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    SBI Cards

    SBI Card PRIME

    cat name Travel
    cat name Shopping
    cat name Rewards
    3.5/5.0

    Rewards4.0/5

    Lounge Access3.0/5

    Welcome Benefits4.0/5

    Milestone Benefits3.5/5

    Know More
    Paisabazaar Review

    1st Year Fee: ₹2,999* Plus Applicable Taxes

    Reward Points

    Reward Points

    5X rewards on dining, movies & grocery

    Gift Voucher

    Gift Voucher

    Pizza Hut vouchers worth up to Rs. 4,000 in a year

    Lounge Access

    Lounge Access

    8 domestic & 4 international visits yearly

    Updated on November 18, 2025 11:04 am

    Author: Shruti Sharma

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    About The CardReward & Milestone BenefitsOther BenefitsFees & ChargesThings to KnowCard ReviewFAQs

    About SBI Card PRIME

    SBI Card PRIME is a reward-focused credit card offering accelerated earning on movies, dining, grocery and departmental store spends. Cardholders can get gift voucher worth up to Rs. 11,000 in a year on achieving spend milestones. The card also offers complimentary domestic and international lounge visits, adding value for travellers. While SBI Card PRIME can offer good value to high-spenders who typically make purchases in the bonus categories, its annual fee of Rs. 2,999 is quite high for the set of benefits offered. Several entry-level and mid-range cards provide comparable or better value even at a relatively lower annual fee, making SBI Card PRIME a less competitive choice in this price segment.

    Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit SBI Card’s website.

    Rewards Program & Milestone Benefits

    Along with a decent base reward rate, SBI Card PRIME offers 5X earnings on select spending categories along with gift vouchers worth up to Rs. 4,000 in a year as milestone benefit.

    Rewards Program

    • 20 reward points for every Rs. 100 spent on your birthday1
    • 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies2
    • 2 reward points for every Rs. 100 spent on all other retail purchases, except for fuel
    • 4 reward points = Rs. 1

    Also Read: Best Credit Cards in India 2025 

    View More
    Image of SBI Card Prime
    Accelerated rewards and milestone benefits are the two primary spend-based benefits that cardholders can avail. On bonus categories like dining, movies, and groceries, you can get up to 2.5% back. Therefore, if you spend Rs. 20,000 on the accelerated spending categories, you will receive Rs. 500 back, which is a significant value-added benefit. Moreover, if you meet all quarterly and yearly milestones, you can get up to Rs. 11,000 as vouchers. Hence, consumers who would be able to spend a significant amount in the said categories and meet the Rs. 5 Lakh spend milestone, can consider applying for this card.
    Image of SBI Card Prime

    Other Features & Benefits

    Welcome Gift Voucher: Rs. 3,000 voucher from any of these brands:

    • Bata/ Hush Puppies OR Pantaloons OR Shoppers Stop OR Aditya Birla Fashion OR Yatra

    Complimentary Lounge Access:

    • 4 complimentary lounge visits per calendar year to international Priority Pass lounges, outside India (Max. 2 visits in a quarter)
    • 8 complimentary lounge visits per calendar year to domestic lounges in India (Max. 2 visits per quarter)

    Suggested Read: Lounge Access Credit Cards

    View More

    SBI Card PRIME : Fees & Charges

    Fee Type Amount
    Joining Fee Rs. 2,999 + Taxes
    Annual Fee Rs. 2,999 + Taxes
    Finance Charges 3.5% p.m. (42% p.a.)
    Late Payment Charges3
    For Statement Balance:
    Up to Rs. 500 Nil
    Rs. 500 to Rs. 1,000 Rs. 400
    Rs. 1,000 to Rs. 10,000 Rs. 750
    Rs. 10,000 to Rs. 25,000 Rs. 950
    Rs. 25,000 to Rs. 50,000 Rs. 1,100
    Above Rs. 50,000 Rs. 1,300

    Things to Know Before you apply

    Consider this card if:

    You can spend Rs. 5 Lakh or more in a year to maximize the milestone benefits and avail annual fee waiver

    You spend a considerable amount on movies, dining and grocery categories

    You travel often and complimentary lounge access would be a valuable feature for you

    Similar Cards

    Paisabazaar Review

    Overall Rating

    3.5/5

    Rewards4.0/5

    Lounge Access3.0/5

    Welcome Benefits4.0/5

    Milestone Benefits3.5/5

    What do we like about this card?

