SBI Card ELITE

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.

Amex variant

Same fees, eligibility, and core reward rates as the Visa ELITE, but this variant carries American Express-specific privileges not available on the other networks: up to 25% off at partner restaurants and VIP hotel upgrades via the Tablet Plus membership. It does not carry the Mastercard variant's golf benefit or Lalit hotel discount, or the Visa variant's Hertz/Avis car-rental discounts.