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What comes into your mind when you hear the name "Tony Stark", aka the Iron Man? Is it his powerful & high-tech suit, his genius mind, or his flamboyant persona? Well, for this article, let's focus on Tony Stark—the billionaire. Why? Because, just like the kind of luxuries his money can buy for him, there exists a category of SBI credit cards that can let you enjoy multiple luxury rewards just by swiping them.
It's the SBI premium credit cards. If you've got an SBI premium credit card, you don't need a Stark-level bank balance to enjoy premium perks. This wallet-sized 'suit', aka a premium SBI credit card, can get you access to VIP airport lounges, dining at 5-star hotels with exclusive discounts, or front-row tickets for a concert without burning a hole in your pocket.
Just some simple swipes, and bam! Luxury benefits will be waiting for you. So, suit up to understand everything in detail about SBI premium credit cards. Let's explore the magic they offer.
Table of Contents:
- What Makes SBI Premium Credit Cards Stand Out?
- SBI Most Premium Credit Cards
- SBI Premium Credit Card Limit: How Much Can You Get?
- How to Apply for an SBI Premium Credit Card?
- Premium SBI Credit Card Eligibility Criteria
What Makes SBI Premium Credit Cards Stand Out?
Surely, it would feel good if you had a credit card that not only allows you to spend on your basic needs but also provides you with privileges and rewards for spending money. That's exactly what SBI premium credit cards bring to the table.
From complimentary airport lounge access that turns long layovers into a luxurious retreat to exclusive shopping and dining offers that make every outing special, these cards are the perfect combo of daily-life spending needs and exclusive rewards.
But the perks don't stop there. SBI premium credit cards offer reward points which you can redeem across a wide range of categories, including travel, lifestyle, and entertainment. Whether you're planning your dream vacation or treating your loved ones with a luxury purchase, these points make your swipes even more rewarding. Plus, with top-notch security for transactions and global acceptance, you can swipe with confidence no matter where you are.
Next, let's introduce SBI's most premium credit cards, each offering amazing rewards, luxurious perks, and personalised services for the cardholder. Let's explore these top-tier options in detail.
SBI Most Premium Credit Cards
Here are some of the most premium SBI credit cards:
1. SBI Card ELITE
With exclusive features such as complimentary lounge access, Elite Club memberships, and accelerated reward points for spending across categories like dining, shopping, and travel, the SBI card ELITE provides high value to its holders.
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Joining/Annual fees:
- Joining fee: ₹4,999
- Annual fee: ₹4,999 (waived off on spending ₹10 lakh in the previous year)
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Benefits:
- E-gift vouchers worth ₹5,000 as a welcome bonus
- ₹6,000 worth of free movie tickets every year (for at least 2 tickets per booking per month, and max. discount ₹250/ticket)
- Up to 50,000 bonus reward points worth ₹12,500/year
- 5X points on dining, departmental stores, and grocery spend
- 2 points per ₹100 on all other spends (except fuel)
- 1% fuel surcharge waiver across all petrol pumps on transactions between ₹500 to ₹4,000 (max. waiver is ₹250/month)
- 6 complimentary international airport lounge visits per year (max. 2 in a quarter)
- 2 complimentary domestic airport lounge visits every quarter
- 2 points on every ₹100 spent on international transactions
2. SBI Card PRIME
This card provides exclusive access to lounge facilities, concierge services, and attractive discount offers on select brands and retailers.
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Joining/Annual fees:
- Joining fee: ₹2,999
- Annual fee: ₹2,999 (waived off on spending ₹3 lakh in the previous year)
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Benefits:
- ₹3,000 worth of e-gift vouchers from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com
- 10 reward points per ₹100 spent on dining, groceries, departmental stores and movies
- 2 points per ₹100 on all other retail spend (except fuel)
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 across all petrol pumps (max. waiver is ₹250/month)
- ₹1,000 worth of Pizza Hut e-voucher on spending ₹50,000 in a quarter
- 4 complimentary international airport lounge access per year to International Priority Pass lounges (max. 2 in a quarter)
- 8 complimentary domestic airport lounge access per year (max. 2 in a quarter)
- 20 points per ₹100 spent on your birthday (capped at 2,000 points per year)
Learn everything about the rewards and benefits of the SBI Prime Credit Card.
3. Reliance SBI Card PRIME
This SBI premium credit card offers exclusive benefits for Reliance customers, including reward points on Reliance Digital, Trends, and Ajio purchases. It also provides discounts on movie tickets, dining, and milestone benefits.
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Joining/Annual fees:
- Joining fee: ₹2,999
- Annual fee: ₹2,999 (waived off on spending ₹3 lakh in the previous year)
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Benefits:
- Reliance Retail voucher worth ₹3,000 on payment of joining fees
- 10 reward points per ₹100 spent on the participating Reliance Retail stores
- 5 points per ₹100 spent on dining, movies and entertainment, domestic airlines and international spends
- 2 points per ₹100 spent on other retail purchases (except fuel, property rental, and wallet upload)
- 1 movie ticket (worth ₹250) a month on BookMyShow
- 8 complimentary domestic airport lounges per year (max. 2 in a quarter)
- 4 complimentary international airport lounges per year (max. 2 in a quarter)
- 1% fuel surcharge waiver across all petrol pumps in India for transactions between ₹500 and ₹4,000 (max. waiver ₹100 per statement cycle)
Get full insights on the rewards and benefits of the Reliance SBI PRIME Credit Card.
4. SBI AURUM Credit Card
The SBI AURUM credit card offers luxurious privileges, including complimentary Club Marriott membership, digital subscriptions to The Wall Street Journal and Mint, and access to the Angel Investment Network.
