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SBI Card ELITE Advantage

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SBI Card ELITE Advantage

Looking for a card with great reward system? Then look no further than the SBI Elite Advantage Credit Card which is one of the best premium credit cards with excellent reward points program. With the SBI Elite Advantage Credit Card, you get the most out of your hard-earned money you spend on the card.

SBI Card ELITE Advantage

Highlight

  • Balance Transfer on EMI
  • Cash Access Across the World
  • Fraud Liability Cover
  • Global Acceptance

Best Suited For

  • Dining.
  • Movie Deal
  • Shopping
  • Lounge AC
  • Golf Benefits

Features of SBI Elite Advantage Credit Card

  • Contactless Advantage
    • Make your payment faster, easier and more convenient by simply waving your card at a secure reader to complete your transaction.
    • Reduce the risk of card loss and fraud due to skimming as the card never leaves your hand.
  • Global Acceptance
    • SBI Elite Advantage Credit Card is accepted in over 24 million outlets across the globe, including over 3 lakh outlets in India.
  • Fraud Liability Cover
    • Complimentary credit card fraud liability cover of Rs 1 lakh till 7 days post reporting of loss.
  • Cash on the go
    • Withdraw cash from over 1 million Visa or Mastercard ATMs across the globe.
  • Easy Bill Pay Facility
    • Pay your utility bills using your SBI Elite Advantage Credit Card.
  • Flexipay
    • Convert your transactions of Rs 2500 and above into easy monthly installments.
  • Balance Transfer on EMI
    • Now save money while paying your credit card dues.
    • Transfer your outstanding balance of other credit cards to your SBI ELITE Advantage Credit Card and avail lower rate of interest and pay back in EMI.

Benefits of SBI Elite Advantage Credit Card

  • Complimentary Movie Tickets
    • Get free movie tickets worth Rs 6000 every year.
    • Transaction valid for at least 2 tickets per booking.
  • Mastercard & Visa Privileges
    • 4 rounds of complimentary green fees access.
    • Up to 50% off on Golf games.
    • Savings of up to 35% on car rentals.
    • Earn up to 10,000 miles per night on hotel stay.
    • Exclusive benefits across 900 luxury hotels worldwide.
  • Fuel Surcharge Waiver
    • 1% fuel surcharge waiver on every transaction between Rs 500 – Rs 4000 at any petrol pump across India.
    • Maximum surcharge waiver of Rs 250 per statement cycle per credit card.
  • Exclusive Concierge Service
    • Exclusive assistance with your travel, movie & hotel reservations.
    • Gift delivery assistance and customized holiday packages.
    • Exclusive discounts at leading Spas and Lifestyle stores.
  • Lounge Program
    • 6 complimentary International Airport Lounge visits per year.
    • 2 complimentary Domestic Lounge visits every quarter in India.
    • Access to over 1000 Airport Lounges worldwide.
  • Club Vistara Membership
    • Complimentary Club Vistara Silver membership.
    • 1 complimentary Lounge Access voucher and 1 Upgrade voucher.

Eligibility Criteria of SBI Elite Advantage Credit Card

  • Age of salaried applicant must be between 21 – 70 years.
  • Age of self-employed applicant must be between 25 – 70 years.
  • The applicant must be an Indian citizen.
  • Applicant must have a good credit score.
  • The add-on cardholder must be above 15 years of age.
  • Applicant should be able to produce all the necessary documents.

Documents Required for SBI Elite Advantage Credit Card

Documents Required for Identity Proof
  • Aadhar Card
  • Passport
  • Voter ID
  • Driving License
  • PAN Card
  • NREGA Card
  • Ration Card
Documents Required for Address Proof
  • Aadhar Card
  • Ration Card
  • Passport
  • Voter ID
  • Driving License
  • Electricity/Water or other utility bill not more than 2 months old
Documents Required for Income Proof
  • Salary Slip
  • Bank Statement
  • Form 16
  • ITR
  • Bank Statements for the last 3 months
  • Proof of business continuity for self-employed applicants
Other Documents Required
  • Recent passport sized photograph

How to apply for SBI Elite Advantage Credit Card

  • Click here to start the application process.
  • Fill the basic requirements like your Name, Occupation, Monthly Income etc. to check your eligibility.
  • If eligible, you will be redirected to the online application page.
  • Fill the online application form and submit the form.
  • Upload and submit the required documents.
  • Once you apply for the card, the bank will review your credit card application and will then approve it. You will receive the credit card within a few working days after the approval.

