Landmark Rewards SBI Card PRIME

Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping, dining. It's worth the annual fee mainly if your points value clears it.

• Rewards rate: 1% base rate
• Domestic lounge access: Complimentary domestic and international lounge visits.
• International lounge access: Complimentary domestic and international lounge visits.

• 🍽️ Dining & food delivery

  2.5% reward rate

• ✈️ Travel

  Complimentary domestic and international lounge visits.

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–65

• Rewards redemption fee: ₹99 + applicable taxes per redemption request when reward points are redeemed for statement credit, gift vouchers or physical products, charged once per batch regardless of how many items are redeemed in it.
• Foreign currency markup: 3.5%
• Interest rate: 42% p.a.
• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no interest-free grace period.

• Welcome reward points worth about Rs. 3,000 on joining.
• Complimentary domestic and international lounge visits.
• Accelerated value-back at Lifestyle, Home Centre, Max, Spar, Babyshop and EasyBuy stores.
• 12,000 bonus reward points on card renewal.