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Joining/Annual fees:
- Joining fee: ₹9,999
- Annual fee: ₹9,999 (waived off on spending ₹12 lakh in the previous year)
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Benefits:
- 40,000 AURUM Reward Points (ARP) (equivalent to ₹10,000) on payment of the joining fee
- Complimentary 1-year Club Marriott membership
- Complimentary 1-year digital subscriptions to The Wall Street Journal and Mint
- Complimentary 1-year membership to Inflection Point Venture (IPV) (worth ₹29,382)
- Unlimited complimentary access to 1,000+ international airport lounges with DreamFolks membership
- 4 complimentary domestic airport lounge visits per quarter
- 1 complimentary spa access every quarter at select airports (within India)
- 4 movie tickets worth ₹1,000 every month on BookMyShow (2 free tickets per booking) (max. discount ₹250 per ticket)
5. Air India SBI Signature
The Air India SBI Signature card offers premium travel benefits, including complimentary membership to the Air India Frequent Flyer program, accelerated reward points on Air India spends, and access to international and domestic airport lounges. It also provides discounts on Air India tickets.
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Joining/Annual fees:
- Joining fee: ₹4,999
- Annual fee: ₹4,999 (cannot be waived off)
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Benefits:
- 20,000 reward points on payment of the joining fee
- Complimentary membership of the Air India Frequent Flyer program—Maharaja ClubFlying Returns
- 4 points for every ₹100 spent
- 5,000 points as an anniversary gift every year
- Up to 30 points for every ₹100 spent on Air India tickets booked through its website or mobile app
- 30 points when booked for self and 10 points when booked for others
- 10 points for every ₹100 spent on Air India tickets for self or others, booked through its booking offices or call centres
- International airport luxury lounge access to 600+ airports with complimentary Priority Pass Program
- Complimentary Visa Lounge Access program at major domestic airports
- 8 complimentary visits per year to domestic VISA lounges (max. 2 in a quarter)
- 1% fuel surcharge waiver across all petrol pumps in India for transactions between ₹500 - ₹4,000 (max. waiver ₹250 per statement cycle)
SBI Premium Credit Card Limit: How Much Can You Get?
The credit limit on SBI premium cards varies based on different factors, such as the applicant's income, credit history (CIBIL), and overall financial profile. In short, the better your financial health, the higher the spending limit you can get. This means two people with the same card could get different credit limits due to their unique financial profiles.
Premium cards like the SBI Card ELITE and SBI AURUM typically offer higher credit limits. To determine your specific credit limit, it's advisable to apply and follow the bank's assessment process. Always remember that the exact credit limit isn't fixed; it's personalised.
How to Apply for an SBI Premium Credit Card?
Applying for a premium card by SBI is easier than you might think, and you have two convenient options to choose from:
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Online application:
- You can apply online by visiting the official SBI card website
- Simply browse through the options for a premium credit card by SBI and select your desired card, whether it's the SBI Card ELITE, SBI AURUM, or any other premium variant
- After choosing the card, click on "Apply Now"
- Fill in the basic details like your name, contact information, income, and employment status
- After filling, click on "Submit", and your application will then be processed
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Branch visit:
You can stop by your nearest SBI branch, where a bank representative will guide you through the application process. It's a great option if you have any questions or need help picking the best premium SBI credit card for your lifestyle. The staff will walk you through the features, benefits, and eligibility details to help you make the right choice.
Irrespective of how you apply, get all the necessary documents prepared for verification. Typically, you'll need to provide:
- Identity proof (such as an Aadhaar card, PAN card, or Passport)
- Address proof (like electricity bill, ration card, or Aadhaar)
- Income proof (salary slips, IT returns, or bank statements)
Keeping these documents handy will help you experience a smooth and quick application process. Additionally, SBI may check your credit history/score to assess your eligibility for a high-limit premium card.
If everything meets the criteria, you'll get approval for your credit card application and soon receive your premium SBI credit card at your doorstep.
Premium SBI Credit Card Eligibility Criteria
While specific criteria may vary depending on the card you wish to apply, general eligibility requirements are as follows:
- Age: An applicant should be between 18 and 70 years old and should be a resident of India
- Income: A stable monthly income meeting the minimum threshold set for the specific premium card
- Credit score: A good credit history with a high credit score enhances approval chances
- Employment: Both salaried and self-employed individuals are eligible, provided they meet the income and credit requirements
Fulfilling these requirements brings you one step closer to owning an SBI premium credit card and making the most of its perks.
Conclusion
Suppose you have the power to turn every purchase into a rewarding experience, whether it's a lavish dinner at a 5-star restaurant, a long-planned vacation, or even your daily grocery and other basic needs run. SBI premium credit cards can transform this imagination into reality while offering all kinds of exclusive benefits.
If you're a frequent traveller, you can enjoy complimentary airport lounge accesses that make your travel luxurious and even more relaxing. If you love shopping, you can get discounts, cashback offers, and accelerated reward points on your purchases. And if you're someone who enjoys "VIP" treatment, such as luxury dining experiences at world-class hotels, invites to elite events, or personalised concierge services, then there's a premium SBI credit card designed to offer this kind of lifestyle.
All you have to do is assess your needs, explore the card options, and choose an SBI super premium credit card that matches your aspirations.
Are you someone earning more than a lakh per month and looking for more premium credit card options? Check out our carefully curated list of exclusive cards tailored for high-income earners like you at Finology Select and enjoy unmatched SBI premium card benefits and rewards.