Additionally, you can log on to the SBI official website and apply for a card online at www.sbicard.com

Fees & Charges of SBI Elite Advantage Credit Card

Fees/Charges Amount
Annual Fee Rs 4999
Add-on Fee Nil
Finance charges for extended credit Up to Rs 25 or 2.5% per month (30% per annum), whichever is higher from the date of transaction
Minimum amount due for extended credit 5% of Total Outstanding [ Min Rs 200 + all applicable taxes + EMI (in case of EMI based product) + OVL amount (if any)
Cash advance limit Up to 80% of the credit limit, with a maximum of Rs 15,000 per day
Cash advance fee 2.5% of transaction amount, subject to a minimum of Rs 500
Statement retrieval Rs 100 per statement that is more than 2 months old
Payment Dishonor fee 2% of the payment amount, subject to a minimum of Rs 450
Cheque pick-up fee Rs 100
Overlimit 2.5% of over limit amount subject to a minimum of Rs 500
Card replacement Rs 100
Emergency card replacement when abroad Nil
Foreign currency transaction Conversion markup of 1.99%
Rewards redemption fee Rs 99
Cash payment fee Rs 100
Railway tickets through counters Rs 30 + 2.5% of transaction amount

SBI Elite Advantage Credit Card Late payment

Amount (in Rupees) Late payment fees (in Rupees)
0 – 200 Nil
201 – 500 100
501 – 1000 400
1001 – 10,000 600
10,001 – 25,000 800
> 25,000 950

Reward Point Benefits on your SBI ELITE Advantage Credit Card

Now earn various reward points and bonus reward points at a faster pace with every transaction with your SBI ELITE Advantage Credit Card. The more reward points you gain, the greater your chances become to redeem the reward points for your spends. This will save you a lot of money which otherwise would have gone from your pocket and made a hole in it.

These reward points can be redeemed to make several online purchases on www.sbicard.com. Customers can also redeem reward points against their SBI credit card outstanding balance.

You can avail the following reward points on your SBI ELITE Advantage Credit Card:

  • 10X reward points on online spends with exclusive partners like Amazon, BookMyShow, Cleartrip, Lenskart, Netmeds and UrbanClap.
  • 5X rewards on all other online spends.
  • 1 reward point per Rs 100 on all other spends.
  • Redeem reward points against your SBI credit card outstanding balance or to redeem gifts from SBI Credit Card Rewards Catalogue.

You can only redeem reward points in multiples of 2000 points per request. The gift from the reward points will be delivered to the customer’s given address, i.e., only to the primary card holder’s address. Gifts (i.e., merchandise) will be delivered within 15 working days and gift vouchers will be sent in 10 working days. Once the request to redeem the reward points has been made, it cannot be cancelled or changed.

Gift vouchers will be valid for a period of three months. SBI charges a fee of Rs 99 along with service tax to the SBI card account after a request to redeem the reward points has been made by the customer

