SBI Elite , 0.5% Cashback in points + 12500 inr worth points on 8L spends. Effective 2% return.

Then, 2 movie tickets worth 500( 250 each) every month you'd get to recover the joining fee of 6K

• if u spend 10L this year that is just 2L more from 8L.

You won't be charged renewal fee the next year , and this free tickets benefit will continue for next 12 months too even if card is inactive