BoB Select vs SBI ELITE
Side-by-side credit card comparison to help you choose the best one.
SBI ELITE
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | ||
|---|---|---|
| Bank | Bank of Baroda | SBI |
| Card Type | Entry Level | Super Premium |
| Annual Fee | ₹499 + GST | ₹4,999 + GST |
| Joining Fee | ₹499 + GST | ₹4,999 + GST |
| Rewards | 2 reward points per ₹100 spent | 2X reward points on dining, movies & grocery |
| Best For | Everyday Spending | Premium Lifestyle |
| Interest Rate | 3.49% per month (41.88% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹25,000 - ₹2,00,000 | ₹3,00,000 - ₹15,00,000 |
| Welcome Benefit | 500 reward points on first spend | 5000 bonus reward points |
| Min Income | ₹15,000/month | ₹60,000/month |
| Lounge Access | 2 domestic per year | Unlimited domestic + 6 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹400-₹5,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | Free |
| Rating | 4 | 4.6 |
| Contactless | ||
| EMI Conversion |
Key Features
BoB Select
Everyday Spending
Visa • Entry Level
- Annual fee waiver on ₹75,000 spend
- 2% cashback on utility bill payments
- Fuel surcharge waiver
- Easy EMI conversion facility
SBI ELITE
Premium Lifestyle
Mastercard • Super Premium
- Complimentary Trident Privilege membership
- Unlimited domestic lounge visits
- Buy 1 Get 1 on BookMyShow
- Annual fee reversal on ₹10L spend
Verdict
Based on rating and overall value, SBI ELITE ranks highest among your selected cards. It excels at Premium Lifestyle and offers 2X reward points on dining, movies & grocery.
Frequently asked questions
Which is better: BoB Select or SBI ELITE?
SBI ELITE has the higher CardKhoj rating (4.6/5) and is best for premium lifestyle. BoB Select is the better fit if your priority is everyday spending. The right choice depends on where you spend most.
Which has the lower annual fee: BoB Select and SBI ELITE?
BoB Select is cheaper to hold at ₹499 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do BoB Select and SBI ELITE offer airport lounge access?
BoB Select: 2 domestic per year. SBI ELITE: unlimited domestic + 6 international per year.
Which card is better for international spending?
All of them charge the same forex markup of 3.5% + GST, so choose based on other benefits.
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