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SBI · mid tier
SBI ELITE
Mid-premium travelers
Joining fee
₹5.0K
Annual fee
₹5.0K
Base rate
0.5%
Expert rating
7.0/10
— Real annual value
What's it actually worth for you?
₹50.0K
Gross rewards₹13,800
Fees-₹9,998
Net annual value+₹3,802
Value breakdown
dining (2.5%)+₹2,250
Base rate (0.5%)+₹2,550
Welcome benefit+₹5,000
Lounge access (14 visits)+₹4,000
Annual fee₹4,999
Joining fee (year 1)₹4,999
— Highlights
- Priority Pass
- ₹5K welcome voucher
- 5X on dining/grocery
— Redemption paths
Every way to spend your reward points
1
voucher
₹0.30
per point
2
cashback
₹0.25
per point
— Reward rates
Earn by category
dining
2.5%
5X points on dining, groceries, departmental