What is Annual Fee and Renewal Fee of the card?

The Annual Fee of the card is Rs. 2,999 + taxes. The Renewal Fee is Rs. 2,999 + taxes from second year onwards

Can I use my card internationally?

Yes, you can use your SBI Card ELITE in over 24 million outlets across the globe, including 3,25,000 outlets in India. You can withdraw cash from over 1 million Visa or Mastercard or American Express ATMs across the globe.

How can I apply for the card?

You can apply for an SBI Credit Card through our Website sbicard.com or via our Chatbot ILA. Alternatively, you can call SBI Card Helpline 39 02 02 02 (prefix your city STD code) or visit the nearest SBI branch

Credit Cards

State Bank of IndiaVISA

SBI Card PRIME

LifestylePremiumVisaMastercardAmerican ExpressRuPay

SBI Card PRIME

Premium lifestyle rewards with complimentary lounge access

Annual fee₹2,999Waived on ₹3.0L spend

Rewards2.00%2 Reward Point per ₹100

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹3,000

e-Gift Voucher worth ₹3,000

Type: Voucher
Partner: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Rewards

Base earn rate

Earn 2 reward points per ₹100 on all other retail spends, except fuel

Excludes: Fuel

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Earn a Pizza Hut e-Voucher worth Rs. 1,000 on quarterly spends of Rs. 50,000 (Prime Pro cardholders: Voucher worth Rs. 500 on the same spends). Renewal fee waived on annual spends of Rs. 3 lakhs. E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 lakhs.

Lounge access

Domestic

8visits / year

Max 2 per quarter

VisaMastercardAmerican ExpressRuPay

SBI Network-Partner Lounge Program (Visa/RuPay/Mastercard) lounge programme →

International

Priority Pass

4complimentary visits

Membership value USD 99

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹2,999 + taxes
Annual / renewal fee: ₹2,999 + taxes
Annual fee waiver: Renewal fee waived on annual spends of ₹3 lakhs
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

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

Insurance covers

Air accident

₹50L

Complimentary air accident liability cover of Rs. 50 lakhs

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

Lost card liability

₹1L

Eligibility

Salaried: minimum ₹40,000/month income. Self-employed: 2+ years of filed ITR showing equivalent annual income. Age 21–65. CIBIL 700+ recommended.

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Utility bill payment facility
FlexiPay - Convert purchases to EMI
Balance transfer on EMI

No rewards on

Fuel

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Birthday spends — 5% back

0% of spend100% of spend

Utility bill standing instructions — 5% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.5% base rate.

Rewards / year

₹12,450

≈ 2.08% effective

Annual fee

₹0 (waived)

waived at ₹3,00,000/yr spend

Net steady-state return

+₹12,450/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹12,450 a year.

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One-time joining fee (year 1 only): ₹2,999

One-time welcome benefit: ~₹3,000 — e-Gift Voucher (Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra) worth `3,000, chosen in multiples of Rs.1000; issued only after payment/realisation of annual fee.

Based on published rates as of 2026-08-07; assumes 1 Reward Point = Rs. 0.25 per SBI Card's standard rewards catalogue/statement-credit redemption (issuer states 6,000 RP = Rs 1,500). PRIME T&C booklet itself states no rupee value, deferring to the Shop-and-Smile catalogue.. Rewards estimates, not guarantees.