Luxury lifestyle card with ₹6,000 yearly movie tickets, 1.99% low forex markup, and dual lounge access.
High-Net-Worth Individuals, Movie Buffs, Luxury Shoppers & Low-Forex International Spenders
₹4,999
One-time upfront₹4,999
Waived on ₹10 lakh annual spend2 Reward Points per Rs 100 spent
On eligible spends2 Domestic visits/quarter + 6 International visits/year
Complimentary visitsLast verified 2 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
SBI Card ELITE is the premium flagship offering from SBI Card tailored for high-spending consumers who value entertainment and travel perks. The card commands a ₹4,999 joining fee, but offsets this immediately with a ₹5,000 welcome e-gift voucher from luxury retail and travel partners (Yatra, Hush Puppies/Bata, Pantaloons, Shoppers Stop). A defining hallmark of the card is its movie benefit: cardholders receive free movie tickets worth up to ₹6,000 per year (up to ₹250 discount on 2 tickets per month via BookMyShow, requiring a minimum 2-ticket purchase). Another standout financial advantage is the competitive 1.99% foreign currency markup fee—significantly lower than the standard 3.50% charged by most mid-tier cards in India. Travel privileges comprise 8 complimentary domestic airport lounge visits annually (2 per quarter) and 6 complimentary international lounge visits outside India per calendar year via Priority Pass. On the rewards side, cardholders earn 5X Reward Points (10 RP per ₹100 = 2.50% return) on dining, departmental stores, and groceries, and can earn up to 50,000 bonus points (worth ₹12,500) via annual spend milestones up to ₹8 Lakhs. Limitations include the high ₹10 Lakh spend requirement for annual fee waiver, the ₹99 redemption fee, and a base retail return of 0.50% on general spending. Who should consider it: Movie enthusiasts watching films twice monthly who spend internationally and want dual lounge access with upfront voucher recovery. Who should look elsewhere: Spenders seeking super-premium air miles transfer ratios (who should look at Axis ATLAS or HDFC Infinia).
10 Reward Points/₹100 Spent on Dining, Grocery, and Departmental Stores (~2.5%). 2 Reward Points/₹100 on All Other Spends (~0.5%)
Vouchers Worth ₹5,000 from Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, or Shoppers Stop
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| BookMyShow Movie Tickets | Free movie tickets worth ₹6,000/year (up to ₹250/ticket, 2 tickets/month on BMS) | 250 Reward Points/mo | Standard terms apply |
| Dining, Departmental Stores & Grocery | 5X Reward Points (10 RP per ₹100 spent = 2.5% valueback) | No Cap | Standard terms apply |
| General Retail Spends | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| BookMyShow Movie Tickets | ₹6,000 | Free movie tickets worth ₹6,000/year (up to ₹250/ticket, 2 tickets/month on BMS) | — | ₹250/monthly | Calculating... | Under cap |
| Dining, Departmental Stores & Grocery | ₹6,000 | 5X Reward Points (10 RP per ₹100 spent = 2.5% valueback) | — | None | Calculating... | Under cap |
| General Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹4,999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
10,000 Bonus Reward Points (worth Rs 2,500) on annual spends of Rs 3 Lakhs.
10,000 Bonus Reward Points (worth Rs 2,500) on annual spends of Rs 4 Lakhs.
15,000 Bonus Reward Points (worth Rs 3,750) on annual spends of Rs 5 Lakhs.
15,000 Bonus Reward Points (worth Rs 3,750) on annual spends of Rs 8 Lakhs.
*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
Fee Structure: ₹4,999 + GST joining fee and ₹4,999 + GST renewal fee. Renewal fee is reversed on spending ₹10,00,000 or more in the preceding anniversary year. Welcome Benefit: E-gift voucher worth ₹5,000 from choice of partners: Yatra.com, Hush Puppies/Bata, Pantaloons, Shoppers Stop, or Aditya Birla Fashion. Movie Privileges: Free movie tickets worth up to ₹6,000 every year on BookMyShow (up to ₹250 off per ticket on a minimum booking of 2 tickets, valid twice a month; maximum ₹500 discount per month). Foreign Exchange: Discounted foreign currency markup fee of 1.99% on all international transactions (standard is 3.50%). Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (maximum 2 visits per calendar quarter). International Lounge Access: 6 complimentary international airport lounge visits per calendar year outside India with Priority Pass membership. Rewards Accrual: 5X Reward Points (10 RP per ₹100 = 2.50% return; 4 RP = ₹1) on Dining, Departmental stores, and Grocery spends. All other retail spends earn 2 Reward Points per ₹100 (0.50% return). Milestone Rewards: 10,000 bonus points on annual spend of ₹3 Lakhs; 10,000 bonus points on ₹4 Lakhs; 15,000 bonus points on ₹5 Lakhs; 15,000 bonus points on ₹8 Lakhs (up to 50,000 bonus points = ₹12,500 value annually).
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
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding SBI Card ELITE application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official SBI Card portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
SBI Card has made an important change to how State Bank of India fixed-deposit customers can access credit cards by launching the Advantage SBI Card journey on YONO with four distinct card propositions.
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Best for: High-Income Executives, Luxury Travelers & Burgundy Clients
Rewards: 12 EDGE Rewards per ₹200 spent (1.2% base value; 5:2 partner transfer)
Lounge access: 2 Domestic visits/quarter + Unlimited International · ₹50k quarterly spend required (Domestic)
Forex markup: 2% Low Forex
Renewal fee waived on ₹25,00,000 annual spend
Last verified 2 Oct 2026
Best for: Frequent Domestic & International Travelers, Golfers & Premium Cinema Goers
Rewards: 4 points/₹100 intl, 2 points/₹100 domestic
Lounge access: 4 Domestic visits/quarter + 2 International visits/year · ₹75k quarterly spend required (Domestic)
Renewal fee waived on ₹6,00,000 annual spend
Last verified 2 Oct 2026
Best for: Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers
Rewards: 2 Reward Points per Rs 100 spent
Lounge access: 2 Domestic visits/quarter + 4 International visits/year
Renewal fee waived on ₹3,00,000 annual spend
Last verified 2 Oct 2026
Best for: Ultra-high-net-worth frequent flyers, global executives, and luxury travelers seeking direct 1:1 airline conversions, international lounge privileges with guests, and bespoke concierge hospitality.
Rewards: 1 EDGE Mile/₹100 on Domestic and 2 EDGE Mile/₹100 on International Spends
Lounge access: Unlimited Domestic & International
Forex markup: 1.8% Low Forex
Renewal fee waived on ₹15,00,000 annual spend
Last verified 9 Sept 2026
Best for: Ultra-high-net-worth clients, global business executives, and luxury travelers demanding zero forex markups, spa privileges, and never-expiring reward points.
Rewards: 6 Reward Points per ₹150 on online; 3 RP per ₹150 on offline; 10X on birthday (1 RP = ₹1.00 on travel)
Lounge access: Unlimited Domestic & International
Forex markup: 0% (Zero Forex)
Renewal fee waived on ₹25,00,000 annual spend
Last verified 17 Sept 2026
Best for: Super-Premium Spenders, Heavy Online Shoppers & Frequent International Travelers
Rewards: 36 RPs for Each Spend of Rs. 200 on Online Shopping and 18 RPs for Each Offline Spend of Rs. 200
Lounge access: 6 Domestic visits/quarter + Unlimited International · ₹1L quarterly spend required (Domestic)
Forex markup: 1% Low Forex
Renewal fee waived on ₹10,00,000 annual spend
Last verified 2 Oct 2026
