SBI Premium Cards

State Bank of India (SBI) offers a wide range of premium credit cards tailored to meet the overall lifestyle needs of elite customers. From shopping to movies to complimentary lounge access to fuel surcharge waivers, the premium range of credit cards offers a variety of features and benefits.

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Top SBI Premium Credit Cards in India 2025

Card Name

Fees

SBI Card PRIME

  1. Annual Fee: Rs. 2,999 + GST
  2. Renewal Fee: Rs. 2,999 + GST (from second year onwards)

SBI Card ELITE

  1. Annual Fee: Rs. 4,999 + GST
  2. Renewal Fee: Rs. 4,999 + GST (from second year onwards)

SBI Card ELITE Advantage

  1. Annual Fee: Rs. 4,999 + GST
  2. Renewal Fee: Rs. 4,999 + GST

SBI Card Miles Elite

  1. Annual Fee: Rs. 4,999 + GST
  2. Renewal Fee: Rs. 4,999 + GST

KrisFlyer SBI Card Apex

  1. Annual Fee: Rs. 9,999 + GST
  2. Renewal Fee: Rs. 9,999 + GST (from second year onwards
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Features and Benefits of SBI Premium Cards

SBI Card PRIME

  1. Welcome e-gift voucher worth Rs.3,000.
  2. SBI PRIME Rewards
    1. 20 reward points for every Rs.100 spent on your birthday.
  3. With SBI Card PRIME get milestone benefits including e-vouchers from Pizza Hut, Yatra.com. Renewal fee waiver if the annual spends exceed Rs.3 lakh.
  4. Complimentary airport lounge access to international and domestic airports.
  5. Free golf rounds on green fees and discounts on gold games at select golf courses.

SBI Elite Credit Card

  1. Welcome e-gift voucher worth Rs.5,000.
  2. Get free movie tickets worth Rs.6,000 every year with SBI Elite Credit Card.
  3. Bonus reward points on annual spends of Rs.3 lakh and Rs.4 lakh.
  4. ELITE Rewards including 5 times more rewards points on dining, departmental stores, etc.
  5. Complimentary membership to the airport Priority Pass program. Free 6 airport lounge visits to airports outside India and 2 domestic airport lounges.
  6. Complimentary green fees access and 50% off on golf games.
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SBI Elite Advantage Credit Card

  1. Get welcome e-gift voucher worth Rs.5,000 with SBI ELITE Advantage Credit Card.
  2. Free movie tickets worth Rs.6,000 every year.
  3. Bonus reward points on annual spends of Rs.3 lakh and Rs.4 lakh.
  4. ELITE Rewards including 5 times more rewards points on dining, departmental stores, etc.
  5. Complimentary membership to the airport Priority Pass program. Free 6 airport lounge visits to airports outside India and 2 domestic airport lounges.
  6. Complimentary green fees access and 50% off on golf games.

SBI Card Miles Elite

  1. Receive 5,000 Travel Credits as a welcome benefit.
  2. Travel Credits will be credited upon spending Rs. 1,00,000 within 60 days of card issuance.
  3. Joining fee payment is required to credit Travel Credits.
  4. Earn six Travel Credits for every Rs. 200 spent on travel.
  5. Earn two Travel Credits for every Rs. 200 spent on other purchases.
  6. Convert Travel Credits into:
    1. Air Miles or Hotel Points: 1 Travel Credit = Rs. 1
    2. Travel Bookings: 1 Travel Credit = Rs. 0.50
    3. Shop & Smile Catalogue: 1 Travel Credit = Rs. 0.25
  7. Get one additional Domestic Lounge visit for every Rs. 1 lakh spent.
  8. Earn 20,000 Bonus Travel Credits on annual spending of Rs. 12 lakh.
  9. Enjoy an Annual Fee Waiver on spends of Rs. 15 lakh in a membership year.
  10. Voucher codes for lounge access will be sent via SMS and email within 120 days.
  11. Complimentary domestic lounge visits for both a Primary Cardholder and a Guest (maximum 15 visits per year).
  12. Complimentary Priority Pass Membership worth US Dollars 99, with access to 1,000+ international airport lounges.
  13. Six free international lounge visits per year (maximum two per quarter).
  14. Priority Pass is free for the first two years; additional visits beyond the free limit are chargeable at US Dollars 27 + taxes.
  15. To request a Priority Pass, call 18605001290 or 39020202 (prefix local STD code).
  16. Enjoy eight complimentary Domestic Airport Lounge visits per year (maximum two per quarter).
  17. Flight cancellations (up to six per year) are covered for Rs. 3,500 per cancellation.
  18. Lost card liability protection up to Rs. 1 lakh.
  19. Air accident cover of up to Rs. 1 crore.
  20. Lost check-in baggage cover up to Rs. 72,000.
  21. Delayed baggage compensation up to Rs. 7,500.
  22. Lost travel documents covered up to Rs. 12,500.
  23. Baggage damage covers up to Rs. 5,000.
  24. Low foreign currency mark-up of 1.99% on international transactions.
  25. 1% fuel surcharge waiver at all petrol pumps across India (Govt. Service Tax applicable).
  26. Maximum fuel surcharge waiver of Rs. 500 per month per statement cycle.

