PSB SBI Card ELITE

PSB's top-tier SBI co-brand rounds out its ELITE/PRIME/SimplySAVE lineup with strong lounge access, a Club Vistara Silver membership and a low 1.99% forex markup — but a steep ₹4,999 fee with no disclosed spend-based waiver.

Rates and fees last verified 15 July 2026.

Annual fee

₹4,999

Joining fee

₹4,999

Reward type

points

Base reward rate

0.5%

Card network

Visa

Card tier

Super-premium

Benefits by category

🍽️ Dining & food delivery
2.5% reward rate
🛒 Groceries
2.5% reward rate
✈️ Travel
Complimentary domestic and international airport lounge access via Priority Pass
⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
🌍 Forex / international spend
1.99% forex markup on international transactions

Eligibility

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

Benefits

Free movie tickets worth ₹6,000 every year, plus complimentary Club Vistara Silver Tier membership
Up to ₹12,500 in milestone bonuses across annual spend tiers
Complimentary domestic and international airport lounge access via Priority Pass
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000

Pros

+ Low 1.99% forex markup at the top tier
+ Club Vistara Silver Tier membership included
+ ₹6,000/year in free movie tickets

Cons

− No published spend-based fee waiver
− High 42% p.a. cash advance/revolving APR
− High ₹7.5L+ income requirement

Apply on Punjab & Sind Bank's site