CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
SBI Card

SBI Card PRIME

23
Ranked #151 of 170 in credit
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SBI's mid-premium lifestyle card, a toned-down version of ELITE, offering accelerated rewards on dining/grocery/movies and solid milestone vouchers, though base reward rate is low for its fee tier.

Score breakdown

Data completeness: 75% · Last verified: 09 Jul 2026

Reward value3/100 · weight 71%
≈ 0.15% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +0.4% score bonus — earns broadly without narrow category restrictions.
Fee efficiency76/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks60/100 · weight 9%

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: Annual fee waived on annual spend of Rs 3 lakh
Forex markup
3.5%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
dining_offlinepoints0.63%(2.5 pts @ ₹0.25)—10 RP per Rs 100 on dining, groceries, departmental stores, movies
all_spendspoints0.13%(0.5 pts @ ₹0.25)—2 RP per Rs 100 on other retail spends, excludes fuel

Welcome offer

Rs 3,000 e-gift voucher from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, or Pantaloons

Milestone benefits

Pros

  • 10 RP/Rs 100 (~2.5%) on dining, groceries, departmental stores, movies
  • 20 RP/Rs 100 on birthday spends (capped 2,000 RP/year)
  • Club ITC Silver membership (cards issued after Sept 1, 2025)
  • 8 domestic lounge visits unconditional
  • decent milestone vouchers (~Rs 11,000/year achievable)

Cons

  • Base reward rate only 0.5% (2 RP/Rs 100) outside bonus categories - low for the fee
  • Club Vistara Silver and Trident Privilege Red Tier memberships now discontinued per some 2026 sources (verify current status)
  • international lounge capped at 4/year

What's inside

More benefits

  • Pizza Hut milestone voucher

    ₹1,000

    Rs 1,000 e-voucher on quarterly spend threshold

    Cap ₹4,000 / quarterly. On Rs 50,000 spend in a calendar quarter

Insurance cover

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Eligibility

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Age 18+ (per some sources), stable income; standard SBI income verification

Small print

Fuel surcharge:1% fuel surcharge waiver on Rs 500-Rs 4,000 transactions, capped at Rs 250/statement cycle