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SBI Card ELITE
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SBI CardIndia

SBI Card ELITE

Annual Fee
₹4,999/ year

A widely-issued premium SBI card with a low 1.99% forex and Priority Pass — popular among first-time premium cardholders.

This credit card includes airport lounge access through participating lounge programs. Access eligibility, guest policies, and lounge availability vary by airport and may change over time. Credit card lounge access is not guaranteed and may be subject to capacity limits or restrictions. Learn how credit cards provide lounge access. In summary, lounge access depends on your card, the lounge network, and the specific airport. Learn more about airport lounges.

Last reviewed: . Card information is reviewed against the issuer's official benefit pages periodically; verify all terms on the issuer's site before applying.

The Good

  • 1.99% forex (well below 3.5% standard)
  • ₹5,000 welcome voucher options
  • Free movie tickets every month (24/year)
  • Solid 6 international + 8 domestic lounge visits/year
  • Strong fee waiver threshold at ₹10L spend

The Bad

  • Lounge visits are quarterly-capped, not unlimited
  • ₹4,999 + GST annual fee
  • Reward Points worth ₹0.25 each (modest)
  • Spend milestone bonuses require very high spend

Lounge Access

1 lounge network included

Guest Policy

6 international Priority Pass visits per year (max 2 per quarter); 2 domestic per quarter

Purchase APR

3.5% per month (42% p.a.)

Credit Score

Good/Excellent (CIBIL 750+)

Limited Time Offer

₹5,000 e-Gift Voucher Welcome

Offer Terms & Eligibility:

Yatra, Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Marks & Spencer voucher.

Lounge Networks

1 Included
Priority Pass
Included

Additional Travel Perks

₹5,000 e-Gift Voucher Welcome Benefit (Yatra/Bata/Pantaloons/Shoppers Stop/Marks & Spencer)
6 Complimentary International Priority Pass Visits per Year
2 Complimentary Domestic Lounge Visits per Quarter
2 Free BookMyShow Tickets Monthly (up to ₹250 each)
Low 1.99% Forex Markup
1% Fuel Surcharge Waiver (₹500-₹4,000 transactions, up to ₹250/month)
Trident Privilege Red Tier Membership
Up to 25,000 Reward Points on Hitting Spend Milestones
Annual Fee Waived at ₹10 Lakh Annual Spend

Lounges SBI Card ELITE Opens

339 lounges tracked across 172 airports, derived from this card's network coverage.

Showing top 12 airports by lounge count. 160 more airports also have at least one lounge this card opens.

Coverage is derived from the lounge networks listed on this card and the lounges AirportLounge.com tracks. Specific lounge access can change without notice; verify on the operator's app or site before you travel.

*Card information is accurate as of 2026. Annual fees and benefits are subject to change by the issuer. Please verify all terms and conditions on the issuer's website before applying.

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