SBI

SBI Card Elite

SBI Card · Annual Fee: ₹4,999/yr

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✅ Verified & Updated: March 2026 📋 Data sourced from official bank website 🔗 Apply link goes directly to bank — no middlemen Always verify current terms on the official bank website before applying
Annual Fee
₹4,999/yr
Joining Fee
₹4,999
Our Rating
4.5/5 ⭐
Forex Markup
1.99%
Lounge Access
6 domestic + 6 international/year
Card Network

The SBI Card Elite from SBI Card is one of the best credit cards in its category. Here’s an honest breakdown of everything this card offers — and where it falls short.

Key Benefits at a Glance

  • Primary Reward: 5 Reward Points per ₹100; 10X on dining and groceries
  • Annual Fee: ₹4,999/yr
  • Joining Fee: ₹4,999
  • Lounge Access: 6 domestic + 6 international/year
  • Forex Markup: 1.99%

Who Is This Card Best For?

Premium cardholders wanting lounge access with a trusted brand

Our Honest Take

The SBI Card Elite delivers solid value if your spending patterns match its reward structure. The ₹4,999/yr annual fee is justifiable given the benefits on offer — especially the 5 Reward Points per ₹100; 10X on dining and groceries.

Before applying, compare it against 2–3 alternatives in the same category to make sure this card really fits your lifestyle. Apply directly on the bank’s official website for the most accurate fee and benefit information.

💳

SBI Card Elite

Annual Fee: ₹4,999/yr
⭐ 4.5 / 5
Apply on Official Site →

Some links on this page are affiliate links. We may earn a commission if you apply through our links at no extra cost to you.

✅ Best for: Premium cardholders wanting lounge access with a trusted brand
🎁 Key Reward
5 Reward Points per ₹100; 10X on dining and groceries

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