Fees
Annual feeINR 4,999 + GST
Joining feeINR 4,999 + GST
Renewal feeINR 4,999 + GST
Fee waiverAnnual spend of INR 10 lakh in previous year
Spend waiverSpend INR 10,00,000 in 12 months
Interest rate3.75% per month (45% per annum)
Late paymentINR 400-INR 1,300 (based on amount due)
Forex markup1.99%
Cash advance2.5% of amount (min INR 500)
Eligibility
Min income (salaried)INR 60,000/month
Min income (self-emp.)INR 9 - INR 12 lakh/year
Credit score750 - 800 (CIBIL score)
Age range21 to 60
Employment typeBoth
Resident typeIndian Resident
Rewards & cashback
Accelerated rateYes - 5X on dining, groceries, department stores; 2X on international
Redemption optionsGift Vouchers, Flights & Hotels, Merchandise, Air Miles / Airline Conversion, Bank's own online redemption store
Points expiry2 Years
Travel & lounge
Domestic lounge8 visits/year (max 2/quarter) at domestic airports; spend-gated INR 75,000 prior quarter from Jan-2026
International lounge6 visits/year via Priority Pass
Lounge conditionsNo spend condition — entry via SBI card swipe at lounge POS (new programme eff. Jan 10, 2026; ELITE qualifies for Set A premium lounges)
Insurance coverageYes
Hotel/flight offers10% - 15%
ConciergeYes
Forex waiver1.0% or Lower
Lifestyle
Fuel surchargeYes
OTT subscriptionsNo
E-commerce offersYes
AdditionalReward point statement redemption capped at 60,000 points/month (eff. April 1, 2026); redemptions in multiples of 4,000 points only.
Credit limit & EMI
Max limitINR 5 - INR 10 lakh
Cash withdrawal20% - 40%
EMI conversionPost-purchase
Min EMI amountINR 2,500 - INR 3,000
BT interest rate1% per month
Insurance & protection
Purchase protectionYes
Digital & security
Virtual cardYes
App featuresReal-time Spend Alerts, Card Lock/Unlock, Set/Modify Limits, View Statements & Due Dates, Convert to Equated Monthly Instalment (EMI), Rewards Tracking & Redemption, Autopay Setup, Download Credit Card Statement, Raise Service Requests, Spend Analyzer, Block Lost/Stolen Card, Virtual Card View
Card controlsBlock/Unblock Card, Enable/Disable International Usage, Enable/Disable Online Transactions, Enable/Disable Contactless (Near-Field Communication (NFC)), Automated Teller Machine (ATM) Withdrawal Toggle, Set Transaction Limits, Card PIN Reset, Report Lost/Stolen Card, View/Generate Virtual Card
Fraud protectionReal-time Transaction Alerts, AI-Based Risk Monitoring, Tokenization (RBI Mandated), OTP for Online Transactions, Instant Card Block Option, Zero Liability Guarantee
Zero liabilityZero liability if fraud reported within 3 working days
WhatsApp supportYes