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SBI Card
SBI ELITE
🇮🇳 India · SBI Card

SBI ELITE

Mid-premium SBI card with strong club benefits.

4.4 / 5
Joining fee
₹4,999
Annual fee
₹4,999
Top reward
2%
Min income
₹600,000

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5-year value calculator

How much SBI ELITE actually pays you over time, net of annual fees.

50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards12,000
Annual fee4,999
Welcome bonus (year 1 only)+5,000
Fee waiver triggers at 1,000,000 annual spend. You're currently at 600,000. Bump monthly spend to 83,334 to clear it.
Cumulative net value
+40,005
over 5 years
Year 1
12,001
+12,001/yr
Year 2
19,002
+7,001/yr
Year 3
26,003
+7,001/yr
Year 4
33,004
+7,001/yr
Year 5
40,005
+7,001/yr
Year 1 (with bonus)
12,001
Year 2+ (steady state)
7,001/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

Everything else
2%
📈
🎁
Welcome bonus

5,000 bonus reward points + ₹5,000 e-gift voucher

What you get

  • 2 reward points per ₹100
  • Free movie tickets (BookMyShow) up to ₹6K/year
  • 6 international + 8 domestic lounge visits/year
  • Club Vistara Silver + Trident Privilege Red
  • Milestone benefits at ₹3L, ₹4L, ₹5L

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income
₹600,000
Min credit score
770+
Self-employed
Eligible