Best Premium Credit Card For March 2023 – Forbes Advisor INDIA

The SBI Elite Credit Card has three variants as a result of collaboration between SBI and VISA, Mastercard and American Express, with slightly different facilities. It comes with various insurance coverage and various other perks for the traveling person.

  • • E-gift voucher worth INR 5,000 from any of the following brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop and
  • • 5X reward points on dining, department store and grocery purchases.
  • • 2 reward points per INR 100 on all other purchases.
  • • No reward points for fuel.
  • • 1% surcharge for fuel will not be charged (government service tax will be charged) up to a maximum amount of INR 250. After this amount, additional surcharges will apply.
  • • Complimentary Club Vistara Silver membership

1. One upgrade voucher.
2. Nine Club Vistara points for every INR 100 spent on Vistara flights.
3. Offer only valid for primary cardholders.

  • • There are 10,000 bonus reward points for spending between INR 3 lakh and 4 lakh in a year.
  • • 15,000 bonus prize points for spend between INR 5 lakh and 8 lakh in a year.
  • • There is no annual fee for spending INR 10 lakh.
  • • Lounges with international priority access are available four times a year but cardholders can take advantage of a maximum of two visits per quarter.
  • • Domestic lounges in India can be visited eight times a year, but again like international lounges they can be accessed twice per quarter.
  • • This offer is only available for primary cardholders.
  • • Trident Privilege Red Tier membership for SBI Elite credit card users.
  • • One gets 1,000 welcome points on registration.
  • • 1,500 bonus points on the first stay and an additional INR 1,000 in hotel credit on extended night stays.
  • • 2 reward points for every INR 100 spent on International transactions.
  • • Help with flower delivery, gift delivery, online doctor consultation, among others.
  • • Coverage of INR 1 lakh covering fraudulent purchases on this card is provided by the company.
  • • This coverage is valid for a period of 48 hours prior to reporting to seven days after reporting loss, every other transaction will be charged.
  • • Air accident liability coverage of INR 1 crore for primary account holders only.

Mastercard/VISA/American Express privileges

The SBI Elite Credit Card has three variants and all three provide certain facilities. Below are facilities specific to certain cards.


1. One free lesson per month at selected golf courses across India.
2. Four rounds of free green fee access (a green fee is a fee golfers pay to gain access to the course).
3. 50% discount on golf games.
4. 15% discount on the best available room rate and up to 15% discount on food and beverages at Hotel Lalit.


1. Up to 10% discount on Hertz cars.
2. Up to 35% of the rental price of Avis Car Rentals.
3. Various benefits in 900 luxury hotels around the world.

American Express

1. American Express Dining Platform: Up to 25% off various dining offers.
2. Tablet plus free membership: Access to upgrades and VIP privileges at hotels around the world.

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