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Card ELITE

A premium lifestyle credit card with airport-lounge access, a 1.99% foreign-currency markup, movie and milestone benefits, and a ₹4,999 annual fee.

Cashback / rupee redemption valueSBI Card ELITE publishes 4 Reward Points = ₹1. Earn 5X Reward Points on dining, department stores and grocery and 2 points per ₹100 on other eligible spends.Rewards5X Reward Points on dining, department stores and grocery; 2 points per ₹100 on other eligible spends; 4 points = ₹1Offers and promotional benefitsWelcome e-gift voucher worth ₹5,000; free movie tickets worth ₹6,000 each year; up to 50,000 bonus Reward Points worth ₹12,500 on annual-spend milestones.
Official product page ↗Compare category

Quick eligibility check

Card ELITE

0 of 9 answered

Answer what you know. This guide compares your answers with the criteria published for this product; it is not an approval decision. Your answers stay on this device.

1Are you aged 21 to 70?

Published source: Eligibility

2Are you salaried or self-employed?

Published source: Eligibility

3Do you have a regular source of income?

Published source: Eligibility

4Do you have a good credit profile?

Published source: Eligibility

5Does your annual income meet this requirement: The reviewed product page does not publish a minimum-income threshold?

6Document checkDo you have this required document or proof: PAN Card?

Published source: Eligibility

7Document checkDo you have at least one of these required documents: Aadhaar Card with first 8 digits masked or another valid government address proof?

Published source: Eligibility

8Document checkDo you have this required document or proof: Recent passport-size photograph?

Published source: Eligibility

9Document checkDo you have at least one of these required documents: Employment proof such as offer letter or salary slips, when requested?

Published source: Eligibility
0 of 9 answeredAnswer the remaining questions to see your checklist result.
✓ Manually checked 31 Aug 2026 · active
SBI Card ELITE
Offered byState Bank of India

