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premiumpointsSBI Card · Visa
SBI Card ELITE
Base 2 RP per ₹100 (~1.33% at 4 RP = ₹1). 5X on Dining, Groceries, Departmental stores. Lower forex markup (1.99%) is a notable perk. Rewards redeem via SBI catalog — no airline transfers.
what it costs
| joining fee | ₹4,999 |
|---|---|
| annual fee | ₹4,999 |
| how to dodge the fee | Annual fee waived on ₹10,00,000 spend in the preceding anniversary year |
| forex markup | 1.99% + GST |
how you earn
every ₹100 you swipe earns you points in SBI Reward Points.
| default | 1.33× / ₹100 |
|---|---|
| dining | 6.66× / ₹100 |
freebies
| welcome gift | ₹5,000 gift voucher from partners (Yatra / Bata / Pantaloons / Marks & Spencer / Aditya Birla) on joining fee payment |
|---|---|
| spend ₹3,00,000 | 10,000 Reward Points |
| spend ₹4,00,000 | 10,000 Reward Points (incremental) |
| spend ₹8,00,000 | 15,000 Reward Points (incremental) |
extras
| domestic lounges | 8/year (max 2/quarter) |
|---|---|
| international lounges | 6/year via Priority Pass |
| who can apply | Salaried or self-employed; minimum gross income ₹6L+ p.a. |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.