SBI Card ELITE
SBI Card
Last verified: 3 Sept 2026
Reward Program
| Category | Earn Rate | Monthly Cap |
|---|---|---|
Dining (MCC 5812 Eating Places and Restaurants, 5813 Drinking Places (Alcoholic Beverages) - Bars, Taverns, Nightclubs, Cocktail Lounges, and Discotheques, 5814 Fast Food Restaurants) | 2.5% | ₹2,500/monthly |
Departmental Stores (MCC 5311 Department Stores) | 2.5% | ₹2,500/monthly |
Grocery Stores & Supermarkets (MCC 5411 Grocery Stores and Supermarkets) | 2.5% | ₹2,500/monthly |
| All other spends | 0.5% | No cap |
Redemption fee: 99
Managed via SBI Card Shop & Smile Rewards Programme
Transfer partners
Instant Discounts
Flat Rs.500 off, or the cost of two tickets if lower, on www.bookmyshow.com only. Primary cards only. Select the SBI Card ELITE option under 'Avail Offers' at checkout. Convenience fee is payable by the cardholder.
Flat-rupee discount, not a percentage. Marketed as free movie tickets worth Rs.6,000 a year.
25% off the second night on a mandatory two-night stay, booked on www.itchotels.com or the ITC Hotels app. Club ITC enrolment is mandatory and free. Discount applies to the billed room amount excluding taxes; room reservations only, maximum 2 people per room. Not valid on EMI transactions and cannot be clubbed with other offers. Blackout dates apply per property.
Shared with SBI Card PRIME. Fulfilled by ITC Hotels; SBI Card is a facilitator only.
Flat 20% off food orders on a minimum order value of Rs.3,000 excluding taxes, on bookings made through the ITC Hotels app only, paid with SBI Card ELITE or SBI Card PRIME.
App-only; not available on the ITC Hotels website.
American Express network variant only. Promo code AMEXNETWORK. Saturdays only. Valid till 30 September 2026.
Amex network offer, not an SBI Card offer. Not available on the Visa, Mastercard or RuPay variants.
American Express network variant only. Promo code AMEXWEEKEND. Saturdays only. Not applicable on milk, tobacco, cigarettes and baby needs. Valid till 30 September 2026.
Amex network offer, not an SBI Card offer.
American Express network variant only. Promo code AMEX125. Saturdays only. Single restaurant or store bill only; taxes, packing and delivery charges excluded. Valid till 30 September 2026.
Amex network offer, not an SBI Card offer.
American Express network variant only. Saturdays only. Valid till 30 September 2026.
Amex network offer. The source T&C table gives the offer value and threshold but no promo code.
American Express network variant only. Promo code AMEXNET on the Yatra website or app. Saturdays only, till 30 September 2026. Partial payments not allowed; void on full or partial cancellation.
Amex network offer, not an SBI Card offer.
American Express network variant only. Promo code AMEXNET. Saturdays only, till 30 September 2026.
Amex network offer, not an SBI Card offer.
American Express network variant only. Promo code AMEXNET. Saturdays only, till 30 September 2026. Select domestic hotels where the code appears at checkout.
Amex network offer, not an SBI Card offer.
American Express network variant only. Up to 20% off at participating restaurants (individual outlets in the published list run 10%, 15% or 25%). Ask for the offer before the bill is generated. Maximum 8 covers. Not valid on happy hours, buffets, fixed menus or alcohol. No minimum spend and no maximum cap. End dates vary by outlet, running from March 2026 to December 2026.
Amex network offer. Outlet-level, so mapped to MCC 5812 rather than a merchant id; the participating list is a 500+ row PDF of individual restaurants, most of which are not in merchant_master.
Live Offers
63 activeBenefits
Lounge Access
2 domestic visits/quarter
2 international visits/quarter
Domestic: 2 complimentary visits per quarter. International: complimentary Priority Pass membership (worth US$99) with 6 complimentary visits per calendar year outside India, capped at 2 visits per quarter. Beyond the complimentary quota, and for any Priority Pass visit to a lounge inside India, a usage fee of up to US$27 plus taxes applies per visit.
Fuel Surcharge Waiver
1% fuel surcharge waiver (excluding GST) on transactions between Rs.500 and Rs.4,000 at all petrol pumps in India, capped at Rs.250 per statement cycle per card account.
Welcome Benefit
Welcome e-Gift Voucher worth Rs.5,000, redeemable against a choice of travel and lifestyle brands: Yatra, Hush Puppies / Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop. Payable only after the annual fee is realised by SBI Card.
Insurance Cover
Credit card fraud liability cover₹1,00,000
Milestone Benefits
Reward Calculator
Assumes the best-paying merchant everywhere, so read it as a ceiling rather than an average.
What this card is worth
Open a section and enter what you actually spend. Everything updates as you type.
Fees & Charges
| Joining Fee | ₹4,999/yr |
| Renewal Fee | ₹4,999/yr |
| Fee Waiver | Spend ₹10,00,000/year |
| Forex Markup | 1.99% |
| Interest Rate | 45% p.a. |
| Cash Advance Fee | 2.5% of the transaction amount, subject to a minimum of Rs.500, at both domestic and international ATMs. Finance charges of up to 3.75% per month apply from the withdrawal date with no interest-free period. |
| Reward Redemption Fee | 99 |
| Min Income Eligibility | Not published by SBI Card. Aggregators cite figures ranging from Rs.60,000 per month to Rs.6-7 lakh per annum for salaried applicants, with a CIBIL score of 750+ and age 21-70 commonly quoted. Treat as indicative only. |