India, subject to Cards and Payment Services Limited approval

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 and renewal fee₹4,999 + applicable taxesEffective 30 Jul 2026View source
The current lists ₹4,999 joining and renewal fees for Card ELITE.
Source
Card Key Fact Statement
Page / section
Card-wise annual and renewal fee table
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Renewal-fee reversalRenewal fee reversed on annual spends of ₹10 lakhEffective 30 Jul 2026View source
The current publishes a ₹10 lakh annual-spend threshold for renewal-fee reversal.
Source
Card Key Fact Statement
Page / section
Card-wise renewal-fee waiver table
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum annual finance chargeUp to 45% per annumView source
The current publishes finance charges of up to 3.75% per month, equivalent to 45% per annum, for unsecured cards.
Source
Card Most Important Terms and Conditions
Page / section
Finance charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Maximum monthly finance chargeUp to 3.75% per monthView source
The current publishes a maximum monthly finance charge of 3.75%, with a minimum finance charge of ₹25.
Source
Card Most Important Terms and Conditions
Page / section
Finance charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Foreign-currency markup1.99%View source
The official product page publishes a 1.99% foreign-currency markup.
Source
Card ELITE
Page / section
International usage
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Rewards5X Reward Points on dining, department stores and grocery; 2 points per ₹100 on other eligible spends; 4 points = ₹1View source
The official page publishes accelerated category rewards, the base reward rate and redemption value.
Source
Card ELITE
Page / section
Reward benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Airport-lounge access2 domestic visits per quarter and 6 international Priority Pass visits per year, maximum 2 per quarterView source
The page publishes domestic quarterly access and six international visits annually with a two-per-quarter cap.
Source
Card ELITE
Page / section
Airport lounge access
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Movie benefitComplimentary movie tickets worth up to ₹6,000 per yearView source
The official page publishes complimentary movie-ticket value up to ₹6,000 annually, subject to terms.
Source
Card ELITE
Page / section
Movie benefits
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Fuel-surcharge waiver1% fuel-surcharge waiver; maximum ₹250 per statement cycleView source
The official page publishes a 1% fuel-surcharge waiver subject to a ₹250 statement-cycle cap.
Source
Card ELITE
Page / section
Fuel surcharge waiver
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Interest-free credit period20 to 50 days when the previous statement balance is paid in full; not available for cash advancesView source
The states that the 20-to-50-day period is conditional and excludes cash advances.
Source
Card Most Important Terms and Conditions
Page / section
Interest-free grace period
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
IssuerSBI Cards and Payment Services Limited (SBICPSL)View source
The controlling terms identify as the card issuer.
Source
Card Most Important Terms and Conditions
Page / section
Issuer and cardholder agreement
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
NetworkVisa, Mastercard or American Express.View source
The official ELITE page shows Mastercard, Visa and American Express network privileges and lists those networks for international cash access.
Source
Card ELITE
Page / section
Network privileges / international use
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Offers and promotional benefitsWelcome e-gift voucher worth ₹5,000; free movie tickets worth ₹6,000 each year; up to 50,000 bonus Reward Points worth ₹12,500 on annual-spend milestones.View source
The official ELITE page lists the ₹5,000 welcome voucher, ₹6,000 annual movie tickets and annual-spend bonus-point milestones.
Source
Card ELITE
Page / section
Key benefits / milestone benefits
Accessed
21 Aug 2026
Confidence
high
Open official source ↗
Interest-free period and minimum amount dueInterest-free credit period 20-50 days only on retail purchases when the previous statement is paid in full. Minimum amount due: 100% GST + 100% EMI + 100% fees/charges + 100% finance charges + overlimit amount + 2% of remaining balanceEffective 30 Jul 2026View source
The formula and the condition for retaining the interest-free period are preserved in full.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Extended Credit
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Cash-advance termsMaximum ATM cash withdrawal ₹15,000/day within the cash limit; no MCC 6010 over-the-counter cash disbursement; no free-credit period; finance charge starts on withdrawal date; ATM fee 2.5% with minimum ₹500; minimum finance charge ₹25Effective 30 Jul 2026View source
Domestic, and international cash-advance fees use the published percentage and minimum.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Cash Advance
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Payment and late-payment chargesCash payment ₹250; dishonour 2% of payment, minimum ₹500; cheque payment ₹200. Late fee: ₹0 up to ₹100; ₹100 above ₹100-₹500; ₹500 above ₹500-₹1,000; ₹750 above ₹1,000-₹10,000; ₹950 above ₹10,000-₹25,000; ₹1,100 above ₹25,000-₹50,000; ₹1,300 above ₹50,000; additional late-payment charge ₹100; ₹500 late charge on revolving balance above ₹1,000Effective 30 Jul 2026View source
Every outstanding band, boundary and additional charge in the is included.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Other Charges & Fees
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Overlimit and replacement feesOverlimit fee 2.5% of overlimit amount, minimum ₹600, not reversed on reversal/cancellation/refund. Card replacement ₹100-₹250Effective 30 Jul 2026View source
The AURUM-only ₹1,500 replacement exception is excluded because these products are not AURUM.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 7 — Other Charges & Fees
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Redemption, utility, education, wallet, rent and lounge feesRewards redemption ₹99 for specified physical products, statement credit and physically sent vouchers, except AURUM. Utility payments: 1% when billing-cycle total exceeds ₹50,000, effective 1 December 2024. Third-party-app education payments: 1%, effective 1 November 2025; direct school/college website or POS payments excluded. Wallet load above ₹1,000: 1% per transaction from 1 November 2025. Rent payment: ₹199, not reversed on cancellation/refund. Priority Pass visits: up to USD 27 plus tax in India and after complimentary international visitsEffective 30 Jul 2026View source
All thresholds, effective dates, exclusions and non-reversal conditions are retained.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 8 — Transaction fees and lounge charges
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Grace period, surcharge and tax rulesThree-day payment-processing grace period only when no earlier-cycle amount is overdue. Railway surcharge follows IRCTC/Railways. Fuel surcharge 1% plus taxes by acquiring bank; eligible select cards may receive 1% waiver excluding GST under product terms. Taxes: Haryana CGST 9% + SGST 9%; other states IGST 18%Effective 30 Jul 2026View source
Product-specific fuel-waiver limits remain in their own facts; this records the -wide mechanism.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Pages 8-9 — Grace period, surcharge and taxes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Payment allocation and merchant-code conditionsPayments allocate to GST, EMI, fees/charges, finance charges, balance transfer, retail spends and cash advance in that order. Rent uses MCC 6513; utility MCC 4900; education MCC 8211/8220/8241/8244/8249/8299; wallet MCC 6540/6541. Networks may change MCCs without customer intimationEffective 30 Jul 2026View source
Every allocation category and merchant-code footnote is retained.
Source
Card Key Fact Statement — 30 July 2026
Page / section
Page 9 — Tax, allocation and footnotes
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
EligibilityAge 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.View source
Age 21–70; salaried or self-employed; regular income; good credit profile; issuer approval.
Source
Card ELITE — official eligibility and network details
Page / section
Application guidelines / card network
Accessed
13 Aug 2026
Confidence
high
Open official source ↗
Cashback / rupee redemption valueSBI Card ELITE publishes 4 Reward Points = ₹1. Earn 5X Reward Points on dining, department stores and grocery and 2 points per ₹100 on other eligible spends.View source
The reviewed official page publishes the 5X and 2-points-per-₹100 earn rates; the reviewed reward terms state four points equal ₹1.
Source
Card ELITE — official product page
Page / section
Reward and milestone benefits / redemption value
Accessed
28 Aug 2026
Confidence
high
Open official source ↗

