• Joining Fee
    ₹ 4,999
  • Category
  • Min. Income
    ₹ 6,00,000
SBI Card ELITE  Card
  • Welcome e-Gift Voucher worth Rs. 5,000 on joining
  • Get free movie tickets worth Rs. 6,000 every year
  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/year
  • Complimentary membership to Club Vistara and Trident Privilege program

Card Details

Complimentary Movie Tickets

  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable

Milestone Privileges

  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs
  • Earn 15,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
  • Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs

ELITE Rewards

  • Get 5X Reward Points on Dining, Departmental stores and Grocery Spends
  • Earn 2 Reward Points per Rs. 100 on all other spends
  • Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
  • 1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable). Maximum Surcharge Waiver of Rs. 250 per month per credit account

International Lounge Program

  • Complimentary membership to the Priority Pass Program worth $99
  • 6 complimentary Airport Lounge visits per year, outside India ( max. 2 visits per quarter)W.e.f. 1st July 2017
  • Access over 1000 Airport Lounges worldwide

Domestic Lounge Program

  • Enjoy 2 complimentary Domestic Airport Lounge visits every quarter in India
  • To avail the offer, please use your SBI Card ELITE at the respective lounges

Club Vistara Membership

  • Enjoy complimentary Club Vistara Silver membership
  • Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every ₹ 100 spent on Vistara flights

Click here to apply for your exclusive Club Vistara Silver membership

Trident Privilege Membership

  • Enjoy complimentary Trident Privilege Red Tier membership   
  • Get exclusive 1,000 Welcome Points on registration
  • Enjoy 1500 Bonus Points on your first stay & additional ₹ 1000 hotel credit on extended night stay

Click here to apply for your Trident Privilege Red Tier membership

  • Enjoy 10% instant savings on bookings through hotel website
  • Enjoy 10 points for every Rs.100 spent (excluding taxes) during your stay at participating hotels

Lowest Forex Markup

  • Your SBI Card ELITE offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage.
  • You are also entitled to 2 Reward Points on every Rs.100 spent on International transactions

Exclusive Concierge Service

  • Exclusive assistance with gift delivery, customized holiday packages, travel, movie & hotel reservations
  • Exclusive discounts at leading Spa’s and Lifestyle Stores


To get this credit card, you must be:

  • Above 21 years of age
  • Salaried or Businessman
  • Permanent Resident of India
  • Having Good Credit Score. Not sure of your credit score? Click here to check for FREE
  • Minimum Gross Annual Income of Rs.9Lac

Additional criteria for approval from the lender may apply

Documentation Required

Applicant needs to furnish self-attested supporting documents :

Identity Proof(any one) such as
  • Aadhaar Card
  • PAN Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
Address Proof(any one) such as
  • Aadhaar Card
  • Valid Driving License
  • Valid Passport
  • Voter ID
  • Utility bill not more than 2 months old of any service provider (electricity, telephone, post-paid mobile phone, piped gas, water bill) 
Income Proof(whichever applicable)
  • Latest Payslip/Form-16(For Salaried)
  • Latest ITR(For self-employed)

and a passport-size photograph.

Think About

MasterCard/Visa Privileges

  • Enjoy 4 rounds of complementary green fees access and up to 50% off on golf games along with 1 complementary lesson per month at selected golf courses across India. For golf bookings or queries, please call MasterCard toll free helpline no. 1800-102-6263. Click here to know more
  • Special discounts on dining at select restaurants and cafes
  • Discounts on select apparel brands
  • For more details about MasterCard privileges, click here and for Visa Signature privileges, click here
  • These offers are brought to you by MasterCard/ Visa and valid until 31st December 2017

Contactless Advantage

  • Daily purchases now made easy with SBI Card ELITE. Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
  • Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
  • Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
  • Please Click here to download the FAQ’s.
  • Please Click here to download the list of Merchants enabled for transactions.

