SBI Card PRIME
SBI Cards · Visa
Why this card?
- 2.5% back in reward points on dining and food delivery, groceries and entertainment, up to ₹1,875 a month; 0.5% on other spends
- ₹2,999 joining and annual fee; renewal fee waived on ₹3 lakh yearly spend
- 8 domestic and 4 international airport lounge visits a year
- 1% fuel surcharge waiver
Card details
- Issuer
- SBI Cards
- Network
- Visa
- Annual Fee
- ₹2,999
- Joining Fee
- ₹2,999
- Reward Type
- points
- Best Reward Rate
- 2.5% on dining (capped at ₹1875/month)
- Forex Markup
- 3.5%
- Domestic Lounge
- 8/yr
- Min. Monthly Income
- ₹60,000
- Rates verified
- 2026-10-06
Our verdict
SBI Prime is a well-rounded premium card with 10 reward points per ₹100 (about 2.5% value) on dining, groceries, departmental stores and movies, 8 domestic and 4 international lounge visits per year, at ₹2,999/year. The ₹3L fee waiver and a monthly cap of about ₹1,875 on the accelerated rewards suit SBI Bank customers who spend steadily on dining and entertainment.
Pros
- 10X reward points on dining, groceries, departmental stores and movies
- 8 domestic and 4 international airport lounge visits per year (max 2 per quarter internationally)
- Priority Pass membership included
- Fuel surcharge waiver included
Cons
- 3.5% forex markup — high for a premium card
- 10X earn is capped at about ₹1,875 a month, shared across dining, groceries, departmental stores and movies
- ₹3L fee waiver threshold requires steady usage across the year