SBI ELITE Credit Card Review

The sbi elite credit card is one of the most premium credit cards among the Indians looking for a premium quality credit card at an affordable rate. Targeting the notch section of Indian credit card users, this premium sbi credit card lets you enjoy free access to domestic and international lounges, powerful rewards on every transaction, exclusive deals on hotel and dining, and lots more. More about the sbi elite credit card benefits are discussed below.

Who can get sbi credit card?

  • Resident Type: Indian. 
  • SBI elite credit card eligibility criteria for salaried person:
    • Age: 18 to 70 yrs. 
    • Income: Rs. 60,000 monthly. 
  • SBI elite credit card eligibility criteria 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 sbi elite credit card you have to have a minimum 780 CIBIL score.  

As you submit your credit card online application, you will get a unique application id. You can use that to track the status of your sbi credit card application. You can also check the sbi credit card status of the delivery by calling the sbi elite credit card customer care or through the link provided by SBI.

What documents are required to apply for the sbi elite credit card?

  • 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. 

As per the new rules, all new elite credit cards are delivered in an inactive state, and to start using them the user needs to generate a PIN manually. So if you are curious about how to activate sbi elite credit card for the first time? then feel free to take a look at our faq page.

What are the sbi elite credit card fees?

  • SBI elite credit card joining fee: Rs. 4,999 + GST
  • SBI elite card annual fee: Rs. 4,999 + GST

What are the benefits of sbi elite credit card?

  • Get started with a huge joining bonus:

As you activate your elite card and pay your joining fee you will get a gift voucher of Rs. 5,000 as a welcome gift. You will also get a chance to choose your favorite brand.

  • Make every transaction rewarding:

The sbi elite credit card features a powerful reward program that can add more value to your transactions. The details are given below.

Category transaction

Rate of earning sbi elite credit card reward points

Dining, departmental stores, and grocery expenses.

5X sbi credit card elite points for every Rs.100 transaction. 

All other categories. 

2 sbi card elite points for every Rs.100 transaction. 

4 sbi credit card reward points value in rupees is equal to Rs. 1. If you are curious to know how to redeem sbi elite credit card points? then feel free to take a look at our faq page.

  • Add comfort to your travel:

This sbi elite credit card offers you up to 2 free quarterly access to domestic airport lounges. You will also enjoy 6 free yearly access to international airport lounges. 

For any sbi credit card query, you can visit our faq page or you can contact the sbi credit card customer care number given below. 

  • Enjoy luxurious hotel stays:

The sbi elite credit card hotel booking benefits are quite fascinating. The details are given below.


Total benefit

For every Rs.100 transaction

9 vistara points

On purchasing a trident membership

1000 bonus rewards

On your first hotel stay

1500 bonus points

On an extended night stay

1000 points

For every Rs.100 spent during your stay.

10 reward points.

Booking a hotel via the hotel’s website.

10% instant savings.

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

  • Dine with more delight:

For every Rs.100 transaction made on dining, the sbi elite card offers 5X sbi elite card reward points.  If you have not completed your credit card KYC, then click here to download the sbi credit card kyc form

  • Get freedom from fuel surcharges:

Every time you purchase fuel using this sbi elite card, you can earn a 1% waiver on fuel surcharges. This offer is applicable on every credit card transaction between Rs. 500 to Rs. 4000 and at any petrol feel station in India.

  • Lifetime free add-on cards:

SBI allows you to add 2 of your loved ones (age 18+) with your elite sbi card as an add-on member. The member’s age should be a minimum of 18 years.

  • Enjoy easy bill splitting:

This sbi credit card elite variant features the flexipay option which allows you to convert your transaction into easy monthly installments at an affordable cost. 

You should check your sbi elite credit card limit before applying for an EMI. If you are curious to know; how to convert sbi credit card payment into emi? then make sure to take a look at our faq page

  • Instant balance transfer facility:

The sbi credit card balance transfer feature allows you to transfer your other credit card outstanding to your sbi elite credit card so that you can get a lower interest rate against your dues. You can also convert your outstanding into an EMI.

  • The perfect travel companion for you:

The sbi elite credit card is accepted throughout the world. You can use your sbi elite card at almost any outlet or e-commerce site that accepts credit cards.

What are the sbi elite credit card charges


Payable sbi credit card maintenance charges

SBI elite credit card cash withdrawal charges

2.5% against the withdrawn amount (

minimum Rs. 500). Check your available sbi credit limit before making a withdrawal.

SBI credit card finance charge

The sbi credit card interest can go up to 3.5% monthly

SBI card foreign transaction fee

1.99% against the transacted amount 

What is sbi elite credit card add-on card fee

None, free for a lifetime

 How to contact sbi elite credit card customer care department?

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

100XGain Ratings:


Pros and cons of the elite sbi card:



  • This sbi elite card is very good at offering reward points
  • There are some attractive deals in the dining and travel categories
  • You will get some good discounts on fuel surcharges
  • There are no movie benefits on this elite card
  • There are no benefits to flight booking
  • There are no sbi elite credit card annual fee waiver options available.

If you are thinking about how to close sbi elite credit card EMI before the due date or how to cancel sbi elite credit card permanently? then feel free to take a look at our faq page.

Final Opinion:

After analyzing the sbi elite card benefits I can say that this is one of the premium credit cards offered by SBI, you will get big reward points on your daily expenses, free lounge access, exclusive benefits on hotel booking, benefits on dining, fuel surcharge waiver, etc. which are more than enough to justify the sbi elite credit card annual fee, 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. You can also take a look at our top premium credit cards page.

Alternative cards of the SBI elite card: 

  1. HDFC diners club privilege credit card (Best for reward points, lounge access, and golf benefits) 
  2. IndusInd 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 credit card (Best for travel and reward points) 

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