Card Details
SBI Card ELITE Advantage
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 allNeelkanth: 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
5X RP
Dining, departmental store & grocery spends
2 RP/₹100
All other retail spends (except fuel)
Benefits
5X reward points on dining, departmental and…
- Accelerated lifestyle rewards with rich milestones
- 5X Reward Points on dining, departmental stores and grocery spends
- Bonus 10k Reward Points at ₹3L & ₹4L spends, 15k at ₹5L & ₹8L spends
- Fuel transactions do not earn Reward Points
Priority Pass with 6 international visits plus…
- Robust lounge coverage in India and abroad
- Priority Pass membership with six complimentary international lounge visits yearly
- Two complimentary domestic airport lounge visits every quarter
- Usage beyond complimentary quota billed at $27 + taxes per visit
₹6,000 worth of complimentary movie tickets yearly
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet
Estimated Returns
dining, departmental stores & grocery
5X points (10 RP/100). Combined monthly cap 10,000 RP (=2500) across these three.
₹750
international transactions
2 RP/100 intl. Forex 1.99%.
₹0
all other spends
2 RP/100 (0.5%).
₹0
Total Annual Return
₹9,000
2.5% Effective ROIWhat Users Are Saying
Community Feed
Jul 2024
“SBI Elite card benefits?”
by r/CreditCardsIndia, Jul 2024
“SBI Elite Advice”
by r/CreditCardsIndia, Jan 2026
“SBI CARD ELITE”
by r/CreditCardsIndia, Jul 2024
“Upgraded to SBI Elite”
by r/CreditCardsIndia, Jul 2025
“We are getting lifetime free SBI Elite Credit in our college,”
by r/CreditCardsIndia, Jul 2025
Things to Keep in Mind
Fuel transactions do not earn Reward Points.
Priority Pass visits beyond the complimentary quota are charged at $27 + applicable taxes.
Complimentary movie ticket offer is valid only on the primary card.
