8 complimentary domestic lounge visits per year (2 per quarter) plus 6 international visits via Priority Pass.
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SBI Card ELITE
SBI's lifestyle card leads with a free movie-ticket benefit and a Rs.5,000 welcome voucher that roughly offsets its Rs.4,999 fee in year one, plus complimentary lounge access. Base earning is thin at about 0.5%, climbing to 2.5% on accelerated categories, so this card is about perks and entertainment, not raw rewards, a points-focused card out-earns it on plain spending. If your family actually uses the monthly movie credit and the lounges, the value adds up fast; if you don't, you're paying a high fee for benefits you'll ignore. The 3.5% foreign markup and roughly 42% APR rule it out for travel or carrying balances. Confirm the current movie benefit and voucher with SBI Card.
⟳ Rates & fees verified June 2026 — always confirm the current terms on the issuer's official site before applying.
What you earn
- ✓A Rs.5,000 welcome e-gift voucher that offsets the fee
- ✓5X Reward Points on dining, departmental stores, grocery and movies
- ✓Movie tickets worth as much as Rs.6,000 each year through BookMyShow
- ✓As much as 50,000 bonus Reward Points a year for hitting spend milestones
- ✓Complimentary Club Vistara and Trident Privilege memberships
👍 Pros
- + The welcome voucher essentially covers the first-year cost
- + A generous yearly movie ticket benefit
- + Lounge entry both at home and overseas
- + Milestone bonus points contribute solid value
👎 Cons
- – The base reward rate is low outside the accelerated categories
- – A high annual fee next to mid-tier competitors
- – Reward point redemption value is modest
Can you get it?
- ▸Indian resident, whether salaried or self-employed
- ▸A CIBIL score of 750 or above is advisable
- ▸A steady monthly income that meets SBI Card's criteria
- ▸A valid PAN along with KYC documents
Requirements are general guidance — the issuer makes the final decision. Learn more about card requirements →
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