# SBI Card ELITE vs SBI Card PRIME

SBI Card ELITE costs ₹4,999 a year and SBI Card PRIME ₹2,999. They differ on the forex markup and airport lounge access.

Each row is what the bank publishes for each card, read from its own documents and dated. Nothing here ranks the cards: which one suits you turns on where you spend. Each card’s page holds every rule and its source.

- [SBI Card ELITE](https://getbrief.cards/cards/sbi-elite), SBI Card
- [SBI Card PRIME](https://getbrief.cards/cards/sbi-prime), SBI Card

| | SBI Card ELITE | SBI Card PRIME |
|---|---|---|
| Annual fee | ₹4,999 + GST | ₹2,999 + GST |
| Fee waiver | Waived at ₹10,00,000 spend per card year | Waived at ₹3,00,000 spend per card year |
| Forex markup | 1.99% | 3.5% |
| On ₹1,00,000 spent abroad | ₹2,348 in markup and GST | ₹4,130 in markup and GST |
| Network | Visa | Visa |
| Everyday spend | 2 RP / ₹100 base | 2 RP / ₹100 (0.5%), excl fuel · birthday: 20 RP/₹100, cap 1,800 RP/yr, no other accelerated RP in the birthday period |
| Rewards in | SBI Reward Points, ₹0.25 a point at the bank’s baseline | SBI Reward Points, ₹0.25 a point at the bank’s baseline |
| Transfer partners | None | None |
| Airport lounges | 8 domestic visits a year · 6 international visits a year | 8 domestic visits a year · 4 international visits a year |
| Statuses it opens | Club ITC Silver and Trident Privilege Red | Club ITC Silver and Trident Privilege Red |
| Spend milestones | 1 milestone | 2 milestones |
| Applications | Open | Open |
| Last checked | 21 October 2026 | 21 October 2026 |

## How each one earns

### SBI Card ELITE

- 2 RP / ₹100 base · verified · checked 16 June 2026
- 10 RP / ₹100 department stores (10K RP/mo cap shared with dining and grocery) · verified · checked 16 June 2026
- 10 RP / ₹100 dining incl bars and QSR (10K RP/mo cap shared with grocery and department stores) · verified · checked 16 June 2026
- 10 RP / ₹100 grocery (10K RP/mo cap shared with dining and department stores) · verified · checked 16 June 2026

Every rule on the SBI Card ELITE page: https://getbrief.cards/cards/sbi-elite

### SBI Card PRIME

- 2 RP / ₹100 (0.5%), excl fuel · birthday: 20 RP/₹100, cap 1,800 RP/yr, no other accelerated RP in the birthday period · verified · checked 20 June 2026
- 10 RP / ₹100 on dining (bars and fast food included), grocery, department stores, movies (2.5%), cap 7,500 RP/calendar mo, then base · verified · checked 14 June 2026

Every rule on the SBI Card PRIME page: https://getbrief.cards/cards/sbi-prime


## Questions

### What is the annual fee of SBI Card ELITE and SBI Card PRIME?

As of 21 October 2026, SBI Card ELITE: ₹4,999 + GST, waived at ₹10,00,000 spend per card year. SBI Card PRIME: ₹2,999 + GST, waived at ₹3,00,000 spend per card year.

### Which charges less on spend abroad, SBI Card ELITE or SBI Card PRIME?

As of 21 October 2026, SBI Card ELITE charges a 1.99% markup against 3.5% on SBI Card PRIME: on ₹1,00,000 spent abroad that is ₹2,348 against ₹4,130, GST included.

### Do SBI Card ELITE and SBI Card PRIME come with airport lounge access?

As of 21 October 2026, SBI Card ELITE: 8 domestic visits a year · 6 international visits a year. SBI Card PRIME: 8 domestic visits a year · 4 international visits a year.


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Fees are before GST. A rate that has aged says so. Brief is not a financial adviser and takes no fee from any bank for the order of this page.

Canonical: https://getbrief.cards/compare/sbi-elite-vs-sbi-prime