SBI Elite Advantage Credit Card

The SBI Elite Advantage Credit Card proves to be an all round card with premium benefits in multiple categories like travel, movies, shopping etc. Although the annual fee charged is comparatively higher than most credit cards, the SBI Elite Advantage Credit Card gives great returns too. It offers complimentary membership to the Priority Pass Program and Club Vistara too.

  • Sure Card
  • SBI Elite Advantage Credit Card
Features Sure CardSBI Elite Advantage Credit Card
EligibilityEveryone 18+Salaried or Self Employed. Minimum income of Rs. 60,000 for both.
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Cash Advance FeeNo Cash Advance2.5% of the amount withdrawn; minimum of Rs. 500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. 3000
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.Welcome e-gift voucher from: Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Aditya Birla Fashion worth Rs. 5000. Free movie tickets worth Rs. 6000 per year. Valid for two tickets per booking per month. Maximum discount offered is Rs 250 per ticket for two tickets only and convenience fee is charged. upto 50,000 Bonus Reward Points worth Rs. 12,500/ year. 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs. 5X Reward Points on Dining, Departmental stores and Grocery Spends. 2 Reward Points per Rs. 100 on all other spends. International and Domestic Lounge Access. Complimentary Club Vistara Silver Membership. Complimentary Trident Privilege Red Tier 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. 1 lakh.
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SBI Elite Advantage Credit Card vs. SURE Card

The SBI Elite Advantage Credit Card has a joining fee and annual fee that is higher than a majority of the cards. Therefore, it is recommendable that you apply for the SBI Elite Advantage Credit Card when there are high expenses to be covered using it. On the other hand, SURE Card does not require high purchases as a standard and does not charge any annual or joining fees.

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