{
  "id": "sbi-elite",
  "locale": "en",
  "name": "SBI Elite Credit Card",
  "bank": "SBI Card",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹4,999 + GST",
  "loungeAccess": "8 domestic visits/yr (max 2/qtr); 6 international Priority Pass visits/yr outside India (max 2/qtr)",
  "rewardsRate": "10 points / ₹100 on dining, groceries and departmental stores · 2 points / ₹100 other retail",
  "bestFor": "Cinema enthusiasts, international travelers needing 1.99% forex markup, and frequent lounge users",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html",
  "aiVerdict": {
    "score": 2.9,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹4999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "sbi-elite",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.sbicard.com/en/personal/credit-cards/sbi-card-elite.html",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/personal/credit-cards/lifestyle/sbi-card-elite/elite-terms-and-conditions-2016.pdf",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf"
  ],
  "feeWaiver": "Waived at ₹10,00,000 annual spend",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹4,999 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "₹10 lakh or more annual spend in preceding year"
    },
    {
      "key": "Movie benefit",
      "value": "Up to ₹500 off on min. 2 tickets once a month on BookMyShow"
    },
    {
      "key": "Forex markup",
      "value": "1.99% + taxes"
    },
    {
      "key": "Domestic lounge",
      "value": "8 visits / year (max 2 / quarter)"
    },
    {
      "key": "International lounge",
      "value": "6 Priority Pass visits / calendar year outside India (max 2 / quarter)"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, groceries & departmental stores",
      "rate": "10 points / ₹100",
      "monthlyCap": "10,000 points per calendar month; then 2 points / ₹100"
    },
    {
      "category": "International retail spends",
      "rate": "2 points / ₹100"
    },
    {
      "category": "Other eligible retail spends",
      "rate": "2 points / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining, groceries & departmental stores",
      "multiplier": "5×",
      "rate": "10 points / ₹100",
      "monthlyCap": "10,000 points per calendar month",
      "note": "Base 2 points per ₹100 applies after reaching the monthly cap."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Fuel purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) do not earn reward points.",
    "Wallet loading transactions (MCC 6540, 6541) do not earn reward points.",
    "Priority Pass visits inside India are charged at standard rates (USD 27+ taxes).",
    "Convenience fees on BookMyShow tickets are excluded from the discount."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹4,999 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹4,999 + applicable taxes; reversed after at least ₹10 lakh annual spend in the preceding year"
    },
    {
      "item": "Forex markup",
      "value": "1.99% + applicable taxes"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "1% on ₹500–₹4,000 transactions; maximum ₹250 per statement cycle"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}