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SBI SimplyCLICK Credit Card VS SBI ELITE Credit Card VS SBI Prime Credit Card VS SBI Card Miles Elite

A detailed, side-by-side look at 4 leading credit cards. Analyze the features that matter most to you and make an informed choice.
Verified
Last updated: 17 July 2026
SBI SimplyCLICK Credit Card
SBI SimplyCLICK Credit Card
SBI ELITE Credit Card
SBI ELITE Credit Card
SBI Prime Credit Card
SBI Prime Credit Card
SBI Card Miles Elite
SBI Card Miles Elite

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹4,999 + GST
Joining Fee₹2,999 + GST
Joining Fee₹4,999 + GST
Renewal Fee₹499 + GST
Renewal Fee₹4,999 + GST
Renewal Fee₹2,999 + GST
Renewal Fee₹4,999 + GST
Spend Based WaiverAnnual renewal fee is waived if annual spends for the previous year are ₹1,00,000 or more.
Spend Based WaiverRenewal fee waived on annual spends of ₹10 Lakh or more in the previous anniversary year.
Spend Based WaiverRenewal fee waived off if minimum of ₹3 lakhs spent in the previous year.
Spend Based WaiverAnnual Fee is reversed on spending Rs. 15 Lakh in a membership year.
Foreign Transaction Fees3.5% of the total transaction amount.
Foreign Transaction Fees1.99% of the transaction amount.
Foreign Transaction Fees3.5% + GST
Foreign Transaction Fees1.99% on international usage.
Interest Rate (APR)3.75% Per Month (45% Yearly).
Interest Rate (APR)3.75% per month (45% per annum).
Interest Rate (APR)3.75% Per Month (45% Per Annum)
Interest Rate (APR)3.50% Per Month (42% Per Annum)

Rewards & Benefits

Welcome BonusAmazon.in e-Gift Card worth ₹500 upon payment of the Annual Fee.
Welcome Bonus₹5,000 e-Gift Voucher, complimentary Priority Pass membership ($99 value), and 1-year Club ITC Silver Tier.
Welcome BonusWelcome e-Gift voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop.
Welcome BonusGet 5,000 Travel Credits on spends of Rs. 1 lakh within 60 days of card issuance.
Rewards Rate10X Reward Points per ₹100 on online purchases at partner merchants; 5X on other online; 1X on offline.
Rewards Rate10 RPs/₹100 on dining, grocery & departmental stores (capped). 2 RPs/₹100 on other spends.
Rewards Rate10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases. 2 RP on other spends.
Rewards RateEarn 6 Travel Credits for every Rs. 200 spent on travel; 2 Travel Credits for every Rs. 200 on other purchases.
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption Fee₹99 + GST per redemption.
Reward Redemption Fee₹99 + GST
Reward Redemption FeeRs. 99

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter via Visa/MasterCard/AmEx networks.
Domestic Lounge Access8 complimentary domestic airport lounge visits per annum (maximum 2 visits per quarter).
Domestic Lounge Access8 complimentary visits each year (max 2 per quarter). Additional visits on milestone spends.
International Lounge Access
International Lounge Access6 complimentary international lounge visits annually (max 2/quarter) with 2-year Priority Pass.
International Lounge Access4 complimentary international airport lounge access every year with Priority Pass Membership (max 2 per quarter).
International Lounge Access6 complimentary visits each year (max 2 per quarter). Complimentary Priority Pass membership.
Travel BenefitsMilestone e-vouchers from ClearTrip/Yatra worth ₹2,000 each on annual online spending.
Travel BenefitsDiscounts on hotels (Lalit, F&B), car rentals (Hertz, Avis), luxury hotel privileges & Tablet Plus.
Travel BenefitsComplimentary Club ITC Silver Membership, discounts at ITC Hotels, travel vouchers, global acceptance.
Travel BenefitsGenerous rewards on travel, lounge access, low foreign exchange markup, and comprehensive travel insurance.
Movie Benefits10X Reward Points on BookMyShow.
Movie Benefits2 complimentary movie tickets monthly (max ₹6,000 annually, ₹250/ticket) for primary cardholders.
Movie BenefitsEarn 10 Reward Points for every ₹100 spent on movies.
Movie Benefits
Dining Benefits10X Reward Points on Dominos and Swiggy.
Dining Benefits10X RPs on dining. Up to 25% off at partner restaurants & up to ₹600 instant discount on food apps (AmEx).
Dining BenefitsEarn 10 Reward Points for every ₹100 spent on dining; Amex variant offers up to 25% discount.
Dining Benefits
Golf Benefits
Golf BenefitsComplimentary golf rounds (4 green fees) & 1 lesson monthly with MasterCard/RuPay variants.
Golf Benefits
Complimentary Golf Rounds and Lessons are available with Mastercard and RuPay SELECT variants.
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waived on transactions between ₹500-₹3,000; max waiver ₹100/cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions (₹500-₹4,000), capped at ₹250 per month.
Fuel Surcharge Waiver1% fuel surcharge waiver on transactions between ₹500-₹4,000, capped at ₹250/month.
Fuel Surcharge Waiver1% Waiver (Maximum of Rs. 500 Per Month)

