State Bank of India SBI Card PRIME Credit Card Review
Dining card with lounge access
The State Bank of India SBI Card PRIME has a ₹2,999 annual fee + GST, waived on ₹3,00,000 annual spend. It earns 0.5% back on regular spends and up to 5% on Utility, with 8 domestic + 4 international airport lounge visits a year. Best for: family lifestyle spenders wanting broad acceleration and lounges — our verdict: recommended.
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The SBI PRIME is a well-rounded mid-premium card with mostly uncapped 5X-10X earning across everyday lifestyle categories, a strong 8 domestic plus 4 international lounge package, and useful vouchers, with the Rs. 2,999 fee waived at Rs. 3 lakh spend. The 0.25-per-point value, Rs. 99 redemption fee and 3.5% forex markup are the main drawbacks.
Dining card with lounge access
The Bottom Line
The SBI Card PRIME is built for family lifestyle spender and domestic and occasional international traveller. With a ₹2,999 annual fee that is waived on ₹3,00,000 yearly spend, it offers 2.5% rewards on dining and airport lounge access. It makes the most sense if your spending matches family lifestyle spender and domestic and occasional international traveller.
It earns a base reward rate of 0.5% and stacks best when your spending lines up with Family lifestyle spender, Domestic and occasional international traveller. The renewal fee gets easier to justify once you can hit ₹3,00,000 in yearly spend.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealA household spending across dining, groceries, departmental stores, movies and utilities that can exploit the uncapped 5X-10X categories and clear the Rs. 3 lakh fee-waiver mark.
Someone who values 8 domestic plus 4 international Priority Pass lounge visits at a mid-premium Rs. 2,999 fee.
Probably not for
SkipAnyone unable to reach Rs. 3 lakh annual spend or use the accelerated categories pays the Rs. 2,999 fee for limited return given the 0.25-per-point value.
Those who redeem often will be eroded by the Rs. 99-per-redemption fee.
Is It Worth It For You?
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Reward Rates
SBI Card PRIME offers 0.5% basic reward rate.
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Welcome Offer
Welcome gift of vouchers worth up to Rs. 3,000, chosen from a range of brands (Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra.com) via the Gyftr portal (gyftr.com/rewards/sbiwelcomekit). Per the official Welcome Gift Terms, eligibility is triggered by payment of the membership/joining fee for the eligible year (no separate minimum-spend threshold is stated); the cardholder logs in with registered mobile number + OTP and must redeem the voucher within 6 months of receiving the link. No extension or brand-replacement is entertained after this window.
Milestone Benefits
Pizza Hut e-voucher worth Rs. 1,000 on cumulative card spends of Rs. 50,000 or more in a calendar quarter. Voucher must be redeemed within 6 months of receiving the communication (see top-level conflicts re: the MITC's Pizza Hut annexure attributing a Rs. 500 version of this milestone specifically to 'Prime Pro' cardholders).
E-gift voucher worth Rs. 7,000 (choice of Yatra.com or Pantaloons) on cumulative card spends of Rs. 5,00,000 or more in the cardmembership year. Voucher must be redeemed within 6 months of receiving the communication.
Renewal fee of Rs. 2,999 + GST is waived if cumulative spends of Rs. 3,00,000 or more are made in the preceding cardmembership year. In practice SBI Card typically charges the renewal fee at the billing cycle and then refunds it once the spend criterion is confirmed (per CardExpert), rather than skipping the charge outright.
Fees & Charges
Eligibility
- Min Income: ₹9 Lakhs
- Min Credit Score: 700
- Age 18-70; salaried or self-employed with good credit; 10 RP per Rs 100 on dining, groceries, departmental stores and movies.
Exclusions & Terms
Forex markup
- Foreign currency markup
Frequently Asked Questions
8 data-backed answers from our card database
Ready to apply?
₹2,999 annual fee. Apply on the State Bank of India website.
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