SBI ELITE Credit Card Review

There are so many SBI credit cards available in the market and the sbi elite credit card is one of the premium sbi credit card. 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. 

Who can get sbi credit card ?

  • Resident Type: Indian. 
  • For salaried person:
    • Age: 18 to 70 yrs. 
    • Income: Rs. 60,000 monthly. 
  • For self-employed person:
    • Age: 18 to 70 yrs. 
    • Income: Rs. 60,000 monthly.
    • CIBIL Score: In sbi credit card eligibility cibil score plays a very important role, for this card you have to have a minimum 780 CIBIL score.  
  • Good relation with the bank. 

If you want to track your credit card online application, then click here to go to the sbi track credit card page. You can call customer service to check the sbi credit card status of delivery

Required documents for sbi elite credit card application:

  • 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 (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year 
      • Proof of business
      • Recent audited financial report. 

Visit our FAQ page to know how to activate sbi credit card through sms

Sbi elite card fees:

  • Joining Fee: Rs. 4,999 + GST
  • sbi elite card annual fee : Rs. 4,999 + GST

You can pay your sbi elite credit card annual fee from your net banking account. 

Sbi elite credit card benefits:

  • Welcome benefit: 

After paying the joining fee the cardholder will receive a sbi credit card welcome gift voucher worth Rs. 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 sbi credit card elite points on your spending on dining, departmental stores, and groceries. 

You will get 2 reward points for spending every Rs. 100 transactions 4 sbi credit card reward points value in rupees is equal to Rs.1.

  • Lounge access:

You will get 2 complimentary domestic airport lounges visits every quarter with this sbi elite credit card

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

For any sbi credit card query , you can contact the sbi credit card customercare number given below. 

  • Hotel benefit:

On this elite card sbi offers 9 Vistara Club points on every Rs. 100 spendings. 

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

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

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

  • Dining benefit:

This sbi elite card offers 5X reward points for each Rs. 100 to spend on dining. If you have not completed your credit card KYC, then click here to download the sbi credit card kyc form

  • Fuel surcharge waiver:

You can enjoy Enjoy 1% off on fuel surcharges, applicable on every credit card transaction between Rs. 500 to Rs. 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 elite sbi card as an add-on member. The member’s age should be minimum of 18 years. Click here to know how to get sbi credit card statement? 

  • Flexipay:

By using flexipay you can convert your transaction into easy monthly installment. You should check your sbi elite credit card limit before applying for an EMI. Visit our FAQ page to know how to convert sbi credit card payment into emi from an online banking account?

  • 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. You can pay sbi credit card bill online from your online banking account. Visit our FAQ page to know how to check sbi credit card status online?

  • Global acceptance:

The sbi elite credit card is accepted throughout the world. You can use it at almost any outlet or e-commerce site to make payments. 

Sbi elite credit card charges:

The sbi credit card monthly charges are discussed in the table. 

Particulars 

Payable sbi credit card maintenance charges

Cash Withdrawal Charge

2.5% against the withdrawn amount, minimum Rs. 500

Finance Charge

3.5% monthly.

Foreign currency transaction

1.99% against the transacted amount. 

Add on card fee

None, free for a lifetime

How can i contact sbi credit card customer care?

You can call the credit card sbi toll free number : 1860-180-1290 / 022-3902-0202 or 1860-180-7777

You can mail at sbi credit card customer email id [email protected]

You can deactivate sbi credit card just by calling the customer care number. 

100XGain Ratings:

8/10

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 sbi elite credit card is a good option for you.

But if you want more premium benefits then feel free to take a look at the alternative card options given below. 

Alternative cards: 

  1. HDFC Bank Dinners Club Privilege Credit Card. (Best for reward point, lounge access, and golf benefits) 
  2. Indusind Bank Platinum Aura Credit Card. (Best for reward point and lounge access) 
  3. RBL Platinum Edge SuperCard. (Best for reward point and lounge access) 
  4. IRCTC SBI Platinum Card. (Best for travel and reward point) 

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