Security & Other

Insurance Benefits
Insurance Benefits₹1 lakh lost card liability cover & ₹1 lakh credit card fraud liability cover.
Insurance BenefitsFraud Liability Cover Worth ₹1 Lakh and complimentary air accident liability cover of ₹50 lakhs.
Insurance BenefitsUp to 6 flight cancellations, lost card liability, air accident cover, and baggage insurance.
Cash Advance Charges2.5% of withdrawal amount or minimum ₹500.
Cash Advance Charges2.5% of withdrawal amount, minimum ₹500.
Cash Advance Charges2.5% of the amount withdrawn or ₹500, whichever is higher.
Cash Advance Charges2.5% or Rs. 500 (Whichever is Higher)
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

SBI SimplyCLICK Credit Card

SBI ELITE Credit Card

SBI Prime Credit Card

SBI Card Miles Elite

Who is it for?

The SBI SimplyCLICK Credit Card is an entry-level offering from SBI Card, ideal for individuals seeking a straightforward shopping credit card with minimal charges and a decent reward rate, especially for online purchases. It offers 10X Reward Points on partner brands, an Amazon gift card as a welcome benefit, and the opportunity to earn gift vouchers worth up to ₹4,000 annually through milestone spends, making it perfect for frequent online shoppers.

Who is it for?

The SBI ELITE Credit Card is a premium offering designed for individuals seeking extensive privileges across various spending categories. It provides top-tier benefits like complimentary domestic and international airport lounge access, valuable shopping vouchers, and free movie tickets. Cardholders also enjoy accelerated reward points on dining, grocery, and departmental store spends. This card is ideal for those with significant lifestyle and travel expenditures, offering a comprehensive suite of luxury experiences.

Who is it for?

The SBI Prime Credit Card is a premium lifestyle card offering value-added benefits for individuals who frequently spend on shopping and travel. It provides attractive welcome vouchers, accelerated reward points on dining, movies, groceries, and departmental stores. Cardholders also enjoy complimentary domestic and international airport lounge access, milestone benefits, and various network-specific privileges, making it a comprehensive choice for a rewarding lifestyle with a manageable annual fee.

Who is it for?

The SBI Card Miles Elite is a premium travel credit card designed for frequent flyers, offering generous rewards on travel, extensive lounge access, and comprehensive travel insurance. It provides a welcome bonus of 5,000 Travel Credits and a low foreign exchange markup, making it ideal for those prioritizing travel benefits and global utility.

Pros

Key benefits and features.

Offers an excellent reward rate on several online shopping brands, making it ideal for frequent online shoppers.

Comes with an affordable annual fee of ₹499, making it accessible for entry-level users.

The annual fee can be easily waived by spending ₹1 lakh in the previous year.

Includes a welcome voucher worth ₹500 from Amazon, adding immediate value to the card.

Provides milestone vouchers worth up to ₹4,000 annually on achieving spend targets.

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.

Cons

Key drawbacks and limitations.

Does not offer complimentary domestic or international lounge access, limiting travel perks.

Lacks comprehensive insurance benefits, which might be a concern for some cardholders.

Reward redemption options, while available, might feel limited compared to premium credit cards.

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.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for SBI SimplyCLICK Credit Card(opens in new tab)Apply for SBI ELITE Credit Card(opens in new tab)Apply for SBI Prime Credit Card(opens in new tab)Apply for SBI Card Miles Elite(opens in new tab)