एसबीआई कार्ड एलीट
जारीकर्ता बैंक / संस्था: State Bank of India (SBI Card)
Luxury lifestyle credit card featuring ₹5,000 welcome voucher, ₹6,000/yr free movie tickets, 6 international Priority Pass visits, 8 domestic lounge visits, and 1.99% forex markup.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
SBI Card ELITE is a luxury premium credit card crafted for high-net-worth individuals (HNIs), senior executives, frequent overseas business travelers, and cinema enthusiasts. It combines ₹6,000 annual movie savings, dual lounge privileges (Priority Pass international + domestic), and a competitive 1.99% foreign currency markup.
e-Gift Voucher worth ₹5,000 from premium partner brands: Yatra.com, Hush Puppies/Bata, Pantaloons, Shoppers Stop, or Aditya Birla Fashion.
6 complimentary international airport lounge visits per calendar year outside India via complimentary Priority Pass Program (max 2 visits per quarter). 8 complimentary domestic airport lounge visits per year in India (max 2 visits per quarter).
1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 at all petrol pumps in India (maximum ₹250 per statement cycle).
Free movie tickets worth ₹6,000 every year (up to 2 tickets per month worth ₹250 each on BookMyShow). Earn up to 50,000 bonus Reward Points (worth ₹12,500) on achieving annual spend milestones of ₹3L, ₹4L, ₹5L, and ₹8L.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
High-income salaried executives and affluent business owners aged 21 to 70 years.
न्यूनतम वार्षिक आय आवश्यकता
₹12,00,000 per annum (Salaried) / ₹15,00,000 per annum (Self-Employed ITR)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card 2. Proof of Identity & Residence (Passport, Aadhaar) 3. Income Proof: Last 3 months' salary slips with Form 16 OR Last 2 years' ITR with computation sheet.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
High annual fee waiver threshold of ₹10 Lakhs. BookMyShow movie benefit requires purchasing at least 2 tickets to claim the ₹250/ticket discount. Guest visits to international lounges via Priority Pass are charged at standard lounge rates.
🚀आवेदन के चरण (How to Apply)
Step 1: Visit sbicard.com/apply or open the YONO SBI app and select SBI Card ELITE. 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?
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 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?
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). Points can be redeemed for air miles (Club Vistara / Air India) or statement credit. Please note: Reward points expire 24 months (2 years) from the date of accrual.
What is the interest-free grace period on SBI Card ELITE and how does it work?
The interest-free period on SBI Card ELITE 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.