South Indian Bank SBI Card PRIME

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: Accelerated reward points on dining, plus movie-ticket offers via SBI Card partnerships
• Rewards rate: 1% base rate
• Domestic lounge access: 8 complimentary domestic lounge visits per calendar year
• International lounge access: 4 complimentary international Priority Pass lounge visits per year (max 2/quarter)

• 🍽️ Dining & food delivery

  2% reward rate

• ✈️ Travel

  2% reward rate · Complimentary domestic and international airport lounge access

• 🌍 Forex / international spend

  3.5% forex markup on international transactions

• Minimum credit score: 700
• Minimum monthly income: ₹1,00,000
• Employment: salaried, self-employed
• Age: 21–65

• Spend-based waiver: Waived on annual spend of ₹3,00,000
• Foreign currency markup: 3.5%
• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000, capped at ₹250/month
• Cash advance charges: 2.5% of the withdrawn amount or ₹300, whichever is higher

• Complimentary domestic and international airport lounge access
• Up to 3 add-on cards for family members
• Milestone-based e-gift vouchers on reaching annual spend thresholds