Credit cards

PSB Card ELITE

A PSB co-branded Card ELITE with annual reward milestones, accelerated category earn, lounge access and a published 1.99% foreign-currency markup.

Rewards5X reward points on dining, departmental stores and groceries; 2 points per ₹100 on other spends except fuel. Redeem 4 points for ₹1 against card outstanding. Annual spend milestones award 10,000 points at ₹3 lakh and ₹4 lakh, and 15,000 points at ₹5 lakh and ₹8 lakh; up to 50,000 bonus points yearly, stated by PSB as worth up to ₹12,500.Offers and welcome benefits₹5,000 welcome e-gift voucher from the listed travel and lifestyle brands; annual spend milestones can award up to 50,000 points (PSB states worth up to ₹12,500). Concierge services are listed for flower delivery, gift delivery and doctor consultation.Annual / renewal fee₹4,999 annual fee and ₹4,999 renewal fee from year two, plus applicable taxes.

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✓ Manually checked 30 Sept 2026 · active

Offered byPunjab & Sind Bank

India; PSB co-branded application route

Key facts

What the official sources publish

Every value belongs to this exact product. Expand any fact to inspect its official evidence in place.

Annual / renewal fee₹4,999 annual fee and ₹4,999 renewal fee from year two, plus applicable taxes.View source

PSB lists ₹4,999 annual and renewal fees plus taxes; the independently lists ₹4,999/₹4,999.

Source: Punjab & Sind Bank — PSB co-branded credit cards
Page / section: ELITE — Fees; Card pages 4–5
Accessed: 30 Sept 2026
Confidence: high

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Fee waiverRenewal fee waived at annual spends of ₹10,00,000 or more.View source

The specifically states the PSB Card ELITE renewal fee is waived on annual spends of ₹10 lakh or more in the preceding year; the PSB page does not repeat an ELITE waiver threshold in its benefits block.

Source: Card — Key Fact Statement, copy dated 26 August 2026 (SI26082026)
Page / section: Pages 4–5 — PSB Card ELITE fee-waiver row
Accessed: 30 Sept 2026
Confidence: high

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PSB publishes the multiplier, other-spend rate, fuel exclusion, redemption rate and four milestone thresholds. The stated value cap is PSB’s published figure, not independently valued.

Source: Punjab & Sind Bank — PSB co-branded credit cards
Page / section: ELITE — Elite Privileges and ELITE Rewards
Accessed: 30 Sept 2026
Confidence: high

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Offers and welcome benefits₹5,000 welcome e-gift voucher from the listed travel and lifestyle brands; annual spend milestones can award up to 50,000 points (PSB states worth up to ₹12,500). Concierge services are listed for flower delivery, gift delivery and doctor consultation.View source

The voucher, reward-point milestones and concierge categories are listed by PSB; the underlying fulfillment conditions are not included in the catalogue page.

Source: Punjab & Sind Bank — PSB co-branded credit cards
Page / section: ELITE — Welcome Gift, Elite Privileges and Other Features
Accessed: 30 Sept 2026
Confidence: high

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Lounge access6 international lounge visits per year (2 per quarter) and 8 domestic visits per year (2 per quarter). PSB lists Priority Pass membership worth USD 99, plus complimentary Club Vistara Silver and Trident Red memberships.View source

PSB publishes annual and quarterly visit counts and membership benefits. The USD 99 value is PSB’s stated membership value, not an exchange-rate conversion.

Source: Punjab & Sind Bank — PSB co-branded credit cards
Page / section: ELITE — Lounge Access & Memberships
Accessed: 30 Sept 2026
Confidence: high

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Foreign-currency markup1.99% of the transaction amount.View source

PSB states a 1.99% forex markup for ELITE; Card’s also includes Elite among the specifically listed 1.99% foreign-currency fee exceptions.

Source: Punjab & Sind Bank — PSB co-branded credit cards
Page / section: ELITE — Other Features; Card page 7
Accessed: 30 Sept 2026
Confidence: high

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Monthly finance charge3.75% per month (45% p.a.) for unsecured cards; 2.75% per month (33% p.a.) for secured, Defence and Shaurya cards. The KFS rate row is issuer-wide and does not name PSB ELITE separately.View source

The comparison preserves both cohorts rather than silently assigning a product-specific secured/unsecured rate.

