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Side-by-Side Comparison|Updated April 2026

HDFC Bank Equitas Elegance Credit Card vs SBI Card PRIME

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

HDFC Bank

HDFC Bank Equitas Elegance Credit Card

7.2/10
Annual Fee₹1,000
Base Rewards0.2%
NetworkVisa
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SBI Card

SBI Card PRIME

7.2/10
Annual Fee₹2,999
Base Rewards0.125%
NetworkVisa
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Feature-by-Feature Comparison

FeatureHDFC Bank Equitas Elegance Credit CardSBI Card PRIME
Annual Fee₹1,000₹2,999
Joining Fee₹1,000₹2,999
Fee Waiver Spend₹2,50,000₹3,00,000
Base Reward Rate0.2%0.125%
Reward CurrencyReward PointsReward Points
NetworkVisaVisa
Editor Rating7.2/107.2/10
Forex Markup3.5%3.5%

Accelerated Rewards

HDFC Bank Equitas Elegance Credit Card

No accelerated rewards listed

SBI Card PRIME

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

Pros & Cons

HDFC Bank Equitas Elegance Credit Card

Pros

  • High reward rate of 5X on groceries, supermarkets, and departmental stores.
  • Generous milestone rewards: 1,500 bonus points monthly and 10,000 points annually.
  • 8 complimentary domestic lounge visits per year (2 per quarter).
  • 2X reward points on flight and hotel bookings.

Cons

  • Reward points are capped at 1,000 per month for accelerated categories.
  • Low reward point value of ₹0.20 per point.
  • Restricted to existing Equitas Small Finance Bank customers 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

Both HDFC Bank Equitas Elegance Credit Card and SBI Card PRIME are strong options. Your choice should depend on your spending pattern and which card's rewards align better with your lifestyle.

Choose HDFC Bank Equitas Elegance Credit Card if

Designed specifically for Equitas customers to maximize rewards on daily essentials and travel.

Choose SBI Card PRIME if

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

Frequently Asked Questions

Which is better: HDFC Bank Equitas Elegance Credit Card or SBI Card PRIME?
Both HDFC Bank Equitas Elegance Credit Card and SBI Card PRIME 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 HDFC Bank Equitas Elegance Credit Card and SBI Card PRIME?
HDFC Bank Equitas Elegance Credit Card has an annual fee of ₹1,000, while SBI Card PRIME has an annual fee of ₹2,999. HDFC Bank Equitas Elegance Credit Card offers a fee waiver on ₹2,50,000 annual spend. SBI Card PRIME offers a fee waiver on ₹3,00,000 annual spend.
Which card has better rewards: HDFC Bank Equitas Elegance Credit Card or SBI Card PRIME?
HDFC Bank Equitas Elegance Credit Card offers a base reward rate of 0.2%. 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 HDFC Bank Equitas Elegance Credit Card and SBI Card PRIME?
Yes, many users hold multiple credit cards to maximize rewards across different spending categories. HDFC Bank Equitas Elegance Credit Card and SBI Card PRIME can complement each other if they cover different reward categories.
Which card is better for beginners: HDFC Bank Equitas Elegance Credit Card or SBI Card PRIME?
For beginners, HDFC Bank Equitas Elegance Credit Card may be more approachable with a lower annual fee of ₹1,000. However, evaluate based on your expected spending pattern rather than fee alone.

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