Visa, Mastercard 📡 Contactless NFC

SBI Card PRIME

Joining Fee₹2,999

Annual Fee₹2,999

Forex Markup 3.5%

Apply & Earn ₹3000 →

⚖️ Card Verdict & Target Persona

Who Should Apply

Mid-to-high spenders wanting 10X reward points on groceries and dining, 8 domestic + 4 international lounge visits, and ₹7,000 milestone vouchers.

Who Should Avoid

Users who cannot reach the ₹3 Lakh annual spend fee waiver or those seeking direct cashback.

🎁 Key Features & Highlights

✨

Exclusive Platform Reward

LTFCards Bonus

Claim an Amazon Gift Voucher worth up to ₹3000 directly upon successful card approval.

Claim ₹3000 & Apply →

🎉

Joining & Activation Welcome Gift

E-Gift Voucher worth ₹3,000 from Yatra or Hush Puppies upon payment of joining fee and realization

10X Rewards on Dining, Groceries & Movies

Earn 10 Reward Points per ₹100 (2.5% valueback) on Dining, Groceries, Departmental stores, and Movie spends.

8 Domestic & 4 International Lounge Visits

8 domestic (max 2/qtr) + 4 international airport lounge visits per year via Priority Pass.

₹7,000 Milestone Gift Voucher

E-Gift Voucher worth ₹7,000 from Yatra or Pantaloons upon achieving annual spends of ₹5 Lakhs.

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

2 Reward Points per ₹100 spent on all other regular retail purchases (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10 Reward Points per ₹100 (2.50% return; 1 RP = ₹0.25) on Dining, Groceries, Departmental Stores, and Movies (capped at 3,000 points/month); E-Gift Voucher worth ₹7,000 on ₹5L annual spend

Points Validity:24 Months

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Direct Statement Credit (1 RP = ₹0.25), SBI Rewards Catalog Vouchers & Flight Bookings

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Government Transactions Rent Payments Utility Spends Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter)

🌐

International Lounge Visits4 complimentary international airport lounge visits per calendar year via Priority Pass

⚠️

Spend Criteria: None (Unconditional complimentary access)

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹300,000/yr

Annual renewal fee of ₹2,999 + GST is waived off on spending ₹3,00,000 or more in the previous anniversary year

UPI Payments Support✗ Not Supported

UPI not supported on Visa/Mastercard network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (Capped at ₹250/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 70 Years

Min. Monthly Income₹30,000

Min. Credit Score700 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):3.50% per month (42.0% per annum)

Late Payment Penalties:Late payment charges slab-based up to ₹1,300

Official Bank Portal Application

Get the SBI Card PRIME

Annual Fee: ₹2,999/yr (Waivable)

Apply & Claim ₹3000 →

Personalized Card Matcher

Still Confused About Your Best Match?

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Frequently Asked Questions

No, SBI Card PRIME has a joining fee of ₹2999 and an annual renewal fee of ₹2999 (plus applicable taxes).

SBI Card PRIME ₹2,999/yr