SBI

SBI Card Prime Credit Card

Good for online shopping across multiple brands.

Should you get this?

Conditional fit

Confirm terms with the issuer

Why this card

  • 10 points/₹100 on eligible departmental Stores, dining, grocery, and movies
  • 2 per quarter domestic + 4 per year international.
Issuer evidence · 3 sources →

Trade-off

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

Annual fee ₹2,999 per year
Rewards 2 pts / ₹100 base
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

What it costs to get, and to keep

Joining vs renewal

First year

₹2,999joining fee

From year 2

₹2,999renewal fee

Waived above ₹3,00,000 eligible annual spend

Welcome offer

Up to ₹3,000 brand e-gift vouchers on membership fee payment

multi-brand

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend2 pts / ₹100Credited as reward points—
Utilities via standing instructions20 pts / ₹100Credited as reward points · additional 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 Stores10 pts / ₹100Credited as reward points7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base
Dining10 pts / ₹100Credited as reward points7,500 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)
Grocery10 pts / ₹100Credited as reward points7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base
Movies10 pts / ₹100Credited as reward points7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

Redemption value

What a Reward Point is worth

  1. Cash redemption value₹0.25 per Reward Point

    ₹99 redemption fee

How to avoid the annual fee

Spend threshold for waiver
Above ₹3L annual eligible spend required for the waiver

Above ₹3L eligible annual spend waives the fee

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

Reward reality

Conclusion · what you actually get

Eligible spend

2 points per ₹100 on eligible spend

Verified value

₹0.25 per point

Cashback

Caps

  • Utilities 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 Stores7,500 points per month
    Why?

    at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend; then 2 pts / ₹100 base

  • Dining7,500 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 →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Annual fee waiver₹3,00,000yearAnnual fee waiver

Watch outs

Before choosing this card
  • Forex markup is 3.5%, so frequent international spends may be costly.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (2 pts / ₹100). Up to ~1,000 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹250 at the conservative redemption floor
  • 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

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
International (cardholder)
4 per year Requires Priority Pass card

Issuer documented · single source · verify on issuer site

Where to verify
  • Operator-verified anchor
Guest access
Guests: paid access
SBI Card lounge benefits PDF , opens external site

Lounge network

Rewards

Base earn
2 points per ₹100 value depends on redemption
Effective return (honest floor)
~0.5% base (conservative redemption) Conservative redemption floor; best documented path is not ranked on.
Cash redemption value
₹0.25 per Reward Point Issuer headline channel — full channel grid in Redemption value.
Point validity
Points expire 2 years after earning
Fees & charges

Fees

Monthly interest rate
3.75% / month
Annual fee
₹2,999
Joining fee
₹2,999 · verified 3 Sept 2026
Fee waiver spend
Above ₹3,00,000 · verified 3 Sept 2026 Annual fee waived on eligible anniversary-year spend above ₹3,00,000.
Interest-free period
Up to 50 days · verified 7 Jul 2026

International Use

Forex markup
3.5%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
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
SIDE BY SIDE
SBI Card Prime
vs
Axis Bank Privilege
SIDE BY SIDE
SBI Card Prime
vs
ICICI Bank Rubyx American Express
SIDE BY SIDE
SBI Card Prime
vs
Kotak Mahindra Bank Zen Signature

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • Utilities cap: 3,000 points per month; at 20 pts / ₹100, this lane reaches the cap at ₹15,000 of eligible spend.
  • Departmental Stores cap: 7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
  • Dining cap: 7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
  • Grocery cap: 7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
  • Movies cap: 7,500 points per month; at 10 pts / ₹100, this lane reaches the cap at ₹75,000 of eligible spend.
  • After the Utilities cap is reached, further spends earn the base rate.
  • After the Departmental Stores cap is reached, further spends earn the base rate.
  • After the Dining cap is reached, further spends earn the base rate.
  • After the Grocery cap is reached, further spends earn the base rate.
  • After the Movies cap is reached, further spends earn the base rate.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel
  • Wallet loads

Redemption & expiry

  • Cashback 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 above ₹3,00,000 annual spend. Verify eligible spend exclusions before counting on it.

When do welcome benefits arrive?

Up to ₹3,000 brand e-gift vouchers on membership fee payment. Included items: multi-brand — Welcome Gift Terms §3: vouchers in multiples of ₹1,000 up to ₹3,000 from gyftr.com/sbiwelcomekit; eligible post payment/realization of annual membership fee; 6-month redemption window. 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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Last refreshed 4 Sept 2026 moneymatters.cards Change look saved in this browser only
Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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