SBI ELITE Credit Card Review

There are so many SBI credit cards available in the market and the SBI ELITE card is one of the most top credit cards from SBI. It provides several benefits for its users. For example welcome gifts, complimentary movie tickets, milestone privileges, ELITE Rewards, international lounge program, domestic lounge program, club Vistara membership, trident privilege membership, lowest forex mark-up, exclusive concierge service, and so on. So let’s discuss the card in detail. 

Eligibility Criteria:

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 yrs. 
    • Income: ₹60,000 monthly. 
  • For self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: ₹60,000 monthly.
  • Good CIBIL Score (750 or more).
  • Good relation with the bank. 

Required Documents:

  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Photocopy of Address proof (any 1) 
    • Last 6 months bank account Statement
    • Aadhar Card 
    • Driving License 
    • Passport
    • Utility bill
  • One recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Latest salary slip. (3 months)
      • ITR
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 


  • Joining Fee: ₹4,999 + GST
  • Annual Fee: ₹4,999 + GST


  • Welcome benefit: 

After paying the joining fee the cardholder will receive a welcome e -gift voucher worth ₹5000. You can choose any one brand from the list such a Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla fashion, Shoppers stop,  Louis Philippe, Van Heusen, Allen Solly, Peter England, Planet fashion, Simon Carter, etc.

  • Reward benefit:

You will get 5X reward points on your spending on dining, departmental stores, and grocery. 

You will get 2 reward point for spending every ₹100 transactions. 4 rewards point= ₹1

  • Lounge access:

You will get 2 complimentary domestic airport lounges visits every quarter with this card. 

You will also get 6 complimentary international airport lounges visits in a year, at over 1000 airport lounges throughout the globe. 

  • Hotel benefit:

You can enjoy 9 points of Vistara Club on every ₹100 spending. 

This card offers 1 complimentary upgrade voucher and a complimentary trident privilege membership (red tier).

You will get 1000 welcome bonus points on registration on trident membership, and up to 1500 bonus points on your first stay in the hotel, and 1000 point on an extended night stay. 

You can earn 10 points on every ₹100 spends during your stay. You can also earn 10% instant savings on booking via the hotel’s website. 

  • Dining benefit:

You can get 5X reward points for each ₹100 to spend on dining. 

  • Fuel Surcharge waiver:

You can enjoy Enjoy 1% off on fuel surcharges, applicable on every transaction between ₹500 to ₹4000 at any petrol feel station in India. 

  • Add on card:

You can add any 2 of your family members like parents, spouse, and siblings with the SBI ELITE card as an add-on member. The member’s age should be minimum of 18 years.

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. 

  • Balance transfer:

You can Transfer your other bank credit card’s outstanding to your SBI card ELITE and pay back it in EMIs with a lower interest rate.

  • Global acceptance:

SBI card ELITE is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments. 


  • Cash Withdrawal Charge: 2.5% against the withdrawn amount, minimum ₹500. 
  • Finance Charge: 3.5% monthly. 
  • Foreign currency transaction: 1.99% against the transacted amount. 

Contact Details:

Call: 1800 180 1290 (toll free) 

         3902-0202 (add the STD code of your locality)

Mail: [email protected]

100XGain Ratings:


Final Opinion:

SBI Card ELITE is one of the premium credit cards offered by SBI, you will get big reward points on your daily spends, free lounge access, exclusive benefits on hotel booking, benefits on dining, fuel surcharge waiver, etc. so if you want a premium quality credit card, then this card is a good option for you. Although, there are no golf benefits with this card, so if you are a golf lover, then you can select SBI Card Prime

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