SBI Card PRIME
SBI Card · Points/miles card · ₹2,999 annual fee
Fees & benefits
| Annual fee | ₹2,999 + GST — waived at ₹3,00,000/yr spend |
| Welcome benefit | ~₹3,000 value |
| Airport lounges | 8 domestic · 4 international / year |
| No rewards on | fuel, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| Accelerated groceries and dining proxy | 2.5% | Uncapped | grocery, dining |
| Base PRIME rewards | 0.5% | Uncapped | all eligible spend |
Milestones
Quarterly Pizza Hut e-voucher (₹50k/qtr proxy): ₹4,000 at ₹2,00,000/yr spend
Annual Yatra/Pantaloons voucher: ₹7,000 at ₹5,00,000/yr spend
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
10 RP per ₹100 on groceries, dining, movies and departmental stores; 2 RP per ₹100 base (RP = ₹0.25); fuel excluded.
8 domestic (2/qtr) + 4 international (Priority Pass) lounge visits/year.
Milestones: ₹1,000 Pizza Hut voucher per quarter on ₹50k/qtr spend (~₹4,000/yr) + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend; welcome ₹3,000 e-voucher.
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the SBI Card PRIME lifetime free?
No, the annual fee is ₹2,999 (plus GST), waived on spending ₹3,00,000 a year.
What is the highest reward rate on the SBI Card PRIME?
2.5% — Accelerated groceries and dining proxy. Effective value depends on monthly caps; see the caveats on this page.
Does the SBI Card PRIME give airport lounge access?
Yes — 8 domestic visits/year and 4 international visits/year.
Where the SBI Card PRIME fits
Ranks in our: Credit cards for airport lounge access (#1), Credit cards for grocery spend (#3), Credit cards for online shopping (#5).
Compare it: SBI Card PRIME vs HSBC Live+ Credit Card · SBI Card PRIME vs American Express Membership Rewards Credit Card · SBI Card PRIME vs ICICI Bank Sapphiro Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.