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Horizon vs SBI ELITE – Full comparison
Both cards verified with issuer
Horizon source SBI ELITE sourceForex costs are a key difference
Key differences
Best forex SBI ELITE 1.99%
Lowest fee Horizon ₹3,000
Best lounge Horizon 32/year lounge
Spend context
At ₹50k/month spend:
- Horizon: Base earn not clearly specified
- SBI ELITE: Base earn not clearly specified
Approximate, based on base rates (before caps).
| Horizon AXIS | SBI ELITE SBI | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits 32/year vs 6/year | 32/year | 6/year |
| International lounge visits Only available for Horizon | 8/year | Varies by variant |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 3.5% vs 1.99% | 3.5% | 1.99% |
| Fees | ||
| Annual fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| Joining fee ₹3,000 vs ₹4,999 | ₹3,000 | ₹4,999 |
| Fee waiver spend Only available for SBI ELITE | Not clearly specified | ₹6,00,000 |
| Rewards | ||
| Points per ₹100 Only available for SBI ELITE | Check issuer | 2 pts |
Notes
- Some data has low confidence — verify with the issuer before relying on it.
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
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Important
Data is compiled from issuer and public sources. Always verify with the issuer before applying.