SBI Elite Credit Card 2025
Save over ₹40,000+ every year with rewards + lounges + low forex!
Top all-rounder premium card! SBI Elite gives 5 RP/₹100 on dining/grocery, 8 domestic lounge visits, ₹5,000 welcome vouchers, 1.99% forex, and ₹4,999 fee.
Perfect for everyday premium spends!
Why Choose SBI Elite in 2025?
5X dining/grocery • 8 lounges • ₹5K vouchers • 1.99% forex • Club Vistara Silver • ₹4,999 fee waiver on ₹10L
Best for: Everyday premium, travelers, high spenders
Card At a Glance
₹4,999 + GST
₹4,999 + GST (Waived on ₹10L)
5 RP/₹100 Dining | 2/₹100 Others
8 Domestic + 6 Intl
₹5,000 Vouchers
1.99%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹4,999 + GST |
| Annual Fee | ₹4,999 + GST (Waived on ₹10L) |
| Welcome Benefit | ₹5,000 Vouchers on first txn |
| Rewards Redemption Fee | ₹99 |
| Foreign Currency Markup | 1.99% + GST |
| Interest Rate | 3.5% per month |
| Fuel Surcharge Waiver | 1% (max ₹250/month) |
| Cash Advance Fee | 2.5% of amount |
Detailed Reward Rates (2025)
- 5 Reward Points per ₹100 on dining, grocery, dept stores
- 2 Reward Points per ₹100 on all other spends
- 1 RP = ₹0.25 (vouchers) | 1:1 airmiles
- Milestone: Up to 50,000 RP on ₹8L spend
- No expiry on points
Airport Lounge Access
2 domestic lounges/quarter (8/year)
6 international via Priority Pass
No spend requirement
Insurance & Protection Benefits
- ₹1 Crore air accident cover
- ₹50 Lakh personal accident cover
- ₹1 Lakh fraud liability
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 5X dining/grocery (1.25% return) | ₹99 redemption fee |
| 8 domestic + 6 intl lounges | 3.5% interest rate |
| ₹5,000 welcome vouchers | ₹10L waiver threshold |
| 1.99% low forex | Low base rewards |
| Club Vistara Silver | |
| Easy ₹10L fee waiver |
Eligibility Criteria & Documents Required
- Age: 21–60 years
- Minimum Annual Income: ₹10 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select Elite Card
- Fill basic details → Instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2 minutes)
- Card delivered in 7 days
Final Verdict – Should You Get It in 2025?
Top all-rounder! 5X dining + 8 lounges + 1.99% forex = ₹40,000+ value. Great for everyday premium spends!
Frequently Asked Questions (FAQs)
5X on dining/grocery?
Yes! 5 RP/₹100 on dept stores, dining, grocery.
8 lounge visits enough?
Yes! 2/quarter + 6 intl via Priority Pass.
₹5,000 vouchers automatic?
Yes! On first txn within 30 days.
1.99% forex markup?
Yes! Lowest for international use.
₹10L waiver easy?
Yes for ₹83K/month spenders.