SBI ELITE vs SBI SimplySAVE vs IDFC First WOW
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 | IDFC First WOW |
|---|---|---|---|
| Bank | SBI | SBI | IDFC First Bank |
| Card Type | Super Premium | Rewards | Rewards |
| Annual Fee | ₹4,999 + GST | ₹499 + GST | Lifetime Free |
| Joining Fee | ₹4,999 + GST | ₹499 + GST | Nil |
| Rewards | 2X reward points on dining, movies & grocery | 10X rewards on dining, grocery, movies & dept stores | 10X reward points on every spend category |
| Best For | Premium Lifestyle | Everyday Spending | All-Round Rewards |
| 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 - ₹5,00,000 |
| Welcome Benefit | 5000 bonus reward points | 500 bonus reward points | 500 reward points on first spend |
| Min Income | ₹60,000/month | ₹20,000/month | ₹15,000/month |
| Lounge Access | Unlimited domestic + 6 international per year | None | 6 domestic + 2 international per year |
| Fuel Surcharge Waiver | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹500-₹3,000 txns | 1% waiver on ₹400-₹5,000 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 | 4.5 |
| 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
IDFC First WOW
All-Round Rewards
Visa • Rewards
- No annual or joining fee ever
- 10X reward points on all categories
- 6 domestic + 2 international lounge visits
- Never expiring reward points
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.