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Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs SBI Card ELITE

Detailed comparison of fees, rewards, benefits, and value to help you choose the right credit card for your spending pattern.

SBI Card

Fabindia SBI Card SELECT

7.5/10
Annual Fee₹1,499
Base Rewards0.25%
NetworkVisa
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SBI Card

SBI Card ELITE

7.2/10
Annual Fee₹4,999
Base Rewards0.5%
NetworkVisa
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Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTSBI Card ELITE
Annual Fee₹1,499₹4,999
Joining Fee₹1,499₹4,999
Fee Waiver Spend₹2,00,000₹10,00,000
Base Reward Rate0.25%0.5%
Reward CurrencyReward PointSBI Reward Points
NetworkVisaVisa
Editor Rating7.5/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

Fabindia SBI Card SELECT

No accelerated rewards listed

SBI Card ELITE

  • 0.62% on Dining
  • 0.62% on Departmental Stores
  • 0.62% on Grocery

Pros & Cons

Fabindia SBI Card SELECT

Pros

  • High 10% value back on all Fabindia in-store and online spends.
  • Welcome gift voucher of ₹1,500 effectively offsets the joining fee.
  • Direct access to Platinum Tier Fabfamily membership for exclusive privileges.
  • Complimentary domestic lounge access and Priority Pass membership included.

Cons

  • Reward points are primarily valuable only when redeemed for Fabindia shopping.
  • Base reward rate for general spends is relatively low at 1%.
  • International lounge visits via Priority Pass are not complimentary (membership only).

SBI Card ELITE

Pros

  • Complimentary movie tickets worth ₹6,000 annually (₹500 per month).
  • Low foreign currency markup of 1.99% compared to the standard 3.5%.
  • High milestone rewards of up to 50,000 bonus points worth ₹12,500.
  • Comprehensive lounge access with 8 domestic and 6 international visits per year.

Cons

  • High annual fee waiver threshold of ₹10 Lakhs.
  • Base reward rate is relatively low at 0.5% for a premium card.
  • Club Vistara and Trident memberships have been discontinued for new users.

Our Verdict

Both Fabindia SBI Card SELECT and SBI Card ELITE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose Fabindia SBI Card SELECT if

The 10% reward rate and Platinum tier membership offer unmatched value for frequent Fabindia shoppers.

Choose SBI Card ELITE if

The monthly ₹500 movie ticket benefit effectively covers the annual fee.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or SBI Card ELITE?
Both Fabindia SBI Card SELECT and SBI Card ELITE are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.
What is the annual fee difference between Fabindia SBI Card SELECT and SBI Card ELITE?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while SBI Card ELITE has an annual fee of ₹4,999. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. SBI Card ELITE offers a fee waiver on ₹10,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or SBI Card ELITE?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. SBI Card ELITE offers 0.5% base rewards with bonuses on Dining and Departmental Stores. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and SBI Card ELITE?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and SBI Card ELITE can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or SBI Card ELITE?
For beginners, Fabindia SBI Card SELECT may be more approachable with a lower annual fee of ₹1,499. However, evaluate based on your expected spending pattern rather than fee alone.

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