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SBI Card PRIME Advantage
Visa
SBI Card PRIME Advantage
A general-purpose lifestyle card in SBI's PRIME lineup, aimed at shoppers, diners and moviegoers rather than travel-heavy spenders. It slots below the standard PRIME card with a lower fee but a similar reward shape.
Annual fee
₹2,999
Joining fee
₹2,999
Reward type
points
Base reward rate
1%
Card network
Visa
Card tier
Mid
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
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ 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
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹25,000
- Employment: salaried, self-employed
- Age: 21–70
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 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.
Pros
- + Sizeable welcome voucher choice
- + Solid rewards on dining, movies and travel
- + Birthday-month bonus
Cons
- − No lounge access
- − Annual fee waiver requires a fairly high spend threshold