The SBI Card ELITE is a premium travel and lifestyle credit card ideal for frequent travelers and high spenders. It offers a wide range of benefits including complimentary access to domestic and international airport lounges, and discounts on flight and hotel bookings—both in India and abroad.
Beyond travel, the card also provides dining and entertainment perks, such as free movie tickets worth ₹6,000 annually, and reward points on everyday spending. With strong milestone benefits and a low foreign exchange markup fee, this all-rounder card adds great value for those who can make the most of its features. However, it comes with a relatively high annual fee of ₹4,999 + taxes, making it best suited for users who spend regularly across its reward categories.
Note: SBI Card ELITE is a top credit card that gives great benefits for travel, shopping, and movies. It includes free lounge visits, free movie tickets, extra rewards on spending, and low charges on international use—making it a good choice for people who spend a lot and travel often.
Everything you need to know about this credit card
The cash advance limit on the SBI Elite Credit Card is up to 80% of the total credit limit.
Yes, you can apply for multiple add-on cards for family members. Applications can be submitted online or at your nearest SBI branch.
Increasing the credit limit can positively impact your credit score. A high credit limit allows you more financial flexibility, especially during emergencies.
You can redeem reward Points online via the SBI Card website, at partner merchant stores, or you can also talk to the SBI Card helpline.
Yes, the card can be used at more than 24 million Visa outlets worldwide, including 3,25,000 locations in India.
The card replacement fee ranges from Rs. 100 to Rs. 250, based on the situation.
The SBI Card ELITE offers milestone rewards on annual spending, complimentary movie tickets worth ₹500 every month, and a fuel surcharge waiver of up to ₹250 per billing cycle.
The SBI Card ELITE comes with a one-time joining fee of ₹4,999 + taxes.
The annual/renewal fee is ₹4,999 + taxes, which is waived off if you spend ₹10 lakh or more in the previous year.
Yes. SBI Card ELITE offers:
6 complimentary international airport lounge visits per year (2 visits/quarter via Priority Pass).
8 complimentary domestic lounge visits per year (2 visits/quarter at major Indian airports).
Annual Fee: ELITE (₹4,999) is higher than PRIME (₹2,999).
Rewards: ELITE offers 2 Reward Points per ₹100 spent + milestone benefits; PRIME offers 2 Reward Points per ₹100 but with more milestone-based value-back.
Lounge Access: ELITE has both international + domestic lounge access, PRIME offers only domestic access.
Premium Perks: ELITE comes with Club Vistara & Trident membership, free movie tickets, and higher luxury benefits. PRIME is better for everyday users seeking moderate lifestyle perks.
No. The SBI Card ELITE is not lifetime free. However, the annual fee can be waived if your annual spends cross ₹10 lakh.
SBI AURUM is the most premium SBI credit card, above ELITE, with an annual fee of ₹9,999. It offers higher luxury privileges such as unlimited lounge access, luxury hotel benefits, airport concierge, and exclusive rewards.
SBI ELITE is slightly lower-tier but still premium, with strong lifestyle and travel benefits.
- Choose AURUM if you’re a high spender looking for luxury experiences, and ELITE if you want premium lifestyle perks at a lower fee.
For Premium Lifestyle: SBI ELITE or SBI AURUM.
For Online Shopping: SBI SimplyCLICK.
For Travel: SBI PRIME or SBI ELITE.
For Cashback: SBI Cashback Credit Card.
For Beginners: SBI SimplySAVE.
You can increase your limit by:
Maintaining good repayment history and low credit utilization.
Using the card actively for high-value purchases.
Responding to SBI’s pre-approved limit enhancement offers (SMS/email).
Requesting a limit increase through the SBI Card app/website or by contacting customer care. SBI may ask for income proof (latest salary slip/ITR).
How Can I Apply for a Credit Card Online?
✔Step 1: Enter your mobile number in the application form
✔Step 2: Provide your personal details
✔Step 3: Enter OTP to verify your mobile number
✔Step 4: Select the credit card
✔Step 5: Compare offers and apply for the best-suited credit card
State bank of india
Airport Lounge Access
Entertainment
Reward Points
