SBI Card PRIME
Updated on August 25, 2026
🎖️Reward Rate
Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
Overview
SBI Card PRIME by SBI Card provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Accelerated Rewards: 10 Reward Points per ₹100 (2.5% return) on Dining, Groceries, Departmental stores and Movies. 20 Reward Points per ₹100 on your Birthday.
- • Excluded Categories: Fuel, Wallet loads
Welcome Benefit
Welcome e-gift voucher worth ₹3,000 across top brands (Bata, Marks & Spencer, Pantaloons, Shoppers Stop, Yatra); Qualification Criteria: Payment of annual fee within 30 days; Fulfillment Timeline: 15 days post fee realization
Milestone Benefit
Spend ₹3 Lakhs (Annual): Annual renewal fee waiver of ₹2,999; Spend ₹50,000 (Quarterly): ₹1,000 Pizza Hut e-gift voucher on quarterly spend of ₹50,000; Spend ₹5 Lakhs (Annual): ₹7,000 Yatra.com / Pantaloons e-voucher; Annual Fee Waiver: Spend ₹3,00,000 or more in preceding 12 months for annual fee waiver
Redemption
SBI Card Rewards catalog for electronics, vouchers, and statement credit at 1 RP = ₹0.25
Benefits
- Domestic Airport Lounge: 8 per year (2 per quarter) via Visa / Mastercard Domestic Lounge Program
- International Airport Lounge: 4 per year via Priority Pass (max 2 per quarter) via Priority Pass
- Fuel Surcharge Waiver: 1% (Max waiver ₹250 per month)
- Trident Privilege Red Tier Membership: Complimentary Trident Privilege Red Tier membership with 1,000 welcome points on registration. (Exclusive room booking discounts and culinary benefits) [Partners: Trident Hotels]
Things to Know Before you apply
SBI Card PRIME Eligibility Criteria
- Age: 21–70 years
- Salaried min ₹35,000/month; Self-employed min ITR ₹6,00,000 p.a.
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | 2.5% (min ₹500) |
Fee waiver: Spend ₹3,00,000 or more in preceding 12 months for annual fee waiver
PaisaSimple Review
Overall Rating
4.9/5What do we like about this card?
SBI Card PRIME issued by SBI Card is one of India's leading credit cards for Mid-Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
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₹3,000
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₹2,000
- • Welcome e-gift voucher worth ₹3,000 across top brands (Bata, Marks & Spencer, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual fee within 30 days
- • Fulfillment Timeline: 15 days post fee realization
- • Complimentary Annual Memberships (Swiggy One & Times Prime) upon spending ₹75,000 within 90 days
- • Qualification Criteria: Spend ₹75,000 within 90 days of card setup
- • Fulfillment Timeline: Issued via SMS/Email within 30 days post spend milestone
- • Welcome vouchers worth ₹5,000+ (Tata CLiQ, EaseMyTrip, Croma) on payment of joining fee
- • Qualification Criteria: Card activation and fee payment within 45 days
- • Fulfillment Timeline: 45 days post fee realization
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Accelerated Rewards: 10 Reward Points per ₹100 (2.5% return) on Dining, Groceries, Departmental stores and Movies. 20 Reward Points per ₹100 on your Birthday.
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Accelerated Rewards: Up to 5X Reward Points via SmartBuy & 2X rewards on weekend dining
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Accelerated Rewards: 50% extra points on American Express card variant
- • Excluded Categories: Fuel, Wallet loads
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on general retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Reward Points per ₹150 (Base 2.6% reward point accumulation)
- • Forex markup rate of 2%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 4 Handpicked Points per ₹100 (4 Handpicked Points per ₹100 on international spends)
- • 2 Handpicked Points per ₹100 (2 Handpicked Points per ₹100 on domestic retail spends)
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2500
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions