Apollo Sbi Card Mastercard Credit Card vs Sbi Card Elite Advantage Visa Signature Credit Card: Which is Better in 2026?
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The Apollo Sbi Card Mastercard Credit Card offers no notable benefits, while the Sbi Card Elite Advantage Visa Signature Credit Card provides a range of rewards and perks. This comparison highlights the differences in rewards, travel benefits, and overall costs associated with each card.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | Apollo Sbi Card Mastercard Credit Card | Sbi Card Elite Advantage Visa Signature Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.4999 |
| Annual fee waiver | — | Spend Rs.10 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 2 Reward Points per Rs.100 |
| Lounge — domestic | — | 2 Complimentary Airport Lounge Access Per Quarter |
| Lounge — international | — | Enjoy 6 Complimentary International Lounge Visits |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Complimentary Club Vistara Silver Tier Membership |
| Milestone benefit | — | Earn 15000 Bonus Reward Points on Spend of Rs.5 Lakhs; Earn 15000 Bonus Reward Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | — | 1.99% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Elite Advantage Visa Signature Credit Card is significantly better for rewards, offering 2 Reward Points per Rs.100 spent, along with various bonus points for higher spending thresholds. In contrast, the Apollo Sbi Card Mastercard Credit Card does not provide any rewards or points accumulation, making it less appealing for users looking to earn benefits from their spending.
Which is better for travel?
For travel benefits, the Sbi Card Elite Advantage Visa Signature Credit Card again takes the lead, offering 6 complimentary international lounge visits and 2 domestic lounge accesses per quarter. The Apollo Sbi Card Mastercard Credit Card lacks any travel-related perks, making it unsuitable for frequent travelers.
Which has lower effective cost?
In terms of fees, the Sbi Card Elite Advantage Visa Signature Credit Card has an annual fee of Rs.4999, which can be waived by spending Rs.10 Lakhs. The Apollo Sbi Card Mastercard Credit Card does not specify any fees, but without any benefits, it may not provide good value. Therefore, while the fees are comparable, the value derived from the Elite Advantage card's features justifies the cost.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no annual fees and are not interested in rewards or travel benefits. It may suit those who want a basic credit card for occasional use without the complexities of rewards programs.
Who should pick Sbi Card Elite Advantage Visa Signature Credit Card?
Consider Sbi Card Elite Advantage Visa Signature Credit Card if you are a frequent traveler or a spender who can take advantage of the rewards program. The card's travel perks and bonus rewards make it a strong choice for maximizing benefits on your expenditures.
Frequently Asked Questions
No, the Apollo Sbi Card Mastercard Credit Card does not offer any rewards or benefits.
The annual fee for the Sbi Card Elite Advantage Visa Signature Credit Card is Rs.4999.
You can waive the annual fee for the Sbi Card Elite Advantage by spending Rs.10 Lakhs in a year.
The Sbi Card Elite Advantage offers 6 complimentary international lounge visits and 2 domestic lounge accesses per quarter.