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SBI Card · SBI Card
Elite vs Prime
Side-by-side. The card that earns more depends on where you spend, Tapwise crunches the actual numbers for your wallet.
Winner
45composite score
95% rule confidence
95% rule confidence
Winner
48composite score
95% rule confidence
95% rule confidence
Annual fee
₹4,999
₹2,999
Network
Mastercard
Visa
Base reward rate
2%
2%
Min. income (monthly)
₹1,00,000
₹75,000
Min. credit score
720+
720+
Best for
Dining
Grocery
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Prime edges out for most wallets.
- Lighter annual fee, ₹2,999 vs ₹4,999.
- Easier to qualify, ₹75,000/mo income gets you in versus ₹1,00,000/mo.
Composite score
Elite45
Prime48
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
Pick the right one for every purchase, automatically.
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