Bank of Maharashtra SBI Card Elite VS Bank of Maharashtra SBI Card Prime VS BoM Secured Credit Card VS Bank of Maharashtra SimplySAVE SBI Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of Maharashtra SBI Card Elite
Bank of Maharashtra SBI Card Prime
BoM Secured Credit Card
Bank of Maharashtra SimplySAVE SBI Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Substantial welcome e-Gift Voucher worth Rs. 5,000 from top brands.
High reward earning rate with 5X points on dining, departmental stores, and groceries.
Extensive lounge access with 6 international and 8 domestic visits annually.
Significant milestone benefits, offering up to 50,000 bonus reward points yearly.
Complimentary movie tickets worth ₹6,000 every year, enhancing entertainment value.
Pros
Key benefits and features.
Substantial welcome e-Gift Voucher worth ₹3,000 from top lifestyle brands.
Extensive domestic and international lounge access for frequent travelers.
Accelerated reward points on dining, groceries, and utility bill payments.
Significant milestone benefits including e-vouchers on reaching spend thresholds.
Nil add-on card fee and comprehensive fraud liability cover for security.
Pros
Key benefits and features.
Excellent for building credit history without needing income proof.
Enjoy a lifetime free card with instant approval and no joining or renewal fees.
Benefit from domestic airport lounge access twice per quarter and fuel surcharge waiver.
Earn reward points on all your spends while continuing to earn interest on your FD.
Offers free add-on cards and an interest-free credit period for financial flexibility.
Pros
Key benefits and features.
Accelerated rewards on dining, movies, groceries, and departmental stores.
Beneficial 1% fuel surcharge waiver, saving up to Rs. 100 per month.
Welcome bonus of 2,000 reward points worth Rs. 500 on initial spend.
Available on both Visa and RuPay networks, offering diverse benefits.
Renewal fee waiver on annual spends of Rs. 1,00,000 or more.
Cons
Key drawbacks and limitations.
High annual fee of ₹4,999, which might be steep for some users.
Annual fee waiver requires a high spend of ₹10 lakhs, limiting accessibility.
Reward points redemption value is low at 4 points = ₹1, reducing overall benefit.
Lounge access benefits are capped, with international visits limited to 2 years.
Cons
Key drawbacks and limitations.
Annual fee of ₹2,999 + taxes is relatively high for some users.
Reward points on utility bills significantly drop after initial 3000 points.
Birthday reward points are capped at 2,000 per calendar year, limiting benefits.
No explicit mention of foreign currency markup or interest rates in the details.
Lounge access is capped quarterly, which might be restrictive for very frequent flyers.
Cons
Key drawbacks and limitations.
Mandatory requirement of a fixed deposit with Bank of Maharashtra for eligibility.
EMI conversion facility is explicitly not allowed for gold and jewellery purchases.
Lounge access is limited to domestic airports only, with just two visits per quarter.
Cons
Key drawbacks and limitations.
No complimentary airport lounge access, domestic or international.
Reward points value is relatively low at 4 points = Re. 1.
No specific milestone benefits or insurance covers mentioned.
Annual fee of Rs. 499 is applicable if waiver condition is not met.
Limited premium benefits, typical for an entry-level credit card.