MyFinCards
SBI Card PRIME

Joining Fee

₹2,999

Annual Fee

Rs. 2999 (Reversed on annual spends of Rs. 3 Lakhs)

SBI Card
Rewards
Lifestyle
Travel
Best For: Frequent diners, Movie enthusiasts, Grocery shoppers, Travelers seeking lounge access, High spenders targeting milestone benefits

SBI Card PRIME

Rewards Structure

Base Reward Rate

2% on spends

Point Value

1 Point = ₹0.25

Earning Cap

₹250 /monthly

Points Validity

24 Months

Pros

  • 10X reward points on dining, groceries, departmental stores and movies
  • Welcome gift worth Rs.3,000
  • 8 complimentary domestic lounge visits per year
  • 4 complimentary international lounge visits per year
  • Birthday bonus rewards (20 points per Rs.100)
  • Milestone benefits including e-vouchers worth Rs.7,000 on Rs.5 Lakh spends
  • Renewal fee waiver on Rs.3 Lakh annual spend
  • Complimentary golf access (Mastercard)
  • Fraud liability cover of Rs.1 lakh

Cons

  • Annual fee of Rs.2,999 + taxes
  • Base reward rate of only 2 points per Rs.100 on non-accelerated categories
  • Fuel surcharge waiver capped at Rs.250 per month
  • Birthday reward points capped at 2,000 per calendar year
  • International lounge access capped at 2 visits per quarter
  • Air Accident insurance of Rs.50 lakhs being discontinued from 15 July 2025

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

No reward points earned on fuel transactions

Fuel surcharge waiver only applicable on transactions between Rs.500 and Rs.4,000

Birthday reward points capped at 2,000 points per calendar year

International lounge visits capped at 2 per quarter (4 per year)

Welcome gift voucher sent within 30 days of annual fee payment, not card issuance

ITC Silver Tier Membership only for cards sourced from 1st September 2025 onwards

Air Accident insurance cover of Rs.50 lakhs discontinued from 15 July 2025

Key Benefits & Features

Welcome e-gift voucher worth Rs.3,000 from Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com

Birthday benefit: 20 Reward Points per Rs.100 spent on birthday (capped at 2000 points per calendar year)

Complimentary 1-year Club ITC Silver Tier Membership for eligible cards sourced from 1st September 2025

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card

Notable Exclusions

No reward points on fuel spends

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

About SBI Card PRIME

The SBI Card PRIME is a premium lifestyle and rewards credit card designed for those who want to maximize value across everyday spending categories. With a joining and annual fee of Rs. 2,999, cardholders receive a welcome e-gift voucher worth Rs. 3,000 from brands such as Bata, Pantaloons, Shoppers Stop, and Yatra.com, making the fee effectively offset from day one. The card delivers strong rewards earning potential, offering 10 Reward Points per Rs. 100 spent on dining, groceries, departmental stores, and movies, along with 2 Reward Points on all other retail spends excluding fuel. Birthday spends are rewarded at an elevated rate of 20 Reward Points per Rs. 100. Cardholders also enjoy quarterly milestone rewards including Pizza Hut e-vouchers, and annual milestones unlocking a Rs. 7,000 e-gift voucher and renewal fee waiver on spends of Rs. 5 Lakhs and Rs. 3 Lakhs respectively. Travel privileges include 4 complimentary international Priority Pass lounge visits and 8 domestic lounge visits per calendar year. Additional benefits include a complimentary ITC Silver Tier Membership, 1% fuel surcharge waiver, contactless payment capability, fraud liability cover of Rs. 1 lakh, and acceptance at over 24 million outlets worldwide. This card is ideally suited for frequent diners, movie lovers, grocery shoppers, and travelers seeking well-rounded lifestyle rewards.

Expert Review

Our Verdict

Premium lifestyle card with 10X rewards on dining & movies, lounge access, and rich milestone benefits.

Frequently Asked QuestionsAbout SBI Card PRIME

FEESWhat is the joining fee and annual fee for SBI Card PRIME?
The SBI Card PRIME has a one-time joining fee of ₹2,999 + applicable taxes. The renewal fee from the second year onwards is also ₹2,999 + applicable taxes. However, the renewal fee can be waived if you spend ₹3 Lakhs or more in a year. Add-on cards are available at no additional annual cost.
BENEFITSWhat welcome gift do I get with SBI Card PRIME?
Upon joining, you receive a welcome e-gift voucher worth ₹3,000. You can choose from brands like Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, and Yatra.com. You will receive an SMS to select your preferred e-voucher option within 30 days of annual fee payment, and the voucher will be sent to your registered mobile number or email within 5 days of your request.
REWARDSHow many reward points do I earn on SBI Card PRIME?
You earn 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movies. For all other retail spends (except fuel), you earn 2 Reward Points per ₹100. On your birthday (including one day before and one day after), you earn 20 Reward Points per ₹100 spent, capped at 2,000 reward points per calendar year. The redemption value is 4 Reward Points = ₹1.
BENEFITSWhat lounge access benefits does SBI Card PRIME offer?
SBI Card PRIME offers 8 complimentary visits per calendar year to Domestic Lounges in India (maximum 2 visits per quarter). It also provides 4 complimentary International Priority Pass Lounge visits outside India per calendar year (maximum 2 visits per quarter). Lounge access is available for primary cardholders only. To receive your Priority Pass, call SBI Card helpline at 1860 180 1290 or 39020202.
BENEFITSWhat are the milestone benefits on SBI Card PRIME?
SBI Card PRIME offers attractive milestone benefits: earn a Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter. On annual spends of ₹3 Lakhs, your renewal fee is waived. On achieving annual spends of ₹5 Lakhs, you receive an e-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons. The Pizza Hut voucher is sent within 30 days of achieving the quarterly milestone.
BENEFITSWhat is the fuel surcharge waiver on SBI Card PRIME?
SBI Card PRIME offers a 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all petrol pumps across India. The maximum surcharge waiver is capped at ₹250 per month per statement cycle. Please note that government service tax, if applicable, will be charged extra. Fuel spends do not earn reward points.
BENEFITSWhat golf benefits are available on SBI Card PRIME?
SBI Card PRIME Mastercard variant offers 4 rounds of complimentary green fees access per month and up to 50% discount on golf games, along with 1 complimentary golf lesson per month at selected golf courses across India. Additionally, cardholders can enjoy up to 15% discount on best available room rates and up to 15% discount on F&B at Lalit Hotels. These benefits are provided by Mastercard and are subject to their terms and conditions.
BENEFITSWhat fraud protection does SBI Card PRIME provide?
SBI Card PRIME comes with a complimentary Fraud Liability Cover of ₹1 lakh. This cover is applicable from 72 hours prior to reporting the card loss till 7 days after reporting. To report a lost or stolen card, call SBI Card helpline immediately at 1860 180 1290 or 39 02 02 02 (prefix local STD code). Please note that the complimentary Air Accident Insurance of ₹50 Lakhs will be discontinued from 15 July 2025.
REWARDSHow can I redeem my reward points on SBI Card PRIME?
Reward Points earned on SBI Card PRIME can be redeemed against your card outstanding balance. The redemption value is 4 Reward Points = ₹1. You can manage and redeem your points through the SBI Card website at sbicard.com or via the SBI Card mobile app. For more details on redeeming reward points, visit the Rewards section on the SBI Card website.
USAGEHow can I convert large purchases into EMIs using SBI Card PRIME?
With the Flexipay feature, you can convert transactions of ₹2,500 or more into easy monthly installments. Simply log on to sbicard.com within 30 days of the purchase to convert it into a Flexipay plan. Additionally, you can transfer outstanding balances from other bank credit cards to your SBI Card PRIME through the Balance Transfer on EMI feature, available at a lower rate of interest.
BENEFITSCan I add family members to my SBI Card PRIME account?
Yes, SBI Card PRIME allows you to add up to 2 family members as add-on cardholders. Eligible family members include parents, spouse, children, or siblings who are above 18 years of age. The add-on card is available at no additional annual fee. Add-on cardholders can enjoy the card's benefits for purchases, though certain benefits like lounge access may be restricted to the primary cardholder only.
INTERNATIONALIs SBI Card PRIME accepted internationally?
Yes, SBI Card PRIME is accepted at over 24 million outlets across the globe, including 3,25,000 outlets in India. You can also withdraw cash from over 1 million Visa/Mastercard/American Express ATMs worldwide. In case your card is lost abroad, emergency card replacement is available through a 24x7 helpline. The card also supports contactless payments via Visa payWave for fast and secure transactions.
BENEFITSWhat is the ITC Silver Tier membership benefit on SBI Card PRIME?
SBI Card PRIME offers a complimentary 1-year Club ITC Silver Tier Membership. This benefit is available for cards sourced from 1st September 2025 onwards. To become eligible, cardholders must complete their first transaction within 60 days of card issuance. Membership activation details will be shared within 15 days of the qualifying transaction, and login credentials from ITC Hotels Limited will be sent to your registered email within 7 working days of successful registration.
APPLICATIONHow do I apply for SBI Card PRIME?
You can apply for SBI Card PRIME online by visiting the SBI Card website at sbicard.com and clicking 'Apply Now.' You can also use the 'Help me find a card' tool to confirm this card suits your needs. After applying, you can track your application status online using the 'Track my Application' feature. For assistance, call SBI Card helpline at 1860 180 1290 or 39 02 02 02 (prefix local STD code).
BENEFITSWhat dining and lifestyle offers are available on SBI Card PRIME?
SBI Card PRIME American Express variant offers up to 20% discount at 700+ restaurants including Café Noir, Lord of the Drinks, Yo China, 1441 Pizzeria, and The Beer Café. Visa cardholders can enjoy savings of up to 10% on Hertz car rentals and up to 35% on Avis Car Rentals, plus exclusive benefits across 900 luxury hotels worldwide. Mastercard holders get up to 15% discount on room rates and F&B at Lalit Hotels.

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