PSB SBI Card ELITE

Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries, travel. It's worth the annual fee mainly if your points value clears it.

• Movie & dining: Free movie tickets worth ₹6,000 every year via BookMyShow offers
• Rewards rate: 0.5% base rate
• Travel: Complimentary Club Vistara Silver Tier and Trident Privilege Red membership, per SBI Card ELITE's standard benefit
• Domestic lounge access: 8 complimentary domestic airport lounge visits per year (2 per quarter), per SBI Card ELITE's standard benefit
• International lounge access: Priority Pass membership (worth $99) with 6 complimentary international lounge visits per year
• Insurance benefits: Not disclosed for this co-branded variant

• 🍽️ 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

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

• Rewards redemption fee: ₹99 + GST redemption fee applies per SBI Card's standard reward-point redemption terms
• Foreign currency markup: 1.99%
• Interest rate: 42% p.a.
• Cash advance charges: 2.5% of the withdrawal amount, subject to a minimum of ₹500 per transaction

• 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