SBI ELITE Credit Card VS SBI Prime Credit Card VS SBI Card Miles Elite VS SBI Card PULSE
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
SBI ELITE Credit Card
SBI Prime Credit Card
SBI Card Miles Elite
SBI Card PULSE
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
The SBI ELITE Credit Card offers generous welcome benefits, including a ₹5,000 e-Gift Voucher.
Enjoy comprehensive lounge access with 2 domestic visits quarterly and 6 international visits annually.
The card provides extensive privileges across travel, dining, and shopping, making it a versatile choice.
Annual fee waiver on ₹10 lakhs annual spend is achievable for high spenders, offsetting the cost.
Excellent travel and lifestyle privileges cater perfectly to frequent travelers and luxury enthusiasts.
Pros
Key benefits and features.
Enjoy 8 complimentary domestic and 4 international airport lounge visits annually.
Offers an attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands.
The annual renewal fee can be waived upon achieving a minimum spend of ₹3 lakhs.
Offers exciting privileges across various lifestyle categories, including dining, entertainment, and golf.
Available in four variants (Mastercard, RuPay, Amex, VISA) with exclusive network benefits.
Pros
Key benefits and features.
Substantial welcome bonus of 5,000 Travel Credits on initial spends.
Extensive complimentary domestic and international airport lounge access.
Low foreign currency markup of 1.99% makes international spends economical.
Comprehensive travel insurance covers flight cancellations and baggage issues.
Available on RuPay network, enabling seamless UPI payments for convenience.
Pros
Key benefits and features.
Valuable welcome benefits include a Noise smartwatch and health memberships.
Enjoy complimentary annual Fitpass Pro & Netmeds First memberships, renewable yearly.
Earn accelerated 2.5% reward points on movies, dining, pharmacy, chemist, and sports.
Benefit from 8 complimentary domestic lounge visits and Priority Pass membership.
Comprehensive insurance covers travel incidents, lost baggage, and fraud liability.
Cons
Key drawbacks and limitations.
The general reward rate of 0.5% on most spends is lower than some competing premium cards.
The high annual fee of ₹4,999 can be a drawback if the spend-based waiver condition is not met.
Add-on cardholders do not receive international lounge access, limiting benefits for family members.
The accelerated 10X reward points are capped monthly, limiting high earners from maximizing benefits.
Cons
Key drawbacks and limitations.
The annual fee of ₹2,999 + GST might be high for users not maximizing benefits.
The base reward rate of 2 points per ₹100 on non-accelerated spends is relatively low.
A high interest rate of 3.75% per month (45% per annum) applies to outstanding balances.
Cons
Key drawbacks and limitations.
Reward earning rate on general spends is not highly competitive compared to peers.
Lacks specific additional benefits for popular categories like movies or dining.
High joining and renewal fees of Rs. 4,999 + taxes may deter some users.
Travel Credits have varying redemption values, which can be confusing for users.
Complimentary Priority Pass membership is only valid for the first two years.
Cons
Key drawbacks and limitations.
International lounge access via Priority Pass incurs usage fees despite complimentary membership.
Accelerated reward points on preferred categories are capped at 7,500 points monthly.
No reward points are earned on common transactions like fuel purchases and wallet reloads.
A redemption fee of ₹100 is charged for every reward point redemption request.