SBI Card
SBI Card Prime
Your rating
Community rating
Joining Fee
₹2,999
Annual Fee
₹2,999
Reward Rate
0.5% – 2%
Forex Markup
3.5%
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Key Benefits
Rewards
How you earn back on every swipe
points
Reward type
0.5% – 2%
Earn rate
2
Points / ₹100
₹0.25
Per point
24 months
Point expiry
Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.
Travel & Lounge Access
Airport perks included with this card
2 per quarter
Domestic lounge visits
DreamFolks
Lounge access via DreamFolks
Things to Keep in Mind
- No international lounge access
- Annual fee of ₹2,999 if spend threshold not met
- No reward points on fuel, wallet loads, or EMI
- No reward points on wallet loads
Card Features
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Eligibility
Employment type
Pros & Cons
- 10X SBI Reward Points on dining, movies, grocery, departmental stores
- 2X SBI Reward Points on all other retail spends
- ₹3000 welcome voucher
- 7,000 milestone benefits
- 2 domestic airport lounge visits per quarter
- Annual fee waived on ₹3 lakh spend
- Complimentary e-vouchers on milestone spend
- ₹2,999 joining + annual fee
- No international lounge access
- Reward point value is modest (₹0.25/point)
Who is this card for?
Urban professionals spending ₹30,000–₹80,000/month who want premium lifestyle benefits including dining rewards and lounge access without the Elite card's high fee.
Quick Links
Data last updated 18 Mar 2026