IDBI Euphoria vs Reliance SBI PRIME
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDBI Euphoria Credit Card wins 3 of 8 dimensions with a CardTrail Score of 7.9/10 vs 8.4/10.
| Feature | IDBI Euphoria | Reliance SBI PRIME |
|---|---|---|
| CardTrail Score | 7.9/10 | 8.4/10 |
| Annual Fee | ₹1,499 | ₹2,999 |
| Base Reward Rate | 3% | 1% |
| Max Reward Rate | 6% | 2.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | -1 | 8 |
| International Lounges | 0 | 4 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Mastercard | Visa |
When to Choose IDBI Euphoria
- You can meet the fee waiver condition: Spend Rs 1.5L/year
- You want higher rewards — up to 6% vs 2.5%
- Your primary spend is: travel, lounge, rewards
When to Choose Reliance SBI PRIME
- You can meet the fee waiver condition: Spend ₹3L/year
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: shopping, cashback, rewards
Annual Fee Value Analysis
To break even on IDBI Euphoria's ₹1,499 fee at 3% rewards, spend ₹4,164/month.
To break even on Reliance SBI PRIME's ₹2,999 fee at 1% rewards, spend ₹24,992/month.