Bank of Maharashtra SBI Card Elite VS Bank of Maharashtra SBI Card Prime VS Bank of Maharashtra SimplySAVE SBI Card VS Central Bank of India SBI Card ELITE
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
Bank of Maharashtra SBI Card Elite
Bank of Maharashtra SBI Card Prime
Bank of Maharashtra SimplySAVE SBI Card
Central Bank of India SBI Card ELITE
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.
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.
Pros
Key benefits and features.
Generous welcome e-Gift Voucher worth Rs. 5,000 and annual movie tickets worth Rs. 6,000.
Accelerated rewards with 5X points on dining, departmental stores, and grocery spends.
Extensive lounge access including 6 international and 8 domestic visits annually.
Low foreign currency markup of 1.99% makes international spending more economical.
Significant milestone benefits offering up to 50,000 bonus reward points annually.
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.
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.
Cons
Key drawbacks and limitations.
High annual and renewal fees of Rs. 4,999 + taxes, though a waiver is possible.
Priority Pass complimentary membership is only valid for 2 years from issuance.
A usage fee of $27 + taxes applies for Priority Pass lounge visits beyond complimentary quota.
Fuel surcharge waiver is capped at Rs. 250 per month, limiting overall savings.
Annual fee waiver requires a substantial spend of Rs. 10 lakhs, potentially high for some users.