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Features of SBI Elite Credit Card

  • Welcome Benefits: Welcome e-Gift Voucher: Upon payment of the joining fee, cardholders receive an e-gift voucher worth INR 5,000, redeemable at select brands such as Bata, Hush Puppies, Pantaloons, Yatra, Shoppers Stop, or Aditya Birla Fashion. This serves as an immediate perk for new users.
    Complimentary Memberships: The card offers free membership to the Priority Pass Program (worth $99), granting access to over 1,000 airport lounges worldwide.
  • Travel Benefits:
    International Lounge Access: Cardholders enjoy 6 complimentary visits per calendar year to international airport lounges (maximum 2 visits per quarter). After exhausting complimentary visits, a usage fee of up to $27 + applicable taxes is charged. Only primary cardholders are eligible, and the membership is valid for 2 years.
    Domestic Lounge Access: 2 complimentary visits per quarter to domestic airport lounges in India, totaling 8 visits annually. Cardholders must present their SBI Elite Credit Card at the lounge to avail of this benefit.
    Low Foreign Currency Markup Fee: A competitive 1.99% markup fee on international transactions, making it cost-effective for overseas spending. Additionally, cardholders earn 2 reward points per INR 100 spent on international transactions.
    Exclusive Hotel Privileges: Access to VIP upgrades and privileges at over 900 luxury hotels worldwide through partnerships with Mastercard, Visa, or American Express. Cardholders can also enjoy up to 15% discounts on food and beverages at Lalit Hotels.
    Travel Discounts: Savings of up to 10% on Hertz car rentals and up to 35% on Avis car rentals. Additionally, cardholders can earn up to 10,000 miles per night on hotel stays booked via Kaligo.com, with a 25% bonus on miles.
Credit Card Promotion
    • Reward Points: 5X points (10 points per INR 100) on dining, groceries, and departmental stores, offering a 2.5% reward rate. 2 reward points per INR 100 on other retail spends, giving a 0.5% rate.
      Milestone Rewards: Earn up to 50,000 bonus points annually (worth INR 12,500) based on spending milestones — 10,000 points each on spends of INR 3L and INR 4L, and 15,000 points each on INR 5L and INR 8L.
      Redemption Options: Points can be redeemed for e-vouchers, merchandise, or statement credit through SBI Card portal (1 point = ₹0.25). A redemption fee of ₹99 applies.
    • Entertainment Benefits:
      Free Movie Tickets: Receive 2 free movie tickets per month (worth up to INR 250 each) via BookMyShow, totaling INR 6,000 annually. A minimum of 2 tickets must be booked in one transaction to avail the offer.
      Golf Privileges: Enjoy 4 complimentary rounds of golf plus 1 free golf lesson every month at select Indian golf courses.
    • Fuel Surcharge Waiver: 1% Waiver: On fuel transactions between INR 500 and INR 4,000 at any petrol pump in India, with a maximum waiver of INR 250 per statement cycle. Government service tax is extra, as applicable.
    • Fraud Protection: Fraud Liability Cover: A complimentary cover of INR 1 lakh for fraudulent transactions, valid from 48 hours before reporting the loss to 7 days after. Cardholders must report the loss by calling the SBI Card helpline (1860 180 1290 or 39020202, prefix local STD code). Emergency Card Replacement: Available worldwide through a 24/7 helpline for Visa and Mastercard variants, ensuring peace of mind while traveling abroad. Discontinued Insurance: The complimentary air accident insurance coverage of INR 1 crore will be discontinued from July 15, 2025
    • Contactless Payments: Wave and Pay: The card supports contactless payments for transactions up to INR 5,000, allowing secure and convenient payments by waving the card at NFC-enabled terminals. This reduces the risk of card loss or skimming, as the card remains in the cardholder’s hand.
    • Concierge Services: Dedicated Assistance: Cardholders receive 24/7 concierge support for services like flower delivery, gift delivery, and online doctor consultations, enhancing convenience for busy lifestyles.
    • Global Acceptance: Wide Network: Accepted at over 24 million outlets globally, including 325,000 outlets in India, making it versatile for both domestic and international use.
    • Add-On Cards: Cardholders can apply for add-on cards for family members, though benefits like lounge access and Priority Pass membership are exclusive to the primary cardholder.
    • Balance Transfer: Transfer balances from other credit cards at lower interest rates, repayable in EMIs.
    • Flexipay: Convert transactions (₹2,500+) into EMIs within 30 days (3, 6, 9, 12, 18, 24 months).
    • Easy Bill Pay: Automate utility bill payments (electricity, insurance, etc.) via auto-pay.
    • Annual Fee Waiver: The renewal fee of INR 4,999 is waived if the cardholder spends INR 10 lakh or more in the previous year.
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Benefits of SBI Elite Credit Card

