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SBI Card · SBI Card
Elite vs Cashback
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
70composite score
95% rule confidence
95% rule confidence
Annual fee
₹4,999
₹999
Network
Mastercard
Visa
Base reward rate
2%
5%
Min. income (monthly)
₹1,00,000
₹30,000
Min. credit score
720+
700+
Best for
Dining
Online shopping
Bonus reward categories differ, see the rule tables on each card's detail page for the fine print.
Tapwise verdict
Cashback edges out for most wallets.
- Better base rate, 5% vs 2% on everything outside a bonus bucket.
- Lighter annual fee, ₹999 vs ₹4,999.
- Easier to qualify, ₹30,000/mo income gets you in versus ₹1,00,000/mo.
Composite score
Elite45
Cashback70
Scored on fee, base rate, qualification, and rule confidence. Tapwise's personal recommendation also weighs your actual spending.
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