SBI Card PRIME
Fees
₹2,999 + Taxes
Joining & AnnualReward 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 Access
Domestic + International (Companion Entry)
FindMyCard 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.
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 actively charged on every points redemption instance
Editorial Verdict
The SBI Card PRIME is ideally suited for everyday premium rewards, dining & milestone vouchers. If you want 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, this card delivers real value. The ₹2,999 + taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
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)
Complimentary Club Vistara Silver Tier membership, including 1 premium lounge access voucher and 9 Club Vistara points per ₹100 spent on flights
Complimentary Trident Privilege Red Tier membership, including 1,000 welcome points and a 10% instant discount on hotel bookings
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)
🚀 Milestone Spends Timeline
Spend ₹50,000 within the first 24 hours to get an instant pizza franchise discount e-voucher
Spend ₹3,00,000 annually: Complete waiver/reversal of the ₹2,999 annual renewal fee for the subsequent year
Spend ₹5,00,000 annually: Receive an automated premium travel brand e-gift voucher worth ₹7,000 from Yatra or its partners
Fees & Charging Rates
Annual Fee Waivers
₹2,999 + Taxes
💡 Annual fee waived on reaching ₹3 Lakh in annual spends
Regular Interest Charges
3.50% per month (42.00% per annum)
📅 Late Payment Fee Penalty Tiers
| Outstanding Balance Amount | Late Payment Fee Penalty |
|---|---|
| up to 500 | Nil |
| 501 to 1000 | ₹400 |
| 10001 to 25000 | ₹950 |
| 25001 to 50000 | ₹1,100 |
| above 50000 | ₹1,300 |
Eligibility Criteria
age
21 to 65 years
employment profiles
Salaried and Self-Employed Profiles
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... | Domestic + International (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 |