SBI Card PRIME Advantage

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.

• Movie & dining: Movie and dining privileges plus a birthday-month bonus.
• Rewards rate: 1% base rate

• 🍽️ Dining & food delivery

  5% reward rate · Movie and dining privileges plus a birthday-month bonus. · Accelerated points on dining, movies and travel bookings.

• ✈️ Travel

  5% reward rate

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹25,000
• Employment: salaried, self-employed
• Age: 21–70

• 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.
• 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• Cash advance charges: 2.5% of the withdrawn amount or ₹300 (whichever is higher) at domestic ATMs, and 3% or ₹300 (whichever is higher) internationally; cash advances earn no reward points and carry no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 e-gift voucher worth Rs. 3,000 from partner retail brands.
• Movie and dining privileges plus a birthday-month bonus.
• Accelerated points on dining, movies and travel bookings.