Key Features & Benefits
- ✦5X Reward Points on dining, grocery & departmental stores (2.5% rate)
- ✦2 Reward Points per ₹100 on all other eligible spends (0.5%)
- ✦2 free movie tickets per month via BookMyShow (up to ₹250 each = ₹6,000/year)
- ✦12 complimentary domestic lounge visits per year
- ✦6 complimentary international lounge visits via Priority Pass
- ✦Complimentary Club Vistara Silver membership (now Air India tier equivalent)
- ✦Complimentary Trident Privilege membership
- ✦Up to 50,000 bonus Reward Points annually via milestone spend
- ✦1.99% forex markup — SBI's best forex rate on non-AURUM cards
- ✦Annual fee waiver on ₹10L spend
- ✦Comprehensive travel insurance cover
- ✦1% fuel surcharge waiver
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Welcome & Joining Benefits
- ✦E-gift voucher worth ₹5,000 from Yatra / Bata / Pantaloons / Shoppers Stop / Aditya Birla Fashion
Milestone Benefits
- ✦₹3L annual spend → 10,000 bonus Reward Points
- ✦₹4L annual spend → 15,000 bonus Reward Points (cumulative)
- ✦₹5L annual spend → 25,000 bonus Reward Points (cumulative)
- ✦₹10L annual spend → Annual fee (₹4,999) waived
Pros & Cons
✓ Advantages
- ✓Free movies worth ₹6,000/year — best entertainment benefit in this segment
- ✓1.99% forex markup — among lowest for a ₹5K fee card
- ✓Club Vistara Silver → airline benefits (priority boarding, extra baggage)
- ✓Milestone rewards can offset fee multiple times over
- ✓12 domestic + 6 international lounge visits — generous allocation
✗ Disadvantages
- ✗₹4,999 annual fee is significant
- ✗Annual fee waiver needs ₹10L spend — high threshold
- ✗5X restricted to dining/grocery/departmental — not all categories
- ✗Reward Points expire after 2 years
Frequently Asked Questions
How do the free movie tickets work?▼
ELITE cardholders get 2 complimentary BookMyShow tickets per month (max ₹250 discount per ticket). Book any movie on BookMyShow and pay with ELITE — the ₹250 discount applies automatically. That's ₹6,000 in movie savings annually.
Is Club Vistara membership still active after the Vistara-Air India merger?▼
Post the Air India and Vistara merger in 2024, Club Vistara transitioned to Air India's Flying Returns program. SBI ELITE now provides equivalent Air India tier benefits. Check SBI Card's current website for the latest status.
What is Trident Privilege?▼
Trident Privilege is Trident Hotels' loyalty program offering complimentary room upgrades, early check-in, late checkout, and dining discounts at Trident & Oberoi properties. Complimentary Silver membership gives 10% off dining.
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