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

₹4999 +GST

Return Percentage:

NA

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Credit Card Overview

A premium Elite card from SBI offering milestone shopping vouchers, global lounge access, and lifestyle benefits for affluent users with network benefits of Rupay.

Best Suited For:

SBI logoSBIRuPay

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

Forex markup
1.99%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

SBI Elite (Rupay) credit card — Earn Categories

Other categories

  • Departmental StoresShopping · Shopping10 reward points / ₹100

    Minimum ₹100 per transaction

  • DiningF&B · Dining10 reward points / ₹100

    Minimum ₹100 per transaction

Everyday rate

  • Base Rewards2 Reward Points (reward points) / ₹100

    Minimum ₹100 per transaction

1 more earning category on this card

We track all 4 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Government
  • Rent
  • Wallets
  • EMI
  • Utilities
  • Fuel
  • Digital gaming