SBI Card
SBI Card PRIME
Annual Fee
₹3,539₹2,999 + GSTBase Reward
0.5% points
Foreign Markup
3.5% + GST
Welcome Benefits
Voucher Worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons
Product Highlights
- Gift voucher worth ₹3,000 as a welcome benefit
- 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases
- 8 complimentary domestic airport lounge access every year
- 4 complimentary international airport lounge access every year
Category Rewards
dining
10X on dining, departmental stores, movies, groceries
10X
Specialty
10X on dining, departmental stores, movies, groceries
10X
entertainment
10X on dining, departmental stores, movies, groceries
10X
grocery
10X on dining, departmental stores, movies, groceries
10X
utilities
20 RP/txn on utility bills via standing instructions
5X
Fee Waiver
Renewal fee waived on ₹3L annual spend
Reward Calculator
Costs you ₹2,039/year
Break-even needs ~₹37,750/month at your reward mix.
₹16K
across all your buckets
6K
SBI Reward Points
₹1.5K
via standard · ₹0.25/pt
Effective rate
0.78%
Annual fee
₹3,539
Year 1 net
₹-2,039
Year 2+ net
₹-2,039
ongoing
Adjust your spend by reward bucket
3 bucketsMilestone Rewards
Bonus rewards unlocked at spend thresholds. Use the slider to see what your spend pattern unlocks.
per quarter · You spend ≈ ₹1.5L
₹1,000 Pizza Hut e-voucher
per year · You spend ≈ ₹6L
₹7,000 e-Gift voucher (Yatra / Pantaloons)
Surcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Foreign exchange markup
3.5%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, balance transfer, cash advance, emi, insurance, jewelry, education, railways, wallet
Fuel surcharge waiver (good news)
1%on ₹500–₹4,000 fuel txns · capped at ₹250/cycle
Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
Earn 10 Reward Points for every ₹100 spent on Dining, Groceries, Movies, and Departmental Stores. Earn 2 Reward Points for every ₹100 spent on all other eligible spends.
- 1 Reward Point = ₹0.25
Benefits & Features
Domestic: 8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter) International: 4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter) Complimentary access to domestic and international lounges
Pros & Cons
Pros
- Eight complimentary visits to domestic lounges
- Attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands
Cons
- Basic reward rate for base categories
- Annual fee of ₹2,999 may not be suitable for everyone
Additional Info
Reward Points on Birthday spends capped at 2,000 Reward Points per calendar year
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks
Fee Waiver
Renewal fee waived on ₹3L annual spend