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SBI card Elite Business

Privileges on SBI Card ELITE Business

Know what you would be entitled to with this card

Welcome gift

Welcome Gift

  • Welcome e- Gift Voucher worth Rs. 5,000
  • Choose from an array of travel and lifestyle brands : Yatra for business, Hush Puppies/Bata, Marks & Spencer, Pantaloons and Shoppers Stop
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Welcome Gift
  • You will receive an SMS to choose from e-voucher options within 15 days of annual fees payment.The e-voucher will be sent to your registered mobile number/e-mail ID, within 5 days of the request.
  • For Marks & Spencer, Pantaloons, Shoppers Stop and Hush Puppies /Bata you can redeem your e-gift voucher by showing the code at the respective brand store
  • Yatra for business and Shopper Stop you can redeem the code online at the time of purchase
Complimentary Movie Tickets

Complimentary Movie Tickets

  • Free Movie Tickets worth Rs. 6,000 every year
  • Transaction valid for at least 2 tickets per booking per month. Maximum discount is Rs. 250/ticket for 2 tickets only. Convenience Fee would be chargeable
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Complimentary Movie Tickets
  • This offer is valid on Primary Cards only
  • To know the Redemption process click here
Milestone Privileges

Milestone Privileges

  • Earn upto 50,000 Bonus Reward Points worth Rs. 12,500/ year
  • Earn 10,000 bonus Reward Points on achieving annual spends of Rs. 3 lakhs and 4 lakhs
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Milestone Privileges
  • Earn 15,000 bonus Reward Points on achieving annual spends of Rs. 5 lakhs and 8 lakhs
  • Spend Based Reversal of Annual Fee on spends of Rs. 10 Lakhs
ELITE Rewards

ELITE Business Rewards

  • Get 5X Reward Points on Dining, Utility Bills payments and Office supplies
  • Earn 2 Reward Points per Rs. 100 on all other spends except fuel
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ELITE Business Rewards
  • Pay your card outstanding with Reward Points. 4 Reward Points = Rs. 1
  • 1% Fuel Surcharge Waiver across all petrol pumps. (Govt. Service Tax extra as applicable). Maximum Surcharge Waiver of Rs. 250 per month per credit account
Lounge Access

Lounge Access

  • 6 complimentary visits per year to International Priority Pass Lounges, outside India (max. 2 visits per quarter)
  • 8 complimentary visits per year to Mastercard Lounges in India (max. 2 visits per quarter)
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Lounge Access
  • Call at our customer helpline number: 1860 180 1290 or 39020202 ( Prefix Local STD code) to receive your Priority Pass
  • For list of domestic lounges visit com
  • Click here to know more about Priority Pass member lounges
  • Offer is valid for Primary Cardholders only
Club Vistara Membership

Club Vistara Membership

  • Enjoy complimentary Club Vistara Silver membership
  • Get 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher
  • Earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights
  • Click here to apply for your exclusive Club Vistara Silver membership
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Club Vistara Membership
Mastercard Global Linker

Mastercard Global Linker

  • Join a growing community of SMEs, startups & entrepreneurs
  • Grow Your Business Network  – Find buyers, suppliers, & customers
  • Save on Business Costs – Reduce business costs with offers from other SMEs
  • Read & Contribute Content – Access to Inspiring SME stories, Insights
Lowest Forex Markup

Lowest Forex Markup

  • Your SBI Card ELITE Business offers you the privilege of the lowest Foreign Currency Mark-up Charge of 1.99% on International usage.
  • You are also entitled to 2 Reward Points on every Rs.100 spent on International transactions.
Yatra For Business

Yatra For Business

  • Get INR 750 off on Flight bookings above INR 6000, once in a quarter.
  • Get 20% off on Hotel bookings, once in a quarter.
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Yatra For Business
  • Self-service, GST compliant platform
  • Access to special corporate fares & hotel deals
  • Free rescheduling and low cancellation charges on flights
  • Free meals on-board flights
  • 1,00,000+ domestic hotels to choose from.
Metro Cash & carry

