Premium lifestyle credit card secured against SBI fixed deposit
₹4,999
One-time upfront₹4,999
Waiver on milestoneStandard Points
On eligible spendsNo Lounge Access
Complimentary visitsLast verified 14 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
Premium secured credit card offering complimentary domestic & international airport lounge access, movie perks, and accelerated rewards against an SBI fixed deposit.
Domestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Evaluate whether this card's perks and waiver threshold justify its ₹4,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding SBI Card ELITE Advantage application, fees, reward redemption, and eligibility
The joining fee for SBI Card ELITE Advantage is ₹4,999 (one-time), and the annual renewal fee is ₹4,999 from the second year onwards. GST of 18% is applicable on all fee charges.
Yes, the annual renewal fee can be waived by spending ₹10 lakh in a year.
SBI Card ELITE Advantage offers reward points on eligible transactions. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
No, SBI Card ELITE Advantage is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
Key eligibility criteria for SBI Card ELITE Advantage include minimum age of 18 years, residency status of Resident Indian. Approvals remain subject to card issuer verification and underwriting policies.
You can apply directly through the official SBI Card portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.
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Direct online application on the official SBI Card portal with paperless verification.