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Credit CardsComparisons

SBI Card PRIME vs SBI Card ELITE

A head-to-head comparison of SBI Card PRIME and SBI Card ELITE across fees, rewards, and spending categories to help you decide which card suits your wallet better.

PremiumCard A

SBI Card PRIME

Dining & Lounge Lovers

Annual Fee
₹2,999
Reward Rate
10 RP per ₹100 on dining & movies
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PremiumCard B

SBI Card ELITE

Mid-Tier Premium

Annual Fee
₹4,999
Reward Rate
5X on dining + milestone benefits
Apply Now Read full review →

Feature comparison

FeatureSBI CardSBI Card
Annual Fee₹2,999 + GST (Waived on ₹3L annual spend)₹4,999 (Waived on ₹10L spend)
Reward Rate10 RP per ₹100 on dining & movies5X on dining + milestone benefits
Best ForDining & Lounge LoversMid-Tier Premium
First-Card Friendly
Lounge Access
Zero Forex Markup

Spending category coverage

Which categories does each card reward?

CategorySBI CardSBI Card
Groceries
Dining
Movies & entertainment
Airport lounge access

Quick verdict

Choose SBI Card PRIME if:

  • Lower annual fee (₹2,999 vs ₹4,999)
  • You spend heavily on groceries

Choose SBI Card ELITE if:

    Full pros & cons

    SBI Card PRIME

    What's good
    • 10 RP per ₹100 on dining, groceries, departmental stores & movies (2.5% effective value at ₹0.25/point)
    • 8 domestic lounge visits/year (max 2/quarter) + 4 international via Priority Pass (max 2/quarter)
    • Welcome e-gift vouchers worth ₹3,000 (Shoppers Stop, Bata, Pantaloons, Yatra, etc.)
    Watch out for
    • Base earn rate on non-accelerated categories is only 2 RP per ₹100 (0.5% value)
    • Fuel transactions are completely excluded from earning reward points
    • Quarterly milestone Pizza Hut voucher (₹1,000 on ₹50K spend) requires consistent high spending
    Apply Now

    SBI Card ELITE

    What's good
    • 2 free movie tickets every month via BookMyShow (up to ₹250/ticket)
    • Solid annual milestone bonuses
    • International lounge access via Priority Pass (6 visits/year, max 2/quarter)
    Watch out for
    • Lounge access count is limited compared to true premium cards
    • Trident hotel membership discontinued — only 10% dining discount remains
    • Reward points expire and must be actively redeemed
    Apply Now
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