SBI Card ELITE

Visa variant

SBI also issues ELITE on Mastercard, RuPay, and American Express. Fees, eligibility, and lounge access are identical across all four networks. Mastercard adds exclusive complimentary golf and The Lalit hotel discounts; RuPay adds UPI-app linking (not usable for P2P transfers); Amex adds exclusive partner-restaurant discounts and Tablet Plus hotel upgrades — none of these network-specific perks carry over to this Visa edition.

Mastercard variant

Same fees, eligibility, and core reward rates as the Visa ELITE, but this is the only network variant with complimentary golf (4 green-fee rounds, up to 50% off games, and 1 lesson/month at select courses) and an exclusive discount of up to 15% at The Lalit hotels and F&B outlets. It does not carry the Visa variant's Hertz/Avis car-rental discounts or the Amex variant's 25% dining discount.

RuPay variant

Same fees, eligibility, and core reward rates as the Visa ELITE. The distinguishing feature is UPI linkage (Google Pay, PhonePe, Paytm etc.) via the RuPay network — note RuPay credit cards cannot be used for UPI person-to-person transfers, only merchant payments. Despite the RuPay Select branding, the golf and Lalit hotel perks exclusive to the Mastercard variant are not confirmed on this variant. Existing ELITE cardholders on other networks can convert to RuPay via IVR without a fresh application.