SBI ELITE vs SBI SimplySAVE
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 | SBI | SBI |
| Card Type | Super Premium | Rewards |
| Annual Fee | ₹4,999 + GST | ₹499 + GST |
| Joining Fee | ₹4,999 + GST | ₹499 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores |
| Best For | Premium Lifestyle | Everyday Spending |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹25,000 - ₹3,00,000 |
| Welcome Benefit | 5000 bonus reward points | 500 bonus reward points |
| Min Income | ₹60,000/month | ₹20,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹500-₹3,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST |
| Rating | 4.6 | 4.2 |
| Contactless | ||
| EMI Conversion |
Key Features
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
SBI SimplySAVE
Everyday Spending
Visa • Rewards
- ₹500 annual fee waiver on ₹1L spend
- Fuel surcharge waiver
- 5X rewards on all other spends
- Contactless payments enabled
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: SBI ELITE or SBI SimplySAVE?
SBI ELITE has the higher CardKhoj rating (4.6/5) and is best for premium lifestyle. SBI SimplySAVE 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: SBI ELITE and SBI SimplySAVE?
SBI SimplySAVE is cheaper to hold at ₹499 + GST, compared with ₹4,999 + GST for SBI ELITE.
Do SBI ELITE and SBI SimplySAVE offer airport lounge access?
SBI ELITE: unlimited domestic + 6 international per year. SBI SimplySAVE: no complimentary lounge access.
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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