SBI Card Prime
The SBI Card PRIME is a mid-premium lifestyle card offering 10X SBI Reward Points on dining, movies, grocery, and departmental store purchases, and 2X on all other domestic spends.
Travel & Lounge Fit Score
82/100
Joining Fee
₹2,999
Annual Fee
₹2,999
Reward Rate (%)
0.5 – 2
2 pts/₹100 · ₹0.25/pt
Forex Markup
3.5%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
24/35
Fee Value & ROI
18/25
Lounge & Perks
15/20
Forex & Access
8/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
SBI Card Prime Benefits
SBI Card Prime 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
SBI Card Prime Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
SBI Card Prime 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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹25,000/mo (₹3,00,000/yr), your ₹2,999 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
SBI Card Prime 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 12 Aug 2026
Calculate your exact earnings with SBI Card Prime
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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