SBI Credit Card Rewards Store/Catalogue

Category Brands
Accessories Samsung/ Michael Kors/ Fossil/ Bvlgari/ Rayban/ Lavie/ Bata/ Tommy Hilfiger/ Parker/ Hidesign/ Nike/ Park Avenue/ Swiss Military/ Esprit/ Ferragamo/ Fastrack/ Voylla etc.
Apparel & Superstore Shoppers Stop/ Celio/ Hush Puppies/ Pantaloons/ More/ Aurelia/ Myntra/ Central/ Raymond/ Levis/ Louis Philippe/ Allen Solly/ Inglot/ Van heusen/ Vero Moda/ Arrow/ United Colors of Benetton/ Woodland etc.
Books & Periodicals Annual subscriptions of India Today/ Vogue/ GQ/ Good Homes/ Femina/ Filmfare/ Hello/ Grazia/ Business Today/ Harper’s Bazaar/ Cosmopolitan India/ Architectural Digest/ Reader’s Digest etc.
Electronics Apple/ Samsung/ Sennheiser/ Skullcandy/ Philips/ HP/ Amazon/ Google/ Bose/ JBL/ Fitbit/ BoAt/ Fossil/ MI/ Fastrack/ Motorola/ AT&T etc.
Elite Book of Rewards Shoppers Stop/ US Polo Assn./ Arrow/ Pantaloons/ Amazon/ Google/ PC Jeweller/ Kalyan Jewellers/ Tanishq/ Joyalukkas
End of Season Sale Victorinox/ HP/ MI/ Havells/ Swiss/ Motorola/ Wenger/ Fossil/ Skullcandy/ Google/ Bajaj/ Vaya/ Morphy Richards/ Park Avenue/JBL/ Nike/ Tupperware etc.
Entertainment & Dining BookMyShow/ SMAAASH/ Oh Calcutta/ Sweet Bengal/ The Beer Café/ Sigree/ TGIF/ Mainland China/ PVR/ KFC/ Chaayos/ Costa Coffee/ Pizza Hut/ Baskin Robins
E-voucher MakeMyTrip/ Flipkart/ Croma/ Yatra/ Urban Ladder/ Amazon/ Apollo Pharmacy/ The Body Shop/ Archies/ Shoppers Stop/ Allen Solly/ Cult.fit/ Pantaloons/ Fab Hotels etc.
Festive Catalogue Diesel
Health & Fitness Apple/ Fitbit/ MI/ Philips/ Goomo/ Cult.fit/ Fastrack/Nivia/ Dr. Morepan/ Victorinox/ Portronics/ Omron/ FitPass/ Nike/ Apollo Pharmacy/ Swiss Military etc.
Homeware Kent/ Morphy Richards/ Havells/ Hindware/ Urban Ladder/ Victorinox/ Bajaj/ DKNY/ Orient/ Vaya/ Wonderchef/ Prestige/ Borosil/ Milton/ Black + Decker/ Tupperware etc.
Kids Zone Vaya/ Wildcraft/ Lego/ Disney/ Zephyr/ American Tourister/ Gini & Jony/ Borosil etc.
Lifestyle Sennheiser/ Bose/ Diesel/ Hermes/ Fossil/ Citizen/ Skagen/ DKNY/ Bvlgari/ Guess/ Esprit/ Lavie/ Bata/ Timex/ Park Avenue/ VLCC etc.
Luxury PC Jeweller/ Kalyan Jewellers/ Helios/ Tanishq/ Joyalukkas
Memberships Accor Plus/ Cult.fit/ FITPASS
Preferred partner Card Protection Plan/ FBB/ Central
Travel & Holiday MakeMyTrip/ Swiss Gear/ Wildcraft/ Yatra/ Accor Plus/ Victorinox/ American Tourister/ Adidas/ Swiss Military/ Fab Hotels/ Cabeau etc.

How to check your SBI ELITE Advantage credit card reward points?

To check your reward points gained from your SBI ELITE Advantage Credit Card:

  • Choose SBI ELITE Advantage Credit Card on the official SBI website.
  • Click on “Terms and Conditions”.
  • Click on the “Shop and Smile” reward program.
  • The points that you have earned will be mentioned under the “Points Earned Accumulated/Redeemed” section in your account.

How to redeem SBI ELITE Advantage credit card reward points?

Redeem reward points through Website

  • Login to www.sbicard.com.
  • Click on “Rewards” and then click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem now” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SBI ELITE Advantage Credit Card.

Redeem reward points through Mobile App

  • Login to SBI Card Mobile App.
  • Click on “Rewards” at the left-hand side and click on “Redeem Rewards”.
  • Browse through the various SBI credit card rewards available and choose a suitable reward of your choice.
  • Click on “Redeem” and confirm.
  • You can use the “Points+Pay” feature which gives you the freedom to redeem your reward points through the usual redemption of Reward Points and partly through the balance on your SBI ELITE Advantage Credit Card.

Customer care for SBI Credit Card

You can clear all your doubts and queries through SBI customer service. You can get access to the SBI customer service executives through the SBI helpline number, SMS service, address or email id. Resolve all your credit card queries and complaints regarding gift vouchers, reward points, credit score, annual spends, add on cards, required documents, annual fee, credit card application and many more in the best possible way through the SBI credit card helplines.

