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SBI Card · Visa / Mastercard / Amex / RuPay · हिन्दी

SBI Card ELITE: full review

The SBI Elite is SBI's accessible premium card. The movie benefit saves frequent moviegoers ₹6,000/year and the 1.99% forex is strong. But at ₹4,999 the reward rate is unimpressive compared to peers. It's a lifestyle card, not a rewards card. Best for moviegoers and occasional international travellers.

Apply now ↗Annual fee: ₹4,999 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
ELITE
ASHOK KUMAR
12/28
₹4,999 + taxes (waived on ₹10,00,000/year spend)Annual fee
10 reward points per ₹100 on dining, grocery and departmental stores (2.5%); 2 RP on others (0.5%)Reward structure
2 domestic visits/quarter + 6 international visits/year via Priority PassLounge access

Key benefits of the SBI Card ELITE

10 reward points per ₹100 on dining, grocery and departmental stores (1 RP = ₹0.25; 2.5% effective)2 reward points per ₹100 on all other eligible spends (0.5%)2 complimentary movie tickets per month via BookMyShow (up to ₹6,000/year, max ₹500/ticket)2 domestic lounge visits/quarter + 6 international Priority Pass visits/year₹5,000 welcome e-gift voucher (Shoppers Stop, Pantaloons, Hush Puppies/Bata, Aditya Birla Fashion)15,000 bonus RP on ₹5L spend + 15,000 RP on ₹8L spend (worth ₹7,500)1.99% low forex markupAvailable in Visa, Mastercard, Amex and RuPay variants
Apply now ↗ Min. income: ₹40,000/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Movie BOGO is consistent, up to ₹6,000/year savings
✓ 1.99% forex competitive among ₹5,000 fee cards
✓ 6 international lounge visits via Priority Pass
✓ Welcome vouchers nearly offset first-year joining fee
Cons
✗ Low 2.5% on dining/grocery vs SBI Cashback 5% at ₹999
✗ Base 0.5% weak for a ₹5,000 fee card
✗ ₹10L annual spend needed for fee waiver
✗ No airline or hotel transfer partners
Quick facts
Issuer SBI Card
Network Visa / Mastercard / Amex / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹4,999 + taxes (waived on ₹10,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹4,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter + 6 international visits/year via Priority Pass
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹40,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI Card ELITE is ₹4,999 + taxes (waived on ₹10,00,000/year spend). The joining fee is ₹4,999.
The main benefits of the SBI Card ELITE are: 10 reward points per ₹100 on dining, grocery and departmental stores (1 RP = ₹0.25; 2.5% effective); 2 reward points per ₹100 on all other eligible spends (0.5%); 2 complimentary movie tickets per month via BookMyShow (up to ₹6,000/year, max ₹500/ticket); 2 domestic lounge visits/quarter + 6 international Priority Pass visits/year; ₹5,000 welcome e-gift voucher (Shoppers Stop, Pantaloons, Hush Puppies/Bata, Aditya Birla Fashion); 15,000 bonus RP on ₹5L spend + 15,000 RP on ₹8L spend (worth ₹7,500); 1.99% low forex markup; Available in Visa, Mastercard, Amex and RuPay variants.
10 reward points per ₹100 on dining, grocery and departmental stores (2.5%); 2 RP on others (0.5%)
SBI Card ELITE is best for Premium lifestyle card with movie benefits, lounge access and dining/grocery rewards. The SBI Elite is SBI's accessible premium card. The movie benefit saves frequent moviegoers ₹6,000/year and the 1.99% forex is strong. But at ₹4,999 the reward rate is unimpressive compared to peers. It's a lifestyle card, not a rewards card. Best for moviegoers and occasional international travellers.
The minimum income requirement for SBI Card ELITE is ₹40,000/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, SBI Card ELITE offers 2 domestic visits/quarter + 6 international visits/year via Priority Pass.
SBI Card ELITE charges a 1.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →Best Premium Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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SBI Card ELITE₹4,999 + taxes
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