- International
- Via Priority Pass
- Domestic guests allowed?
- No
- International guests allowed?
- No
† value ₹2,500 per visit
† value ₹3,500 per visit
§ SIMILAR CARDS
Information here is for reference. Always verify on the issuing bank's site before applying. oriz · cards is not affiliated with State Bank of India and earns no commission on applications.