SBI CardVisaPremium
SBI Card ELITE credit card
Free movie tickets every month, 5X on dining and grocery, 14 lounge visits.
Personal score34/100● Weak fit
Recurring net savings−₹117/yrafter fee, GST and caps · bills paid in full
First-year value₹4,383incl. ₹4,500 welcome, ₹5,899 joining fee
Effective savings rate-0.0%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)You pay ₹5,899waiver at ₹10,00,000 spend
Lounge access✈8 dom🌏6 intlyou can use 2 of your visits
Source: SBI Card – ELITE · last reviewed 2026-09-12
Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.
Why it fits – and what to watch
hover any tile for the detail₹2,136/yr5X on dining, departmental stores, grocery
₹2,500/yr1 milestone unlocked
−₹5,899Fee you pay
2/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)
! You pay the ₹5,899 annual fee (incl. GST) – waiver needs ₹10,00,000 spend.
Where the money comes from
−₹117/yr · -0.0%5X on dining, departmental stores, groceryon ₹85,440₹2,136
Base rate 0.5% on other spendson ₹1,57,200₹786
Excluded categories (no rewards)on ₹84,000₹0
10,000 RP at ₹3Lmilestone₹2,500
Fuel surcharge waiver₹360
Renewal fee incl. GSTyou pay it−₹5,899
◻︎ 10,000 RP at ₹4L · needs ₹4,00,000/year◻︎ 15,000 RP at ₹5L · needs ₹5,00,000/year◻︎ 15,000 RP at ₹8L · needs ₹8,00,000/year
UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).
How the score of 34 is built
weights total 100% · methodologyNet savings rate0/100 × 55%0.0
Usable lounge access100/100 × 15%15.0
Redemption flexibility60/100 × 10%6.0
Lifestyle fit100/100 × 10%10.0
Simplicity40/100 × 5%2.0
Fee safety20/100 × 5%1.0
Airport lounges with this card
Open Lounge Finder →42airports in India
64lounges you can enter
2 per quarterdomestic
6 per yearinternational
How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.
DEL Delhi 6 lounges
- ✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
- 🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
- ✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
- ✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified
HYD Hyderabad 4 lounges
- ✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
- ✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
- 🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
- 🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk
BOM Mumbai 4 lounges
- ✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- ✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
- ✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified
BLR Bengaluru 3 lounges
- ✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
- 🌏T2 080 International Lounge BIAL · via Priority Pass verified
- ✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
MAA Chennai 3 lounges
- ✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
- ✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
AMD Ahmedabad 2 lounges
- ✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified
ATQ Amritsar 2 lounges
- ✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
- 🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk
GOX Goa (Mopa) 2 lounges
- ✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
- 🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk
COK Kochi 2 lounges
- ✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
- 🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified
CCU Kolkata 2 lounges
- ✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
- 🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified
LKO Lucknow 2 lounges
- ✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk
TRV Thiruvananthapuram 2 lounges
- ✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
- 🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk
+ 30 more airports in the Lounge Finder.
Card facts
💳 Base earn0.5%value on eligible spend
⚡ Accelerated2.5% 5X on dining, departmental…
🚫 No rewards onfuelrentutilitiesinsuranceeducation
🏷️ Fees₹5,899/yr incl. GSTwaived on ₹10,00,000 spend · joining ₹4,999
🎁 Welcome (year 1)≈ ₹4,500₹5,000 e-gift voucher on fee payment
🏁 Milestones₹2,500 @ ₹3,00,000/year₹2,500 @ ₹4,00,000/year₹3,750 @ ₹5,00,000/year₹3,750 @ ₹8,00,000/year
✈️ Lounge✈2/qtr dom🌏6/yr intl8 domestic + 6 Priority Pass
🌏 Forex markup1.99%+ GST on the markup
🔁 Redemption₹0.25/SBI Reward Points ★★★☆☆1 RP = ₹0.25 on vouchers/statement.
🧩 Simplicity★★☆☆☆needs active management
🎯 Lifestylemoviesconciergefuel waiverinsurance cover₹6,000 of free movie tickets a year (₹500/month, BookMyShow)
🪪 EligibilityIncome ₹12L+/yr
At a glance
- Movie tickets worth ₹6,000 a year
- Low 1.99% forex markup
- 14 lounge visits
- Points worth just ₹0.25
- Fee waiver needs ₹10L
- Milestones needed to justify the fee
Community Q&A on the SBI Card ELITE
Threaded questions from cardholders · the Advisor can add a computed answer.
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Frequently asked questions
What is the annual fee of the SBI Card SBI Card ELITE?
Joining fee ₹4,999 and renewal fee ₹4,999, plus 18% GST (₹5,899 a year). The renewal fee is waived if you spend ₹10,00,000 in the card year.
Does the SBI Card ELITE give airport lounge access?
8 domestic + 6 international/yr. 8 domestic + 6 Priority Pass.
How much can I save with the SBI Card ELITE?
For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is −₹117 a year, an effective savings rate of -0.0% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.
What are the SBI Card ELITE's reward exclusions and caps?
No rewards on fuel, rent, utilities, insurance, education. 5X on dining, departmental stores, grocery: capped at ₹1,875 a month
Sources
Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.