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Card Details

4849 4983 6933 9289

Bank of Maharashtra SBI Card ELITE

SBIVISA / RUPAY

Monzy Score

7.5/ 10

Very good for diners and foodies.

~2.5% back on top spends; thin rewards outside its core category.

Card Issuer

SBI Card

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

Reward Points

Card Access

Standard

Offers from SBI Card

See all

Earn Points

10pts

/₹100 on Dining

10 RP/₹100

Reward Points on departmental store & grocery spends

10 RP/₹100

Departmental store spends (5X rewards)

2 RP/₹100

All other spends (except fuel)

Benefits

Shopping

5X Reward Points on dining, departmental stores…

  • High accelerators on daily spends
  • 5X Reward Points on dining, departmental store and grocery spends
  • Reward Points can offset the statement at 4 RP = ₹1
  • Accelerated rewards capped at 10,000 Reward Points per calendar month
Travel

Priority Pass + domestic lounge access included

  • Global and domestic lounge coverage
  • Complimentary Priority Pass with 6 international visits per calendar year (max 2 per quarter)
  • 2 complimentary domestic airport lounge visits every quarter
  • Priority Pass membership validity is 2 years and extra visits cost $27 + taxes

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Dining, departmental stores & grocery

5X reward points (10 RP/100, ~2.5% value) on dining, departmental stores and grocery.

₹750

All other spends

2 RP/100 on all other spends except fuel. Fuel earns no points (1% surcharge waiver, max Rs 250/month).

₹0

Total Annual Return

₹9,000

2.5% Effective ROI

What Users Are Saying

Community Feed

Aug 2025

Bank of Maharashtra SBI Card ELITENEUTRAL

“Elite card with no joining fees or annual fees”

by r/CreditCardsIndia, Aug 2025

Bank of Maharashtra SBI Card ELITEPOSITIVE

“Which is the best among SBI cards? Open to other”

by r/CreditCardsIndia, Jul 2025

Bank of Maharashtra SBI Card ELITENEUTRAL

“Got tricked into getting paid SBI CC instead of SBI Elite LTF”

by r/CreditCardsIndia, Oct 2025

Bank of Maharashtra SBI Card ELITENEGATIVE

“SBI is the worst”

by r/CreditCardsIndia, Jul 2025

Bank of Maharashtra SBI Card ELITEPOSITIVE

“PhonePe SBI Select Black Credit Card — The Best All”

by r/CreditCardsIndia, Oct 2025

Frequently Asked Questions

The Bank of Maharashtra SBI Card ELITE charges ₹4,999 plus GST as a joining fee and the same ₹4,999 again at renewal. SBI Card waives the renewal fee if you spend ₹10L in the previous year, which is about ₹83,333 a month. If your card spend sits below that, treat ₹4,999 as a real yearly cost that your rewards have to clear first.

Things to Keep in Mind

The 'Free Movie Tickets worth ₹6,000' benefit is limited at a maximum discount of ₹250 per ticket for two tickets per month.

Accelerated reward categories capped at 10,000 Reward Points per calendar month.

Priority Pass complimentary visits apply only to international lounges outside India.