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Last updated: 01-06-2026
SBI Card PRIME
SBI Card

SBI Card PRIME

"Premium lifestyle card with 10X rewards on dining, groceries and movies โ€” plus domestic and international lounge access"

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Quick Summary
๐Ÿ’ณ Joining Fee
โ‚น2,999 + GST
๐Ÿ”„ Renewal Fee
โ‚น2,999 + GST
Waived: Waived on annual spends of โ‚น3 lakh or more in the membership year
๐ŸŽฏ Best Suited For
Lifestyle spenders who frequently dine out, shop at departmental stores, buy groceries and watch movies; those who want domestic and international lounge access at a reasonable annual fee
๐ŸŽ Reward Type
Reward Points (1 RP = โ‚น0.25 for redemption; effective rate up to 2.5% on accelerated categories)
๐ŸŽ‰ Welcome Benefit
E-gift voucher worth โ‚น3,000 from partner brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com โ€” credited on payment of joining fee
๐Ÿ’ฐ Reward Rate
10 Reward Points per โ‚น100 on dining, groceries, departmental stores, and movies (2.5% effective rate); 2 Reward Points per โ‚น100 on all other eligible spends (0.5% rate); 20 Reward Points per โ‚น100 on birthday spends (capped at 2,000 RPs/year); 20 RP/โ‚น100 on utility bill auto-pay (for pre-March 2021 registrations only)
โœˆ๏ธ Lounge Access
8 complimentary domestic airport lounge visits per year (max 2 per quarter); 4 complimentary international Priority Pass lounge visits per year outside India (max 2 per quarter); complimentary Priority Pass membership
๐Ÿ’ฑ Forex Markup
3.5% + GST on international transactions
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โœ… Pros
  • 10X rewards on dining, groceries, movies and departmental stores โ€” 2.5% effective rate
  • 8 domestic + 4 international lounge visits per year
  • Welcome voucher worth โ‚น3,000 offsets first year fee
  • Up to โ‚น11,000 milestone vouchers annually for โ‚น5L spenders
  • Fee waived at low โ‚น3L annual spend threshold
  • Club ITC Silver + Air India Flying Returns memberships
โŒ Cons
  • Base reward rate of just 0.5% on non-accelerated categories is very low
  • High forex markup of 3.5%
  • Reward redemption fee of โ‚น99 per request
  • Club Vistara membership discontinued (Vistara merged with Air India)
  • Air accident insurance discontinued from July 2025
  • Not suitable for shoppers outside accelerated categories

๐ŸŽ Rewards & Benefits

Reward Type
Reward Points (1 RP = โ‚น0.25 for redemption; effective rate up to 2.5% on accelerated categories)
Welcome Benefits
E-gift voucher worth โ‚น3,000 from partner brands: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com โ€” credited on payment of joining fee
Reward Rate
10 Reward Points per โ‚น100 on dining, groceries, departmental stores, and movies (2.5% effective rate); 2 Reward Points per โ‚น100 on all other eligible spends (0.5% rate); 20 Reward Points per โ‚น100 on birthday spends (capped at 2,000 RPs/year); 20 RP/โ‚น100 on utility bill auto-pay (for pre-March 2021 registrations only)
Reward Redemption
Redeem via SBI Card website or mobile app for gift vouchers, statement credit, merchandise, travel bookings; 1 RP = โ‚น0.25 for most redemptions. Redemption fee: โ‚น99 + GST per request.
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between โ‚น500 and โ‚น4,000; maximum waiver โ‚น250 per statement cycle
Lounge Access
8 complimentary domestic airport lounge visits per year (max 2 per quarter); 4 complimentary international Priority Pass lounge visits per year outside India (max 2 per quarter); complimentary Priority Pass membership
Spend Based Fee Waiver
Annual renewal fee waived on spending โ‚น3 lakh or more in the membership year
Milestone Benefits
โ‚น1,000 Pizza Hut e-voucher on spending โ‚น50,000 in a calendar quarter; โ‚น7,000 e-gift voucher from Yatra.com or Pantaloons on annual spend of โ‚น5 lakh. Total milestone value: up to โ‚น11,000/year.
Other Benefits
Complimentary Club ITC Silver Tier membership (for cards issued from September 2025 onwards) โ€” exclusive discounts at ITC Hotels; complimentary Air India Flying Returns membership (following Vistara-Air India merger); Trident Privilege Red Tier membership; golf privileges including complimentary rounds and lessons (on select variants); up to 25% off at select restaurants via Amex Dining platform

