SBI Elite Card vs SBI Prime Card
Last Updated : Feb. 25, 2025, 12:33 p.m.
SBI is one of the major credit card issuers in India. It offers premium and basic credit cards across different categories for various uses. SBI Card Elite and SBI Card Prime are two popular premium credit cards from SBI, which individuals look for. Both these credit cards have almost the same features and benefits, and thus people are left pondering over which one to choose. They offer a sea of exclusive benefits like travel perks, lifestyle privileges, etc. So, if you are thinking of choosing one of these credit cards, then you must compare their features and choose the one that benefits you the most. Before applying for either of the cards, it is ideal to check your credit score. You can do a free credit score check and view your credit report for free on Wishfin. Let us now draw out the similarities and differences between these 2 cards in this article titled “SBI Elite Card Versus SBI Prime Credit Card”.
Comparison of SBI Elite Credit Card and SBI Prime Credit Card
SBI Card Elite
SBI Card Elite is an all round card. It offers a wide array of benefits for those travel enthusiasts. Further, cardholders can earn good rewards on their daily spends like dining, groceries, departmental stores, movies, and other spends. The card is issued in 3 variants - Amex, Visa, and Mastercard. The joining fee is quite high, however the card is worth the annual fee if you travel frequently and spend a lot on shopping, dining etc. The card offers various welcome vouchers, milestone benefits, accelerated reward points, lounge access both international and domestic, lowest foreign currency mark-up charge on international usage, and exclusive concierge services. However, it can also be said that the annual fee is high and the reward rate is low.
SBI Card Prime
SBI Card Prime is amongst the most premium credit cards issued by SBI card. Like SBI Card Elite, it also comes in three variants - Visa, Mastercard, and American Express. This card is a highly worthy one to have in your purse. It has a low joining fee yet gives a maximum number of perks. A huge number of reward points are obtained on travel, dining, etc., and the card comes loaded with a good number of exclusive privileges.
Let us now compare the features and benefits of both the cards side by side
| Parameter | SBI Card Elite | SBI Card Prime |
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Joining or renewal fee |
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Interest free credit period |
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ATM Cash withdrawal charges |
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Foreign currency markup charges |
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Renewal fee waiver |
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Welcome gift |
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Rewards |
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Milestone benefits |
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Lounge access |
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Lifestyle and entertainment benefits |
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Special benefits |
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Compare the Cards Based on their Eligibility
| Parameter | SBI Elite Credit Card | SBI Card Prime |
|---|---|---|
Minimum age of applicant | 21 years | 21 years |
Maximum age of the applicant | 70 years | 70 years |
Minimum salary required | Individual must have a stable income | Individual must have a stable income |
Credit score | 750 and above | 750 and above |
Citizenship | Must be a citizen of India | Must be a citizen of India |
What Card Should You Choose?
The card that you must choose depends on your lifestyle and spending habits. If you are a frequent movie watcher or an air traveler, then you can choose the SBI Elite credit card since you get complimentary movie tickets and complimentary memberships. If you are a frequent traveler and spend huge, then you can benefit from the high reward rate and other travel perks.
Conclusion
You have seen the major differences between SBI Elite Card vs SBI Card Prime and now it will be easy for you to choose only one credit card . First, you must analyze the need for the card and then compare your needs with these cards. The card that fits the best with your needs is the one suitable for you. So the ball is in your court and you will have to take the final decision.
Frequently Asked Questions (FAQs)