  • Welcome Benefits: ₹5,000 e-gift voucher (Shoppers Stop, Pantaloons, Bata, Yatra, etc.) on ₹4,999 joining fee, offsetting initial cost. Free Priority Pass membership ($99) for 1,000+ global lounges.
  • Travel Benefits: 6 international lounge visits/year (worth $150–$300), 8 domestic visits/year (worth ₹8,000–₹16,000). 1.99% foreign markup saves ~₹1,245/$1,000 spend vs. 3.5% cards. Hotel upgrades, 15% dining discounts at Lalit Hotels.
  • Reward Points: 5X points on dining, groceries, stores (2.5% rate). 2 points/₹100 on retail (0.5% rate). 50,000 bonus points (₹12,500) on ₹8L spends. Redeem for vouchers, bill payments (1 point = ₹0.25, ₹99 fee).
  • Reward Points Program: Earn 5X Reward Points on dining, departmental stores, and grocery spends. All other retail spends earn 2 points per ₹100. 1 point = ₹0.25, making the effective reward rate up to 2.5%.
  • Milestone Rewards: offer up to 50,000 bonus points annually on high spending slabs. Points can be redeemed for gift cards, merchandise, travel bookings, or even to offset card dues via SBI Card website, app, or helpline.
  • Entertainment & Lifestyle:
  • Complimentary Movie Tickets: 2 complimentary movie tickets/month via BookMyShow, saving up to ₹6,000/year. Requires minimum 2-ticket booking per transaction.
  • Concierge Services: 24x7 concierge support for restaurant reservations, travel bookings, gift/flower delivery, and online doctor consultations. Saves time for busy individuals and adds a premium lifestyle experience.
  • Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500 and ₹4,000. Maximum ₹250/month, saving up to ₹3,000/year. Applies to all petrol pumps in India. Especially beneficial for those with regular fuel usage.
  • Fraud Protection & Security: Complimentary fraud liability cover up to ₹1 lakh, valid from 48 hours prior to card loss report to 7 days after. Emergency card replacement available globally via 24/7 helpline for Visa/Mastercard variants.
  • Contactless Payments: Tap-and-pay up to ₹5,000 at NFC-enabled POS terminals. Offers secure, convenient transactions without swiping or entering a PIN, reducing skimming risk on low-value purchases.
  • Global Acceptance: Accepted at over 24 million outlets worldwide and 3.25 lakh outlets in India. Suitable for frequent travelers and international spenders.
  • Add-On Cards: Free add-on cards for family members aged 18+, sharing the primary card’s credit limit and benefits.
  • Balance Transfer: Transfer outstanding balances from other credit cards at lower interest rates and repay via EMI options, helping reduce overall debt burden.
  • Flexipay: Convert purchases of ₹2,500 or more into easy EMIs (3–24 months) via the SBI Card portal. Offers flexibility in managing large transactions.
  • Annual Fee Waiver: ₹4,999 annual fee is waived on spending ₹10 lakh in a card anniversary year—an achievable target for regular and high-end users.
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How to Apply for SBI Elite Credit Card