โœจ Special Perks & Exclusive Offers

Memberships
Club ITC Silver Tier; Air India Flying Returns; Trident Privilege Red Tier; Priority Pass
Insurance Cover
Lost card liability protection; personal accident insurance (discontinued for new cards from July 2025)
Add-on Cards
Add-on cards available for family members
Concierge Services
Details coming soon
Special Offers
Pizza Hut quarterly voucher; exclusive Yatra offers; RuPay SELECT benefits including spa vouchers and OTT memberships (RuPay variant)

๐Ÿ’ณ Fees & Interest Rates

Joining Fee
โ‚น2,999 + GST
Annual Fee / Renewal Fee
โ‚น2,999 + GST
โœ“ Waived on: Waived on annual spends of โ‚น3 lakh or more in the membership year
Interest Rate (APR)
๐Ÿ’ก Pay your balance in full each month and this never applies to you.
3.5% per month (42% per annum)
ATM Cash Withdrawal / Cash Advance
2.5% of withdrawn amount, minimum โ‚น500
Late Payment Charges
โ‚น100 (due up to โ‚น500); โ‚น400 (โ‚น501โ€“โ‚น1,000); โ‚น750 (โ‚น1,001โ€“โ‚น10,000); โ‚น950 (โ‚น10,001โ€“โ‚น25,000); โ‚น1,100 (โ‚น25,001โ€“โ‚น50,000); โ‚น1,300 (above โ‚น50,000)
Over Limit Charges
2.5% of overlimit amount, minimum โ‚น500
Cheque Bounce / Auto-Debit Return
Details coming soon
Foreign Currency Markup
3.5% + GST on international transactions
Other Charges
Reward redemption fee: โ‚น99 + GST per request; cash advance fee: 2.5% or โ‚น500, whichever is higher; Flexipay EMI conversion available

๐Ÿ“‹ Eligibility & Credit Limit

Eligibility Criteria
Age 18โ€“70 years; salaried or self-employed; minimum monthly income โ‚น20,000 (salaried); good credit history; Indian resident with valid KYC
Credit Score Requirement
700+ CIBIL score recommended
Credit Limit
Based on income and SBI Card credit assessment

๐Ÿ“… EMI, Balance Transfer & Debt Management

EMI Conversion
Flexipay: convert transactions above โ‚น500 to EMI; tenures 3โ€“24 months
Balance Transfer Facility
Available from other bank credit cards; minimum โ‚น5,000
Balance Transfer Interest Rate
As per SBI Card prevailing rates
Balance Transfer Charges
Details coming soon

๐Ÿ”’ Security & Fraud Protection

Card Block Feature
Instant block via SBI Card app, website, or customer care
Instant Fraud Alerts
SMS and email alerts for every transaction
Purchase Protection
Zero liability on timely reporting of card loss
Virtual Card Numbers
Details coming soon
Zero Liability Protection
Zero liability on unauthorized transactions after reporting

๐Ÿ“ž Customer Service & Digital Experience

Phone Support
1860 180 1290 / 39 02 02 02 (prefix STD code); 24x7
Chat / Email Support
Chat via SBI Card app and website; email: customercare@sbicard.com; ILA chatbot available
Mobile App
SBI Card mobile app: track spends, pay bills, manage EMI, view offers, OTP generation
Online Banking
Full management via SBI Card website: statements, payments, Flexipay, offers, reward redemption

Last updated: 01-06-2026

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Printed: 23 Oct 2026, 09:30 PM
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