Vyaya
Side-by-Side Comparison|Updated March 2026

Fabindia SBI Card SELECT vs SBI Card PRIME

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
View Full Details

SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
View Full Details

Feature-by-Feature Comparison

FeatureFabindia SBI Card SELECTSBI Card PRIME
Annual Fee₹1,499₹2,999
Joining Fee₹1,499₹2,999
Fee Waiver Spend₹2,00,000₹3,00,000
Base Reward Rate0.25%0.125%
Reward CurrencyReward PointReward 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 PRIME

  • 0% on Dining
  • 0% on Groceries
  • 0% on Movies

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 PRIME

Pros

  • Accelerated 10 Reward Points per ₹100 on dining, groceries, and movies (2.5% value back).
  • Generous welcome benefit with a ₹3,000 e-gift voucher that offsets the joining fee.
  • Comprehensive lounge access with 8 domestic and 4 international visits annually.
  • Milestone vouchers worth up to ₹11,000 annually on reaching spend targets.

Cons

  • Low base reward rate of 0.5% (2 points per ₹100) on general spends.
  • High foreign currency markup of 3.5% compared to other premium cards.
  • Reward points on utility bills are capped and only applicable for standing instructions.

Our Verdict

Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.

Choose Fabindia SBI Card SELECT if

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

Choose SBI Card PRIME if

High rewards on everyday categories like dining, groceries, and movies.

Frequently Asked Questions

Which is better: Fabindia SBI Card SELECT or SBI Card PRIME?
Fabindia SBI Card SELECT edges ahead overall with a stronger combination of rewards and value. However, SBI Card PRIME could be the better pick if its specific category strengths match your spending habits.
What is the annual fee difference between Fabindia SBI Card SELECT and SBI Card PRIME?
Fabindia SBI Card SELECT has an annual fee of ₹1,499, while SBI Card PRIME has an annual fee of ₹2,999. Fabindia SBI Card SELECT offers a fee waiver on ₹2,00,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: Fabindia SBI Card SELECT or SBI Card PRIME?
Fabindia SBI Card SELECT offers a base reward rate of 0.25%. SBI Card PRIME offers 0.125% base rewards with bonuses on Dining and Groceries. The better choice depends on your primary spending categories.
Can I have both Fabindia SBI Card SELECT and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. Fabindia SBI Card SELECT and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: Fabindia SBI Card SELECT or SBI Card PRIME?
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.

Related Comparisons

Fabindia SBI Card SELECT vs Axis Bank Select Credit CardSBI Card PRIME vs Axis Bank Select Credit Card

Explore More

Fabindia SBI Card SELECT Full ReviewSBI Card PRIME Full ReviewAll SBI Card CardsBrowse All Credit CardsCredit Card Guides & Tips