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City Union Bank SBI Card PRIME Review 2026: Fees & Rewards

Explore City Union Bank SBI Card PRIME features: 20x rewards on utilities, 8 domestic & 4 international lounge visits, and Rs. 3,000 welcome voucher.

Vyaya Team · Mar 2026
5 min read
Value Score
8.0 / 10
Annual Fee
₹2,999
Best For
lifestyle-spender, frequent-traveler
Network
Visa
Expert Verdict

The City Union Bank SBI Card PRIME is a robust mid-premium offering that excels in utility and lifestyle rewards. While the discontinuation of insurance is a drawback, its travel memberships and milestone benefits still provide significant value for moderate to high spenders.

City Union Bank SBI Card PRIME credit card by City Union Bank - Visa network
REWARD SUMMARY
0.125% Base Rewards
A premium lifestyle card for rewards on every spend.
← Tap to flip back

The Bottom Line

The City Union Bank SBI Card PRIME is a robust mid-premium offering that excels in utility and lifestyle rewards. While the discontinuation of insurance is a drawback, its travel memberships and milestone benefits still provide significant value for moderate to high spenders. With a ₹2,999 annual fee that is waived on ₹3,00,000 yearly spend, it offers 0% rewards on dining & groceries and a welcome benefit worth ₹3,000. For anyone researching city union bank sbi card prime, the verdict is simple: recommended.

It earns a base reward rate of 0.125% and stacks best when your spending lines up with lifestyle-spender, frequent-traveler. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.

What we like
+High reward rate of 5% (20 points per Rs. 100) on utility bills and birthday spends.
+Generous welcome benefit with a Rs. 3,000 voucher covering the joining fee.
+Comprehensive travel perks including both domestic and international lounge access.
+Milestone rewards like Pizza Hut vouchers worth Rs. 4,000 annually on quarterly spends.
What we don't
–High annual fee of Rs. 2,999 with a relatively high waiver threshold of Rs. 3 Lakhs.
–Reward points on utility bills are capped at 3,000 points per month.
–Air accident insurance benefit has been discontinued as of late 2025.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
lifestyle-spender

Strong rewards on dining, movies, and groceries plus quarterly milestone vouchers.

Best value above ₹25,000/month
+
frequent-traveler

Complimentary Club Vistara Silver membership and 12 total lounge visits per year.

Best value above ₹50,000/month

Probably not for

Skip
–
low-spender

The annual fee is hard to recover if annual spends are below Rs. 3 Lakhs.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Welcome bonus (Year 1)+₹3,000
Annual fee-₹2,999
Net Value (Year 1)+₹1
Net Value (Year 2+)₹-2,999
Progress to fee waiver0%

Spend ₹3,00,000 more to waive annual fee

Sign in for personalized estimates based on your actual spending

Reward Rates

City Union Bank SBI Card PRIME offers 0.125% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Dining & Groceries
0%
Utilities
0%

Welcome Offer

Welcome Benefit
Value: ₹3000

Milestone Benefits

Spend ₹50,000

Bonus Points

Spend ₹300,000

Bonus Points

Spend ₹500,000

Bonus Points

Fees & Charges

Joining fee₹2,999
Annual fee₹2,999
Fee waiverSpend > ₹3,00,000

Eligibility

  • Min Income: ₹6 Lakhs
  • Min Credit Score: 750
  • Minimum age of 21 years; stable monthly income of Rs. 50,000 or more.

Exclusions & Terms

Fuel

    Rent

      Wallet Load

        Education (3rd party apps)

          Compare with Alternatives

          Feature
          City Union Bank SBI Card PRIME by City Union Bank - credit card comparison
          City Union Bank SBI Card PRIME
          City Union Bank
          Current Card
          SBI Card ELITE by SBI Card - credit card comparison
          SBI Card ELITE
          SBI Card
          View Details
          Annual Fee
          ₹2,999
          ₹4,999
          Joining Fee
          ₹2,999
          ₹4,999
          Reward Rate
          0.125%
          0.5%
          Network
          Visa
          Visa
          Best For
          lifestyle-spenderfrequent-traveler
          movie-buffsinternational-travelers

          Frequently Asked Questions

          2 data-backed answers from our card database

          What is the annual fee for the City Union Bank SBI Card PRIME?+

          The annual fee is Rs. 2,999 plus GST. It is waived if you spend more than Rs. 3 Lakhs in the previous year.

          How many lounge visits do I get with this card?+

          You get 8 complimentary domestic lounge visits (max 2 per quarter) and 4 international lounge visits via Priority Pass (max 2 per quarter).

          Ready to apply?

          ₹2,999 fee. Excellent rewards. Apply now securely.

          Apply on City Union Bank →

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