Source: Card — Key Fact Statement, copy dated 26 August 2026 (SI26082026)
Page / section: Page 6 — Finance Charges
Accessed: 30 Sept 2026
Confidence: high

Open official source ↗

Benefits and features

₹5,000 welcome e-gift voucher from the listed travel and lifestyle brands
Yearly milestone schedule offers up to 50,000 bonus points valued by PSB at up to ₹12,500: 10,000 points at ₹3 lakh and ₹4 lakh spends; 15,000 points at ₹5 lakh and ₹8 lakh spends
5X reward points on dining, departmental stores and groceries; 2 points per ₹100 on other spends except fuel
4 reward points redeem for ₹1 against card outstanding
1% fuel-surcharge waiver capped at ₹250 per month
6 international lounge visits per year (2 per quarter) and 8 domestic visits per year (2 per quarter); Priority Pass membership is stated as worth USD 99
Complimentary Club Vistara Silver and Trident Red memberships
Concierge services listed for flower delivery, gift delivery and doctor consultation

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Credit-card interest estimate

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Bill left unpaidThe part of your card bill that carries forward.₹fifty thousand rupees₹1,000₹10,00,000Interest charged each monthUse the monthly rate printed by the card issuer.%0.5%5%

Interest added for one month₹1,875one thousand eight hundred seventy-five rupees

Balance after that interest₹51,875fifty-one thousand eight hundred seventy-five rupees

Monthly rate × 1245%

This is only an estimate, not a bank or insurer offer. The final amount can change because of taxes, fees, rate changes and provider rules.

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PSB SimplySAVE Card · Annual / renewal / add-on fee₹499 / ₹499 + taxes; add-on fee nil

This value is copied from PSB co-branded cards — published benefits and fees. Check the table notes before relying on it.

Source: Punjab & Sind Bank — PSB co-branded credit cards; Card dated 26 August 2026 · PSB card page sections SimplySAVE/PRIME/ELITE; pages 4–5 and 7 Open official source ↗

Published tables

Complete rates, limits and schedules

Tables preserve every reviewed row and column from the cited official source.

Table 1 · 3 rows · 8 columnsPSB SBI co-branded cards — published benefits and feesVariant-specific fees, fee waivers, rewards, lounge access and foreign-currency markup from the PSB catalogue and current SBI Card KFS.View tableHide table

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PSB SBI co-branded cards — published benefits and fees
Card	Annual / renewal / add-on fee	Fee waiver	Rewards and redemption	Welcome / milestone benefits	Fuel surcharge waiver	Lounge access	Forex markup
PSB SimplySAVE Card	₹499 / ₹499 + taxes; add-on fee nil	Renewal reversal from year 2 when prior-year spends exceed ₹1 lakh; says ₹1 lakh or more	10 points/₹150 on dining, departmental stores, movies and grocery; 1 point/₹150 other than fuel; 4 points = ₹1	2,000 points on first ₹2,000+ purchase in 60 days; ₹100 on first withdrawal in 30 days	1% waiver, maximum ₹100/month/card account	Not stated in this benefit block; separate terms still under review	3.50% under Card default
PSB Card PRIME	₹2,999 / ₹2,999 + taxes; add-on fee nil	Annual spends of ₹3 lakh or more	20 points/₹100 on utility standing instructions; 10 points/₹100 on dining, departmental stores, movies and groceries; 2 points/₹100 other than fuel; 4 points = ₹1	₹3,000 welcome voucher; ₹1,000 Pizza Hut voucher at ₹50,000/calendar quarter; ₹7,000 Yatra/Pantaloons voucher at ₹5 lakh/year; birthday points capped at 2,000/year	1% waiver, maximum ₹250/month	4 international Priority Pass visits/year (2/quarter); 8 domestic/year (2/quarter)	3.50% under Card default
PSB Card ELITE	₹4,999 / ₹4,999 + taxes; add-on fee nil	Annual spends of ₹10 lakh or more in the preceding year	5X on dining, departmental stores and groceries; 2 points/₹100 other than fuel; 4 points = ₹1	₹5,000 welcome voucher; up to 50,000 points/year at four spend milestones, stated worth up to ₹12,500	1% waiver, maximum ₹250/month	6 international visits/year and 8 domestic/year (2/quarter); Priority Pass membership stated worth USD 99	1.99%

PSB and Card describe fees as plus applicable taxes.
For SimplySAVE, the PSB catalogue says prior-year spend greater than ₹1 lakh; the table says ₹1 lakh or more. Both wordings are shown rather than silently harmonized.
PSB's published SimplySAVE block does not state a lounge benefit; this is not a confirmed no-lounge disposition.
Card's default forex rate applies to all cards except its named reduced-markup products; Elite is explicitly in the 1.99% group.
Eligibility, required documents, network and complete product-specific exclusions are not resolved in this table.

