What is the annual fee for the SBI Elite?

The annual fee for the SBI Elite is ₹4,999. It can be waived on annual spends of ₹10,00,000.

Does the SBI Elite offer airport lounge access?

Yes — the SBI Elite offers 8 domestic per year lounge visits, 6 international per year lounge visits.

What rewards does the SBI Elite earn?

It earns 2 Reward Points per ₹150 on eligible spends.

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Elite — SBI Credit Card | Card Manager

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SBI

Premium

•••• •••• •••• 0000

Elite

VISA

Elite

SBI • Visa• Premium

Available onMasterCardVisaRuPayUPIAmerican Express

premiumloungemovie

Annual Fee

₹4,999

Base Reward Rate

0.50%

Foreign Tx Fee

1.99%

Tier

Premium

Joining Fee

Free

Verified

2026-05-28

Airport Lounge Access

Domestic & international access details and eligibility criteria

domesticDreamFolks

8 per yearhigh

✓ No activation spend required — access is unconditional.

8 complimentary domestic lounge visits per calendar year.

international

Earnings Projection

Estimate annual rewards based on your typical monthly spend

Other / General₹20,000/mo

+₹100

Dining₹5,000/mo

+₹125

Grocery₹8,000/mo

+₹200

Fuel₹3,000/mo

—

Travel₹5,000/mo

+₹25

Online Shopping₹8,000/mo

+₹40

Utilities₹3,000/mo

+₹15

Annual earnings

₹6,060

Blended 0.97% effective return

Monthly spend₹52,000

Monthly earnings+₹505

Estimates use this card's best matching rule per category. Caps applied where known. Milestones not included.

Notes

SBI Card ELITE. ₹0 joining, ₹4,999 annual. Waiver ₹10L/yr. 2 RP/₹100 base, 10 RP/₹100 on dining/grocery/dept stores. 1 RP = ₹0.25. Milestones: 10K RP at ₹3L+₹4L; 15K RP at ₹5L+₹8L (₹12,500 total). 2 dom lounges/qtr + 6 intl/yr via Priority Pass (2-yr validity). Movie tickets ₹6,000/yr (BMS). Forex 1.99%.

Benefits & Perks

Rewards

1 Reward Points ≈ ₹0.25 depending on redemption (cashback → flights/transfer).
2 pts per ₹150 base (1 pt = ₹0.25). 2 RP/₹100 base. 1 RP = ₹0.25.
0.50%high
Dining: 10 pts/₹150 — 10 RP/₹100 on dining (5× base).
2.5%high

dining

Priority Pass

Membership incl.

6 per yearhigh

✓ No activation spend required — access is unconditional.

6 international Priority Pass visits per year (complimentary PP membership).

Grocery: 10 pts/₹150 — 10 RP/₹100 on grocery.

2.5%high

Retail Shopping: 10 pts/₹150 — 10 RP/₹100 on department stores.

2.5%high

Forex

1.99% forex markup on international card transactions
1.99%

Travel

domestic via DreamFolks: 8 per year — no spend needed
8/yearhigh
international via Priority Pass: 6 per year — no spend needed
6/yearhigh

Payments

Joining fee: Free. Annual: ₹4,999.
₹4,999
Annual fee waived on spending ₹10,00,000 per year.
Spend ₹10,00,000
Welcome: ₹5,000 e-gift voucher (offsets first-year fee).
+₹5,000 valuehigh
Milestone: spend ₹8,00,000/year → 15,000 bonus Reward Points on ₹8 lakh annual spend (₹3,750 value); cumulative up to 50,000 RP / ₹12,500 across the four tiers.
+₹3,750 valuehigh
BookMyShow benefit up to ₹500/month (₹6,000/yr value).
+₹500 valuehigh
Milestone: spend ₹3,00,000/year → 10,000 bonus Reward Points on ₹3 lakh annual spend (₹2,500 value).
+₹2,500 valuehigh
Milestone: spend ₹4,00,000/year → 10,000 bonus Reward Points on ₹4 lakh annual spend (₹2,500 value).
+₹2,500 valuehigh
Milestone: spend ₹5,00,000/year → 15,000 bonus Reward Points on ₹5 lakh annual spend (₹3,750 value).
+₹3,750 valuehigh