Metro Cash & carry

  • Earn 10 reward points (5X) per INR 100 on all spends at Metro Cash & Carry stores.
  • Complimentary privileges through Bandhan- Loyalty program of Metro Cash & Carry*
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Metro Cash & carry
  • Upto 2% discount on the purchase value.
  • Exclusive billing desk & helpline services.
  • Free delivery of goods within 60 km of city limits.
    *Standard eligibility spend threshold doesn’t apply to SBI Card Prime Business Cardholders. All standard T&C’s of Bandhan program apply.
    • Annual Fee (one-time) : Rs. 4,999
    • Welcome gift worth Rs. 5,000
    • Renewal Fee (per annum) : Rs. 4,999

Features of SBI Card ELITE Business

Know everything about SBI Card ELITE Business

  • Terms and Conditions
      • For detailed product terms and conditions click here; For detailed SME Agreement - terms and conditions click here
  • Mastercard Privileges
      • Enjoy up  to 4 complimentary Green fees access per year and 1 complimentary Golf coaching/lesson per month at select Golf Courses in India
      • Enjoy up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels
      • Enjoy 25% flat discount on all bookings at Sarovar Hotels
      • Get up to 20% off on Hotels and Homestays at travelguru.com
      • Get up to  15% off on text classified and display classified at Bookmyad.com
      • Flat 30% off on Printvenue
  • Contactless Advantage
      • Daily purchases now made easy with SBI Card ELITE Business. Simply wave your card at a secure reader and your transaction is done. It’s fast, easy and incredibly convenient.
      • Fast & Convenient: No need to hand over your card or look for cash /coins for everyday small ticket purchases. Simply wave your card & go. It’s as fast & convenient as that.
      • Security: During a transaction the card never leaves your hand; significantly reducing the risk of card loss and fraud due to counterfeit (skimming). Even if the card is waved multiple times at the reader, the unique security key feature of Visa payWave will ensure that only one transaction goes through, thus making it more secure.
      • Please Click here to download the FAQ’s.
      • Please Click here to download the list of Merchants enabled for transactions.
  • Global Acceptance
      • SBI Card ELITE Business is accepted in over 24 million outlets across the globe, including 3,25,000 outlets in India
  • Fuel Surcharge Waiver
      • Get a 1% fuel surcharge waiver, on every transaction between Rs. 500 to Rs. 4,000, at any petrol pump across the country. Purchase fuel worth Rs. 500 to Rs. 4,000, to avail this benefit
      • Get a maximum surcharge waiver of Rs. 250 per statement cycle, per credit card account
  • Fraud Liability Cover
      • Get complimentary credit card Fraud Liability Cover of Rs. 2 lacs with the Organisation level limit of 20 Lacs.
      • Please call SBI Card helpline to report a fraud/Card loss, Dial 1860 180 1290 or 39 02 02 02 (prefix local STD code)
  • Cash Access Across the World
      • Withdraw cash from over 1 million Visa or MasterCard ATMs across the globe
  • Safe and Secure
      • Get enhanced security against counterfeiting and skimming with the chip and pin enabled SBI Card ELITE Business
  • Easy Bill Pay Facility
      • Pay your electricity, telephone, mobile and other utility bills using the Easy Bill Pay facility on your SBI Card ELITE Business
      • Click here to know more
  • Flexipay
      • With Flexipay, convert your transactions in easy monthly installments. Just transact for Rs. 2,500 or more using your SBI Card ELITE Business, and log in with your username and password to sbicard.com within 30 days of purchase to convert it into Flexipay
      • Click here to learn how to apply for Flexipay
  • Balance Transfer on EMI
      • Save money while paying your credit card dues
      • Transfer the outstanding balance of other banks’ credit cards to your SBI Card ELITE Business, to avail a lower rate of interest and pay back in EMIs
      • Log on to sbicard.com with your user ID and password to take benefit of this service
      • Click here to know more about Balance Transfer on EMI
