Credit cards aren’t just for swiping anymore—they’re lifestyle companions. Whether you’re a globetrotter flying every week, a foodie exploring every new café, or someone who shops online more than in-store, SBI has a premium credit card for you. Instead of throwing jargon and numbers your way, let’s walk through some real-life stories and figure out which SBI card might fit your lifestyle best.
Quick Comparison Table: Common Features of SBI Premium Credit Cards
| Feature | SBI ELITE Card | SBI PRIME Card | SBI PULSE Card | SBI AURUM Card | SimplyCLICK Card |
| Annual Fee | ₹4,999 + GST | ₹2,999 + GST | ₹1,499 + GST | ₹9,999 + GST | ₹499 + GST |
| Spend-Based Reversal | ₹10 lakh | ₹3 lakh | ₹2 lakh | ₹12 lakh | ₹1 lakh |
| Reward Points | 2 RP/₹100 (regular) | 10 RP/₹100 (dining, etc.) | 10 RP on health | Premium-tier RP | 10X RP (select sites) |
| Lounge Access | 6 Intl, 8 Dom/year | 4 Intl, 8 Dom/year | 8 Dom/year | Unlimited Intl & Dom | None |
| Fuel Surcharge Waiver | 1% (₹500–₹4,000) | 1% | 1% | 1% | 1% |
| Welcome Gift | Vouchers worth ₹5,000 | ₹3,000 vouchers | Health kits + perks | Luxury gifts & access | ₹500 Amazon voucher |
1. For Frequent Flyers: SBI ELITE Credit Card
Meet Ankur. A marketing executive whose life revolves around airports, hotels, and client meetings across cities. For someone always on the move, comfort is key—and the SBI ELITE Credit Card has become his travel buddy. What makes it worth it?
- 6 complimentary international and 8 domestic lounge visits every year.
- ₹5,000 worth welcome vouchers from brands like Yatra, Hush Puppies, or Aditya Birla Fashion.
- Movie ticket offers worth ₹6,000 annually via BookMyShow.
- Reward rate is decent: 2 reward points for every ₹100 spent; accelerated for dining, international, and grocery spends.
- Annual fee: ₹4,999 + GST. But if you spend ₹10 lakh in a year, it gets waived.
- If you’re spending big and traveling often, the ELITE card makes the journey smoother and more rewarding.
2. For Foodies & Daily Spenders: SBI PRIME Credit Card
Say hello to Sneha. She’s not a big traveler, but she loves shopping, trying out restaurants, and catching a good movie on weekends. Her card of choice? The SBI PRIME Credit Card. Why it fits her well:
- She gets 10 reward points per ₹100 on dining, groceries, movies, and department stores.
- Domestic and international lounge visits? Covered.
- A welcome gift voucher worth ₹3,000.
- Milestone benefits—vouchers up to ₹7,000 per year on crossing spending thresholds.
- Fuel surcharge waiver and a very achievable ₹3 lakh spend for the annual fee waiver.
- For middle-to-high-income families who love rewards on daily spending, the PRIME card hits the sweet spot.
Also read: Axis Bank’s SuperMoney RuPay Card: Here’s What Makes It So Special!
3. For Health-Focused Users: SBI PULSE Credit Card
Ajay, 37, has started taking his health seriously. He tracks steps, eats clean, and avoids late-night junk food. So, when he saw a card built specifically for health-conscious users, he signed up for the SBI PULSE Credit Card. Here’s why it clicked:
- 10 reward points per ₹100 spent on medical, pharmacy, and fitness-related purchases.
- Complimentary Netmeds First and FITPASS PRO memberships.
- Lounge access (8 domestic visits annually) to make even his business trips restful.
- ₹1,499 annual fee, but waived off if he hits just ₹2 lakh in spending.
- He even gets milestone benefits like vouchers on hitting spending milestones.
- If health and wellness are a priority, this is the only SBI card that speaks your language.
4. For Luxury Seekers: AURUM SBI Card (Invite Only)
Kavita is a fashion buyer for a luxury brand. Her world involves VIP lounges, designer hotels, and globe-hopping. She wanted more than a credit card—she wanted an experience. Enter: AURUM SBI Card. Why it stands out:
- Unlimited international and domestic lounge access—no limits, no fuss.
- Premium gift boxes, Club Marriott memberships, and handpicked luxury perks.
- Four guest lounge visits per year internationally—a rare and useful benefit.
- Spends above ₹12 lakh annually get her the ₹9,999 fee waived.
- Access to a lifestyle concierge and curated luxury offers.
- This card isn’t for everyone—it’s for the few who live life first-class.
5. For Online Shoppers: SimplyCLICK SBI Credit Card
Lastly, meet Aanya. A 26-year-old digital marketer who shops, books tickets, and even orders groceries online. The SimplyCLICK SBI Credit Card fits right into her online life. Perks she loves:
- 10X reward points on Amazon, BookMyShow, Cleartrip, Netmeds, and more.
- Welcome voucher of ₹500 from Amazon, just for signing up.
- On spending ₹1 lakh and ₹2 lakh annually, she gets e-vouchers worth ₹2,000.
- Fuel surcharge waiver? Yup, that too.
- Annual fee: Just ₹499, waived off on spending ₹1 lakh in a year.
- It’s the best budget-friendly card for young professionals who live online.
Final Thoughts
There’s no one-size-fits-all when it comes to premium credit cards. Think of them like tailored suits—they must fit your lifestyle.
- Always traveling? Go with ELITE.
- Love dining and family shopping? PRIME is for you.
- Health-conscious? Choose PULSE.
- Crave luxury? If you’re eligible, AURUM is unbeatable.
- Shop online? SimplyCLICK offers max bang for your buck.
Written by Roshni Mohinani