SBI Credit Card Toll Free Number:

  • 1860 180 1290
  • 1800 180 1290
  • 39020202 (STD code)
  • For Balance Enquiry – 8422845512
  • For Reward Points Summary – 8422845514
  • For Available Credit Limit and Cash Limit – 8422845513
  • For Last Payment Status – 8422845515

SBI Credit Card “Simply SMS” Service

Send different messages to get answers for your queries using SBI’s Simply SMS Service at the number 5676791

  • To block your lost or stolen SBI credit card, message BLOCK XXXX to the given number
  • To know about available credit and card limit, message AVAIL XXXX
  • To know the last payment status for your SBI credit card, message PAYMENT XXXX
  • To know reward points summary for your SBI credit card, message REWARD XXXX
  • To know about your SBI credit card balance, message BAL XXXX
  • To request a duplicate statement for your SBI credit card, message DSTMT XXXX MM (statement month)
  • To subscribe for SBI credit card e-statement, message ESTMT XXXX

SBI Credit Card Postal Address

Correspondence: SBI Card, P.O. Bag 28, GPO, New Delhi – 110001

Head office: SBI Card, Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon – 122002, Haryana, India

SBI Credit Card Email Click on https://www.sbicard.com/en/contact-us/personal.page#title to email to SBI.

SBI ELITE Advantage Card Online Application Status

Get the real-time status of your SBI credit card by simply visiting the official SBI website. You just need to put your credit card application number and follow a few simple steps and you are done with the credit card application status. Now, the credit card application status can be anything from approval, pending for approval or even rejected. Do ask the reasons for your credit card application rejection if it has happened.

You can either call the branch officials or the customer care executives to know the reasons or you can write an e-mail to the customer care executives. If you can remove the discrepancy in your credit card application, do so and apply again to get an approval.

SBI ELITE Advantage Card Credit Limit

The credit limit depends on the income, credit score, job or business stability along with other factors. So, to get a higher credit score limit, it’s important to have a decent income and have a good credit score well past 750. It is also important to have a stability in either your job or business.

Existing cardholders can get good credit limit by asking SBI to raise the credit limit. After receiving the request of limit enhancement, SBI will check the repayment pattern, employment and business details before coming to a decision of whether it will raise the credit limit or not.

A good credit limit or a higher credit limit does not mean that you should spend an excessive amount which will be more than your ability to pay back on time. Over-spending and failure to make a payment by the due date can create a default-like situation in which the creditors might raise interest rates to the default (or penalty rate) or decrease the line of credit. In case of serious defaulting on a credit card, the bank can even take legal action to enforce payment.

This is not a situation anybody would want to be in as default is a serious credit card issue that affects not only your standing with the credit card issuer but also your credit standing in general and your ability to get approved for other credit-based services. The reasons are obvious, the credit score would come down, which could make it tricky to gain an easy approval to the credits you may apply in the future.

In addition, you would struggle to meet other financial liabilities that you may have to carry out on a monthly basis.

At the same time, don’t be too less on the utilization as that would make it hard to build a credit history for you and would interfere with your good credit score. So, you need to strike a balance between the annual spends to ensure a proper credit utilization ratio, translating into a good credit history and a non-default situation.

SBI ELITE Advantage Card Online Bill Payment

Do away with the bill payment delays by adding your SBI ELITE Advantage Card to the list of billers via net banking and pay your bills on time and avoid default.

If you are using the Internet Banking of SBI or some other bank, mention your credit card number correctly. You will receive an SMS indicating the total due and due date. You can login and pay from the comfort of your home or office either on or before the due date.

Frequently Asked Questions (FAQs)

  • What is SBI Elite Advantage Credit Card?

    SBI’s Elite Advantage Credit Card is one of the best SBI credit cards best suited for movie lovers, shopping discounts, and other luxuries like Golf benefits, Airport lounge access etc. It offers 5X rewards points along with up to 50,000 bonus reward points. Customers can redeem their reward points against their SBI credit card outstanding balance or redeem the reward points to make several online purchases through SBI’s “Shop and Smile” reward program.

  • How to avail free movie tickets on SBI Elite Advantage Credit Card?

    Follow the steps to avail free movie tickets on SBI Elite Advantage Credit Card:

    1. Go to BookMyShow website, select the tickets and go to the ‘Payments’page.
    2. Fill in the required details, click on “Unlock Offer or Apply Promocode” and choose “Credit/Debit/Net Banking”.
    3. Click on “Select Offer” and choose “SBI Signature/Elite Credit Card INR 500 off”.
    4. Enter your 16-digit credit card number in the box and click on “Check” to avail the offer.
  • How to get SBI Elite Advantage Credit Card welcome gift voucher?

