SBI Card ELITE is best for high spenders on dining and groceries who travel abroad. 5X points (2.5%) on dining, groceries and department stores.
Effective value back per ₹100 spent. 2 points per ₹100, and 10 per ₹100 on dining, groceries and department stores; 4 points = ₹1.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹-2,179 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹-2,869 |
| Frequent traveller ₹8,04,000/yr spend | ₹-2,417 |
| Family & groceries ₹5,88,000/yr spend | ₹1,061 |
Priority Pass with 6 international visits a year
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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The SBI Card ELITE credit card has a joining fee of ₹4,999 and an annual fee of ₹4,999, plus 18% GST. The annual fee is waived if you spend ₹10,00,000 or more in a card year.
The SBI Card ELITE card is best for: high spenders on dining and groceries who travel abroad. Its main strengths are: 5x points (2.5%) on dining, groceries and department stores; 1.99% forex markup. Its main drawback: ₹4,999 fee needs ₹10 lakh yearly spend to waive.
The SBI Card ELITE card charges a 1.99% forex markup on international transactions, plus 18% GST on the markup.
Yes: Priority Pass with 6 international visits a year. Banks often attach spend conditions to lounge access, so check the latest terms.