SBI Card ELITE
SBI · Premium · Visa/MC/Amex
Annual Fee
₹4,999
Fee Waiver
₹10L annual spend
Lounge Access
14/year
Best Rate
2.5%
Network
Visa/MC/Amex
✅ Data verified March 2026
Reward Rates by Category
🍽️Dining
2.5%
🥦Groceries
2.5%
🎬Entertainment
2.5%
🛍️Shopping
2.5%
✈️Travel
1%
🛒Online Shopping
1%
💡Utilities
1%
⛽Fuel
0%
How Points Work
5x (2.5%) dining/grocery/dept stores, 2x (1%) other · 1pt = ₹0.50 · Fuel 1% surcharge waiver
💡
Redemption matters
Point value ₹0.50 (higher than most SBI cards). Real value is BookMyShow BOGO (2 tickets/month) — worth ₹300-600/mo for regular moviegoers.
🚀 Boosted Rates (Partners & SmartBuy)
BookMyShowBuy 1 Get 1 (2/month)
Dining/grocery/dept stores5x = 2.5%
These rates apply when using specific platforms or partners — higher than the base category rate shown above.
Key Benefits
Movie BOGO BookMyShow2.5% dining/grocery14 lounge visits/yrMilestone rewards
PROS
✅ 2.5% on dining/grocery/dept stores
✅ Movie BOGO excellent value
✅ 14 lounge visits
CONS
⚠️ ₹4,999 fee (waiver needs ₹10L)
⚠️ Only 1% on other spends
⚠️ High fee waiver threshold
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