SBI ELITE vs SBI SimplySAVE vs Canara RuPay Select
Side-by-side credit card comparison to help you choose the best one.
Our Pick
SBI ELITE
4.6
Why this card wins: Premium Lifestyle — 2X reward points on dining, movies & grocery
| Feature | SBI ELITE | SBI SimplySAVE | Canara RuPay Select |
|---|---|---|---|
| Bank | SBI | SBI | Canara Bank |
| Card Type | Super Premium | Rewards | Entry Level |
| Annual Fee | ₹4,999 + GST | ₹499 + GST | ₹500 + GST |
| Joining Fee | ₹4,999 + GST | ₹499 + GST | ₹500 + GST |
| Rewards | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores | 1 reward point per ₹100 spent |
| Best For | Premium Lifestyle | Everyday Spending | Budget Users |
| Interest Rate | 3.35% per month (40.20% p.a.) | 3.35% per month (40.20% p.a.) | 3.49% per month (41.88% p.a.) |
| Credit Limit | ₹3,00,000 - ₹15,00,000 | ₹25,000 - ₹3,00,000 | ₹25,000 - ₹2,00,000 |
| Welcome Benefit | 5000 bonus reward points | 500 bonus reward points | None |
| Min Income | ₹60,000/month | ₹20,000/month | ₹12,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | None | None |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹4,000 txns |
| Foreign Txn Fee | 3.5% + GST | 3.5% + GST | 3.5% + GST |
| Add-On Card Fee | Free | ₹249 + GST | Free |
| Rating | 4.6 | 4.2 | 3.8 |
| Contactless | |||
| EMI Conversion |
Key Features
Our Pick
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
Canara RuPay Select
Budget Users
RuPay • Entry Level
- RuPay UPI linkage supported
- Fuel surcharge waiver up to ₹100/month
- Personal accident insurance ₹5 Lakh
- Easy EMI conversion available
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.