Check below for a comparison between the SBI Prime credit card vs SBI Elite credit card or SBI Elite credit card vs SBI Prime credit card and find which is better –

Overview of SBI Prime credit card

Recognized as a lifestyle credit card, the SBI Prime credit card is distinguished by its appealing features.

Users benefit from perks associated with dining and rewards, along with a notable 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 3,000 at fuel stations across the country, among other advantages.

In the aspect of the reward rate, this card allows you to accumulate 2 Reward Points for every Rs. 100 spent and an increased 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store transactions.

Given that 1 Reward Point is valued at Rs. 0.25, the effective reward rate for the card stands at 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories.

Much like the ELITE Card, the SBI Card Prime is provided in three variants: MasterCard, American Express, and VISA.

Overview of SBI Elite credit card

SBI Card’s SBI ELITE Credit Card stands out as a premium credit card with an annual membership fee of Rs. 4,999.

Initially the flagship offering by SBI Card, it now takes the second spot in terms of exclusivity, following the introduction of the SBI AURUM Credit Card earlier this year.

Catering to the discerning customer, the SBI Bank ELITE Credit Card offers a suite of high-value privileges, encompassing free visits to domestic and international lounges, complimentary shopping vouchers, reduced rates on hotel reservations, complimentary movie tickets, and a host of supplementary benefits.

SBI Prime credit card vs SBI Elite credit card

Features/Charges	SBI Prime credit card	*SBI Elite card*
Joining Fees	Rs. 2,999	Rs. 4,999 + Taxes
Annual Fees	Rs. 2,999	Rs. 4,999 + Taxes
Welcome Benefits	Make a splendid entrance into card membership with a complimentary e-gift voucher worth Rs.3,000 as a welcome gift.	As a greeting gesture, you’ll be gifted E-vouchers worth Rs. 5,000, redeemable at your choice of brands like Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
Cashback / Rewards point	In the aspect of the reward rate, this card allows you to accumulate 2 Reward Points for every Rs. 100 spent and an increased 10 Reward Points for every Rs. 100 spent on dining, groceries, and department store transactions. Given that 1 Reward Point is valued at Rs. 0.25, the effective reward rate for the card stands at 2.5% for dining, groceries, and department store categories, and 0.5% for all other spending categories. Much like the ELITE Card, the SBI Card Prime is provided in three variants: MasterCard, American Express, and VISA.	Earn 2 Reward Points with each Rs. 100 spent on retail acquisitions, and revel in a heightened 5X Reward Points accumulation for dining out, department store shopping, and grocery expenditures.
Dining benefits	Qualify for a Rs.1,000 Pizza Hut voucher on quarterly purchases exceeding Rs.50,000, accompanied by an impressive fivefold augmentation in reward points for dining at endorsed partner restaurants.	Relish special dining promotions that bring you savings of up to 25% at participating restaurants*.
Travel benefits	Secure complimentary Club Vistara and Trident Privilege Memberships, along with the privilege of eight complimentary visits to domestic airport lounges each year, when utilizing this card.	Enjoy a complimentary Club Vistara Membership, receive a Trident Privilege Red Tier membership at no cost, and benefit from complimentary access to both domestic and international airport lounges.
Annual fees waiver	You qualify for an annual fee waiver on the credit card if your yearly spending surpasses Rs.3 lakh.	If your yearly spending reaches Rs. 10 lakh or beyond in the prior year, the annual fee of Rs. 4,999 is waived.
Fuel surcharge waiver	By using this credit card, you can enjoy a 1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000 at all petrol pumps across India.	Enjoy a waiver of 1% on fuel surcharge* when making transactions with this credit card.