SBI Card · Premium
SBI Card ELITE
Where it ranks across all 187 cards
#23 Dining out
2.5%
direct
#27 Groceries
2.5%
direct
#56 Insurance
0.5%
direct
#59 Education
0.5%
direct
#66 Utility bills
0.5%
direct
#80 Jewellery & watches
0.5%
direct
#87 Gaming
0.5%
direct
#95 Mobile / broadband
0.5%
direct
#104 Train tickets
0.5%
direct
#110 Cabs & transit
0.5%
direct
#117 Health & pharmacy
0.5%
direct
#119 Other
0.5%
direct
#120 Electronics
0.5%
direct
#123 Hotels
0.5%
direct
#124 Flights
0.5%
direct
#127 Online shopping
0.5%
direct
#128 Movies & events
0.5%
direct
#128 Fashion
0.5%
direct
#129 Food delivery
0.5%
direct
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SBI RP ₹0.25 across catalogue/statement (bank)
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules2 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: SBI ELITE MITC - sbicard.com - read 20 Aug 2026
10 RP/₹100 on dining, departmental stores & grocery (bank brands this 5X)
2.50%this rule
10 pts / ₹100
source
Source: SBI Card ELITE T&C (bank PDF) - sbicard.com - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Fuel
earns nothing
Petrol pumps/service stations excluded (ELITE booklet lists no MCC codes).
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel
Source: SBI Card ELITE T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded (bank rewards FAQ).
→ use SC Ultimate here (3.3%)
detail & source
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card rewards FAQ (bank site) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent excluded w.e.f. 1 Apr 2024 (ELITE on the bank card list).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: SBI Card rent-exclusion card list w.e.f. 1 Apr 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
1 Jun 2024 (bank card list).
categories: Government / tax · MCCs: 9399, 9311
Source: SBI Card govt-exclusion card list w.e.f. 1 Jun 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: SBI Card ELITE T&C booklet (bank PDF) - sbicard.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.