CardIQIndia
Unverified draft. Fees, reward rates, and perks below are LLM-generated seed data pending admin verification. Cross-check on the bank's official page before relying on them.
31
#34 of 70 in debit
SBI Card

SBI Premium Debit Card

debitMastercardpremiumProvisional score

Geared towards HNI banking account holders offering reduced forex overheads.

Score breakdown

Data completeness: 55% · Last verified: 06 Jul 2026

Reward value12/100 · weight 65%
≈ 0.57% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.9% score bonus — earns broadly without narrow category restrictions.
Fee efficiency91/100 · weight 11%
Redemption flexibility75/100 · weight 8%
Perks25/100 · weight 8%
Devaluation risk70/100 · weight 8%

Fees

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

Joining fee
—
Annual fee
₹1,000 + 18% GST
= ₹1,180 / year total
Waiver: Priority wealth account clients
Forex markup
2.5%

Lounge access

Domestic (per year)
4
International (per year)
0

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
diningpoints1.25%(5 pts @ ₹0.25)—5 points per Rs 200 on fine dining networks
all_spendspoints0.50%(2 pts @ ₹0.25)—2 points per Rs 200 on retail POS transactions