SBI Card PRIME
A world of truly rewarding experiences crafted to your lifestyle.
Annual Fee
₹2,999
Base Rewards
0.5%
Forex Fee
3.5%
Expert Verdict
The SBI Card PRIME is a powerhouse for users who spend primarily on everyday lifestyle categories. With a welcome gift that offsets the joining fee and a milestone program offering substantial high-value vouchers, it remains a competitive mid-premium choice. However, the capping on reward points and the low base rate mean it's best used as a dedicated lifestyle card rather than a general-purpose one.
Quick Match
Is this card right for you?
This card could work well for you
Your Estimated Value
Year 1
+₹3,001
Includes ₹3,000 bonus
Year 2+
+₹1
Fee waiver eligible!
Why get this card
10X reward points on Dining, Groceries, Departmental stores and Movies
Significant milestone benefits with vouchers worth up to 11,000 annually
Comprehensive lounge access including both domestic and international Priority Pass visits
Welcome benefits worth the joining fee with vouchers from top retail brands
+1 more benefits
- Accelerated rewards on Birthday spends (20 points per 100 INR)
Watch out for
Base reward rate is relatively low at 0.5% (2 points per 100 INR)
Capping on accelerated reward categories (7,500 points per month)
High annual fee of 2,999 compared to cards with similar reward rates
+1 more considerations
- Reward redemption fee of 99 plus taxes applies on every redemption
Who is this card for?
Best for
lifestyle spenders
Users who spend significantly on dining, groceries, and movies to maximize the 10X reward categories.
Min: ₹40,000/mo
milestone chasers
Those who can hit the 5 Lakh annual spend milestone to unlock 7,000 worth of extra vouchers.
Min: ₹45,000/mo
Skip if you're
low spenders
Individuals spending less than 3 Lakhs annually won't qualify for the annual fee waiver, making the 2,999 fee harder to justify.
Base Earning
2 Reward Points
per ₹100 spent
0.5%
effective rate
Point value: ₹0.25/point
Bonus Categories
DINING
5×
2.5% return
7500 pts/month
GROCERY
5×
2.5% return
7500 pts/month
MOVIES
5×
2.5% return
7500 pts/month
DEPARTMENTAL_STORES
5×
2.5% return
7500 pts/month
BIRTHDAY
10×
5% return
Standing Instructions - UTILITY
1×
5% return
3000 pts/month
Welcome Offer
Welcome E-Gift Voucher worth 3,000 from brands like Bata/Hush Puppies, Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra.
₹3,000
value
Milestones
Spend ₹0.5L
Pizza Hut E-Gift Voucher worth 1,000.
Spend ₹3.0L
Waiver of annual renewal fee of 2,999.
Spend ₹5.0L
E-Gift Voucher worth 7,000 from Pantaloons or Yatra.com.
No rewards on:
Fuel, rent payments, utility bills, government payments, wallet loads, insurance premiums, EMI transactions
Upgrade Path
Move up or down within this bank
Upgrade to