  • Step 1: Check Eligibility
    Age: 18–70 years (salaried), 21–70 years (self-employed/pensioners).
    Income: ₹60,000/month (salaried), ₹7.2L/year (self-employed), or equivalent pension.
    Credit Score: Preferably 750+.
    Nationality: Resident Indian or NRI with Indian address.
  • Step 2: Gather Documents
    Identity: PAN (mandatory), Aadhaar, Passport.
    Address: Utility bill, Aadhaar, Passport.
    Income: Salary slips, ITR, pension order.
    Photograph: Recent passport-sized photo.
  • Step 3: Choose Application Mode
    Online: Visit www.sbicard.com, fill form, upload documents.
    Offline: Visit SBI branch, submit form/documents.
    Partners: Apply via BankBazaar, Paisabazaar.
  • Step 4: Submit Application
    Submit form/documents, receive reference number for tracking.
  • Step 5: Verification
    Telephonic/field verification for documents, address, income.
  • Step 6: Approval
    Approval within 7–14 days, review terms (credit limit, fees).
  • Step 7: Card Delivery
    Card delivered to registered address, activate via SBI Card app/website.

Eligibility Criteria for SBI Elite Credit Card

  • Age:
    • Salaried: 18–70 years.
    • Self-Employed/Pensioners: 21–70 years.
  • Income:
    • Salaried: ₹60,000/month.
    • Self-Employed: ₹7.2L/year (ITR).
    • Pensioners: ₹60,000/month equivalent.
  • Nationality: Resident Indian or NRI with Indian address.
  • Credit Score: Preferably 750+, no recent defaults.
  • Employment:
    • Salaried: Stable job with reputed firm.
    • Self-Employed: 1–2 years business continuity.
    • Pensioners: Regular pension from recognized source.
  • Residential Stability: Permanent Indian address; NRIs need overseas proof.
  • Existing SBI Relationship: Optional, may fast-track approval.
  • Documentation: Valid ID proof, address proof, income proof, and recent passport-size photograph.
  • Debt Obligations: Should not exceed 40% of monthly income for better approval chances.
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Documents Required for SBI Elite Credit Card

  • Identity Proof (Any one):
    • PAN Card (mandatory)
    • Aadhaar Card
    • Passport
    • Voter's ID
    • Driving License
  • Address Proof (Any one):
    • Aadhaar Card
    • Utility Bill (not older than 3 months)
    • Passport
    • Driving License
    • Ration Card
  • Income Proof:
    • Salaried: 1–3 months’ salary slips, Form 16, 3 months’ bank statement.
    • Self-employed: 1–2 years’ ITR, 3–6 months’ bank statement.
    • Pensioners: Pension payment order, 3–6 months’ bank statement.
  • Photograph: Recent passport-sized color photograph (offline applications).
  • NRIs: Passport, visa, overseas address proof, Indian address proof.

Factors Affecting SBI Elite Credit Card Approval

  • Credit Score: Preferably 750+; lower scores (700–750) considered with high income.
  • Income Level: ₹60,000/month (salaried), ₹7.2L/year (self-employed), or equivalent pension.
  • Employment Status: Stable job, 1–2 years business continuity, or regular pension.
  • Debt-to-Income Ratio: Below 40% preferred; high DTI risks rejection.
  • Credit History: 1–2 years clean history, no defaults or late payments.
  • Documentation: Complete, accurate documents for faster processing.
  • Residential Stability: Permanent Indian address; NRIs need overseas proof.
  • Existing SBI Relationship: May improve approval odds.
  • Verification: Prompt response to telephonic/field verification.
  • Recent Inquiries: Avoid multiple applications within 3–6 months.
  • Age: Typically 21 to 60 years of age; applicants outside this range may face difficulty.
  • Bank Statements: Recent statements showing regular income and financial stability.
  • Existing Credit Cards: Limited number of active credit cards may improve approval chances.

