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Nature's Basket SBI Card ELITE
Nature's Basket SBI Card ELITE is the top-tier gourmet-grocery card for Nature's Basket's biggest spenders, combining strong 20X in-store reward points with generous quarterly domestic and international lounge access via Priority Pass. The steep ₹4,999 fee is waived only on a demanding ₹10 lakh annual spend, so it's really built for cardholders whose grocery and dining spend at Nature's Basket is substantial and consistent.
Annual fee
₹4,999
Joining fee
₹4,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in groceries, dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 0.5% base rate
- Domestic lounge access: 2 complimentary domestic + 2 complimentary international lounge visits per quarter, plus a bundled Priority Pass membership for extended access
- International lounge access: 2 complimentary domestic + 2 complimentary international lounge visits per quarter, plus a bundled Priority Pass membership for extended access
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 a bundled Priority Pass membership for extended access
- ⛽ Fuel
1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- 🌍 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
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹10,00,000
- Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
- Foreign currency markup: 3.5%
- Interest rate: 42% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
- Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.
Benefits
- Nature's Basket gift voucher worth ₹5,000 plus complimentary access to the top-tier 'Connoisseur' loyalty programme
- 2 complimentary domestic + 2 complimentary international lounge visits per quarter, plus a bundled Priority Pass membership for extended access
- 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at the pump
Pros
- + Strong 20X points at Nature's Basket stores
- + Generous quarterly domestic + international lounge access
- + Connoisseur loyalty programme access with premium member pricing
- + ₹5,000 welcome voucher on activation
Cons
- − Very high ₹10 lakh annual spend needed to waive the fee
- − Only genuinely useful for regular Nature's Basket shoppers
- − High annual fee for what is effectively a single-retailer card
Best for
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