CardIQIndia
Corroborated — 9 field(s) match across 3+ reference sources (auto). Not human-verified. Confirm with the bank before high-stakes decisions.
41
#39 of 173 in credit
SBI Card

SBI Card PRIME

creditMastercardSignature

5 reward points per Rs 100 on dining, groceries, movies

Score breakdown

Data completeness: 85% · Last verified: 06 Jul 2026

Reward value27/100 · weight 65%
≈ 1.30% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks45/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹2,999 + 18% GST
= ₹3,539 total
Annual fee
₹2,999 + 18% GST
= ₹3,539 / year total
Waiver: Spend Rs 3L in a year
Forex markup
3.5%

Lounge access

Domestic (per year)
8
International (per year)
4

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

CategoryTypeRateCapNotes
diningpoints2.50%(10 pts @ ₹0.25)—2% dining (estimated)
groceriespoints2.50%(10 pts @ ₹0.25)—1.5% groceries (estimated)
travelpoints2.00%(8 pts @ ₹0.25)—2% travel (estimated)
online_spendspoints2.00%(8 pts @ ₹0.25)—2% online (estimated)
utilitiespoints1.00%(4 pts @ ₹0.25)—1% utilities (estimated)
all_spendspoints0.50%(2 pts @ ₹0.25)—Base earn rate
fuelpoints0.00%(0 pts @ ₹0.25)—1% fuel (estimated)