SBI Card Elite Business

SBI Card Elite Business is an all round premium credit card which provides offers and benefits on multiple categories like travel, movies etc. The annual fee for the card is comparatively higher at Rs. 4,999 and comes with benefits like complimentary membership to Club Vistara and Priority Pass Program. SBI Card Elite Business is a card with great returns for people who are high spenders.

  • Sure Card
  • SBI Card Elite Business
Features Sure CardSBI Card Elite Business
EligibilityEveryone 18+Generally for the self-employed or business owners.
Approval100%Not guaranteed, not transparent
Joining FeesNILRs. 5898.82 (Rs. 4999 + 18% GST)
Annual FeesNILRs. 5898.82 (Rs. 4999 + 18% GST)
Interest Rate10-14%Upto 3.50% per month (42% per annum)
Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500
Over-limit ChargesNo over-limit transactions2.5% of the overlimit amount; minimum of Rs. 600
Late payment chargesNILFrom Rs.0 to Rs.500 - Nil More than Rs.500 up to Rs.1,000 - Rs.400 More than Rs.1,000 up to Rs.10,000 - Rs.750 More than Rs.10,000 up to Rs.25,000 - Rs.950 More than Rs.25,000 up to Rs.50,000 - Rs.1,100 More than Rs.50,000 - Rs.1,300
Card replacement feeNILRs. 100 to Rs. 250
Fuel SurchargeNIL1% of purchase amount. 1% surcharge waiver (excluding all applicable taxes wherever applicable + other charges) for single transaction spends between Rs. 500 and Rs. 4000
Foreign Currency TransactionNIL1.99%
Minimum Amount DuePay in Full5% of total outstanding amount Minimum of Rs.200 + applicable taxes
Rewards10 points for every Rs.100/- transaction for everyone, everywhere.5X Reward Points on Dining, Utility Bills payments and Office supplies and 2 Reward Points per Rs. 100 on all other spends except fuel. 10 reward points per Rs. 100at Metro Cash and Carry stores. INR 750 off on flight bookings and 20% off on hotel bookings from Yatra Business. Welcome e-gift voucher worth Rs. 5000 for brands like Yatra for business, Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion and Shoppers Stop on payment of joining fees. Complimentary movie tickets valid for two tickets per month. Access to International Priority Pass and Mastercard lounges. Complimentary Club Vistara Silver Membership.
Referral RewardYesYes, but subject to approval
Anniversary RewardYesNo
Birthday RewardYesNo
ChargebackSimple online formMail printed and signed form
Privacy and SecurityYour data is not used and not soldContactless Card. Complimentary credit card Fraud Liability Cover of Rs. 2 lacs with the Organisation level limit of 20 Lacs.
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SBI Card Elite Business vs. SURE Card

The SBI Card Elite Business offers milestone benefits in the form of 50,000 bonus reward points worth Rs. 12,500 per year and 10,000 bonus reward points for annual spending of Rs 3 and 4 lakh. Under the International Priority Pass Lounge Access, it offers 6 visits per year, 2 in a quarter. For Mastercard Lounge Access in India, it provides 8 complimentary visits per year, maximum 2 visits per quarter. The SBI Card Elite Business also gives a complimentary Club Vistara Silver membership under which, the member gets 1 complimentary lounge access voucher and an upgrade voucher. The member also earns 9 Club Vistara Points for every Rs. 100 spent on Vistara flights.

The SBI Card Elite Business  is the ideal card for high spenders but this would require a consistent expenditure that would attract equal rewards or rewards exceeding the spending. However, SURE card does not require high expenditure as a necessity and provides reward points based off of your spending.

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