cards / credit / sbi card / sbi-miles-elite-credit-card
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§ BENEFITS
6 Travel Credits per ₹200 on Travel Spends
Earn 6 travel credits per ₹200 on travel bookings including flights, hotels, and holidays
6 TC per ₹200
2 Travel Credits per ₹200 on All Other Spends
Earn 2 travel credits per ₹200 on all other retail spends
2 TC per ₹200
Unlimited Domestic Lounge Access
Unlimited complimentary domestic airport lounge visits
Unlimited visits
International Lounge Access
6 complimentary international airport lounge visits per year via Priority Pass
6 visits/year
Dedicated Travel Concierge
24/7 dedicated travel concierge for bookings, reservations, and travel planning
24/7 concierge
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
1% waiver
§ ELIGIBILITY
- Employment
- Salaried / Self-Employed
- Min annual income
- ₹9,00,000
- Min monthly salary
- ₹75,000
- 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)
- 3.25% p.m.
- APR (annual)
- 39.00% 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
- 2.5%
- 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
- ₹75,000
- POS + e-com / day
- ₹7,50,000
- Contactless / txn
- ₹10,000
- Contactless / day
- ₹75,000
§ INSURANCE
- Accidental death cover
- ₹20,00,000
- Permanent disability
- ₹20,00,000
- Air accident
- ₹50,00,000
- Travel insurance
- ₹10,00,000
- Baggage
- ₹50,000
- Lost-card liability
- ₹10,00,000
- Purchase protection
- ₹1,00,000
† within 24 h of loss
† 90 days
§ REWARDS
- Programme
- SBI Travel Credits
- Earn rate
- 2 TC per ₹200 (6X on travel)
- Point value
- ₹1
- Effective cashback
- 1.00%
- Min redemption
- 500 pts
- Expiry
- 3 years from date of accrual
§ LOUNGE
- Domestic
- Unlimited
- International
- Via Priority Pass
- Domestic guests allowed?
- Yes
- 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 SBI Card and earns no commission on applications.