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
Earn Points
5X RP
Dining, departmental store & grocery spends
2 RP/₹100
All other retail spends (except fuel)
Benefits
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Estimated Returns
Dining, Departmental stores and Grocery Spends
10 pts / ₹100
₹2,075
all other spends
2 pts / ₹100
₹0
International transactions
2 pts / ₹100
₹0
Total Annual Return
₹24,900
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
Premium lifestyle card with 5X rewards, milestone bonuses and airport lounge access.