KrisFlyer SBI Card Apex

  1. Earn 10,000 KrisFlyer miles upon payment of the annual fee and completing the first transaction within 60 days of card issuance.
  2. Ten KrisFlyer miles per Rs. 200 spent on the Singapore Airlines Group
  3. Eight KrisFlyer miles per Rs. 200 on international transactions
  4. Six KrisFlyer miles per Rs. 200 on all other eligible purchases

Note: Property rentals, fuel transactions, and wallet reloads are excluded from the reward program.

  1. Additional 10,000 KrisFlyer miles on annual spending of Rs. 5 lakh
  2. Upgrade to KrisFlyer Elite Gold membership by spending Rs. 7.5 lakh on Singapore Airlines
  3. 3,000 bonus KrisFlyer miles on reaching Rs. 10 lakh in total annual spending
  4. Two complimentary domestic airport lounge visits per quarter
  5. Free Priority Pass Membership (worth US Dollars 99)
  6. Eight complimentary international airport lounge visits per year (maximum two per quarter)
  7. Post complimentary usage: A fee of US Dollars 27 + applicable taxes will be charged for additional Priority Pass lounge visits. Only primary cardholders receive Priority Pass membership, valid for two years
  8. 1% fuel surcharge waiver on transactions up to Rs. 3,000 across all petrol pumps in India
  9. Maximum waiver of Rs. 250 per statement cycle per credit card account
  10. Air Accident Cover: Rs. 3.5 crore
  11. Baggage Loss or Delay Cover: Rs. 1 lakh
  12. Fraud Protection Cover: Rs. 10 lakh

Apply for SBI Premium Credit Cards

SBI Premium Credit Cards can be applied both online and offline. Individuals who wish to apply online can directly visit www.sbicard.com, find a credit card that suits their needs, and apply for it on the same website. They can also approach financial websites such as Bankbazaar.com, which provide a comparison of features and benefits offered by various cards making it easy for the visitors to make a choice.

Apply Through SBI Website

  1. Go to www.sbicard.com
  2. You can directly click on 'Apply' button from the top navigation menu or choose a card by browsing through the list of cards present under Cards for you' section on the same page.
  3. Once you finalise the card, you can click on 'Apply' button below it to send an application for the card.
  4. You will be directed to an online application page, where you need to fill basic details such as applicant's name, city, occupation, etc., verify your mobile number and click on 'Next Step'.
  5. In the next page, you need to enter specific details that vary with respect to the chosen card to determine your eligibility for the chosen card.
  6. In the final step, the bank will verify all the details entered by you, check your eligibility for the chosen card and display an instant decision.
  7. If you are eligible for the card, SBI representatives will call you to let you know the next step in the application process. In case, you're not eligible, the screen will display the same message.

Apply by Visiting the SBI Branch:

Individual who doesn't have access to the internet can directly walk-in to any of the closest SBI branches and apply for a premium card. The application forms are available in all SBI branches. Make sure to check your eligibility before applying for the card. You will also be required to attach the required documents such as your identity proof, address proof, income proof, etc., to the application form.

FAQs on SBI Premium Credit Cards

  • How do I find which SBI credit card I am eligible for?

    You can use the 'Simplyfier ' section on the website, sbicard.com and find out which SBI credit card is suited for you. The recommendation will be based on your spending patterns.

  • I applied for a credit card at SBI 3 months ago and when I apply again, I am not able to apply.

    You should generally be able to apply for another credit card after 3 months of the previous application. There are a few exceptional cases under which you might not be able to re-apply. If you are not able to apply for a credit card after 3 months, you should send the bank an email at sbicard.com/email.

  • I have an SBI credit card, but I want another SBI card. Cn I also upgrade the current credit card?

    If you want to upgrade your current SBI credit card instead of applying for another credit card, you can log into your SBI Card Online account. If you are eligible for an Upgrade offer, you can see 'Card upgrade'.

  • Within what time frame should I report a disputed transaction?

    A transaction dispute needs to be reported to the SBI credit card department within 25 days from the date of transaction with the Transaction Dispute Form (TDF) and also supporting documents.

  • Is it required to have documentation when I raise a dispute?

    Yes, a few disputes like-cancellation, refund promised by the merchant, paid by other means, and merchandise returned require documented proof.

  • How long does it take to get a credit card dispute resolved?

    Most of the disputes are resolved within 45-60 days from the date of receipt of TDF and documents.

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