Premium
SBI Card ELITE Advantage
SBI 5.9
CardTrail Score
Decent
out of 10
Annual Fee
₹4,999
Spend ₹5L/year
Forex Markup
1.99%
Reward Rate
0.5%
Up to 5%
Lounge Access
8
domestic | 4 intl
About This Card
The SBI Card ELITE Advantage is a premium credit card from SBI with an annual fee of ₹4,999. It offers a base reward rate of 0.5% with up to 5.0% on select categories. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.
Pros & Cons
Pros
- Low forex markup at 1.99%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
Cons
- ₹4,999 annual fee may not suit light spenders
- Income eligibility: ₹9L+ per annum
- Below-average base reward rate
Fee Details
Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver Condition
Spend ₹5L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
5,000 Reward Points
Lounge Access
Domestic Lounges
8
per year
International Lounges
4
per year
Key Highlights
- + Annual fee ₹4,999 (waiver: Spend ₹5L/year)
- + Up to 5.0% rewards on accelerated categories
- + 8 complimentary domestic lounge visits/year
- + 4 international lounge visits/year
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Quick Summary
Best For
travel dining
Annual Fee ₹4,999
Base Reward 0.5%
Max Reward 5%
Forex Markup 1.99%
Network Visa
Min Income ₹9L+
CardTrail Score
Best For
travel dining
