SBI Card PRIME
Fees
₹2,999 + Taxes
Joining & annual
Reward Rate
20 reward points per ₹100 spent on your birthday; 10 reward points per ₹100 spent on dining, groceries, departmental stores, and movie tickets; 2 reward points per ₹100 spent on all other retail transactions
Welcome Bonus
₹3,000 worth of e-gift vouchers from choice of brand partners (Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, Yatra) on joining fee settlement
Lounge
8 Domestic + 4 Int'l/yr (Companion Entry)
Our Expert Take
SBI Card PRIME's welcome vouchers typically cover the ₹2,999 joining fee outright, and the 10X point rate on dining, groceries, movies and department stores lines up well with common monthly spending. The birthday bonus of 20X points is a nice, low-effort extra.
Reward limits
Checked 27 Sep 2026 · Bank terms
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20 points per ₹100 on utility bills paid by standing instruction
Max 3,000 points
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20 points per ₹100 on birthday spends
Max 2,000 points per calendar year
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10 points per ₹100 on dining, departmental stores, movies and grocery
No published limit
No rewards on: Fuel, rent, wallet loads, government, gaming, education, EMI/Flexipay
Where this card earns most
Paying directly in the app or site · 0.5% on other spends
Pros & Cons
Key Advantages
- Welcome gift voucher entirely offsets the upfront first-year joining fee barrier
- Strong 10X reward points multiplier across major daily spending verticals (dining, groceries, movies, and departmental stores)
- Domestic and international airport lounge access, including companion entry
- Highly valuable milestone achievement rewards up to ₹14,500 per year
- Low cash conversion reward redemption parity threshold
Limitations
- Imposes strict monthly cycle capping limits on the 10X accelerated point tiers
- Fuel purchases, wallet reloads, rental outlays, and cash advances are entirely excluded from generating reward points
- A standard processing fee of ₹99 is charged on every points redemption instance; the previously included Club Vistara Silver and Trident Privilege Red Tier memberships have since been discontinued
Key Perks & Spending Milestones
20 reward points accrued for every ₹100 spent on transactions executed on the cardholder's birthday
10 reward points accrued for every ₹100 spent on dining, groceries, departmental stores, and movie tickets
2 reward points accrued for every ₹100 spent universally across all external online and offline everyday card outlays
Standard redemption value benchmark where 4 Reward Points = ₹1 value when settled for gift vouchers or retail items
Accelerated 10X reward points are capped at a maximum of 10,000 reward points per monthly statement cycle
4 complimentary international airport lounge visits per year via Priority Pass membership (capped at a maximum of 2 visits per quarter)
8 complimentary domestic airport lounge visits per year across India (capped at a maximum of 2 visits per quarter)
8 complimentary domestic + 4 complimentary international airport lounge visits per year (2 per quarter each), plus companion entry
Up to 25% discount on dining bills at partner pizza outlets via a companion app
1% fuel surcharge waiver shield protection covering all petrol pump transactions ranging between ₹500 and ₹4,000 (capped up to ₹250 saved per month)
Spend milestone
Spend ₹50,000 within the first 24 hours to get an instant pizza franchise discount e-voucher
Spend milestone
Spend ₹3,00,000 annually: Complete waiver/reversal of the ₹2,999 annual renewal fee for the subsequent year
Spend milestone
Spend ₹5,00,000 annually: Receive an automated premium travel brand e-gift voucher worth ₹7,000 from Yatra or its partners
Fees & Charges
Joining fee
₹2,999 + Taxes
Annual fee
₹2,999 + Taxes
Annual fee waived on reaching ₹3 Lakh in annual spends
Interest rate
Up to 3.75% per month (45% per annum)
Late payment fee
Nil up to ₹100; ₹100 for ₹101-₹500; ₹500 for ₹501-₹1,000; ₹750 for ₹1,001-₹10,000; ₹950 for ₹10,001-₹25,000; ₹1,100 for ₹25,001-₹50,000; ₹1,300 above ₹50,000
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
How many lounge visits does SBI Card PRIME offer?
Are the Club Vistara and Trident memberships still included with SBI Card PRIME?
What's the reward rate on SBI Card PRIME?
Is there a fee for redeeming SBI Card PRIME reward points?
Compare SBI Card PRIME With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| SBI Card PRIME This Card | ₹2,999 + Taxes | 20 reward points per ₹100 spent on your birthday; 10 reward points... | 8 Domestic + 4 Int'l/yr (Companion Entry) | 4.2/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |