Premium rewards with annual fee waiver at ₹10L spend
Welcome e-Gift Voucher worth ₹5,000
Base earn rate
2 Reward Points per ₹100 on all other spends, except fuel
ELITE Rewards
Excludes: Fuel
| Category | Rate | Cap |
|---|---|---|
| Dining | — | — |
| Departmental Stores | — | — |
| Grocery | — | — |
| International | — | — |
Up to 50,000 Bonus Reward Points worth Rs. 12,500 every year. 10,000 Bonus Reward Points on annual spends of Rs. 3 lakhs and 4 lakhs. 15,000 Bonus Reward Points on annual spends of Rs. 5 lakhs and 8 lakhs. Spend based reversal of Annual Fee on spends of Rs. 10 lakhs
Domestic
8visits / year
International
Priority Pass6complimentary visits
Late payment
| Outstanding amount | Late fee |
|---|---|
| ₹0 – ₹100 | Nil |
| ₹100 – ₹500 | ₹100 |
| ₹500 – ₹1,000 | ₹500 |
| ₹1,000 – ₹10,000 | ₹750 |
| ₹10,000 – ₹25,000 | ₹950 |
| ₹25,000 – ₹50,000 | ₹1,100 |
| Above ₹50,000 | ₹1,300 |
Fraud liability
₹1L
Complimentary credit card fraud liability cover of Rs. 1 lakh. Coverage applies from 48 hours before reporting the loss up to 7 days after reporting
Indian resident, age 21–65, salaried with ₹60,000+/month or self-employed with stable income. Good credit history (CIBIL 750+ recommended).
Additional features
No rewards on
Fuel
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State Bank of India🔒 Secure & Free
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State Bank of India🔒 Secure & Free
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