Punjab & Sind Bank — PSB co-branded credit cards; Card dated 26 August 2026 · PSB card page sections SimplySAVE/PRIME/ELITE; pages 4–5 and 7 · accessed 30 Sept 2026Open official source ↗

Table 2 · 27 rows · 2 columnsSBI Card — common KFS charges and transaction rulesIssuer-level charges and conditions from the current KFS. These are not a substitute for variant-specific product terms; the source separates secured/unsecured cohorts and specifies transaction/MCC conditions.View tableHide table

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SBI Card — common KFS charges and transaction rules
Charge or rule	Published amount / condition
Interest-free period on retail purchases	20–50 days only when the previous month's outstanding balance is paid in full
Finance charge	3.75% per month (45% p.a.) for unsecured cards; 2.75% per month (33% p.a.) for Shaurya, Defence and secured cards
Minimum finance charge	₹25
Minimum amount due	100% of , , fees/charges, finance charges and overlimit amount, plus 2% of remaining balance
Cash advance limit / daily cap	Part of the overall limit and shown in the statement; withdrawal up to ₹15,000 per day on 6011, subject to cash-advance limit; not available on 6010 over-the-counter cash disbursement
Cash advance interest / free period	No free period; finance charge applies from withdrawal date; minimum finance charge ₹25
Cash advance fee	2.5% of transaction amount, minimum ₹500, for domestic and international cash advances
Cash payment fee	₹250
Payment dishonour fee	2% of payment amount, minimum ₹500
Cheque payment fee	₹200; exceptions listed for Card Unnati, Vyapaar Unnati and Krishak Unnati
Late payment charge	₹0 for due amount ₹0–₹100; ₹100 for >₹100–₹500; ₹500 for >₹500–₹1,000; ₹750 for >₹1,000–₹10,000; ₹950 for >₹10,000–₹25,000; ₹1,100 for >₹25,000–₹50,000; ₹1,300 for >₹50,000
Additional late payment charge	₹100; also lists ₹500 late-payment charges on RE where outstanding due exceeds ₹1,000
Overlimit fee	2.5% of overlimit amount, minimum ₹600; not reversed for transaction reversal, cancellation or refund
Card replacement	₹100–₹250 (Aurum ₹1,500)
Foreign-currency transaction	3.5% default; 1.99% for specifically listed products including Elite; other named exceptions/rates are set out on page 7
Dynamic currency conversion	3.5% default; named exceptions/rates differ and are listed on page 7
Reward redemption fee	₹99 for physical products, statement credit and vouchers sent physically where individual product terms specify; AURUM excluded; no charge if account is voluntarily closed on fee-posting date
Utility payments	1% if total utility payments exceed ₹50,000 in a billing cycle; utility 4900 identified on a best-effort basis
Education payments	1% on third-party-app education payments; direct payments to schools/colleges via their websites or do not attract this fee
Wallet load	1% on each wallet-load transaction exceeding ₹1,000; 6540/6541 identified on a best-effort basis
Rent payments	₹199 + applicable taxes; not reversed for transaction reversal/cancellation/refund; 6513 treated as rent
Lounge usage outside complimentary visits	Up to USD 27 per visit + applicable taxes for international-lounge programmes, including specified India usage and outside-India usage after complimentary visits are exhausted
Payment grace	3 additional days from due date where prior billing cycles are not overdue
Railway tickets	As prescribed by / Indian Railways
Fuel surcharge	Acquirer surcharge is 1% plus applicable taxes; 1% surcharge waiver excluding applies only on eligible transactions of select cards under their own T&Cs
Taxes and payment allocation	Applicable tax: Haryana residence on statement date, 9% central + 9% state; other states, 18% integrated tax. Payments allocate in order: , , fees/charges, finance charges, balance transfer, retail spends, cash advance.
footnotes	Education: 8211/8220/8241/8244/8249/8299; third-party apps include CRED, Cheq and MobiKwik; network partners define and can change them.

This issuer schedule is attached for transparency, not as a claim that every row is unique to PSB cards. Read the card's current individual terms for applicability, exclusions and any newer changes.
page 7's named forex exceptions include Elite at 1.99%; it does not list PSB SimplySAVE or PSB PRIME among the reduced-markup exceptions.

