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SBI Card ELITE Advantage
Visa
SBI Card ELITE Advantage
A premium lifestyle SBI Card offering accelerated rewards on dining and groceries, solid lounge access, and movie voucher benefits, with the annual fee waivable on high annual spend.
Rates and fees last verified 14 September 2026.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Reward rates by category
- Dining10%
- Groceries10%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–65
Benefits
- E-gift vouchers worth Rs 5,000 from partner brands (Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop, Marks & Spencer) on payment of joining fee
- 8 complimentary domestic + international airport lounge visits per calendar year
- Complimentary movie tickets worth up to Rs 6,000 per year
- 1% fuel surcharge waiver, capped at Rs 250 per billing cycle
Pros
- + 8 lounge visits a year
- + 10X reward points on dining and groceries
- + Rs 6,000 worth of free movie tickets annually
Cons
- − High joining/annual fee
- − Fee waiver requires Rs 10 lakh annual spend
- − Standard 3.5% forex markup
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