Global Acceptance

  • SBI Card ELITE is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India

Fuel Surcharge Waiver

  • Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 4,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 4,000, to avail this benefit
  • Get a maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account

Fraud Liability Cover

  • Get complimentary credit card fraud liability cover of Rs. 1 lakh
  • This cover is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss. Please call SBI Card helpline to report card loss:
  • Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

Emergency Card Replacement

  • Get your SBI Card ELITE replaced anywhere in the world
  • 24x7 helpline for emergency card replacement even while travelling abroad. Click here for Visa helpline numbers
  • In case your card is lost in India, please call
  • Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

Add-on Cards

  • With SBI Card ELITE, you can empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18

Cash Access Across the World

  • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe

Safe and Secure

  • Get enhanced security against counterfeiting and skimming with the chip and pin enabled SBI Card ELITE

Easy Bill Pay Facility

  • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SBI Card Elite 
Click here to know more


  • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Card ELITE, and log in with your username and password to within 30 days of purchase to convert it into Flexipay

Click here to learn how to apply for Flexipay

Balance Transfer on EMI

  • Save money while paying your credit card dues
  • Transfer the outstanding balance of other banks’ credit cards to your SBI Card ELITE, to avail a lower rate of interest and pay back in EMIs
Click here to know more about Balance Transfer on EMI

Easy Money

  • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
  • Log in with your username and password to to book Easy Money

Fee Details


  • Annual Fee (one-time) :Rs. 4,999
  • Renewal Fee (per annum): Rs. 4,999 from second year onwards
  • Add-on Fee (per annum): Nil

Extended Credit

  • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
  • Finance charges: Up to 3.35% per month, (40.2% per annum), from the date of transaction
  • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)

Cash Advance

  • Cash advance limit: Up to 80% of the credit limit, with a maximum of Rs. 15,000 per day
  • Free credit period: Nil
  • Finance charges: Upto 3.35% per month (40.2% per annum), from the date of withdrawal

Cash Advance Fee

  • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
  • International ATMs: 3% of transaction amount, subject to a minimum of Rs. 300

Other Charges

  • Statement retrieval: Rs. 100 per statement that is more than 2 months old
  • Payment Dishonor fee: 2% of the payment amount, subject to a minimum of Rs. 450
  • Charge slip retrieval: Rs. 225 per charge slip
  • Late payment:
      1. Nil for total amount due from Rs. 0 to Rs. 200
      2. Rs. 100 for total amount due greater than Rs. 200 and up to Rs. 500
      3. Rs. 400 for total amount due greater than Rs. 500 and up to Rs. 1,000
      4. Rs. 500 for total amount due greater than Rs. 1,000 and up to Rs. 10,000
      5. Rs. 750 for total amount due greater than Rs. 10,000
  • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
  • Card replacement: Rs. 100
  • Emergency card replacement, when abroad: Nil
  • Foreign currency transaction: Conversion mark up: 1.99%
  • Rewards redemption fee: Rs. 99
  • Cash Payment Fee: Rs. 100


  • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
  • Railway tickets through 1.8% of transaction amount + service charge, as applicable
  • Petrol and other products or services sold at petrol pumps:    1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts. 1% of transaction amount (Min. 10) for transaction Amount Betweeen Rs. 500 to Rs. 4,000

Customer Care Details

Contact SBI cards Customer Care

Phone: Dial 39 02 02 02 (prefix local STD code), 1860 180 1290or 1800 180 1290 (toll free). Available 8 AM - 8 PM from Monday to Saturday

Fax: Fax your documents and SBI Card application at 0124-2567131

Central office: SBI Cards, Customer Service Department, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Infinity Towers, DLF Cyber City, Gurgaon – 122002, Haryana, India

E-mail: You can email your query, concern or feedback

Twitter: Connect on Twitter @SBICard_Connect

SMS: SMS HELP to 5676791 from your registered mobile to get your account information using Simply SMS services.SMS PROBLEM to 9212500888 and get a call back from SBI within 24 hours.

IRCTC SBI Credit Card Helpline: Dial 39 02 12 12 (prefix local STD code)from all phone numbers 1800 180 1295 (from BSNL/MTNL lines)

If you are not satisfied with the resolution, escalate a previous query.