SBI Card Elite
SBI Card•VisaMastercardPremiumActive
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Highlights
- Base reward rate: 0.5% return (2 pts per ₹100)
- Domestic Lounge: 2 visits/quarter via Visa Lounge Program
- International Lounge: 6 visits/year via Priority Pass
- Movie Offers: Free movie tickets worth ₹6,000 p.a. (₹250 per ticket, max 2 tickets per month).
- Dining: Dining & stay benefits at Trident properties.
- Complimentary Club Vistara Silver Membership (1 Year)
- Complimentary Trident Privilege Red Tier Membership (1 Year)
Welcome / Joining Benefit
Get welcome gift vouchers worth ₹5,000 upon fee payment.
Points Expiry
Points valid for 2 years.
Joining Fee
₹4,999
+18% GST applicable
Annual Fee
₹4,999
+18% GST applicable
Renewal Fee
₹4,999
+18% GST applicable
Joining Fee Waiver
Get welcome gift vouchers worth ₹5,000 upon fee payment.
Annual Fee Waiver
Spend Threshold₹10,00,000
PeriodPrevious anniversary year
Waived on annual spends of ₹10 Lakhs or more.
Basic Requirements
Minimum Age21 years
Maximum Age70 years
Eligible OccupationSalaried, Self-Employed
Additional Details
Requires net monthly salary > ₹60,000 or ITR > ₹9 Lakhs.
Forex markup: 0%
Base Reward Rate
Points per Spend
2 pts
Per Every
₹100
Effective Return
0.5%
Currency: SBI Card Points — 1 point ≈ ₹0.25
Accelerated & Special Rates
10 reward points per ₹100 spent on Dining, Departmental stores and Groceries.
5X
2.5% return
10 reward points per ₹100 spent on international transactions.
5X
2.5% return
❌ No Points Earned On:
FuelWallet LoadRent
Movie & Entertainment
PlatformBookMyShow
Free movie tickets worth ₹6,000 p.a. (₹250 per ticket, max 2 tickets per month).
Monthly cap: ₹500
Dining Privileges
ProgramTrident Privilege Membership
DiscountUp to 10% off
Dining & stay benefits at Trident properties.
Complimentary Memberships
Club Vistara Silver Membership1 Year
Trident Privilege Red Tier Membership1 Year
🛫 Domestic Lounge Access
ProgramVisa Lounge Program
Visits2 per quarter
Guest AccessNo
🌏 International Lounge Access
ProgramPriority Pass
Visits6 per year
Guest AccessNo
Redemption Options
Smart Redemption Tips
🏆 Best value: Gift Voucher at ₹0.50/pt — maximize your returns here.
⚠️ Avoid Statement Credit (₹0.25/pt) — you lose 75% of point value.
🪙 Reward currency: SBI Reward Points
Best Value
🎁Gift Voucher
E-vouchers and brand vouchers via SBI Rewards catalogue
₹0.50/pt
✈️Travel Portal
Flights, hotels and travel bookings via SBI Rewards
₹0.50/pt
🛍️Merchandise
Physical goods from SBI Rewards catalogue (low value redemption)
₹0.20/pt
💳Statement Credit
Redeem points against card outstanding (lower value, capped usage)
₹0.25/pt
Points Transfer Partners
Total: 26 partnersSort By
Air Arabia AA Rewards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
AirAsia Rewards
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Air Canada Aeroplan
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Flying Blue
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Air India Maharaja Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
British Airways Club
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Cathay Pacific Asia Miles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Etihad Guest
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Emirates Skywards
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Ethiopian ShebaMiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
JAL Mileage Bank
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Saudia AlFursan
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
SpiceClub
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Royal Orchid Plus
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Turkish Miles&Smiles
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
United MileagePlus
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Qantas Frequent Flyer
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Vietnam Airlines Lotusmiles
Airline
1Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 mile
Accor Live Limitless
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 pt
IHG One Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 pt
Club ITC
Airline
2Points
1Miles
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 mile
Jumeirah One
Hotel
2Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.50 pt
Orchid Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 pt
Wyndham Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 pt
Shangri-La Circle
Hotel
6Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 0.17 pt
Radisson Rewards
Hotel
1Points
1Points
Min. Transfer1,000 pts
Transfer FeeFree
Effective Ratio1 pt = 1.00 pt
Gemini Credit Card AssistantFree Tier
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