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SBI ELITE Credit Card
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SBI ELITE Credit Card

★ 4.3 / 5 ⓘ How we rate

14 lounge visits, free movie tickets and 50,000 bonus points a year

✅ Verified Oct 2026 from SBI Card's official page →

Joining: ₹4,999Annual: ₹4,999🎁 0.5% – 2.5% value back
Apply Now — it's free → 🔒 You'll apply on SBI Card's secure page · takes ~5 minutes

✍️ Checked by Deepak Kumar, CardSwipe · updated Oct 2026

Why people love it

✈️
8 + 6 loungesdomestic + international
🎬
2 free tickets/monthon BookMyShow
🏆
50,000 pointsin yearly milestones
👤
Perfect for

High spenders who want lounges, movies and milestone rewards

Key benefits

  • ₹5,000 welcome e-gift voucher
  • 5X reward points (10 per ₹100) on dining, groceries and department stores
  • 2 reward points per ₹100 on other spends
  • 8 domestic + 6 international lounge visits a year (Priority Pass)
  • 2 free BookMyShow movie tickets every month (up to ₹6,000/year)
  • Up to 50,000 bonus points on yearly milestones (₹3, 4, 5 & 8 lakh)
  • Low 1.99% forex markup
Like these benefits?Apply online in about 5 minutes.
Apply Now →

What's great

  • Welcome voucher matches the fee
  • International lounges included
  • Big milestone bonuses

Good to know

  • High fee waiver (₹10 lakh)
  • 5X capped at 10,000 points/month
  • No points on fuel

Quick facts

Fee waiverAnnual fee reversed on ₹10 lakh yearly spend
Lounge access8 domestic + 6 international/year
Min. incomeNot published (bank decides)
Age21 – 70 years
Credit score750+
NetworkVisa / Mastercard / RuPay
Forex markup1.99%
Joining fee₹4,999 + GST

How to apply

1Pick a cardCompare benefits & fees in simple words
2Apply onlineOn the bank's secure page — about 5 minutes
3Get your cardInstant digital card on many, plastic by post

Keep these ready

  • 🪪 PAN card
  • 🆔 Aadhaar (for e-KYC / video KYC)
  • 📄 Income proof — salary slip or ITR (not needed for FD-backed cards)
Fees & charges (fine print)
Interest on unpaid bill3.75%/month (45% p.a.)
Foreign currency markup1.99%
Cash withdrawal fee2.5% (min ₹500)
Late payment fee₹0 – ₹1,300 by bill amount
  • 1% fee on rent payments
  • 18% GST applies on all fees

💡 Pay your full bill before the due date and you pay zero interest.

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❓ SBI ELITE — common questions

Is the SBI ELITE Credit Card lifetime free?

No. It has a joining fee of ₹4,999 and an annual fee of ₹4,999 (plus 18% GST). Annual fee reversed on ₹10 lakh yearly spend.

What rewards does the SBI ELITE Credit Card give?

0.5% – 2.5% value back. ₹5,000 welcome e-gift voucher.

Who is eligible for the SBI ELITE Credit Card?

Minimum income: Not published (bank decides). Age: 21 – 70 years. Credit score: 750+. Final approval is decided by the bank.

Does the SBI ELITE Credit Card give airport lounge access?

Yes — 8 domestic + 6 international/year.

What is the forex markup on the SBI ELITE Credit Card?

1.99% on foreign currency spends (plus GST).

Who should get the SBI ELITE Credit Card?

High spenders who want lounges, movies and milestone rewards.

Explore✈️ Travel Cards💎 Premium Cards🔵 SBI Cards

Approval is at the bank's discretion. Check final terms on the bank's page before applying.

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