Bank of Maharashtra SBI Card ELITE

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries, travel. Its annual fee waives if you can comfortably clear the spend threshold.

• Movie & dining: Free movie tickets worth ₹6,000 every year; 5X (2.5%) reward rate on dining, departmental stores and grocery
• Rewards rate: 0.5% base rate
• Domestic lounge access: 2 complimentary domestic lounge visits per quarter in India
• International lounge access: Priority Pass membership with 6 complimentary international lounge visits per year

• 🍽️ Dining & food delivery

  2.5% reward rate

• 🛒 Groceries

  2.5% reward rate

• ✈️ Travel

  2 complimentary domestic lounge visits per quarter in India; Priority Pass membership (worth $99) with 6 complimentary international lounge visits per year

• ⛽ Fuel

  1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/month

• 🌍 Forex / international spend

  1.99% forex markup on international transactions

• Minimum credit score: 750
• Minimum monthly income: ₹75,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹10,00,000
• Foreign currency markup: 1.99%
• Fuel surcharge waiver: 1% waiver on fuel transactions between ₹500–₹4,000, capped at ₹250/month

• E-Gift Voucher worth ₹5,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop
• Free movie tickets worth ₹6,000 every year
• Up to 50,000 bonus points (≈₹12,500) at spend milestones of ₹3L, ₹4L, ₹5L, and ₹8L
• 2 complimentary domestic lounge visits per quarter in India; Priority Pass membership (worth $99) with 6 complimentary international lounge visits per year
• 1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/month