SBI Card ELITE
An Exclusive and Exquisitely Crafted Card For Those Who Live Beyond Ordinary
Is this card worth it for you?
Drag the sliders to match your spend. The number on the right updates live.
Remaining 75% goes on everything else (groceries, utilities, online shopping). Earning rate: 0.50% travel · 0.50% dining · 0.50% base.
The fee outweighs the rewards at ₹50,000/month. You'd need ~₹83,317/month to break even — likely not worth it for you.
vs SBI Card PRIME
At ₹50,000/month with 15% travel and 10% dining.
Tools for SBI Card ELITE holders
Frequently asked
Is the SBI Card ELITE worth the ₹4,999 fee?
It depends on your spend. The SBI Card ELITE earns 0.5% base reward and waives the annual fee at ₹10,00,000 of yearly spend. Use the break-even calculator above to see your specific number.
What is the eligibility for SBI Card ELITE?
SBI hasn't published a hard minimum income for SBI Card ELITE. Approval depends on credit score, existing relationship, and employment type.
How do I redeem points on SBI Card ELITE?
Best redemption is at Shop & Smile catalog, where 1 point ≈ ₹0.25. Other paths (statement credit, vouchers) usually return less.
What is the forex markup on SBI Card ELITE?
1.99%
Last verified: 2026-05-01. Reward rates and fees are sourced from SBI's product page and may change. Always confirm with the card issuer before applying.