SBI Card Elite vs SBI Card Prime
SBI Card · SBI Card — side-by-side CardCheck comparison
CardCheck Score BattleDeterministic 0–100 Benchmark Rating
100% Unsponsored MITC Data
SBI CardScoreVery Good
Annual Fee₹4,999
Max Reward2.5%
SBI CardScoreGood
Annual Fee₹2,999
Max Reward2%
SBI Card Elite leads overall with a CardCheck Score of 72/100 (+7 pts over SBI Card Prime).
4-Pillar Head-to-Head Breakdown
SBI vs SBIReward Power
35%SBI24/35
SBI24/35
Tie (24/35)
Fee Value & ROI
25%SBI18/25
SBI18/25
Tie (18/25)
Lounge & Travel
20%SBI18/20
SBI15/20
SBI Wins
Forex & Access
20%SBI12/20
SBI8/20
SBI Wins
01—CardCheck Score & Pillars
- CardCheck Score
- 72Best
- 65
- Rating Verdict
- Very Good
- Good
- Reward Power (35%)
- 24/35
- 24/35
- Fee Value & ROI (25%)
- 18/25
- 18/25
- Lounge & Travel (20%)
- 18/20
- 15/20
- Forex & Access (20%)
- 12/20
- 8/20
02—Basic Info
- Bank
- SBI Card
- SBI Card
- Network
- Visa
- Visa
- Card type
- Premium
- Premium
- Best for
- Travel and premium rewards
- Dining and grocery rewards
03—Fees
- Joining fee
- ₹4,999
- ₹2,999Best
- Annual fee
- ₹4,999
- ₹2,999Best
- Fee waiver
- ₹10,00,000
- ₹3,00,000Best
- Interest-free days
- 50
- 50
04—Interest
- APR (min)
- 42%
- 30%Best
- APR (max)
- 42%
- 42%
- Late payment fee
- ₹1,300
- ₹1,300
- Cash advance fee
- 2.5%
- 2.5%
05—Rewards
- Reward type
- points
- points
- Min rate
- 0.5%
- 0.5%
- Max rate
- 2.5%Best
- 2%
- Points / ₹100
- 5Best
- 2
- Point value
- ₹0.25
- ₹0.25
- Monthly cap
- ₹10,000
- —
06—Travel & Lounge
- Domestic lounge / qtr
- 2
- 2
- Lounge spend criteria
- No spend condition
- No spend condition
- Intl lounge / year
- 6
- —
- Priority Pass
- DreamFolks
07—Forex & Fuel
- Forex markup
- 1.99%Best
- 3.5%
- Fuel surcharge waiver
08—Features
- Metal card
- Contactless
- UPI linked
09—Eligibility
- Min income / month
- ₹50,000
- ₹30,000
- Invite only
Rows won
04of 08
04of 08
| Attribute ↓ | ||
|---|---|---|
01—CardCheck Score & Pillars Differences highlighted | ||
| CardCheck Score | 72Best | 65 |
| Rating Verdict | Very Good | Good |
| Reward Power (35%) | 24/35 | 24/35 |
| Fee Value & ROI (25%) | 18/25 | 18/25 |
| Lounge & Travel (20%) | 18/20 | 15/20 |
| Forex & Access (20%) | 12/20 | 8/20 |
02—Basic Info Differences highlighted | ||
| Bank | SBI Card | SBI Card |
| Network | Visa | Visa |
| Card type | Premium | Premium |
| Best for | Travel and premium rewards | Dining and grocery rewards |
03—Fees Differences highlighted | ||
| Joining fee | ₹4,999 | ₹2,999Best |
| Annual fee | ₹4,999 | ₹2,999Best |
| Fee waiver | ₹10,00,000 | ₹3,00,000Best |
| Interest-free days | 50 | 50 |
04—Interest Differences highlighted | ||
| APR (min) | 42% | 30%Best |
| APR (max) | 42% | 42% |
| Late payment fee | ₹1,300 | ₹1,300 |
| Cash advance fee | 2.5% | 2.5% |
05—Rewards Differences highlighted | ||
| Reward type | points | points |
| Min rate | 0.5% | 0.5% |
| Max rate | 2.5%Best | 2% |
| Points / ₹100 | 5Best | 2 |
| Point value | ₹0.25 | ₹0.25 |
| Monthly cap | ₹10,000 | — |
06—Travel & Lounge Differences highlighted | ||
| Domestic lounge / qtr | 2 | 2 |
| Lounge spend criteria | No spend condition | No spend condition |
| Intl lounge / year | 6 | — |
| Priority Pass | ||
