SBI Card ELITE
State Bank of India
The SBI Card ELITE sits at the top of the SBI Card portfolio, designed for high-income individuals who prioritize lounge access and premium travel benefits. The ₹4,999 annual fee is significant but can be waived on annual spend of ₹12 lakhs — a threshold that frequent card users can comfortably meet. Unlimited domestic airport lounge access across 100+ lounges is the standout feature, removing the anxiety of visit limits that plagues mid-tier cards. With 2.5% reward rate on dining and international transactions, the card is ideal for those who frequently dine out or travel abroad. Complimentary Club Vistara membership adds further value for air travelers, with accelerated base points on every Vistara flight. Air accident insurance of ₹1 crore and credit shield up to ₹5 lakhs provide substantial financial protection for high-value cardholders. Source: SBI Card official website, updated May 2026.
Key Facts
| Feature | Details |
|---|---|
| Joining Fee | ₹4,999 |
| Annual Fee | ₹4,999 |
| Reward Rate | [object Object]% |
| Cashback Rate | 0% |
| Lounge Access | Yes |
Features & Benefits
Pros & Cons
- Unlimited domestic lounge access
- High dining reward rate
- Club Vistara benefit
- Premium insurance cover
- Very high annual fee
- Requires ₹12L annual spend for waiver
- Limited international lounge visits
How to Apply
Review the eligibility criteria below and ensure you meet the income and credit score requirements.
Click "Apply Now" and fill in your personal, income, and KYC details online.
The bank reviews your application and approves within 2–5 working days. Card arrives in 3–7 days.