Confused about the SBI Credit Card selection? State Bank of India offers plenty of Credit Card options to customers seeking to access various benefits of the credit card. If you are planning to apply for an SBI Credit Card that provides all sorts of benefits in a variety of categories, you can choose between SBI Elite Credit Card and SBI PRIME Credit Card. Both these credit cards offer a myriad of welcome benefits, exclusive offers, and reward points to the cardholders while shopping, travel, movies, and much more.
SBI Elite and SBI Prime are two different types of lifestyle credit cards offered to customers. Wondering which credit card to choose between the two? Well, for people who are muddled between the two cards, we help you in picking the right card that befits your requirements. In this article, we furnished a tabular form that comprises the SBI Elite Card Vs Prime Card comparison of benefits, features, eligibility, and fee particulars. Have a glimpse!
Table of Contents
SBI Elite Credit Card
SBI Elite is an all-in-one premium credit card that offers a plethora of benefits to customers in a variety of categories such as travel, movies, shopping, and more. The customers who apply for this credit card can enjoy exclusive benefits, unlimited offers, unique reward points, and more. People can get several reward points upon spending their credit limit on dining, grocery items, travel, and more. If you are a huge shopping lover and spend so much every month then, SBI Elite Credit Card is the right card for you, folks.
SBI Prime Credit Card
SBI Prime Credit Card is another best credit card that offers great privileges to the customers while spending on different categories such as travel bookings, shopping, utility bill payments, and more. Cardholders who spend huge amounts through the credit card on groceries, departmental stores, dining, and more can get exclusive reward points. As both the cards serve the same purpose, people might get confused between SBI Card Elite Vs Prime. However, there will be some noteworthy differences between the two credit cards.
SBI Elite Credit Card Vs SBI Prime Credit Card
This is an in-depth article that gives you a clear explanation of benefits, eligibility, and fee differences between the SBI Elite Card Vs SBI Prime Card. If you want to know the key differences between the two lifestyle credit cards then, you must go through this comparison article. Check it out!
Cardholders can get exclusive reward points, welcome benefits, and a lot more through the SBI Elite and SBI PRIME credit cards. Customers can access crucial benefits in a variety of categories such as entertainment, lifestyle, travel, and more. Whenever the cardholders make purchases in any of the categories including movies, dining, entertainment, fuel, etc., the customers can get cashback offers, reward points, and a lot more benefits. We have curated the list of significant benefits of SBI Prime Vs SBI Elite. Have a glance!
|Key Benefits||SBI ELITE Credit Card||SBI PRIME Credit Card|
Exclusive E-Gift Voucher of Rs. 5000 from top brands listed below:
Aditya Birla Fashion
|Enjoy welcome bonus of about Rs. 3000 from the top brands listed below:|
Marks and Spencer
|Milestone Benefits||Get up to 50000 Bonus Reward Points worth Rs. 12500 per annum|
Gain 10000 bonus reward points upon accomplishing yearly expenditure of Rs. 3 Lakhs and 4 Lakhs
|Avail Pizzer Hut e-voucher worth Rs. 1000 upon spending an amount of Rs. 50000 in a quarter year.|
Get an E-Gift Voucher worth Rs. 7000 from Pantaloons or Yatra.com upon an annual expenditure of Rs. 5 Lakhs
Avail a renewal fee waiver upon a yearly expenditure of Rs. 3 Lakhs
|Rewards||Obtain 5X ELITE Reward Points on grocery expenditure, dining, departmental stores, etc.|
Get 2 Reward Points upon spending Rs. 100 on various things except for fuel
|Acquire 10 PRIME Reward Points per Rs. 100 spent on departmental stores, movies, grocery items, and dining|
Get 20 reward points per Rs. 100 spent on your birthday expenditure
|Airport Lounge Accessibility|
Get both domestic and international lounge access with a complimentary membership program.
Enjoy 2 complimentary domestic airport lounge visits quarterly in India.