Card — Key Fact Statement, copy dated 26 August 2026 (SI26082026) · Pages 6–9; issuer-level charges and footnotes · accessed 30 Sept 2026Open official source ↗

Table 3 · 37 rows · 4 columnsPSB SBI co-branded cards — July 2026 merchant offer circularOffers named in the PSB-hosted nine-page monthly circular. Validity is retained as printed, including expired or expiry-today offers; underlying detailed terms are hosted separately by SBI Card.View tableHide table

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PSB SBI co-branded cards — July 2026 merchant offer circular
Page	Merchant / offer	Published value	Printed validity
1	Card app e-store gift vouchers	Available in the E-Store section of the Card mobile app; voucher value not specified in the circular	No end date shown
2	Select Bosch products	Up to 15% instant discount	30 September 2026
2	Akshay Tritiya campaign in Maharashtra	Up to 50% instant discount; offer/campaign description as printed	18 April 2027
2	Select LG products	Up to 26% instant discount	30 September 2026
2	Select Haier products	Up to 27.50% instant discount	30 September 2026
2	Select Godrej products	Up to 15% instant discount	30 September 2026
2	Select products	Up to 10% instant discount	31 August 2026 — expired
3	Select OPPO products	Up to ₹17,000 per card	30 September 2026
3	Monte Carlo outlets	5% extra cashback	17 August 2026 — expired
3	Samsung consumer durable products	Up to 27.5% instant discount	30 September 2026
3	Food at IRA by Hotel Orchid	10% instant discount	30 September 2026 (page-group date; confirm against merchant terms)
3	Food at Hotel Orchid	10% instant discount	30 September 2026 (page-group date; confirm against merchant terms)
3	Select Panasonic products	Up to 12.50% instant discount	30 September 2026
4	Select Vivo smartphones	10% instant discount	30 September 2026
4	Select Sony products	Up to 10% instant discount	30 September 2026
4	Whirlpool online	Up to 20% instant discount	30 September 2026
5	Floweraura.com	20% instant discount	31 July 2026 — expired
5	Bakingo	Up to 25% instant discount	31 July 2026 — expired
5	Travelxp	Up to 15% instant discount	31 August 2026 — expired
6	Acer products	Merchant options; rate/discount not stated	No end date shown
6	Blue Star products	Merchant options; rate/discount not stated	No end date shown
6	Bosch products	Merchant options; rate/discount not stated	No end date shown
6	Carrier air conditioners	Merchant options; rate/discount not stated	No end date shown
6	Daikin products	Merchant options; rate/discount not stated	No end date shown
6	Faber products	Merchant options; rate/discount not stated	No end date shown
7	HomeTown	Merchant options; rate/discount not stated	No end date shown
7	IFB products	Merchant options; rate/discount not stated	No end date shown
7	JBL products	Merchant options; rate/discount not stated	No end date shown
7	Mitsubishi air conditioners	Merchant options; rate/discount not stated	No end date shown
7	Nokia products	Merchant options; rate/discount not stated	No end date shown
7	OnePlus products	Merchant options; rate/discount not stated	No end date shown
7	Panasonic products	Merchant options; rate/discount not stated	No end date shown
8	realme products	Merchant options; rate/discount not stated	No end date shown
8	Reliance Digital	Merchant options; rate/discount not stated	No end date shown
8	Samsung mobiles and tablets	Merchant options; rate/discount not stated	No end date shown
8	TCL products	Merchant options; rate/discount not stated	No end date shown
8	Voltas products	Merchant options; rate/discount not stated	No end date shown

The circular labels itself communication-only and directs cardholders to www.sbicard.com/offers for detailed T&Cs.
Offers ending 30 September 2026 are reproduced as printed; this batch was reviewed on that date, and subsequent availability must be rechecked.
The circular's extracted text places the Hotel Orchid validity adjacent to the merchant rows; the printed page image should be checked on a future visual review.

Punjab & Sind Bank-20 Jul26 · Pages 1–9; merchant offers and issuer disclaimer · effective 20 Jul 2026 · accessed 30 Sept 2026Open official source ↗

PSB Card ELITE

What the official sources publish

Benefits and features

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PSB SBI Card PRIME

PSB SimplySAVE SBI Card

PSB SBI Card ELITE

What the official sources publish

Benefits and features

Related official documents

Try the numbers

Credit-card interest estimate

Find the exact published value

Complete rates, limits and schedules

Related products

PSB SBI Card PRIME

PSB SimplySAVE SBI Card

PSB Card ELITE