How to Apply for the SBI Elite Credit Card in 2026
Apply for the SBI Elite Credit Card with 5X reward points on dining and 2X on retail. Income thresholds, eligibility, and full application walkthrough.
FinWiz24 Editorial
The SBI Elite Credit Card is a premium lifestyle card with 5X reward points on dining, movies, and grocery, 2X on all other retail, 6 domestic + 6 international lounge visits per year, and a milestone voucher of ₹5,000 on spends of ₹4 lakh in a year. The annual fee is ₹4,999, waived on ₹10 lakh spends.
Why this matters
SBI Elite is the most premium card in the regular SBI Card portfolio (excluding Aurum). The 5X on dining, movies, and grocery is generous, and the 6+6 lounge visits cover most moderate travellers. The ₹5,000 milestone voucher is a useful bonus for high spenders.
Related cards
How to Apply for the SBI Elite Credit Card in 2026
Common mistakes to avoid
The 5X is restricted to offline POS transactions — Swiggy and Zomato do not qualify. The 6+6 lounge visits are via Dreamfolks — register before your first travel. The annual fee of ₹4,999 is only waived on ₹10 lakh spends, which is high.
Pro tips
- Use SBI Elite for offline dining and grocery to maximise 5X
- Pair with SBI SimplyCLICK for online shopping
- Register on Dreamfolks and link the card before your first trip
- Consider Aurum if you want 5X on travel and dining
Frequently asked questions
What is the annual fee on SBI Elite?
₹4,999 + GST, waived on ₹10 lakh spends in the previous 12 months.
How many lounge visits are included?
6 domestic + 6 international per year via Dreamfolks.
Does the 5X apply to Swiggy?
No. The 5X is restricted to offline POS transactions.
Material Connection: Some of the links in this content may be affiliate links, meaning we may earn a commission at no extra cost to you if you apply through our links.
Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.