Get $99 worth of complimentary membership to the Priority Pass Program. Gain 6 Complimentary Airport Lounge visits per calendar year – 2 visits per quarter outside India
Offers access to more than 1000 airport lounges globally
|Get 4 complimentary visits per calendar year to International Priority Pass Lounges – 2 visits per quarter outside India.|
Avail 8 complimentary visits per calendar year to domestic Lounges in India – maximum of 2 visits per quarter.
|Entertainment & Lifestyle||Get free movie tickets worth Rs. 6000 annually|
Enjoy complimentary Club Vistara Silver membership with a complimentary upgrade voucher.
Gain 9 Club Vistara Points on the expenditure of Rs. 100 spent on Vistara flights
Enjoy Trident Privilege Red Tier Membership that offers 1000 welcome points on registration.
|Get 1 Upgrade Voucher to the complimentary club Vistara silver membership access.|
Acquire 9 club Vistara points on every Rs. 100 spent on Vistara flights
Enjoy complimentary Trident Privilege Red Tier Membership and gain 1000 welcome points upon registration.
On the first stay and additional, cardholders can enjoy 1500 bonus points and Rs. 1000 hotel credit on an extension of the night stay.
Want to know the eligibility guidelines of SBI Card Prime Vs Elite? Well, the applicants need to meet certain eligibility rules and conditions if they are willing to apply for either of the credit card online. Once you get to know the eligibility criteria, you can have an idea about the credit card that befits your requirements. Check it out!
|Eligibility Criteria||SBI ELITE Credit Card||SBI PRIME Credit Card|
|Applicant’s Age [Minimum]||21 Years||21 Years|
|Applicant’s Age [Maximum]||70 Years||70 Years|
|Applicant’s Nationality||Must be an Indian Citizen||Must be an Indian Citizen|
|Applicant’s CIBIL Score||750 * Above||750 * Above|
|Applicant’s Income||Applicant must have a secured job with a stable income||Applicant must have a secured job with a stable income|
3. Fees And Charges
SBI levy certain charges and fees on the cardholders who have applied for the SBI Prime or SBI Elite credit cards. It includes the joining fee, renewal fee annually, and other additional charges. Get to know the complete information about the SBI Elite Card Vs SBI Prime Card fee particulars in this comparison article. Here are the complete fee details of SBI Prime Vs Elite Credit Cards listed in the tabular form:
|Fee Particulars||SBI ELITE Credit Card||SBI PRIME Credit Card|
|Joining Fee [One-Time]||Rs. 4999||Rs. 2999 along with Taxes|
|Renewal Fee [Per Annum]||Rs. 4999 from 2nd year onwards||Rs. 2999 along with taxes from 2nd year onwards|
|Add-on Fee [Per Annum]||Nil||Nil|
|Waiving Off Amount||The annual renewal fee will be reversed upon spending Rs. 10 lakhs in a year||The annual renewal fee will be waived off upon spending Rs. 3 lakhs in a year|
|Over-limit Charges||2.5% alongside a minimum of Rs. 500||2.5% alongside a minimum of Rs. 500|
|Interest-Free Credit||20 to 50 Days||20 to 50 Days|
|Foreign Currency Markup Charges||1.99%||3.5%|
|ATM Cash Withdrawal Charges||2.5% with a minimum of ₹500||2.5% with a minimum of ₹500|
Well, this is everything you need to know about the SBI Elite Card Vs Prime Card. We assume this guide about the comparison between the SBI Prime vs SBI Elite has given adequate information. Through this article, we have covered the key differences between credit cards in terms of eligibility criteria, benefits, fees, etc. It might be arduous for the applicants to pick the right credit card among the plenty of options provided by SBI.
To evade your difficulty, we have come up with this comparison article between SBI Card Elite Vs Prime. As you have seen the eligibility and fee details, you can now narrow down your preferences and select your preferred credit card keeping your basic needs in mind. The final decision remains with you as we have explained every possible aspect in detail. For more doubts and queries, feel free to ask us in the comments space. Stay in touch with this website for more articles based on SBI Credit Cards, comparison posts, etc.