Apollo Sbi Card Mastercard Credit Card vs Sbi Card Prime 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 Prime Visa Signature Credit Card provides a range of rewards and features. The latter includes welcome vouchers, reward points on various categories, and complimentary lounge access, making it a more appealing option for users seeking value.
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 Prime Visa Signature Credit Card |
|---|---|---|
| Bank | SBI Cards | SBI Cards |
| Network | MasterCard | Visa |
| Joining fee | — | — |
| Annual / renewal fee | — | Annual Fee of Rs.2999 |
| Annual fee waiver | — | Spend Rs.3 Lakhs For Waiver of Renewal Fee |
| Reward rate (headline) | — | Earn 10 Reward Points on Dining |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Calendar Year |
| Lounge — international | — | Enjoy 4 Complimentary International Lounge Visits |
| Fuel surcharge waiver | — | — |
| Welcome benefit | — | Welcome E-Gift Voucher Rs.3000 |
| Milestone benefit | — | — |
| Foreign currency markup | — | 3.5% - Foreign Currency Transactions |
Which is better for rewards?
The Sbi Card Prime Visa Signature Credit Card is superior for rewards, offering 10 reward points on movies, dining, and groceries, along with a birthday benefit that enhances its appeal. In contrast, the Apollo Sbi Card Mastercard Credit Card lacks any reward structure, making it less attractive for users interested in earning points on their spending.
Which is better for travel?
For travel benefits, the Sbi Card Prime Visa Signature Credit Card stands out with 8 complimentary domestic lounge access and 4 international lounge visits per year. The Apollo Sbi Card Mastercard Credit Card, however, does not provide any lounge access or travel-related benefits, making it less suitable for frequent travelers.
Which has lower effective cost?
Both cards have a renewal fee structure, but the Sbi Card Prime Visa Signature Credit Card has a clear fee of Rs.2999 with a waiver option based on spending. The Apollo Sbi Card Mastercard Credit Card does not disclose any fees or waivers, which may indicate a lack of transparency or benefits associated with its costs.
Who should pick Apollo Sbi Card Mastercard Credit Card?
Consider Apollo Sbi Card Mastercard Credit Card if you prefer a card with no fees or if you are looking for a basic credit card without additional features. It may suit those who do not frequently use credit cards for rewards or travel benefits.
Who should pick Sbi Card Prime Visa Signature Credit Card?
Consider Sbi Card Prime Visa Signature Credit Card if you want a card that offers substantial rewards, travel benefits, and a welcome voucher. It is ideal for users who spend regularly on dining, movies, and groceries and seek to maximize their credit card rewards.
Frequently Asked Questions
The Apollo Sbi Card Mastercard Credit Card does not disclose any annual fees in the provided information.
The Sbi Card Prime Visa Signature Credit Card offers 10 reward points on movies, dining, and groceries, along with a birthday benefit.
The Sbi Card Prime Visa Signature Credit Card provides 8 complimentary domestic lounge accesses and 4 international lounge visits per year.
Yes, the Sbi Card Prime Visa Signature Credit Card offers a welcome e-gift voucher worth Rs.3000 upon payment of the joining fee.