There are two lifestyle Credit cards offered by the State Bank of India, and they are SBI Elite and SBI Prime Card. Although there are things common to both the cards, there are major differences between both the cards. Let us now see the comparison between both the cards. 

Fees and Charges 

Fee Type 

SBI Prime Credit Card

SBI Elite Credit Card

Joining or renewal fee 

Rs. 2,999

Rs. 4,999

Welcome benefit 

Gift voucher worth Rs. 3000 

Gift voucher worth Rs. 5000 

Renewal Fee Waiver 

On spends of Rs. 3 Lakhs in a membership year 

On spends of Rs. 10 Lakhs in a membership year 

Foreign currency markup charges 



Interest Free Credit 

20 to 50 days 

20 to 50 days 

ATM Cash Withdrawals Charges 

2.5% with a minimum of Rs. 500

2.5% with a minimum of Rs. 500

Overlimit charges 

2.5% with a minimum of Rs. 500

2.5% with a minimum of Rs. 500

SBI ELITE has a 66% higher fee than SBI Prime. Even the renewal fee waiver is set at Rs 10 Lakhs which is a feat to achieve. 

The options for gift vouchers for the welcome perks are Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and in case of both the cards.  


With SBI Prime, you can get extra rewards on birthday spends. The value as per the maximum cap is Rs. 500. But, this is valid only once a year.  

Category of Spends 



Birthday spends 

20 reward points per Rs. 100 with a cap of 2000 reward points yearly

No extra benefits and equivalent to normal reward rate

Dining, departmental stories, movies, and groceries

10 reward points per Rs. 100 

10 reward points per Rs. 100 

Other spends 

2 reward points per Rs. 100 

2 reward points per Rs. 100 

Milestone Rewards 

SBI ELITE has better milestone rewards for people who spend high. But, it also has a greater annual fee. The SBI Elite card gives bonus reward points of 50,000. upon achieving annual spends of Rs. 8 Lakhs. With each reward point equal to 25 paise, you will gain a total amount of Rs. 12,500. The extra returns on spending with this milestone benefit is 1.5%.


              SBI PRIME Milestone Benefits 

A Pizza Hut Gift Voucher of Rs. 1000 on spends of Rs. 50000 in a calendar quarter 

A Yatra or Pantaloons Gift voucher of Rs. 7000 on spends of Rs. 5 Lakhs in a membership year.


                    SBI Elite Milestone Benefits 

10,000 bonus reward points for yearly spends of Rs. 3 Lakhs and Rs. 4 Lakhs in a membership year

15,000 bonus reward points for annual spends of Rs. 5 Lakhs and Rs. 8 Lakhs in a membership year


Lounge Access 

SBI Prime 

SBI Elite 

Avail access to 4 complimentary visits for the international airport lounges under the priority pass program. There will be a maximum of 2 visits per quarter.


Enjoy 6 free international airport lounge access annually under the priority pass membership. Over 1000 lounges all over the world through the SBI credit card.


Enjoy free access to 8 free domestic airport lounges with a maximum of 2 visits quarterly 

Avail 2 free visits to the domestic airport lounge per calendar quarter.

Lifestyle and Entertainment 

For SBI Elite Credit Card 

  • Get free movie tickets of up to Rs. 6000 in a year  
  • Enjoy Trident Privilege Red Tier Membership as a complimentary 
  • Enjoy a complimentary Club Vistara Membership 

For SBI Prime Card  

  • Enjoy a complimentary Club Vistara Silver Membership
  • Enjoy Trident Privilege Red Tier membership 
  • Enjoy exclusive 1000 points on registration 

Eligibility Criteria For Both The Credit Cards 


SBI Elite Credit Card 

SBI Prime Credit Card 

Minimum age of the applicant 

21 years 

21 years 

Maximum age of the applicant 

70 years 

70 years 

Minimum Salary 

Individual must have a stable income 

Individual must have a stable income

Credit Score of the Applicant 

750 and above 

750 and above 

Citizenship status of the applicant

Must be a citizen of India 

Must be a citizen of India 

Documents Required 


  • Identity Proof: Driving License, PAN, Aadhaar Card, etc. 
  • Income Proof: Latest salary slips, Form 16, copy of IT returns, etc. 
  • Filled Application Form
  • A copy of Form 60, PAN card copy
  • Proof of residence:  Passport, Ration card, Aadhaar, electricity bill, etc. 
  • Passport size colored photographs of the applicant. 

SBI Prime Card 

  • Filled credit card application form 
  • A copy of Form 60, PAN card copy
  • Identity Proof: PAN, Aadhaar card, driving license, etc. 
  • Income Proof: Form 16, Latest payslips, IT return copy, etc. 
  • Residence proof - Ration card, electricity bill, passport,  aadhaar, etc.
  • Passport size color photographs of the applicant.


Based on the comparison between the two cards, you can choose the best one according to your financial standing and requirements. First, you must analyze the need for taking a credit card. Then, you must compare your requirements with these two SBI cards. Once you have chosen the card, apply for the Sbi Credit card on CreditMantri.

FAQS SBI Elite Card Vs SBI Prime Card

1:How to get SBI Elite Credit Card Lifetime Free?

The yearly membership fee for SBI ELITE credit card is Rs. 4,999. On spending Rs. 10 Lakhs or more with the card for a year, the annual fee is waived off. 

2:Can I cancel my SBI Prime Credit Card?

You can close your credit card account by writing to SBI or calling the SBI Card Helpline. You can raise a request for the closure of your account. After you place the request, cut your credit card diagonally and dump it. Your request will lead to the termination of the add-on cards automatically. 

3:Which are some of the SBI cards that are eligible for Airport Lounge Access?

SBI Platinum Corporate Card, Tata Corporate Card, and SBI Signature Corporate Card come with free airport lounge access. Get access to awesome airport lounges across India with these cards and enjoy complimentary delicious meals, free wi-fi connectivity and luxurious seats while waiting to board the flight.