  • Easy Money
      • With Easy Money, you can get a draft or cheque against your cash limit and get it delivered to your doorstep
      • Log in with your username and password to sbicard.com to book Easy Money
  • Fees
      • Annual Fee (one-time) :Rs. 4,999
      • Renewal Fee (per annum): Rs. 4,999 from second year onwards
      • Add-on Fee (per annum): Nil
  • Extended Credit
      • Interest free credit period: 20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full
      • Finance charges: Up to 3.35% per month, (40.2% per annum), from the date of transaction
      • Minimum amount due: 5% of Total Outstanding (Min. Rs. 200 + all applicable taxes + EMI ( In case of EMI based product) + OVL amount (if any)
  • Cash Advance
      • Cash advance limit: Up to 80% of the credit limit, with a maximum of Rs. 15,000 per day
      • Free credit period: Nil
      • Finance charges: Upto 3.35% per month (40.2% per annum), from the date of withdrawal
  • Cash Advance Fee
      • SBI ATMs or other ATMs: 2.5% of transaction amount, subject to a minimum of Rs. 300
      • International ATMs: 3% of transaction amount, subject to a minimum of Rs. 300
  • Other Charges
      • 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 Fee: Rs. 100 (Payments made via cheque upto Rs. 10,000)
      • Late payment:
        • NIL for Total Amount due from Rs.0-Rs.200;
        • Rs. 100 for Total Amount due greater than Rs. 200 & up to Rs. 500;
        • Rs. 400 for Total Amount due greater than Rs. 500 & up to Rs. 1000;
        • Rs. 600 for Total Amount due greater than Rs. 1000 & up to Rs. 10,000;
        • Rs. 800 for Total Amount due greater than Rs. 10,000 & up to Rs. 25,000;
        • Rs. 950 for Total Amount due greater than Rs. 25,000
      • Overlimit: 2.5% of overlimit amount subject to a minimum of Rs. 500
      • Card replacement: Rs. 100
      • Emergency card replacement, when abroad: Actual cost (subject to a minimum of $175)
      • Dynamic Currency Conversion: Markup Fee: 3.50% (For All Cards Except Elite) 1.99%(For Elite Cardholders Only) (Only for transactions greater than or equal to Rs. 1000)
      • Foreign currency transaction: Conversion mark up: 1.99%
      • Rewards redemption fee: Rs. 99
      • Priority Pass Lounge Charges : All Airport Lounge visits within India through the Priority Pass Program will be charged with usage fee of $27 per visit + applicable taxes. All Airport Lounge visits outside India through the Priority Pass Program, after exhausting the complimentary visits, will be charged with an usage fee of $27 per visit + applicable taxes. For more details, please visit sbicard.com All guests being accompanied by the SBI Cardholder having the Priority Pass, to visit the Airport Lounge will be charged with an usage fee of $27 per visit + applicable taxes.
      • Cash Payment Fee: Rs. 100
  • Surcharges
      • Railway tickets through counters: Rs. 30 + 2.5% of transaction amount
      • Railway tickets through irctc.co.in: 1.8% of transaction amount + service charge, as applicable
      • Petrol and other products or services sold at petrol pumps:    1% fuel surcharge waiver for each transaction between Rs. 500 and Rs. 4,000, exclusive of applicable taxes, wherever applicable, and all other charges. Maximum surcharge waiver of Rs. 250 per statement cycle, per credit card accounts.
        1% of transaction amount for transaction Amount Betweeen Rs. 500 to Rs. 4,000
  • Things to know
      • Cheques payable outside clearing the zones are not accepted. We accept payment through local cheques or drafts payable in Delhi only.
      • All taxes would be charged as applicable on all the above Fees, Interest & Charges.

      Your continued use of the card will be deemed acceptance of these amendments.

      For assistance, please call SBI Card helpline at:

      Dial 39 02 02 02 (prefix local STD code) or 1860 180 1290

      All information in this communication is correct as per July 2018 and is subject to change at the discretion of SBICPSL. SBI Card Most Important Terms and Conditions are also available at www.sbicard.com

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