SBI Elite Credit Card Review – Forbes INDIAN Advisor | Rare Techy


Excessive fuel consumption

  • 1% fuel surcharge will not be charged (government service tax will be charged) up to a maximum of INR 250. After this amount, a surcharge will be applied.

Silver Vistara Club Membership

  • 1 upgrade voucher.
  • 9 Club Vistara points for every INR 100 spent on Vistara flights.
  • Offer valid for primary card holders only.

Milestone benefits

  • There are 10,000 Bonus Reward Points per year on spending between INR 3 to 4 lakh in a year.
  • 15,000 Bonus Rewards Points per year on spend between INR 5 lakh and 8 lakh.
  • No annual fee above INR 10 lakh.

Lounge Access

  • International priority lounges are available four times a year but the cardholder can use a maximum of two visits per three months.
  • Domestic salons in India can be visited eight times in a year but again like international salons this can be used twice every three months.
  • This offer is only available to the primary cardholder.

Trident Privilege Membership

  • Trident Privilege Red Tier membership for SBI Elite credit card users.
  • You get 1000 bonus points on registration.
  • 1,500 bonus points on first stay and additional INR 1,000 hotel credit on extended night stay.

The lowest Forex indicator

  • This card has a minimum foreign currency marking fee of 1.99% on International use.
  • 2 Reward Points on every INR 100 spent on International transactions.

Exclusive Concierge Service

Help with flower delivery, gift delivery, online doctor consultation, among others.

Fraud Liability Cover

  • A guarantee of INR 1 lakh covering any fraudulent purchase on this card is provided by the company.
  • This coverage is valid for a period of 48 hours before reporting until seven days after reporting the loss, any further transactions will be charged.

Air liability cover

  • Air accident liability of INR 1 crore for primary account holder only.
  • This cover is only available for tickets booked with this credit card.

Emergency Card Change

  • You can get a replacement card anywhere in the world. You should only contact the emergency helpline.

Additional cards

This facility is available for parents, spouses, children or siblings over 18 years of age.

Balance transfer on EMIs

Cardholders can transfer the remaining balance of other credit cards to the SBI Elite Credit Card and pay off the money at a lower interest rate for a specified period.


This facility converts payments of INR 2,500 into easy monthly installments within 30 days of purchase. You can transfer a purchase to flexipay by applying on the website.

Features Mastercard / Visa / American Express

SBI Elite Credit Card has three variants and all three provide certain facilities. Below are the facilities that are specific to a particular card.


  • One free lesson per month at selected golf courses across India.
  • Four rounds of free access to green fees (the green fee is the fee golfers pay to access the course).
  • 50% on golf courses.
  • 15% discount on best available room rates and up to 15% discount on food and beverages at Lalit Hotels.


  • Up to 10% discount on Hertz cars.
  • Up to 35% on Avis Car Rentals.
  • Various benefits at 900 luxury hotels worldwide.

American Express

  • American Express Dining Platform: Up to 25% off a variety of dining deals.
  • Tablet plus membership: Access to upgrades and VIP privileges at hotels around the world.


For salaried persons, their age must be between 21-55.

Eligibility must be between 21-70.


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