Bank of Maharashtra SBI Card ELITE

SBI Card · ₹4,999 a year · fee waived on ₹10,00,000 of annual spend

SBI Card’s premium card, strongest for people who cross its yearly spend milestones.

Base rate: 0.5% as Reward Point.

What the bank says

• 5X reward points on dining, departmental stores and groceries
• 2 reward points per ₹100 on all other spends, except fuel
• Up to 50,000 bonus reward points worth ₹12,500 a year on spend milestones
• Welcome e-gift voucher and free movie tickets
• Annual fee reversed on annual spends of ₹10 lakh

Where it pays more

• 2.5% on dining, departmental stores and groceries (5X points), up to 10,000 points a month

Things that catch people out

• Issued by SBI Card for Bank of Maharashtra customers.
• SBI Card’s terms cap the 5X rate at 10,000 points (₹2,500) a month.

Joining fee: ₹4,999. Foreign currency markup: 1.99%.

Read from SBI Card’s own page on 2026-09-16.

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