SBI Card PRIME benefits
- Rewards10
reward points per ₹100 on dining, groceries, departmental stores and movies
up to 7,500 points a month
- Rewards20
reward points per ₹100 on utility bills paid by standing instruction
- Gift₹1,000
Pizza Hut voucher on ₹50,000 of spends in a quarter
- Gift₹7,000
e-gift voucher on ₹5 lakh of yearly spends
- Lounge4
international lounge visits a year with Priority Pass
Good to know
- Annual fee ₹2,999, waived on ₹3 lakh of yearly spends
SBI Card PRIME rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Dining and food delivery10 reward points per ₹100 on dining, departmental stores, groceries and movies. These spends share a limit of 7,500 points a calendar month, then earn 2 points per ₹100. | 10 points per ₹100 | 7,500 |
| Groceries10 reward points per ₹100 at grocery stores, supermarkets and departmental stores. Shares the 7,500 point limit. | 10 points per ₹100 | 7,500 |
| Bills and utilities20 reward points per ₹100 on utility bills paid by standing instruction, set up through the SBI Card app, website or agents, up to 3,000 points a month. Left out of the maths because it needs a standing instruction. | 20 points per ₹100 | 3,000 |
| Everything else | 2 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel and wallet loads.
All reward rules
- SBI Card's rewards terms value reward points at about ₹0.25 each (2,000 points are worth about ₹500), so 10 points per ₹100 is about 2.5% back and 2 points is 0.5%.
- Movies also earn 10 points per ₹100, within the 7,500 point monthly limit.
- 20 reward points per ₹100 on your birthday, the day before and the day after, up to 1,800 points a year.
- Milestones: a ₹1,000 Pizza Hut e-voucher when you spend ₹50,000 in a calendar quarter, and a ₹7,000 e-gift voucher on ₹5 lakh of spends in a year.
- Welcome gift: an e-gift voucher worth ₹3,000 after you pay the annual fee.
- Reward points are valid for 24 months. SBI Card charges ₹99 for redemptions as statement credit or physical products.
What the SBI Card PRIME gives back in a year
Say you spend ₹30,000 a month, like our “food and groceries” pattern. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹10,000 | 2.5% | ₹3,000 |
| Dining and food delivery | ₹9,000 | 2.5% | ₹2,700 |
| Online shopping | ₹3,000 | 0.5% | ₹180 |
| Travel | ₹1,000 | 0.5% | ₹60 |
| Fuel | ₹2,000 | 0% | ₹0 |
| Bills and utilities | ₹3,000 | 0.5% | ₹180 |
| Everything else | ₹2,000 | 0.5% | ₹120 |
| Total | ₹30,000 | ₹6,240 | |
| Renewal fee with GST | Waived | ||
| You keep | ₹6,240* |
SBI Card PRIME annual fee and charges
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Fee waiver
- ₹3,00,000 a year
- Foreign currency markup
- 3.5%
Joining fee ₹2,999 and annual fee ₹2,999, both before GST. The renewal fee is waived if you spent ₹3 lakh or more in the previous year.
Fuel surcharge: 1% fuel surcharge waiver on fuel spends from ₹500 to ₹4,000, up to ₹250 per statement cycle.
SBI Card PRIME eligibility
SBI Card does not publish a minimum age or income for this card. SBI Card checks eligibility when you apply.
The bank alone decides approval and your credit limit.
SBI Card PRIME lounge access
4 international visits a year. Banks often set a spend condition, so read the reward rules above.
4 international lounge visits a year through a free Priority Pass, at most 2 a quarter, for the primary cardholder. SBI Card's older brochure also lists 2 domestic visits a quarter, but the current terms booklet does not confirm it, so we do not count them.
Is the SBI Card PRIME right for you?
A card with a ₹2,999 fee that spending can waive, paying 2.5% on dining and food delivery and a below-average 0.5% elsewhere.
Worth its fee if you spend about ₹18,000 a month or more. Below that, the ₹2,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You spend a lot on dining and food delivery: the card pays 2.5% back there, against 0.5% on most other spends.
- You spend ₹3,00,000 a year or more (about ₹25,000 a month), so the ₹2,999 renewal fee is waived.
- You fly a few times a year: it includes 4 international airport lounge visits a year.
Not for you if
- You spend less than about ₹25,000 a month: you would pay ₹3,539 a year with GST.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to SBI Card PRIME
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| SBI Card PRIME | ₹2,999 | 5% | ₹3,780* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
| IDFC FIRST Wealth Credit Card | Free | 1.25% | ₹1,755* |
If most of your spending looks like the example above, the BOBCARD ETERNA Credit Card may suit you better: it would leave you ₹7,200 a year, against ₹6,240 with the SBI Card PRIME.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the annual fee of the SBI Prime Credit Card?
The joining fee and the annual fee are ₹2,999 each, before GST. The renewal fee is waived if you spent ₹3 lakh or more in the previous year.
How many reward points does SBI Card PRIME give?
10 reward points per ₹100 on dining, groceries, departmental stores and movies, up to 7,500 points a calendar month. Other spends earn 2 points per ₹100. Fuel and wallet loads earn nothing.
What is the value of an SBI Card PRIME reward point?
SBI Card's rewards terms value points at about ₹0.25 each, so 4 points are worth about ₹1. That makes the 10X rate about 2.5% back.
Does SBI Card PRIME give lounge access?
Yes. You get a free Priority Pass with 4 international lounge visits a year, at most 2 a quarter, for the primary cardholder.
What milestone benefits does SBI Prime have?
A ₹1,000 Pizza Hut e-voucher when you spend ₹50,000 in a calendar quarter, and a ₹7,000 e-gift voucher when you spend ₹5 lakh in a year.