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SBI Card PRIME
SBI Card PRIME is a well-rounded premium lifestyle card built around lounge access and accelerated dining, grocery, and department-store rewards rather than travel miles. It earns 10 points per ₹100 (about 2.5%) in those bonus categories, with utility bill payments earning 20 points per ₹100 (about 5%), backed by 4 international and 8 domestic lounge visits a year through a complimentary Priority Pass. The near-₹3,000 fee and an unusually high ₹3 lakh waiver threshold mean it rewards genuinely high annual spenders more than occasional users.
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
- Rewards rate: 0.5% base rate
- Domestic lounge access: 4 complimentary international Priority Pass lounge visits/year (max 2/quarter) plus 8 domestic lounge visits/year, backed by a complimentary Priority Pass membership worth $99 that also covers guests at a discounted rate
- International lounge access: 4 complimentary international Priority Pass lounge visits/year (max 2/quarter) plus 8 domestic lounge visits/year, backed by a complimentary Priority Pass membership worth $99 that also covers guests at a discounted rate
- Insurance benefits: Complimentary air accident cover of ₹50 lakh when the ticket is booked on the card, plus credit card fraud liability cover of ₹1 lakh against unauthorized transactions post reporting
Benefits by category
- 🍽️ Dining & food delivery
2.5% reward rate
- 🛒 Groceries
2.5% reward rate
- ✈️ Travel
4 complimentary international Priority Pass lounge visits/year (max 2/quarter) plus 8 domestic lounge visits/year, backed by a complimentary Priority Pass membership worth $99 that also covers guests at a discounted rate
- 🛡️ Insurance
Complimentary air accident cover of ₹50 lakh when the ticket is booked on the card, plus credit card fraud liability cover of ₹1 lakh against unauthorized transactions post reporting
- 🧾 Utilities
5% reward rate
- ⛽ Fuel
1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at any fuel station accepting Visa
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- 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.
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at any fuel station accepting Visa
- 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.
Benefits
- e-Gift voucher worth ₹3,000 chosen from Yatra, Pantaloons, Bata/Hush Puppies, or Shoppers Stop, issued once the joining fee is paid and the card is activated
- Pizza Hut e-voucher worth ₹1,000 for every ₹50,000 spent in a quarter, rewarding consistent spending rather than a single large purchase
- e-Gift voucher worth ₹7,000 from Yatra/Pantaloons on crossing ₹5,00,000 in a card anniversary year
- 4 complimentary international Priority Pass lounge visits/year (max 2/quarter) plus 8 domestic lounge visits/year, backed by a complimentary Priority Pass membership worth $99 that also covers guests at a discounted rate
- Complimentary air accident cover of ₹50 lakh when the ticket is booked on the card, plus credit card fraud liability cover of ₹1 lakh against unauthorized transactions post reporting
- 1% fuel surcharge waived on transactions between ₹500 and ₹4,000 at any fuel station accepting Visa
- 20 Reward Points per ₹100 spent during a 3-day birthday-month window, capped at 2,000 bonus points per year
Pros
- + 4 international + 8 domestic lounge visits a year via Priority Pass
- + 5x reward points on dining, groceries, and department stores
- + 20 points per ₹100 (about 5%) on utility bill payments
- + Meaningful welcome voucher plus quarterly and annual milestone rewards
- + ₹50 lakh air accident cover and ₹1 lakh fraud liability protection
Cons
- − High ₹3,00,000 annual spend needed to fully waive the fee
- − Forex markup and APR are not disclosed on the official product page
- − Bonus category rewards are points-based, adding a conversion step versus flat cashback
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