SBI Card PRIME
4.9/5.0
Updated on August 25, 2026
🎖️Reward Rate
Accelerated category: Get 10 reward points on dining, departmental stores, and grocery spends
Overview
SBI Card PRIME by SBI Card provides premium value tailored for Mid-Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Accelerated category: Get 10 reward points on dining, departmental stores, and grocery spends
- • Utility bill standing instruction bonus: Get 20 Reward Points on utility bill payment standing instructions
- • Birthday bonus: Earn 20 Reward Points per ₹100 on birthday spends, valid one day before, on, and one day after your birthday
Milestone Benefit
Quarterly ₹50,000 spend: Rs. 1,000 Pizza Hut e-Voucher on quarterly spends of Rs. 50,000 (Prime Pro cardholders: voucher worth Rs. 500 on the same spend)
Redemption
Point value / catalog: Not shown numerically in the screenshots reviewed
Benefits
- Domestic lounge access: 8 Domestic Lounge visits every year
- International lounge access: 4 International Priority Pass Lounge visits every year
- complimentary Priority Pass Program membership worth $99
- Fuel Surcharge Waiver: Not shown in the Benefits/Privileges screenshots reviewed for this card
- Network-specific privileges (golf, hotel discounts, dining): Mastercard: 4 rounds complimentary green fees + up to 50% off golf, 1 lesson/month at select courses. Visa: exclusive benefits across 900 luxury hotels worldwide + concierge. Amex: up to Rs. 600 instant discount at Swiggy/Zomato/Blinkit, up to 25% off at 500+ restaurants.
- Add-on Card Fee: Nil (per annum)
- Cash Access / Flexipay / Add-on / Balance Transfer / Utility Bill Pay: Cash Access (1 million Visa/Mastercard/Amex ATMs globally)
- Flexipay EMI (transactions ≥ Rs. 2,500)
- Add-on Cards (family 18+)
- Balance Transfer on EMI
- Utility Bill Payment Facility
- Safe & Secure chip-and-pin
Things to Know Before you apply
SBI Card PRIME Eligibility Criteria
- Age: 21–70 years
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹2,999 |
| Annual Fee | ₹2,999 |
| Foreign Currency Mark-up Fee | 3.5% |
PaisaSimple Review
Overall Rating
4.9/5Pros
- • 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
Rating
4.9/5
4.8/5
4.9/5
Fee Details
Joining Fee
₹2,999
Annual/Renewal Fee
₹2,999
Joining Fee
₹1,000
Annual/Renewal Fee
₹1,000
Joining Fee
₹3,000
Annual/Renewal Fee
₹2,000
Welcome Benefit
—
- • Complimentary annual memberships of Swiggy One and Times Prime on spending ₹75,000 within the first 90 days of card issuance
- • 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
Reward/Cashback Rate
- • Accelerated category: Get 10 reward points on dining, departmental stores, and grocery spends
- • Utility bill standing instruction bonus: Get 20 Reward Points on utility bill payment standing instructions
- • Birthday bonus: Earn 20 Reward Points per ₹100 on birthday spends, valid one day before, on, and one day after your birthday
- • 4 Reward Points on every ₹200 retail spend
- • 20 Reward Points on every ₹200 spent on Swiggy and Zomato (5X)
- • Up to 10X Reward Points on spends via SmartBuy
- • 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
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
- • 5X-equivalent reward rate on eligible Swiggy and Zomato online food orders
- • Up to 10X SmartBuy rewards
- • Swiggy One and Times Prime welcome memberships
- • Milestone vouchers
- • Movie and dining benefits
- • Conditional domestic and international lounge access
- • 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
Cons
- • Annual renewal fee of ₹2999
- • Reward exclusion on fuel purchases and wallet load transactions
- • ₹1,000 joining/renewal membership fee plus applicable taxes unless waived
- • Renewal-fee waiver requires ₹3 lakh eligible annual spend
- • Lounge access is linked to eligible previous-quarter spend
- • Reward redemption value varies by redemption channel
- • Annual renewal fee of ₹2000
- • Reward exclusion on fuel purchases and wallet load transactions