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    SBI ELITE Credit Card

    The SBI Card ELITE is a premium credit card that caters to the needs of frequent travellers and high spenders. This card, offered by SBI Card, is part of their lifestyle segment and comes with a wide array of benefits and features designed to enhance your travel, dining, and shopping experiences.

    With an annual membership fee of ₹4,999, the SBI Card ELITE provides a comprehensive package of rewards, discounts, and exclusive privileges, making it a valuable asset for those who frequently use credit cards for various expenses. Let's delve into the benefits and features that make the SBI Card ELITE stand out.

    Key Features and Benefits of Credit Cards

    Credit cards offer several valuable features and perks. Some of the key credit card benefits include:

    • 25% cashback* on Airtel Mobile, Broadband, Wi‑Fi, and DTH bill payments made through the Airtel App
    • 10% cashback* on utility bill payments (electricity, gas, water) made via the Airtel App only
    • 10% Value Back* on online transactions at Zomato, Blinkit, and District Movies, with a minimum order value of ₹499
    • 1% cashback* on all other eligible spends

    *T&C apply .

    Fees and Charges of SBI Card ELITE


    Fee Type

    Amount

    Joining Fee

    ₹4,999

    Annual Fee

    ₹4,999

    Add-on Card Fee

    Free

    Cash Withdrawal Fee

    2.50%

    Foreign Transaction Fee

    1.99%

    Fuel Surcharge Waiver

    1% (max ₹250 per statement cycle)

    Card Replacement Fee

    ₹100

    Minimum Repayment Amount

    5%

    Finance Charges

    42% p.a.

    Cash Advance Limit

    80%

    While the SBI Card ELITE has a joining fee and annual fee of ₹4,999 each, it offers a host of benefits that can offset these costs for frequent users. The low foreign transaction fee and fuel surcharge waiver are particularly attractive for those who travel or drive often.

    Eligibility of SBI Card ELITE


    To be eligible for the SBI Card ELITE, applicants must meet the following criteria:

    • Age Requirement: Applicants must be between 18 and 70 years old.
    • Citizenship: The applicant must be a citizen of India.
    • Documentation: Required documents include proof of identity, address proof, and income proof.
    • Additional Criteria: Other eligibility criteria may be applied as per the bank's regulations.

    Meeting these eligibility requirements is essential for those interested in applying for the SBI Card ELITE.

    Card Activation Process

    To activate your SBI Card ELITE, you can choose from several convenient methods:

    • Online Activation:
      • Visit the official SBI Card website and log in to your account.
      • Navigate to the 'Card Activation' section and enter the required details.
      • Follow the on-screen instructions to complete the activation process.
    • Offline Activation:
      • Call the SBI Card customer service helpline at 1860 180 1290 or 39020202 (local call charges applicable).
      • Provide the necessary details to the customer service representative to activate your card.
      • Alternatively, you can send an SMS to activate your card, with the specific format available on the SBI Card website or in the welcome kit.
    • Through SBI Mobile App:
      • Download and install the SBI Card mobile app if you haven't already.
      • Log in to the app using your credentials and go to the 'Card Services' or 'Card Activation' section.
      • Follow the prompts to activate your card.

    Once your SBI Card ELITE is activated, you can start enjoying its benefits, including the ability to earn and redeem reward points.

    How to Redeem the Points

    As an SBI Card ELITE holder, you can easily redeem your reward points through various channels:

    • Redemption Against Gift Vouchers:
      • Browse the available gift vouchers from partner brands on the SBI Card website or mobile app.
      • Select the desired voucher and redeem your points accordingly. Each reward point is equivalent to Rs. 0.25.
    • Redemption Against Outstanding Balance:
      • Log in to your SBI Card account online or through the mobile app.
      • Navigate to the 'Reward Points' section and opt to redeem points against your outstanding balance. Each reward point is worth Rs. 0.25.
    • Other Redemption Options:
      • Check the SBI Card website or contact customer service for specific redemption offers and partners.

    By utilising these redemption methods, you can make the most of your accumulated reward points and enjoy the benefits of being an SBI Card ELITE cardholder.

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