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

In the diverse landscape of State Bank of India (SBI) credit cards, the choice between the SBI Cashback Credit Card and the SBI Elite Credit Card presents a distinct array of financial benefits.

The SBI Cashback Credit Card is tailored for individuals seeking straightforward rewards, offering cashback on essential categories like groceries, fuel, and utilities.

On the other hand, the SBI Elite Credit Card caters to a more discerning clientele, providing a suite of premium privileges including exclusive travel benefits, complimentary lounge access, and milestone rewards.

This comprehensive comparison explores the unique features of each card, guiding users to make an informed decision based on their specific spending patterns and lifestyle preferences.

Whether you prioritize practical cashback rewards or aspire to indulge in elite experiences, understanding the nuanced attributes of these SBI credit cards will lead you to the one that seamlessly aligns with your financial goals and individual preferences.

Overview of SBI Cashback Credit Card

Introducing the ‘Cashback SBI Credit Card,’ SBI aims to extend cashback perks to its customer base.

With a focus on online transactions, this credit card stands out as a premier option for those seeking maximum value-back, especially during shopping sprees.

The card stands out for its convenience, eliminating the need to keep track of reward points or deal with the intricacies of redeeming them for various items.

While there is an annual fee of Rs. 999, spending Rs. 2 Lakhs or more in the previous year can exempt you from it.

With this card, you can enjoy up to 5% cash back on all your online and offline expenditures. The cashback is effortlessly credited to the cardholder’s account and added benefits like a fuel surcharge waiver are also available.

Overview of SBI Elite credit card

With an annual membership fee of Rs. 4,999, the SBI ELITE Credit Card from SBI Card is positioned as a premium credit card.

Previously holding the mantle of SBI Card’s most exclusive offering, it now holds the second position after the recent launch of the SBI AURUM Credit Card.

Geared towards the premium market segment, the SBI Bank ELITE Credit Card delivers a range of top-tier advantages, including free access to domestic and international lounges, complimentary shopping vouchers, discounted hotel rates, complimentary movie tickets, and various additional perks.

SBI Cashback Credit card vs SBI Elite credit card

Features/Charges	SBI Cashback Credit card	*SBI Elite card*
Joining Fees	NIL	Rs. 4,999 + Taxes
Annual Fees	Rs. 999 + Taxes	Rs. 4,999 + Taxes
Welcome Benefits	N/A	Enjoy a welcome perk of E-vouchers totaling Rs. 5,000, usable at various brands such as Yatra, Aditya Birla Fashion, Hush Puppies/Bata, Pantaloons, and Shoppers Stop.
Cashback / Rewards point	Utilize this card to enjoy a 5% cashback on all online transactions and a 1% cashback on other offline transactions and utility bill payments.	Gain 2 Reward Points for every Rs. 100 utilized in retail transactions, coupled with a substantial 5X Reward Points accrual on dining, departmental store outlays, and grocery buying.
Dining benefits	N/A	Indulge in dining experiences with enticing offers, providing discounts of up to 25% at selected partner restaurants*.
Travel benefits	Enjoy four free visits to domestic airport lounges each year by making use of this card.	Get a complimentary Club Vistara Membership, a complimentary Trident Privilege Red Tier membership, and access to domestic and international airport lounges, all free of charge.
Annual fees waiver	Enjoy a waiver of the annual fee after reaching 2 Lakh in expenditures using this card.	Spend Rs. 10 lakh or more in the preceding year, and the annual fee of Rs. 4,999 will be waived.
Fuel surcharge waiver	By employing this card, enjoy a 1% fuel surcharge exemption for transactions between Rs. 500 and Rs. 3,000 at petrol stations throughout India.	This credit card offers a 1% relief on fuel surcharge* for added savings.