SBI Card
SBI Card ELITE
Data Verified
Last checked: 25 Feb 2026Best for lifestyle spenders who want accelerated rewards on dining, entertainment, and occasional travel lounge access.
A premium lifestyle and travel card offering 5X rewards on dining, grocery, departmental stores, and movies, plus 8 complimentary lounge visits annually (expandable to 23 with milestones).
TravelDiningShoppingEntertainment
Annual Fee
₹4999
Annual fee waived on ₹10 lakh annual spend
Cashback
2%
Headline Rate
Forex Markup
3.5%
Standard Rate
Expert Verdict
"SBI Card ELITE packs serious value for lifestyle spenders. The 5X multiplier on dining, grocery, and movies covers everyday premium spending. Lounge access is decent, and the Club Vistara Silver membership adds travel value. The fee is steep at ₹4,999 but justifiable with the welcome bonus alone. Verdict: Best SBI card for premium lifestyle + travel combo."
Key Privileges
Welcome Benefit5,000 bonus reward points on joining + ₹500 Yatra voucher
Fee WaiverAnnual fee waived on ₹10 lakh annual spend
Interest Rate (APR)42%
Min. Income₹6 lakh per annum
Start Application
Applying takes less than 5 minutes. You will need your PAN card and Aadhaar details handy.
Simplified Digital KYC
Instant Approval Check
Zero Physical Documentations
By clicking apply, you will be redirected to the official bank portal. FinanceMacha may earn a commission on successful approvals.
Eligibility Summary
- Min. Credit Score750
- Min. Income₹6 lakh per annum
- EmploymentSalaried/Self