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Spar SBI Card PRIME
Visa
Spar SBI Card PRIME
The mid tier of SBI's Spar co-brand series, adding domestic lounge access and a stronger grocery earn rate for households that spend more heavily at Spar than the base card rewards well.
Annual fee
₹1,499
Joining fee
₹1,499
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 groceries, dining. 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
2.5% reward rate
- 🛒 Groceries
7.5% reward rate
- ✈️ Travel
Complimentary domestic airport lounge visits.
- 🌍 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: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹2,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- Higher-value welcome voucher from Spar stores.
- Complimentary domestic airport lounge visits.
- Higher accelerated points on grocery spends at Spar.
Pros
- + Higher grocery reward rate at Spar
- + Domestic lounge access
- + Larger welcome voucher
Cons
- − Meaningfully higher fee than the base Spar card
- − Rewards remain grocery-and-single-chain focused