All cards / Punjab & Sind Bank
PSB SBI Card PRIME
PSB's premium co-branded PRIME card rounds out its three-tier SBI Card lineup (ELITE/PRIME/SimplySAVE), targeting mass-premium customers with lounge access and accelerated dining rewards.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in dining, travel. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie ticket offer on BookMyShow, up to ₹250 per ticket, twice a month, per SBI Card PRIME's standard benefit
- Rewards rate: 1% base rate
- Domestic lounge access: 8 complimentary domestic airport lounge visits per year (2 per quarter), per SBI Card PRIME's standard benefit
- International lounge access: 4 complimentary international lounge visits per year (2 per quarter) via Priority Pass
- Insurance benefits: Card Protection Plan covering fraudulent charges after card loss reporting
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate
- ✈️ Travel
Complimentary domestic and international airport lounge access
- 🛡️ Insurance
Card Protection Plan covering fraudulent charges
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹1,00,000
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Rewards redemption fee: ₹99 + GST redemption fee applies per SBI Card's standard reward-point redemption terms
- Foreign currency markup: 3.5%
- Cash advance charges: 2.5% of the withdrawal amount, subject to a minimum of ₹500 per transaction
Benefits
- Complimentary domestic and international airport lounge access
- Milestone-based e-gift vouchers and add-on cards for family members
- Card Protection Plan covering fraudulent charges
Pros
- + Lounge access at a relatively accessible premium tier
- + Accelerated dining rewards
- + Part of a clear three-tier PSB-SBI lineup (mass to premium)
Cons
- − High ₹3L+ spend needed to waive the ₹2,999 fee
- − Overshadowed by PSB's ELITE variant for the highest spenders