{
  "id": "sbi-elite",
  "locale": "hinglish",
  "name": "SBI Elite Credit Card",
  "bank": "SBI Card",
  "cardType": "premium",
  "cardTier": "super-premium",
  "annualFee": "₹4,999 + GST",
  "loungeAccess": "Saal mein 8 domestic visits (max 2/qtr); Priority Pass se India ke bahar 6 international visits (max 2/qtr)",
  "rewardsRate": "Dining, grocery aur departmental stores par 10 points / ₹100 · baaki retail par 2 points / ₹100",
  "bestFor": "Cinema lovers, 1.99% forex markup chahne wale international travelers aur regular 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": "₹10,00,000 annual spend complete karne par fee waive",
  "networks": [
    "Visa",
    "Mastercard"
  ],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹4,999 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "Pichhle saal kam se kam ₹10 lakh spend"
    },
    {
      "key": "Movie benefit",
      "value": "BookMyShow par min. 2 tickets par up to ₹500 off once a month"
    },
    {
      "key": "Forex markup",
      "value": "1.99% + taxes"
    },
    {
      "key": "Domestic lounge",
      "value": "Saal mein 8 visits (max 2 / quarter)"
    },
    {
      "key": "International lounge",
      "value": "Priority Pass se India ke bahar saal mein 6 visits (max 2 / quarter)"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, groceries & departmental stores",
      "rate": "10 points / ₹100",
      "monthlyCap": "Har calendar month 10,000 points; phir 2 points / ₹100"
    },
    {
      "category": "International retail spends",
      "rate": "2 points / ₹100"
    },
    {
      "category": "Baaki eligible retail spends",
      "rate": "2 points / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining, groceries & departmental stores",
      "multiplier": "5×",
      "rate": "10 points / ₹100",
      "monthlyCap": "Har calendar month 10,000 points",
      "note": "Monthly cap ke baad base 2 points per ₹100 milte hain."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Petrol pump transactions (MCC 5172, 5541, 5542, 5983) par points nahi milte.",
    "Wallet loading transactions (MCC 6540, 6541) par points nahi milte.",
    "India ke lounges mein Priority Pass use karne par charge (USD 27 + taxes) lagta hai.",
    "BookMyShow convenience fees discount mein cover nahi hoti."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹4,999 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹4,999 + applicable taxes; pichhle saal kam se kam ₹10 lakh spend par reverse"
    },
    {
      "item": "Forex markup",
      "value": "1.99% + applicable taxes"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "₹500–₹4,000 transactions par 1%; statement cycle max ₹250"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}