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SBI Card PRIME Business
Visa
SBI Card PRIME Business
SBI Card's business variant of its PRIME line carries the same ₹2,999 fee as the personal PRIME card but redirects the bonus categories toward small-business essentials — dining, utility payments and office supplies — instead of purely lifestyle spend. It's positioned as a mid-tier option for established sole proprietors and small firms already comfortable with SBI Card's ecosystem, rather than a first business card.
Rates and fees last verified 15 July 2026 · No bank pays us to rank higher.
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 self-employed applicants with a credit score of roughly 750+ whose spend is concentrated in dining, utilities. It's worth the annual fee mainly if your points value clears it.
Benefits by category
- 🍽️ Dining & food delivery
5% reward rate · Extra reward points on dining, utility bill payments and office-supplies spend
- ✈️ Travel
Complimentary domestic airport lounge access
- 🛡️ Insurance
Complimentary air accident liability cover and credit card fraud liability cover
- 🧾 Utilities
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 750
- Minimum monthly income: ₹50,000
- Employment: self-employed
- Age: 25–70
Benefits
- Extra reward points on dining, utility bill payments and office-supplies spend
- Complimentary domestic airport lounge access
- Complimentary air accident liability cover and credit card fraud liability cover
Pros
- + Bonus categories (dining, utilities, office supplies) map directly to common small-business costs
- + Complimentary lounge access and solid baseline insurance covers at a moderate fee
- + Backed by SBI Card's large merchant and redemption network
Cons
- − ₹2,999 fee is on the higher side for a card with no clearly published spend-based waiver
- − No longer actively sourced through major aggregators, so applying may require going direct to SBI Card or a branch
- − Base reward rate outside bonus categories is unremarkable at 1 point per ₹100