Premium
SBI Card ELITE
SBI 6.0
CardTrail Score
Decent
out of 10
Annual Fee
₹4,999
Spend ₹10L/year
Forex Markup
1.99%
Reward Rate
0.5%
Up to 5%
Lounge Access
8
domestic | 6 intl
About This Card
SBI Card ELITE offers decent lounge access and a competitive 1.99% forex markup, but falls behind HDFC and Axis premium cards in reward value. The 5X accelerator on dining and entertainment is niche. Best for SBI customers who can leverage the dining accelerators.
Pros & Cons
Pros
- Good lounge access package
- 5X on dining and entertainment
- Lower forex markup than most at 1.99%
- Visa Infinite perks
Cons
- Base reward rate of 0.5% is low
- ₹4,999 fee, ₹10L waiver is hard
- Points redemption value is poor
- Not competitive with HDFC/Axis premium cards
Fee Details
Annual Fee
₹4,999
Joining Fee
₹4,999
Fee Waiver Condition
Spend ₹10L/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
6
per year
Key Highlights
- + 2% forex markup — competitive
- + 8 domestic + 6 international lounges/year
- + 5X on dining, departmental stores, movies
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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 Infinite
Min Income ₹8L+
CardTrail Score
Best For
travel dining entertainment
