Head-to-head · 🇮🇳 India
SBI ELITE vs SBI Prime
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
SBI Card
SBI ELITE
Wins 3 of 10
IN
SBI Card
SBI Prime
Wins 6 of 10
Verdict
SBI Prime wins 6-3. Step up from SimplyClick with lounge access. SBI ELITE is still the right call if mid-premium sbi card with strong club benefits..
Side-by-side
| Criterion | SBI ELITE | SBI Prime |
|---|---|---|
| Annual fee | · ₹4,999 | ₹2,999 |
| Joining fee | · ₹4,999 | ₹2,999 |
| Top reward rate | · 2% (general) | 5% (shopping) |
| Base reward rate | 2% | · 1.25% |
| Forex markup | 1.99% | · 3.5% |
| Welcome bonus | = 5,000 bonus reward points + ₹5,000 e-gift voucher | = ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra) |
| Fee waiver threshold | · ₹1,000,000 / yr | ₹300,000 / yr |
| Min income | · ₹600,000 | ₹480,000 |
| Min credit score | · 770 | 750 |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
SBI ELITE
- 2 reward points per ₹100
- Free movie tickets (BookMyShow) up to ₹6K/year
- 6 international + 8 domestic lounge visits/year
- Club Vistara Silver + Trident Privilege Red
- Milestone benefits at ₹3L, ₹4L, ₹5L
SBI Prime
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
FAQ
›SBI ELITE vs SBI Prime: which is better?
SBI Prime wins on more dimensions (6 vs 3). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use SBI ELITE for its best categories, SBI Prime for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
SBI ELITE: 5,000 bonus reward points + ₹5,000 e-gift voucher. SBI Prime: ₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra).