SBI Card
SBI Card PRIME
Premium rewards card: 10 points per ₹100 on dining, movies, grocery and departmental stores (about 2.5% back), 2 points per ₹100 elsewhere, plus lounge visits and milestone vouchers.
- ₹2,999 joining, ₹2,999 a year
- Visa / Mastercard / American Express
Pros and cons
Good
- Airport lounge visits with no published spend condition
Watch out for
- Fee is hard to recover: about ₹50,000 a month of groceries to break even
- High joining fee: ₹2,999 up front
- Earns nothing on fuel, wallet loads, rent and government payments
- High forex markup (3.5%)
- Who it's for
- People who spend about ₹50,000 or more a month on groceries and use airport lounges.
- Skip it if
- You spend under ₹50,000 a month on groceries, or you need a card for UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 0.5% (base rate)
- Online shopping
- 0.5%
- Fuel
- 0%
- Groceries
- 2.5%
- Travel
- 0.5%
- Bills and utilities
- 0.5%
- Dining and food delivery
- 2.5%
Fees and charges
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Fee waiver
- Renewal fee waived if annual spends in the previous year are ₹3,00,000 or more
- Forex markup
- 3.5%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹500 to ₹4,000; max ₹250 per statement cycle
Benefits and eligibility
- Airport lounge
- 8 domestic visits a year (2 a quarter) and 4 international visits a year outside India via Priority Pass (max 2 a quarter); no spend condition is published.
- Card network
- Visa, Mastercard, American Express
- UPI payments
- No
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- Not published by the bank
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the SBI Card PRIME?
Apply nowVia our referral partner. We may earn a commission.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by SBI Card.
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What changed recently
- FeesWorse for you
Late payment fee now starts at ₹100 on dues above ₹100 (was nil up to ₹500) and rose from ₹400 to ₹500 on dues of ₹500–1,000.
Before: Nil up to ₹500; ₹400 for ₹500–1,000 · After: Nil up to ₹100; ₹100 for ₹100–500; ₹500 for ₹500–1,000
Bank's notice or terms - RewardsWorse for you
Points can be redeemed for statement credit only in multiples of 4,000 points, up to 60,000 points a month.
After: Multiples of 4,000 points; max 60,000 points a month
Bank's notice or terms - FeesWorse for you
New 1% fee on education payments made through third-party apps; paying the school or college directly stays free.
After: 1% of the transaction
Bank's notice or terms - FeesWorse for you
New 1% fee on every wallet load above ₹1,000.
After: 1% of the transaction
Bank's notice or terms
Questions people ask
Is the SBI Card PRIME worth it in 2026?
Yes, if you spend about ₹50,000 or more a month on groceries and use airport lounges. Below that, the Scapia Federal Bank Credit Card (Visa + complimentary RuPay) pays 2% for free. The catch: earns nothing on fuel, wallet loads, rent and government payments.
Is the SBI Card PRIME lifetime free?
No. It costs ₹2,999 to join and ₹2,999 a year, plus GST. Renewal fee waived if annual spends in the previous year are ₹3,00,000 or more.
Does the SBI Card PRIME work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the SBI Card PRIME give airport lounge access?
8 domestic visits a year (2 a quarter) and 4 international visits a year outside India via Priority Pass (max 2 a quarter); no spend condition is published.
What earns no rewards on the SBI Card PRIME?
No points on fuel at petrol pumps, wallet loads and prepaid card purchases (MCC 6540, 6541), rent (MCC 6513, from 1 Apr 2024), government transactions (MCC 9399, 9311, from 1 Jun 2024), cash advances, ATM withdrawals, balance transfers, finance charges and fees. Points on purchases converted to EMI are forfeited. No accelerated points at Metro Cash & Carry, Flipkart Wholesale and Walmart.
Is there a limit on rewards with the SBI Card PRIME?
Accelerated 10X points on dining, movies, departmental stores and grocery are capped at 7,500 points per calendar month (₹1,875 at 4 points = Re 1); base 2 points per ₹100 continue after the cap. Birthday-window 20X points (day before, day of, day after) are capped at 2,000 points a calendar year (₹500).
Who can get the SBI Card PRIME?
Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read SBI Card's own product page on 18 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 18 Oct 2026 on SBI Card's official page. Fees and rewards change; check the issuer's terms before you apply.