What is the reward rate on the PSB SBI Card ELITE?

You earn 10 points per ₹100 on Dining, Departmental stores and Grocery Spends. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 1000 points, roughly ₹250, which is about 2.5% back. fuel earn nothing at all.

Does the PSB SBI Card ELITE give free airport lounge access?

The PSB SBI Card ELITE gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 6 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

What changed on the PSB SBI Card ELITE recently and is it still worth it in 2026?

Elite lost ₹1cr air accident insurance (Jul 2025); Jan 2026 lounge tightening. The changes are dated Jul 2025; Jan 2026. At ₹10L of yearly spend the card returns roughly ₹5,000 at its general rate of about 0.5%, against a ₹4,999 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

←

Card Details

2079 2373 5135 3117

PSB SBI Card ELITE

SBIVISA, RUPAY

Card Issuer

SBI Card

Joining Fee

₹4,999

Annual Fee

₹4,999

Reward Type

—

Card Access

Standard

Offers from SBI Card

See all

Neelkanth: Up to ₹6500 Instant Discount
Exclusive Discounts · till 12 Sep 2026
Pai-International: Up to Rs 16000 Instant Discount at PAI International
Exclusive Discounts · till 13 Sep 2026
Pittappillil: Up to Rs 10000 Instant Discount at Pittappilill Agencies
Exclusive Discounts · till 13 Sep 2026
Myg: Up to Rs 16000 Instant Discount Offer – myG Mobiles
Electronics Deals · till 15 Sep 2026
Amazon: 10% Instant Discount at Amazon
Shopping Deals · till 18 Sep 2026

Earn Points

10pts

/₹100 on Dining

2pts

/₹100 on International Transactions

15%

Max Discount on Hotels/Flights With Makemytrip

15%

Max Discount at Ihg Hotels

Benefits

Lounges

6 Intl Lounge Visits/Yr

8 Domestic Lounge Visits/Yr

Hotels

Benefits at 900+ Luxury Hotels Worldwide

Up to 15% Cashback Makemytrip Hotels
1,000 Trident Privilege Welcome Pts
₹1,000 Hotel Credit Extended Night Stay
Club Itc Silver Tier (1-Yr Complimentary)

Shopping

2 Pts/₹100 All Other Categories

Dining

10 Pts/₹100 on Food

Forex

1.99% Forex Markup

Cabs

Up to 10% Hertz, 35% Avis

Flights

₹5000 Yatra Welcome Gift Voucher

Fuel

1% Fuel Surcharge Waiver

Entertainment

Upto ₹6,000 Movieticket Discounts/Yr

Groceries

5X Pts on Grocery

Golf

4 Complimentary Golf Rounds/Yr

Insurance

₹1Cr Air Accident Liability Cover

Concierge

24X7 Concierge Service

Utilities

Links to Upi Apps

What Users Are Saying

Community Feed

Jul 2024

PSB SBI Card ELITE

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

PSB SBI Card ELITE

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind

PSB SBI Card ELITE

Offers from SBI Card

Earn Points

Benefits

What Users Are Saying

Frequently Asked Questions

Things to Keep in Mind