Frequently Asked Questions (FAQs)

What is the SBI Elite Credit Card?
The SBI Elite Credit Card is a premium credit card for high-net-worth individuals, offering airport lounge access, 5X reward points on dining/groceries, movie tickets, golf privileges, and a 1.99% foreign markup fee, with an annual fee of ₹4,999.
Who is eligible to apply for the SBI Elite Credit Card?
Age: 18–70 years (salaried), 21–70 years (self-employed/pensioners).
Income: ₹60,000/month (salaried), ₹7.2L/year (self-employed), or equivalent pension.
Nationality: Resident Indian or NRI with Indian address.
Credit Score: Preferably 750+.
Employment: Stable job, business continuity, or pension.
What documents are required to apply?
Identity: PAN (mandatory), Aadhaar, Passport, Voter ID, Driving License.
Address: Aadhaar, utility bill (≤3 months), Passport, Driving License.
Income: Salary slips/Form 16 (salaried), ITR (self-employed), pension order (pensioners).
Photograph: Recent passport-sized (offline).
NRIs: Passport, visa, overseas/Indian address proof.
How can I apply for the SBI Elite Credit Card?
Online: Via www.sbicard.com or partners (BankBazaar, Paisabazaar), fill form, upload documents.
Offline: Visit SBI branch, submit form/documents.
Track status via reference number on www.sbicard.com or helpline (1860 180 1290).
What is the joining and annual fee?
Joining Fee: ₹4,999 + GST (unlocks ₹5,000 voucher).
Annual Fee: ₹4,999 + GST (waived on ₹10L annual spends).
What is the welcome benefit?
₹5,000 e-gift voucher (Shoppers Stop, Pantaloons, Yatra, etc.) on paying ₹4,999 joining fee, plus free Priority Pass membership ($99).
How does the reward points system work?
5X points (10 points/₹100) on dining, groceries, stores (2.5% rate).
2 points/₹100 on retail spends (0.5% rate).
Up to 50,000 bonus points (₹12,500) on ₹3L, ₹4L, ₹5L, ₹8L spends.
Redeem for vouchers, bill payments (1 point = ₹0.25, ₹99 fee). Expires after 24 months.
What are the lounge access benefits?
International: 6 free visits/year (2/quarter) via Priority Pass, $27+taxes post-free.
Domestic: 8 free visits/year (2/quarter) at Indian lounges.
Primary cardholder only.
Does the card offer a fuel surcharge waiver?
Yes, 1% waiver on fuel transactions (₹500–₹4,000), up to ₹250/statement cycle, at any Indian petrol pump.
Can I use the card internationally?
Yes, accepted at 24M+ outlets worldwide, with a 1.99% foreign currency markup fee + 2 reward points/₹100 spent.

List of SBI Elite Credit Card AP Branches

  • Kovvur (Kovvur Branch)
  • Narsipatnam (Narsipatnam Branch)
  • Yelamanchili (Yelamanchili Branch)
  • Payakaraopeta (Payakaraopeta Branch)
  • Bobbili (Bobbili Branch)
  • Parvathipuram (Parvathipuram Branch)
  • Salur (Salur Branch)
  • Cheepurupalli (Cheepurupalli Branch)
  • Giddalur (Giddalur Branch)
  • Kanigiri (Kanigiri Branch)
  • Udayagiri (Udayagiri Branch)
  • Sullurpeta (Sullurpeta Branch)
  • Naidupeta (Naidupeta Branch)
  • Gudur (Gudur Branch)
  • Venkatagiri (Venkatagiri Branch)
  • Razole (Razole Branch)
  • Nidadavole (Nidadavole Branch)
  • Tadepalle (Tadepalle Branch)
  • Nandigama (Nandigama Branch)
  • Vuyyuru (Vuyyuru Branch)