| DreamFolks | ||
07—Forex & Fuel Differences highlighted | ||
| Forex markup | 1.99%Best | 3.5% |
| Fuel surcharge waiver | ||
08—Features Differences highlighted | ||
| Metal card | ||
| Contactless | ||
| UPI linked | ||
09—Eligibility Differences highlighted | ||
| Min income / month | ₹50,000 | ₹30,000 |
| Invite only | ||
| Rows won | 04of 08 | 04of 08 |
Quick Verdict & Key Differences
Verified MITC Data
| Key Specification | SBI Card Elite | SBI Card Prime |
|---|---|---|
| CardCheck Score | 72/100Very Good | 65/100Good |
| Annual Fee | ₹4,999 | ₹2,999 |
| Fee Waiver Spend | ₹10L/yr | ₹3L/yr |
| Max Reward Potential | 2.5% | 2% |
| Domestic Lounge Access | 2 / quarter | 2 / quarter |
| International Lounge | 6 / year | None |
| Forex Markup Fee | 1.99% | 3.5% |
Choose SBI Card Elite if:
Your spending centers around travel and premium rewards and you want direct partner rewards with SBI Card.
Choose SBI Card Prime if:
Your spending aligns with dining and grocery rewards and you prioritize SBI Card's redemption benefits.
Popular Comparisons for SBI Card Elite
Direct side-by-side MITC term matchups
Popular Comparisons for SBI Card Prime
Direct side-by-side MITC term matchups
Frequently asked questions: SBI Card Elite vs SBI Card Prime
- Which is better: SBI Card Elite or SBI Card Prime?
- SBI Card Elite holds a higher overall rating with a CardCheck Score of 72/100 (Very Good) compared to 65/100 (Good) for SBI Card Prime (a lead of +7 points). SBI Card Elite gains its scoring lead primarily through forex & terms (12 vs 8) and lounge & travel privileges (18 vs 15) while tying on reward potential and fee value & ROI.
- How do annual fees and fee waiver spend rules compare?
- SBI Card Elite charges an annual fee of ₹4,999 with an annual spend threshold of ₹10 Lakh for renewal fee waiver. In comparison, SBI Card Prime charges an annual fee of ₹2,999 with an annual spend threshold of ₹3 Lakh.
- How do the reward rates and cashback compare between SBI Card Elite and SBI Card Prime?
- SBI Card Elite offers a base reward rate of 0.5% and up to 2.5% on accelerated partner categories. Meanwhile, SBI Card Prime offers a base rate of 0.5% and up to 2% on eligible spends. Compare net returns against your monthly spend in our Rewards Calculator.
- Which card has better airport lounge access: SBI Card Elite or SBI Card Prime?
- SBI Card Elite provides 2 complimentary domestic lounge visits per quarter (8/year) and 6 international lounge visits/year with Priority Pass. On the other hand, SBI Card Prime provides 2 complimentary domestic lounge visits per quarter (8/year) and DreamFolks lounge access.
- Which card is better for international foreign currency spends?
- SBI Card Elite levies a foreign currency markup fee of 1.99%, while SBI Card Prime charges 3.5%. Lower forex markup directly reduces costs when transacting overseas or on international e-commerce platforms.
- Is CardCheck's comparison data unbiased and verified against official bank MITC?
- Yes. All credit card fees, interest rates, lounge visit quotas, and reward calculations on CardCheck are 100% unsponsored and verified directly against each bank's official Most Important Terms & Conditions (MITC).