LifestyleTravelPremiumAll CardsTop Pick
SBI Elite
By SBI Card
4.0Editorial Rating
Joining Fee₹4,999 + GST
Annual Fee₹4,999 + GSTWaiver: Above 10L
Reward TypeRewardPoints
NetworkVisa, Mastercard, RuPay, Amex
⭐️
Base Reward Rate
0.5%
⚡
Accelerated Reward Rate
2.5% (5X Reward Points) on dining, grocery, and departmental stores
Editorial Review
A premium lifestyle card offering movie benefits, lounge access, and a diversified reward structure
Pros
Extensive network availability including Amex and RuPay
Robust milestone rewards up to 50,000 points
Lowest forex markup of 1.99%
Cons
Low base reward rate
High spend required for fee waiver
High monthly maintenance for reward value
🛋️ Lounge Access
2 complimentary domestic lounge visits per quarter; 6 complimentary international lounge visits per year via Priority Pass
Eligibility Criteria
Age 21–70
Available to salaried and self-employed with stable income