Karnataka Bank Prime SBI Card

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, dining. Its annual fee waives if you can comfortably clear the spend threshold.

• Rewards rate: 2% base rate
• Domestic lounge access: Up to 2 complimentary airport lounge visits per calendar quarter
• Golf: Golf course access with preferential tee times and discounted green fees (courses/rounds not disclosed by issuer)
• Insurance benefits: Card Protection Plan covering fraudulent charges on the card

• ✈️ Travel

  Complimentary airport lounge access, up to 2 visits per cardholder per calendar quarter

• 🛡️ Insurance

  Card Protection Plan covering fraudulent charges

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹1,00,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Foreign currency markup: 3.5%

• Earn 2 reward points per ₹100 spent, and 5X points in select bonus categories
• Complimentary airport lounge access, up to 2 visits per cardholder per calendar quarter
• Golf course access including preferential tee times and discounted green fees; 2 free add-on cards; 24x7 card assistance
• ₹3,000 worth of e-gift vouchers on card anniversary for annual spends of ₹2,00,000
• Card Protection Plan covering fraudulent charges