SBI Card PRIME

SBI · MASTERCARD★4.1/ 5

✓ Details last verified 1 Jan 2025

SBIPREMIUM

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Card name

SBI Card PRIME

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This card is the property of SBI. If found, please return to the nearest SBI branch. Use subject to the issuer's terms.

SBI

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Reviewed by CardAdvisor Editorial Team· Last verified 1 Jan 2025· How we research

The SBI Prime is SBI Card's best mid-tier travel card — 10 reward points per ₹100 on dining, standing instructions, and departmental stores, with complimentary Club Vistara and Trident Privilege memberships. A strong value pick for frequent SBI account holders.

At a glance

₹2,999

Joining fee

₹2,999

Annual fee

₹3,00,000/yr spend

Fee waiver

~₹3,000

Welcome benefit

2.50%

Best reward rate

₹50,000/mo

Min income

Rewards by category

What you earn on every rupee, per spend category.

Category	Type	Rate	Monthly cap
Dining	reward points	2.50%	—
Groceries	reward points	2.50%	—
OTT & Entertainment	reward points	2.50%	—
Travel	reward points	2.50%	—
Other	reward points	0.50%	—

Dining: 10X reward points on dining

Groceries: 10X points on grocery spends

OTT & Entertainment: 10X points on OTT subscriptions

Travel: 10X points on travel bookings

Other: 2X base reward points on all other spends

Fees & charges

The numbers that matter beyond rewards — verify on the issuer site before applying.

100% p.m. · 1200.0% p.a.

Finance charge (APR)

3.5%

Forex markup

100% (min ₹600)

Cash advance fee

Free

Add-on card fee

1%, cap ₹1,000

Fuel surcharge waiver

Rent payment fee

₹99

Reward redemption fee

LATE PAYMENT FEE

Outstanding balance	Late fee
Up to ₹500	Nil
₹501 – ₹5,000	₹500
₹5,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹900
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

Perks & benefits

Estimated annual value beyond rewards.

~₹14,600

total perk value/yr

✈️

lounge access~₹8,000/yr

8 complimentary domestic airport lounge visits per year

Domestic2/quarter

🎬

movie ticket~₹2,400/yr

2 complimentary movie tickets per month via BookMyShow

🎯

milestone bonus~₹3,000/yr

₹3,000 reward voucher on ₹4L annual spend

⛽

fuel waiver~₹1,200/yr

1% fuel surcharge waiver (up to ₹100/month)

Domestic

Who is this card for?

Frequent travellersHigher spenders

💳Premium tier — a solid all-rounder for steady monthly spend.
🎯Strongest value if you spend heavily on Dining (2.50% back).
✈️Frequent travellers benefit from the included airport lounge access.

👍 Pros

✓Strong rewards that can offset the annual fee for the right spender
✓Premium lifestyle perks (lounge, concierge, milestone benefits)
✓Lower forex markup, friendlier for international spend

👎 Cons

✕Annual fee applies unless the spend-based waiver is met
✕Higher income / eligibility bar

Eligibility & documents

Age21–65 years

Min. income₹50,000/mo

EmploymentSalaried · Self-employed · Student

DOCUMENTS REQUIRED

📄PAN card
📄Aadhaar / valid address proof
📄Latest 3 months bank statement
📄Income proof — salary slips (salaried) or ITR (self-employed)
📄Recent passport-size photograph

How to redeem rewards

Ways to convert what you earn into real value.

🎁Statement credit / cashback adjustment
🎁Online rewards catalogue (vouchers, merchandise)
🎁Flight & hotel bookings via the issuer rewards portal
🎁Airline / hotel partner point transfers (on eligible cards)

What your sbi reward points are worth

Realistic value per point by redemption route — the difference is what most people leave on the table.

Statement creditBEST

Capped at 60,000 pts/month from Apr 2026

₹0.25/pt

Rewards catalogueBEST

Vouchers & merchandise

₹0.25/pt

🔥 Live offers on this card

2 live

Transfer bonuses and promos running right now for this card's rewards.

🎁

Festive catalogue: points worth ₹0.35

Limited festive window — redeem SBI Reward Points on the gift catalogue at an improved ₹0.35/point. Redeem before the Apr-2026 statement-credit cap bites.

Ends 2026-06-25 · view offer ↗

🛒

Flights via SBI rewards portal — ₹0.50/point

Book flights through the SBI rewards portal to redeem at ₹0.50/point — double the statement-credit value before the Apr-2026 cap.

Ends 2026-06-28 · view offer ↗

See your best move with these points →

Frequently asked questions

What is the annual fee for the SBI Card PRIME?+

The annual fee is Rs 2999, which is waived on annual spends of Rs 300000.

What is the foreign currency markup?+

The forex markup is 2.50% on international transactions.

Is there a fuel surcharge waiver?+

Yes — a 1.00% fuel surcharge waiver, up to Rs 1000 per statement cycle.

What is the minimum age and income to apply?+

Applicants must be at least 21 years old with a minimum income of Rs 50000 per month.

SOURCES & VERIFICATION

Fees, reward rates, and benefits for the SBI Card PRIME are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed for accuracy by CardAdvisor Editorial Team. Card terms change often — always confirm current details on the issuer's site before applying. How we research & review →