Benefits and features

  • Premium domestic and international airport-lounge access
  • Complimentary movie tickets
  • Milestone rewards worth up to ₹12,500
  • 1.99% foreign-currency markup

Eligibility

  • Issued and underwritten by Cards and Payment Services Limited; approval, credit limit and final pricing are subject to its assessment.
  • The reviewed product page does not publish a minimum-income threshold.

Passing a listed condition does not mean the bank will approve an application.

Documents the bank lists

  • Card
  • Aadhaar Card with first 8 digits masked or another valid government address proof
  • Recent passport-size photograph
  • Employment proof such as offer letter or salary slips, when requested
  • Income evidence when requested: consecutive two-month salary slips, latest Form 16, latest acknowledged , last two months' bank statement or eligible other-bank credit-card statement with card-face copy

Related official documents

SBI Card Credit Card Application Formofficial-application-form · current · accessed 31 Aug 2026
↗
Important Notices for SBI Credit Cardholders — relevant 2026 amendmentsofficial-customer-notice · current · accessed 6 Oct 2026
↗
SBI Card Document Uploader — acceptable KYC and income documentsofficial-document-checklist · current · accessed 31 Aug 2026
↗
SBI Card online application — shared eligibility criteriaofficial-product-page · current · accessed 29 Aug 2026
↗
SBI Card ELITE — Product Pageofficial-product-page · current · accessed 13 Aug 2026
↗
SBI Card Key Fact Statement — 30 July 2026official-key-fact-statement · current · accessed 13 Aug 2026
↗
SBI Card Key Fact Statement — 26 August 2026 editionofficial-key-fact-statement · current · accessed 7 Oct 2026
↗
SBI Card Most Important Terms and Conditionsofficial-terms-and-conditions · current · accessed 7 Oct 2026
↗

Plan before applying

Try the numbers

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Credit-card interest estimate

See roughly how much interest may be added if part of the card bill remains unpaid for one month.

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.

Use the published table

Find the exact published value

Choose a table, then pick its row and column. This shows the exact entry published by the bank or insurer without making you scan every cell.

Apollo Card · Annual fee₹499four hundred ninety-nine rupees

This value is copied from Card annual and renewal fees — 30 July 2026 . Check the table notes before relying on it.

Source: Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees Open official source ↗

Published tables

Complete rates, limits and schedules

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

Table 1 · 20 rows · 3 columnsSBI Card annual and renewal fees — 30 July 2026 KFSCard-wise fee and spend-based waiver rows for the SBI cards in this catalogue.View tableHide table

