SBI

SBI Card Prime Credit Card

Good for everyday spend that earns rewards.

SBI VISA

Prime

Should you get this?

Conditional fit

Confirm terms

Why this card

Up to 10 pts / ₹100 on Departmental Stores
2 per quarter domestic + 4 per year international.
You can comfortably spend ₹3,00,000 a year on the card.

Issuer evidence · 3 sources →

Trade-off

The annual fee (₹2,999) is waived only after ₹3,00,000 of eligible annual spend.

Annual fee ₹2,999 per year

Rewards 2 pts / ₹100

Lounge access 2 domestic (2 per quarter) + 4 intl (4 per year)

Forex markup 3.5% high

Compare with Axis Bank Privilege →

Similar lounge profile

Rewards

Earning rules

Detail · from the summary above

General spend2 pts / ₹100—

Utility via standing instructions20 pts / ₹100additional conditions apply — not fully modelled3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend; then 2 pts / ₹100 base

Departmental Stores (domestic)10 pts / ₹100—7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

Dining (domestic)10 pts / ₹100—7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

Show all 6 earning rules (2 more)

Grocery (domestic)10 pts / ₹100—7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

Movies (domestic)10 pts / ₹100—7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

Annual fee break-even math

When does this card pay for itself

₹3L yearly spend to waive the annual fee

Annual fee is ₹2,999. The issuer doesn't publish a documented cash value for its reward points, so a reliable rewards break-even estimate can't be shown.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Point value

Not published by issuer — varies by redemption

Base earn

2 points per ₹100

Best verified lane

Utility via standing instructions

20 pts / ₹100

View bonus categories →

Caps

Utility via standing instructions3,000 points per month
Why?
at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend; then 2 pts / ₹100 base
Departmental Stores (domestic)7,500 points per month
Why?
at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base
Dining (domestic)7,500 points per month
Why?
at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

View full earning rules →

No reward on

Fuel
Wallet loads

See earning rules →

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds

Annual fee waiver₹3,00,000yearAnnual fee waiverhighstrong

Watch outs

Before choosing this card

Forex markup is 3.5%, so frequent international spends may be costly.
Reward point value isn't clearly documented yet, so overall returns may vary.

Estimated usage

Example usage at this monthly spend

₹

At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). ~1,000 pts/month. Category and partner bonuses aren't included in this estimate.
Fee waiver achievable at this spend
Forex cost ~₹1,750 per ₹50k international spend

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts

Benefits

Lounge Access

Domestic (cardholder): 2 per quarter · verified 6 Jul 2026

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) , opens external site
Operator-verified anchor
International (cardholder): 4 per year — via · verified 6 Jul 2026 Requires Priority Pass card

2 sources agree · verify issuer terms before applying

Where to verify

Issuer site (verify current terms) , opens external site
Operator-verified anchor
Guest access: Guests: paid access
SBI Card lounge benefits PDF , opens external site

Rewards

Base earn: 2 points per ₹100 value depends on redemption

Insurance Cover

Lost card liability cover: ₹1 lakh

Fees & charges

Fees

Monthly interest rate: 3.75% / month
Annual fee: ₹2,999
Joining fee: ₹2,999
Fee waiver spend: ₹3,00,000 Above catalog median waiver (₹2,00,000 vs ₹3,00,000).
Interest-free period: Up to 50 days · verified 7 Jul 2026

International Use

Forex markup: 3.5%

Single source · verify on issuer site

Where to verify

Issuer site (verify current terms) , opens external site
Product tier: Mid-tier

Travel & perks

Fuel Benefits

At the pump

No verified fuel benefit available.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits

ICICI Bank Rubyx American Express

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

Monthly cap:3,000 reward points per month; at 20 reward points / ₹100, this lane reaches the cap at ₹15,000 of eligible spend.
Monthly cap:7,500 reward points per month; at 10 reward points / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
After a category cap is reached, further spends earn the base rate.

Exclusions

These spends do not earn reward points.

Financial

Fuel
Wallet loads

Redemption & expiry

Expiry:24 months

Travel redemption: ₹99 redemption fee per redemption

Latest update

Annual fee: ₹2,999.
Forex markup currently listed at 3.5%.
2 per quarter domestic lounge · 4 per year international.

Common questions

From verified card facts

Is this good for lounge access?

2 per quarter domestic + 4 per year international. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 3.5%, so frequent international spends may be costly.

Is the annual fee easy to recover?

Fee waiver applies at ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

A welcome benefit worth ₹3,000 is listed, but timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

Guides matched to this card — not a random syllabus.

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