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SBI Card PRIME
A well-rounded premium lifestyle card with strong lounge access (4 international + 8 domestic visits/year) and 5x rewards on dining, groceries and department stores — offset by a near-₹3,000 annual fee and an unusually high ₹3 lakh waiver threshold.
Rates and fees last verified 19 July 2026.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
2%
Card network
Visa
Card tier
Premium
Reward rates by category
- Dining10%
- Groceries10%
- Other10%
- Utilities20%
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–70
Benefits
- e-Gift voucher worth ₹3,000 from Yatra, Pantaloons, Bata/Hush Puppies, or Shoppers Stop
- Pizza Hut e-voucher worth ₹1,000 on ₹50,000 quarterly spend
- e-Gift voucher worth ₹7,000 from Yatra/Pantaloons on ₹5,00,000 annual spend
- 4 complimentary international Priority Pass lounge visits/year (max 2/quarter) plus 8 domestic lounge visits/year; complimentary Priority Pass membership worth $99
- Complimentary air accident cover of ₹50 lakh and credit card fraud liability cover of ₹1 lakh
- 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000
- 20 Reward Points per ₹100 on birthday spends (3-day window), capped at 2,000 points/year
Pros
- + 4 international + 8 domestic lounge visits/year
- + 5x reward points on dining, groceries, and department stores
- + Meaningful welcome and milestone vouchers
Cons
- − High ₹3,00,000 annual spend needed to waive the fee
- − Forex markup and APR not disclosed on the product page
Applying takes you to SBI Card's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.