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SBI Card · Visa / Mastercard / Amex / RuPay · हिन्दी

SBI Card PRIME: full review

SBI Prime is a solid mid-tier lifestyle card best suited for those who spend heavily on dining, groceries and movies. The 2.5% on these categories and 8 domestic lounge visits make the fee justifiable, but the 0.5% base rate makes it a poor choice for general spending.

Apply now ↗Annual fee: ₹2,999 + taxes
Last updated: August 2026 · Current terms verified
SBI CARD
VISA
)))
PRIME
ASHOK KUMAR
12/28
₹2,999 + taxes (waived on ₹3,00,000/year spend)Annual fee
10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%)Reward structure
8 domestic + 4 international visits/year (2 per quarter each)Lounge access

Key benefits of the SBI Card PRIME

10 reward points per ₹100 on dining, groceries, departmental stores and movies (2.5% value back)2 reward points per ₹100 on all other eligible spends (0.5% value back)₹3,000 welcome e-gift voucher from Shoppers Stop, Pantaloons, Bata, Yatra on joining₹1,000 Pizza Hut voucher on ₹50,000 quarterly spend₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend8 domestic + 4 international lounge visits per yearComplimentary Trident Privilege Red Tier Membership
Apply now ↗ Min. income: ₹50,000/month (salaried) · Credit score: 750+
Pros and cons
Pros
✓ Good 2.5% on dining and grocery, practical categories
✓ Strong lounge access at 8 domestic visits
✓ Welcome voucher of ₹3,000 offsets first-year fee
✓ Available in Amex and RuPay variants too
Cons
✗ Very low 0.5% base rate outside bonus categories
✗ ₹2,999 fee is high relative to rewards earned
✗ 3.5% forex: avoid using abroad
✗ Redemption fee of ₹99 applies
Quick facts
Issuer SBI Card
Network Visa / Mastercard / Amex / RuPay
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,999 + taxes (waived on ₹3,00,000/year spend)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹2,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 8 domestic + 4 international visits/year (2 per quarter each)
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹50,000/month (salaried)
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceSBI Card's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for SBI Card PRIME is ₹2,999 + taxes (waived on ₹3,00,000/year spend). The joining fee is ₹2,999.
The main benefits of the SBI Card PRIME are: 10 reward points per ₹100 on dining, groceries, departmental stores and movies (2.5% value back); 2 reward points per ₹100 on all other eligible spends (0.5% value back); ₹3,000 welcome e-gift voucher from Shoppers Stop, Pantaloons, Bata, Yatra on joining; ₹1,000 Pizza Hut voucher on ₹50,000 quarterly spend; ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend; 8 domestic + 4 international lounge visits per year; Complimentary Trident Privilege Red Tier Membership.
10 reward points per ₹100 on dining, grocery, movies, departmental stores (2.5%); 2 RP per ₹100 on others (0.5%)
SBI Card PRIME is best for Lifestyle spenders who want dining, grocery and movie rewards with lounge access. SBI Prime is a solid mid-tier lifestyle card best suited for those who spend heavily on dining, groceries and movies. The 2.5% on these categories and 8 domestic lounge visits make the fee justifiable, but the 0.5% base rate makes it a poor choice for general spending.
The minimum income requirement for SBI Card PRIME is ₹50,000/month (salaried). A minimum credit score of 750+ is also recommended.
Yes, SBI Card PRIME offers 8 domestic + 4 international visits/year (2 per quarter each).
SBI Card PRIME charges a 3.5% foreign currency markup on international transactions. This is in line with the standard 3.5% charged by most Indian credit cards.
Related guides
Best Dining Credit Cards →Best Travel Credit Cards →Best Shopping Credit Cards →Best Credit Cards for Swiggy and Zomato →Best Credit Cards for Grocery Shopping →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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SBI Card PRIME₹2,999 + taxes
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