SBI Elite (Mastercard) credit card credit card
Joining Fee:

₹4999 +GST

Return Percentage:

2% to 5%

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Credit Card Overview

An Elite Mastercard variant offering premium travel and shopping rewards, milestone benefits, and global acceptance.

Best Suited For: Experience, Travel Booking, Hotel Transfer, Pay by Points

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Fees and charges at a glance

Annual fee
₹4,999

Charged every year you keep the card

Joining fee
₹4,999

Paid once when you get the card, plus GST

Reward rate
2% to 5%

Depends where you spend

Forex markup
1.99%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

SBI Elite (Mastercard) credit card — Lounge Access

Domestic lounge

2 per quarterquarter
  • No explicit spend condition