Can I replace my SBI Elite Credit Card if it is lost abroad?

Yes, emergency card replacement is available worldwide for VISA and Mastercard holders. A 24/7 helpline ensures assistance even when travelling overseas.

What fraud liability cover does the SBI Elite Credit Card provide?

The SBI Elite Credit Card offers complimentary fraud liability insurance of ₹1 lakh, covering 48 hours before reporting loss and up to 7 days after reporting.

Does the SBI Elite Credit Card offer EMI conversion on purchases?

Yes, any purchase of ₹2,500 or more can be converted into easy EMIs through the Flexipay facility within 30 days of the transaction.

Can I transfer balances from other bank credit cards?

Yes, you can transfer outstanding balances from other cards to your SBI Elite Card and repay conveniently through EMI at a lower interest rate.

Is there insurance cover with the Elite Card?

The complimentary air accident insurance of ₹1,00,00,000 was discontinued from 15 July 2025 as per the updated policy.

SBI Elite Credit Card: Benefits, Fees and Eligibility

Name: SBI Elite Credit Card
Brand: Credit Card
Rating: 4.7 (13689 reviews)

Want to start your credit card journey with a gift in hand? The SBI Elite Credit Card welcomes you with an exclusive e-gift voucher worth ₹5,000. Whether you dream of upgrading your wardrobe, booking a holiday or indulging in lifestyle brands, you can have it all!

More than just a card, it opens the door to experiences, rewards and privileges designed for your lifestyle.

SBI Elite Card Benefits

Enjoy free movie tickets worth up to ₹6,000 every year (₹250 off per ticket, 2 tickets per month).
Earn up to 50,000 bonus reward points annually (worth ₹12,500) on achieving spending milestones.
Get 5X reward points on dining, departmental store and grocery spends, plus 2 reward points per ₹100 on other purchases (except fuel).
6 free international lounge visits per year and 2 complimentary domestic lounge visits every quarter.
Pay just 1.99% foreign currency mark-up on international transactions and earn 2 reward points per ₹100 spent abroad.
Access personalised services such as gift delivery, flower delivery and even online doctor consultation.
Use your card at over 24 million outlets worldwide, including more than 3,25,000 outlets in India.
Get a 1% fuel surcharge waiver on transactions of ₹500–₹4,000, up to ₹250 per billing cycle.

SBI Elite Credit Card Fees and Charges

Fees and Charges	Amount
Joining Fee	₹4,999
Renewal Fee	₹4,999 Waived if annual spending is ₹10,00,000 or more
Add-on Card Fee	Nil
Finance Charges	Up to 3.5% monthly (42% p.a.)
Late Payment Charges	Nil for dues up to ₹500 ₹400 to ₹1,300 depending on the outstanding amount
Card Replacement Fee	₹100 - ₹250

SBI Elite Credit Card Eligibility

Your eligibility depends on different factors, which are verified during the application process. However, some basic conditions include:

Age: Minimum 21 years and maximum 70 years
Occupation: Salaried or self-employed
Income: Must have a steady and regular source of income
Credit Score: A good credit history is preferred

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Download the Stable Money app and begin your credit journey with an FD-backed, secured credit card.

Documents Required to Apply for Elite SBI Card

Identity Proof: PAN Card
Address Proof: Aadhaar Card or any valid government-issued address proof
Income Proof (if required): Latest salary slip, bank statement or Income Tax Return documents

Application Process of SBI Elite Credit Card

You can apply online or offline:

Offline Process

Visit your nearest SBI branch
Meet a bank representative and fill out the application form
Submit the required KYC and income documents

Online Process

Visit the official SBI Card website
Click on ‘Apply Now’ under the SBI Elite Credit Card
Enter your personal and professional details
Upload the required KYC and income documents
Submit your application

Note: You can track the status of your application anytime from the official website.

The SBI Elite Credit Card blends rewards, travel perks, lifestyle benefits and global acceptance. This makes it a premium choice for those seeking unmatched value and convenience.

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