Nature's Basket SBI Card ELITE

The top-tier gourmet-grocery card for Nature's Basket's biggest spenders — strong 20X in-store rewards and generous quarterly lounge access, but a steep ₹4,999 fee waived only on ₹10L annual spend.

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

Premium

Benefits by category

🍽️ Dining & food delivery
2.5% reward rate
🛒 Groceries
5% reward rate
✈️ Travel
2 complimentary domestic + 2 complimentary international lounge visits per quarter, plus Priority Pass membership
⛽ Fuel
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
🌍 Forex / international spend
3.5% forex markup on international transactions

Eligibility

Minimum credit score: 750
Minimum monthly income: ₹50,000
Employment: salaried, self-employed
Age: 21–70

Benefits

Nature's Basket gift voucher worth ₹5,000 and complimentary access to the 'Connoisseur' loyalty programme
2 complimentary domestic + 2 complimentary international lounge visits per quarter, plus Priority Pass membership
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000

Pros

+ Strong 20X points at Nature's Basket
+ Generous domestic + international lounge access
+ Connoisseur loyalty programme access

Cons

− Very high ₹10L waiver threshold
− Only useful if you shop at Nature's Basket regularly
− High annual fee for a single-retailer card

Apply on SBI Card's site