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Bank of Maharashtra SBI Card PRIME
Visa
Bank of Maharashtra SBI Card PRIME
A well-rounded mid-premium co-branded card with above-average lounge access (8 domestic + 4 international visits/year) and solid category rewards on dining and groceries, at a more accessible ₹3L spend waiver than the ELITE variant.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
0.5%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 750+ whose spend is concentrated in dining, groceries, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 2.5% effective reward rate on dining spends; Pizza Hut e-voucher worth ₹1,000 on ₹50,000 quarterly spend
- Rewards rate: 0.5% base rate
- Domestic lounge access: 8 complimentary domestic Visa lounge visits per year in India
- International lounge access: 4 complimentary international Priority Pass lounge visits per year
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- 🛒 Groceries
2.5% reward rate
- ✈️ Travel
8 complimentary domestic Visa lounge visits per year in India; 4 complimentary international Priority Pass lounge visits per year
- ⛽ Fuel
1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/month
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹40,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Fuel surcharge waiver: 1% waiver on fuel transactions between ₹500–₹4,000, capped at ₹250/month
Benefits
- Welcome e-Gift Voucher worth ₹3,000 from Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, or Shoppers Stop
- 8 complimentary domestic Visa lounge visits per year in India; 4 complimentary international Priority Pass lounge visits per year
- Pizza Hut e-voucher worth ₹1,000 on ₹50,000 quarterly spend; ₹7,000 e-voucher on ₹5 lakh annual spend
- 20 reward points per ₹100 spent on birthday, capped at 2,000 points/year
- 1% fuel surcharge waiver on ₹500–₹4,000 transactions, capped at ₹250/month
Pros
- + 8 domestic + 4 international lounge visits/year at a mid-tier fee
- + 2.5% effective reward rate on dining/groceries/movies
- + Achievable ₹3L waiver threshold
Cons
- − Forex markup and APR not disclosed by the bank
- − Eligibility criteria not published
Best for