    While the card charges a high joining and annual fee of Rs. 3,000, it compensates for the same by offering welcome benefits worth Rs. 3,000 along with an easily achievable fee waiver condition. Cardholders who reach yearly spending of Rs. 5 Lakh, along with meeting quarterly milestone of Rs. 50,000 can get gift vouchers worth Rs. 11,000, which is an excellent value-back.

    Pros

    • 5X reward points on dining, movies, grocery and departmental store spends
    • Milestone benefits worth Rs. 11,000 in a year on spending Rs. 5 Lakh or more
    • Complimentary domestic and international lounge visits
    • Benefits on hotel, golf, dining and more (based on card network)

    Cons

    • Low reward redemption value of Rs. 0.25
    • No other travel benefits except complimentary lounge access
    • Annual fee of Rs. 2,999 is quite high for the set of benefits offered

    Conclusion

    Despite being a rewards credit card, SBI Card PRIME comes with a base rate of 0.5%, which is quite low for those who wish to get good value-back on spends outside the bonus categories. Even 2.5% back on the accelerated category is low when compared with cards like Cashback SBI Card and HDFC Regalia Gold Credit Card. Moreover, some benefits like complimentary Club Vistara Silver membership and Trident Privilege Red Tier membership have now been discontinued, leaving the card with no major travel perks other than lounge access. Overall, consumers who want to make maximum earnings through dining, movies and grocery spends and can easily reach the yearly spends of Rs. 5 Lakh will be able to maximize the card’s benefits.

    Frequently Asked Questions

    Everything you need to know about this credit card

    Yes, you can apply online as well as offline for this credit card. To apply offline, you can visit any of the nearest SBI branches and contact an executive. If you want to apply online, you can visit the official website of SBI Card and fill out an application form.

    You can activate your credit card by logging in to your SBI Card account and clicking on the ‘Card Activation’ option under the ‘Requests’ tab. After this, you need to select your credit card and click on the activate button to activate your credit card. Apart from this, you can also activate your SBI Credit Card through the mobile app.

    Yes, you can apply for a maximum of 2 add-on cards on your SBI Card Prime. SBI Card does not charge any fee for add-on credit cards. However, you will receive a single consolidated SBI Credit Card statement every month for all the credit cards.

    SBI Credit Card users can contact the customer service by calling on the toll-free number on 1800-11-2211 or 1800-425-3800. You can also call on the other SBI Credit Card customer care number– (STD Code) 39020202. However, normal call charges may apply on this number.

    No, you can earn a fuel surcharge waiver of 1% on your transactions between Rs. 500 and Rs. 4,000. However, you can avail a maximum fuel surcharge waiver of Rs. 250 in a month. This is applicable on your transactions across all petrol pumps in India.

    You can pay your SBI credit card bill through online as well as offline ways. To pay your credit card bill online, you can use facilities like NEFT, electronic bill payment, National Automated Clearing House (NACH), Visa credit card pay, debit card, etc. You can pay your credit card bill offline by cash, cheque, demand draft and SBI ATM.

    You can use SBI Prime Credit Card for international transactions. However, SBI Card charges a foreign exchange markup fee of 3.5% on such transactions.

    SBI Prime Credit Card charges an annual fee of Rs. 2,999. However, you can avail renewal fee waiver by spending Rs. 3 Lakh in a year.

    https://www.paisabazaar.com/sbi-bank/credit-card-eligibility/SBI Elite Credit Card comes with a higher annual fee of Rs. 4,999 and offers benefits such as higher rewards, a lower forex markup fee, free movie tickets, and more. On the other hand, SBI Prime Credit Card, with an annual fee of Rs. 2,999, offers similar benefits but with a lower reward rate and no free movie tickets.

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    Footnotes

    1. Reward points earned on birthday spends (one day before, on, and one day after) are capped at 2,000 reward points per calendar year.
    2. Cumulative capping of 7,500 reward points for every month on dining, movies, departmental stores and grocery spends, after which base rate of 2 reward points for every Rs. 100 will be applicable.
    3. An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.

    Click here to know More Terms and Conditions

    Shruti Sharma linkedIn icon

    Content Writer

    Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.

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