SBI Card ELITE Advantage
SBI About This Card
The SBI Card ELITE Advantage is a premium credit card from SBI with an annual fee of ₹4,999. It offers a base reward rate of 0.5% with up to 5.0% on select categories. Key perks include 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and dining enthusiasts.
Pros & Cons
Pros
- Low forex markup at 1.99%
- Generous lounge access benefits
- Fuel surcharge waiver saves on petrol/diesel
- Easy EMI conversion on purchases
Cons
- ₹4,999 annual fee may not suit light spenders
- Income eligibility: ₹9L+ per annum
- Below-average base reward rate
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + Annual fee ₹4,999 (waiver: Spend ₹5L/year)
- + Up to 5.0% rewards on accelerated categories
- + 8 complimentary domestic lounge visits/year
- + 4 international lounge visits/year
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