Central Bank of India SBI Card Elite
MyRupaya Ratings
उत्पाद विवरण
क्रेडिट कार्ड का नाम
Central Bank of India SBI Card Elite
Bank Name :
State Bank Of India
प्रकार
Rewards Credit Card
ब्याज दर
3.50% per month (42% per annum) from the transaction date.
पात्रता
Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.
पेशेवरों
Welcome Benefit: Users will get a welcome gift voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com
Reward System: Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.
Milestone Benefits: Users will get 15,000 bonus reward points on achieving annual spends of INR 5 lakhs and INR 8 lakhs. Spend-based reversal of annual fee on spends of INR 10 Lakhs.
Free Trident Privilege Red Tier membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional INR 1,000 hotel credit on extended night stay.
Free Club Vistara Silver membership. 1 free upgrade voucher. 9 Club Vistara points for every INR 100 spent on Vistara flights.
6 free visits per calendar year to International priority pass lounges, outside India (max. 2 visits per quarter).
8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).
20 reward points per INR 100 spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 Reward points per calendar year),
Low forex markup of 1.99%.
Exclusive concierge service: Dedicated assistance on flower delivery, gift delivery, and online doctor consultation.
Free movie tickets worth INR 6,000 every year. Maximum permissible discount of INR 250 per ticket.
दोष
Low general cashback rate.
पक्ष विपक्ष
Welcome Benefits
Welcome Benefit: Welcome gift voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com.
पुरस्कार प्रणाली
Reward System: Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.
अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
1.99%
स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
Free Club Vistara membership.
Eligibility Criteria
Age: 18 years to 60 years old.
Occupation: Salaried or self-employed.
Credit Score: Good credit history is preferred.
फ़ायदे
Great travel benefits.
Free movie tickets.
Free domestic and international lounge visits.
विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
There are three major ways to apply for the Central Bank Of India SBI Card Elite:
1. Online:
This is fast and easy method.
Visit the SBI Card website.
Choose the "Credit Cards" tab and navigate to Central Bank Of India SBI Card Elite.
Click on "Apply Now" button and fill out the online application form with all your details.
Upload the requisite documents, such as proof of identity, proof of address, and proof of income.
Submit the application form.
2. Offline:
This method involves visiting a Central Bank Of India branch.
Ask for the Central Bank Of India SBI Card Elite application form.
Fill out the form with all of your details.
Attach the requisite documents.
Submit the application form to the bank.
3. By Phone:
Contact the SBI Card helpline at 1860-180-1290 or 3902-0202.
Request for an Central Bank Of India SBI Card Elite application form.
The bank will then send you the form by courier.
Fill out the form with all of your details.
Attach the requisite documents.
Send the completed application form back to the bank.
सम्पर्क करने का विवरण
l 1860 500 1290, 1860 180 1290, 39 02 02 02(Prefix local the STD code) or 1800 180 1290 (Toll Free)
खाता खोलने की प्रक्रिया और प्रक्रिया
विशेष विशेषता, पात्रता और लाभ
Pros:-
Change the text to include your own content. Adjust the font, size or scale to customize the style.
Cons:-
Welcome Benefit: Users will get a welcome gift voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop and Yatra.com
Reward System: Users will get 5 reward points per INR 100 spent on dining, groceries, and departmental stores. Value of 1 reward point = INR 0.25. Effective special cashback rate: 1.25%. 2 reward points per INR 100, on all other spends. Value of 1 reward point = INR 0.25. Effective general cashback rate: 0.5%.
Milestone Benefits: Users will get 15,000 bonus reward points on achieving annual spends of INR 5 lakhs and INR 8 lakhs. Spend-based reversal of annual fee on spends of INR 10 Lakhs.
Free Trident Privilege Red Tier membership. Exclusive 1,000 welcome points on registration and 1,500 bonus points on first stay & additional INR 1,000 hotel credit on extended night stay.
Free Club Vistara Silver membership. 1 free upgrade voucher. 9 Club Vistara points for every INR 100 spent on Vistara flights.
6 free visits per calendar year to International priority pass lounges, outside India (max. 2 visits per quarter).
8 complimentary visits per calendar year to domestic lounges in India (max. 2 visits per quarter).
20 reward points per INR 100 spent on the birthday (reward points on the birthday spend (one day before, on the birthday and one day after) is capped at 2000 Reward points per calendar year),
Low forex markup of 1.99%.
Exclusive concierge service: Dedicated assistance on flower delivery, gift delivery, and online doctor consultation.
Free movie tickets worth INR 6,000 every year. Maximum permissible discount of INR 250 per ticket.
Low general cashback rate.
The card offers all most everything, free movies, free airport lounge visits, value add benefits such as free membership to Club Vistara Silver Tier, great welcome benefits and milestone benefits. The only thing lacking is a good cashback rate. The cashback rate offered by the card is very low.
Central Bank of India SBI Card Elite Review
Abhijeet Saxena
Abhijeet Saxena
Nalsar University of Law
Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi
Ex - Khaitan & Co. Bengaluru,
Ex - National Stock Exchange, Mumbai,
Ex - Argus Partners, Mumbai
उत्पाद समीक्षा
फीस एवं प्रभार
Annual Fee (one time): INR 4,999 + Taxes
Renewal Fee (per annum): INR 4,999 + Taxes.
Cash Advance fees: 2.5% or Rs. 500
Interest Rate: Up to 3.50% per month (42% per annum)
Late Payment charges: 0 to 1300.
Reward Redemption Fees: INR 99/- per redemption.
ईंधन अधिशुक्ल
1% Fuel surcharge waiver for each transaction between Rs.500 and Rs.4,000. Maximum surcharge waiver of Rs.250 per statement cycle, per credit card account.
Billing Cycle
30 Days