All cards / SBI Card
SBI Elite
A premium card with accelerated rewards on dining/groceries/departmental stores (capped 10,000 points/month) and solid lounge access for the fee, though its 5X earnings are points-based, not flat cashback.
Rates and fees last verified 19 July 2026.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Reward rates by category
- Dining2.5%
- Groceries2.5%
Eligibility
- Minimum credit score: 740
- Minimum monthly income: ₹60,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- 8 domestic + 6 international lounge visits/year
- ₹5,000 e-Gift voucher (partner brands) on joining fee payment
Pros
- + Accelerated dining/grocery rewards
- + Good lounge access for the fee
- + Movie ticket discounts
Cons
- − Steep joining fee upfront
- − Modest base reward rate outside bonus categories
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.