    You need to pay the annual fee of SBI Elite Advantage Credit Card to avail the welcome gift voucher. You will receive an SMS to choose from welcome gift voucher options within 15 days of annual fees payment. The welcome gift voucher you choose will be sent to your registered mobile number/e-mail ID, within 5 days of the request.

  • How to redeem SBI Elite Advantage Credit Card reward points?

    You can redeem SBI Elite Advantage Credit Card reward points through either SBI credit card website or SBI mobile app. To redeem SBI Elite Advantage Credit Card reward points, you need to log in to either the SBI website or the mobile app. Click on “Rewards” and then on “Redeem Rewards” and choose a reward of your choice. Click on “Redeem now” and confirm.

  • Can I replace my SBI Elite Advantage Credit Card with another?

    To replace SBI Elite Advantage Credit Card to another credit card, customers can either call on the SBI helpline number 1860 180 1290 or 390202 (prefix local STD code) or write at www.sbicard.com/email regarding their request. Additionally, the customers can also login to their SBI card account at sbicard.com to place their request for card replacement or card conversion. Alternatively, customers can login to Chatbot ILA, ask their query about card replacement or conversion and follow the guided steps.

  • What should I do if I have not received my welcome gift voucher for SBI Elite Advantage Credit Card?

    The request for welcome gift voucher has to be placed within 15 days of payment of annual fee. The chosen gift voucher will be received by the customer 5 days after the request has been placed. If you have not yet received SBI Elite Advantage Credit Card welcome gift voucher after designated time, you should call the SBI credit card helpline. The SBI credit card helpline numbers are:

    1. 1860 180 1290
    2. 1800 180 1290
    3. 39020202 (STD code)

    Additionally, you can also write to SBI at sbicard.com/email about your query.

  • How to change the pin for SBI Elite Advantage Credit Card?

    To change the pin for SBI Elite Advantage Credit Card, follow the given steps:

    1. Login to your SBI account and click on “My Account” (for website) or “Service Requests” (for mobile app).
    2. Click ‘Manage Pin’.
    3. Select the card for which pin needs to be changed.
    4. Click on ‘Generate OTP’.
    5. Enter the OTP.
    6. Enter the New PIN twice, and click submit.
  • Who can apply for SBI Elite Advantage Credit Card?

    Only Indian citizens can apply for the SBI Elite Advantage Credit Card. Salaried applicants should be aged between 21-70 years and applicants who are self-employed should be aged between 25-70 years. Applicants must also have a good credit score. Applicants must be above 15 years of age and should be able to produce all the required documents.

  • What is Flexipay and do SBI Elite Advantage Credit Card users get this feature?

    Flexipay is an amazing feature extended to SBI Elite Advantage credit card holders that allows the users to convert their purchases of Rs 2500 or above into easy EMIs.

  • Can a customer get an add-on card for SBI Elite Advantage Credit Card?

    Yes, users of SBI Elite Advantage Credit Card can get add-on cards for their parents, spouse, children or siblings provided the recipient is above 18 years of age.

  • How do I increase my SBI Elite Advantage Credit Card limit?

    Cardholders can visit www.sbicard.com and choose to increase their credit limit. Alternatively, they can also SMS “INCR XXXX” (last 4 digits of your card number) to 5676791 from their registered mobile number to increase their credit limit for SBi Elite Advantage Credit Card.

  • Do I need to pay the fraudulent transaction amount on my SBI Elite Advantage Credit Card?

    No. SBI Elite Advantage credit cardholders get a complimentary fraud liability cover of Rs 1 lakh which is liable from the period of 48 hours prior to reporting of loss till 7 days post reporting of loss.

  • What are the different airline conversion partners available for the SBI Elite Advantage Credit Card?

    Jet Privilege is a conversion partner that lets you convert your reward points into JP miles. The conversion factor is 4 rewards = 1 JP mile.

  • What is the interest rate for SBI Elite Advantage Credit Card?

    The interest rate on SBI Elite Advantage Credit Card is up to 3.35% per month or 40.2% per annum.

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