एसबीआई कार्ड एलीट एडवांटेज
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Secured luxury credit card issued against SBI Fixed Deposit offering ₹5,000 welcome voucher, 6 international Priority Pass visits, and 1.99% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI Card ELITE Advantage is the secured/deposit-backed twin of the flagship ELITE card, designed for affluent entrepreneurs, foreign nationals, or individuals who prefer collateral-backed banking (SBI Fixed Deposit) while enjoying the full luxury perks of the ELITE program.
e-Gift Voucher worth ₹5,000 from choice of luxury brands (Yatra.com, Hush Puppies, Shoppers Stop, Pantaloons).
6 complimentary international lounge visits per year outside India via Priority Pass (max 2/quarter). 8 complimentary domestic airport lounge visits per year (max 2/quarter).
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (maximum ₹250 per statement cycle).
Free movie tickets worth ₹6,000 per year (up to 2 tickets per month worth ₹250 each on BookMyShow). Up to 50,000 bonus Reward Points on spend milestones.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Individuals aged 21 to 70 years holding an active SBI Fixed Deposit of ₹50,000 or higher.
न्यूनतम वार्षिक आय आवश्यकता
Secured against SBI Fixed Deposit (₹50,000+); zero income proof required
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Aadhaar Card 3. SBI Fixed Deposit Advice copy.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Requires lien-marking an SBI Fixed Deposit (₹50,000+). Cannot liquidate the deposit while the card is active. Movie ticket benefit requires booking at least 2 tickets simultaneously.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI Card ELITE Advantage. Step 2: Select card and check instant eligibility (soft pull with zero impact on CIBIL credit score). Step 3: Fill online application form with personal, residence, and occupational details (takes 5–10 minutes). Step 4: Upload required KYC documents (Aadhaar, PAN, and latest salary slip/ITR proof). Step 5: Complete digital verification via online Video KYC (or schedule branch verification for first-time applicants). Step 6: Card dispatched within 5–7 working days via secure speed post; activate via SMS or SBI Card App.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on SBI Card ELITE Advantage?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil up to ₹500; ₹400 for ₹501–₹1,000; ₹750 for ₹1,001–₹10,000; ₹950 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,300 for above ₹50,000.. In addition, revolving finance charges at Up to 3.50% per month (42.00% per annum). will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on SBI Card ELITE Advantage into EMI?
Yes, State Bank of India (SBI Card) provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on SBI Card ELITE Advantage?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into State Bank of India (SBI Card)'s official mobile banking application or web portal. 4 Reward Points = ₹1.00 (1 Reward Point = ₹0.25). Please note: Points expire 24 months from date of accrual.
What is the interest-free grace period on SBI Card ELITE Advantage and how does it work?
The interest-free period on SBI Card ELITE Advantage is 20 to 50 days.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (Up to 3.50% per month (42.00% per annum).) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.