SBI Card ELITE
SBI Card · Checked 2026-10-09
SBI Card ELITE is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
CardIQ editorial view
Our take
SBI Card ELITE is a paid card focused on travel benefits, dining rewards and airport lounge access, charging ₹4,999 annually before GST.
Who it suits
- People who prioritise travel benefits.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 5X points on eligible dining, groceries and departmental-store purchases.
- Up to 8 domestic and 6 overseas lounge visits per year, with quarterly limits and issuer conditions.
Trade-offs to understand
- 2 points per ₹100 on other eligible purchases; points are not cash at face value.
- Up to 8 domestic and 6 overseas lounge visits per year, with quarterly limits and issuer conditions.
- 1.99% foreign-currency markup, plus applicable taxes.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 5x points on eligible dining, groceries and departmental-store purchases valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible purchases; points are not cash at face value.
Compare before deciding
- AU Zenith+ — A similarly priced alternative for comparing reward points and airport lounge access.
- UCO Bank SBI Card ELITE — A similarly priced alternative for comparing reward points and airport lounge access.
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Benefits, limits and conditions
- 2 points per ₹100 on other eligible purchases; points are not cash at face value.
- Up to 8 domestic and 6 overseas lounge visits per year, with quarterly limits and issuer conditions.
- 1.99% foreign-currency markup, plus applicable taxes.