SBI Elite Credit Card

SBI Elite Credit Card works as an overall premium card which provides benefits to the card holder across multiple categories. This includes shopping, movies, travel, etc. The SBI Elite Credit Card provides complimentary membership of Club Vistara to its primary cardholders. Taking a look at its features, it can be deduced that the card works majorly as a travel card.

  • Sure Card
  • SBI Elite Credit Card
Features Sure CardSBI Elite Credit Card
EligibilityEveryone 18+Between 18-70 years CIBIL Score of 750+ essential
Approval100%Not guaranteed, not transparent
Joining FeesNILNIL
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 transaction amount or Rs. 500 (Both Domestic and International ATMs)
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 transaction amount
Foreign Currency TransactionNILMark-up of 1.99%
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.4 reward points = Re. 1. 1% fuel surcharge waiver across all petrol pumps.
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
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SBI Elite Credit Card vs. SURE Card

SBI Elite credit card is known for charging an annual fee but also being additionally rewarding to its cardholders by offering e-gift vouchers, Club Vistara and TridentPrivilege Membership and discount on hotel stays. However, as is evident, the SBI Elite Credit Card is better suited for travel due to the offers that it provides. It is important to note that travel plans are not a regular occurrence and do not hold consistency. SURE, on the other hand, offers birthday, anniversary and transaction rewards that can be used without any preconditions.

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