Scroll sideways to view every column

SBI Card annual and renewal fees — 30 July 2026 KFS
CardAnnual feeRenewal fee / waiver
Apollo Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
Apollo Card SELECT₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card₹499₹499; waived on annual spends of ₹50,000 or more in preceding year
Card Octane₹1,499₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
CASHBACK Card₹999₹999; waived on annual spends of ₹2 lakh or more in preceding year
Flipkart Card₹500₹500; waived on annual spends of ₹3.5 lakh or more in preceding year
IndiGo Card₹1,499₹1,499
IndiGo Card ELITE₹4,999₹4,999
PhonePe Card PURPLE₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
PhonePe Card SELECT BLACK₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Card ELITE₹4,999₹4,999; waived on annual spends of ₹10 lakh or more in preceding year
Card MILES₹1,499₹1,499; waived on annual spends of ₹6 lakh or more in preceding year
Card MILES ELITE₹4,999₹4,999; waived on annual spends of ₹15 lakh or more in preceding year
Card MILES PRIME₹2,999₹2,999; waived on annual spends of ₹10 lakh or more in preceding year
Card PRIME₹2,999₹2,999; waived on annual spends of ₹3 lakh or more in preceding year
Card PULSE₹1,499₹1,499; waived on annual spends of ₹2 lakh or more in preceding year
SimplyCLICK Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
SimplySAVE Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
Tata Neu Infinity Credit Card₹1,499₹1,499; waived on annual spends of ₹3 lakh or more in preceding year
Tata Neu Plus Credit Card₹499₹499; waived on annual spends of ₹1 lakh or more in preceding year
  • The states annual and renewal fees can vary by cardholder and variant; applicable taxes are additional.
Card Key Fact Statement — 30 July 2026 · Pages 1–6 — Annual Fees & Renewal Fees · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗
Table 2 · 23 rows · 2 columnsSBI Card common charges and limits — 30 July 2026 KFSCommon charges apply according to the card variant and the KFS exclusions below.View tableHide table

Scroll sideways to view every column

SBI Card common charges and limits — 30 July 2026 KFS
Charge / featurePublished amount or condition
Interest-free period20–50 days on retail purchases when the previous month’s outstanding balance is paid in full
Finance charge3.75% 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 due100% of + 100% of amount + 100% of fees/charges + 100% of finance charges + overlimit amount (if any) + 2% of remaining outstanding balance
Cash-advance limitCash-advance limit is part of overall credit limit; maximum withdrawal ₹15,000 per day on 6011, subject to cash-advance availability; 6010 over-the-counter cash is unavailable
Cash-advance fee2.5% of transaction amount, minimum ₹500, at and other domestic and international
Cash payment₹250
Payment dishonor2% of payment amount, minimum ₹500
Cheque payment₹200
Late paymentNil for ₹0–₹100; ₹100 above ₹100–₹500; ₹500 above ₹500–₹1,000; ₹750 above ₹1,000–₹10,000; ₹950 above ₹10,000–₹25,000; ₹1,100 above ₹25,000–₹50,000; ₹1,300 above ₹50,000
Additional late-payment charge₹100
Overlimit fee2.5% of overlimit amount, minimum ₹600; not reversed on transaction reversal/cancellation/refund
Card replacement₹100–₹250; ₹1,500 for Aurum
Foreign-currency transaction / 3.5% for most cards; 3% for Card MILES; 2.5% for Card MILES PRIME; 1.99% for AURUM, ELITE, PRIME Secured, Tata Neu Infinity, Card MILES ELITE and specified exclusions
Rewards redemption₹99 for physical products, statement credit and physically sent vouchers for all cards except AURUM, subject to the conditions
Utility payment1% when total utility payments exceed ₹50,000 in a billing cycle; 4900
Education payment1% on education payments through third-party apps; direct college/school website or payments do not attract this fee; 8211, 8220, 8241, 8244, 8249 and 8299
Wallet load1% on every wallet-load transaction exceeding ₹1,000; 6540 and 6541
Rent payment₹199 + applicable taxes for 6513; not reversed on reversal/cancellation/refund
Lounge usageUp to USD 27 per visit plus taxes for international lounge programmes after applicable complimentary visits; domestic/international programme rules vary by card
Payment grace period3 days from payment due date where payments are not overdue from previous billing cycle(s)
Fuel surcharge1% of transaction amount plus taxes; eligible select cards receive 1% waiver excluding ; waiver terms vary by product
Tax treatmentApplicable taxes are charged on fees, interest and charges; the describes 9% Central + 9% State tax for Haryana residence and 18% integrated tax otherwise
  • The includes dated footnotes and says network partners may change classifications; current product terms can add card-specific conditions.
Card Key Fact Statement — 30 July 2026 · Pages 7–9 — Extended Credit, Cash Advance, Other Charges & Fees and footnotes · effective 30 Jul 2026 · accessed 26 Aug 2026Open official source ↗

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