SBI Prime Credit Card

PRIME earns 10 reward points per Rs 100 on dining, groceries, department stores and movies, about 2.5% back, and about 0.5% on other spends. The accelerated rate has a monthly cap. You get 8 domestic lounge visits and 4 international visits through Priority Pass each year, plus a Rs 1,000 Pizza Hut voucher for every quarter you spend Rs 50,000.

It costs ₹2,999 a year plus GST, and paying the fee brings a Rs 3,000 e-voucher, so the fee is almost fully returned. It is waived once you spend ₹3 lakh in the year, and Rs 5 lakh earns a Rs 7,000 Yatra or Pantaloons voucher.

It suits families with steady dining and grocery bills who fly a few times a year. The catch is the 3.5% forex fee and a thin base rate.

Best for: Families with regular dining and grocery bills, Occasional flyers, People who value milestone vouchers.

01SBI Prime Credit Card Rewards and Benefits

Rewards rate

0.5% base, up to 2.5% on dining

Fee waived on

₹3 lakh spend a year

Reward redemption

Not published

Dining

2.5% back

Travel

0.5% back (the normal rate)

Golf

Not included

Domestic lounge

8 visits a year

International lounge

4 visits a year

Insurance benefits

Not included

02SBI Prime Credit Card Annual Fee and Charges

Joining fee

₹2,999 + GST

Annual fee

₹2,999 + GST

Spend-based waiver

Annual fee waived on ₹3 lakh spend in a year (rent and wallet loads not counted)

Rewards redemption fee

Nil

Forex markup

3.5%

Interest rate

3.75% a month (45% a year)

Fuel surcharge waiver

Yes

Card replacement

Not published

03What It's Worth, in Rupees

If you spend ₹20,000 a month on this card:

• ₹5,000 on dining and food delivery, earning 2.5%₹125
• ₹15,000 on everything else, earning 0.5%₹75
• Back each month, ₹2,400 a year₹200
• Annual fee with 18% GST−₹3,539
• It costs you each year₹1,139

Worked out from this card's reward rates, caps and fee in our data; a rate limited to named merchants is not counted here. Your own spending will differ: see what this card is worth at your spend.

04Product Details

• ₹2,999 joining and annual fee, waived at ₹3 lakh yearly spend
• ₹3,000 welcome e-voucher on paying the fee
• 10 reward points per ₹100 on dining, groceries, department stores and movies
• 8 domestic and 4 international lounge visits a year
• ₹1,000 Pizza Hut voucher on ₹50,000 quarterly spend
• ₹7,000 voucher on ₹5 lakh yearly spend
• UPI enabled

05Pros and Cons

06How SBI Prime Credit Card earns Rewards

0.5% base, up to 2.5% on dining.

Terms on the base rate. 2 RP per ₹100 (~0.5%) base. Utility bill standing instructions earn 20 RP per ₹100 up to 3,000 points a month, but SBI closed new Autopay registrations in April 2021, so we do not score it

Point value. 1 point is worth about ₹0.25 at the bank's stated value.

07SBI Prime Credit Card Lounge Access and Travel

Domestic lounge access is 8 visits a year, international is 4 visits a year, through Priority Pass with Priority Pass. 8 domestic lounge visits a year (2 a quarter) + 4 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership worth $99. Spending abroad carries a 3.5% forex markup; rewards on it: 0.5% back (the normal rate). See what it costs on your trip

Also on the card. fuel surcharge waiver, hotel membership, insurance cover, airport lounge access, milestone bonuses.

• Fuel surcharge waiver: 1% fuel surcharge waiver on transactions of ₹500 to ₹4,000, capped at ₹250 per statement cycle
• Hotel membership: Complimentary 1-year Club ITC Silver Tier membership
• Insurance cover: Air accident liability cover of ₹50 lakh and credit card fraud liability cover of ₹1 lakh
• Milestone bonuses: ₹1,000 Pizza Hut e-voucher for every quarter you spend ₹50,000, up to ₹4,000 a year at a steady ₹50,000 a quarter. Prime Pro cardholders get ₹500 a quarter
• Milestone bonuses: ₹7,000 Yatra.com or Pantaloons e-gift voucher on ₹5 lakh of annual spend

08SBI Prime Credit Card Eligibility and Documents

Employment

Salaried or self-employed

Documents. PAN card Aadhaar / valid address proof Latest 3 months bank statement Income proof, salary slips (salaried) or ITR (self-employed) Recent passport-size photograph

09Recent Changes

What State Bank of India changed on this card recently. The facts on this page already reflect them.

See this card's change history → · All card changes in April 2026 →

10Cards Similar to SBI Prime Credit Card

SBI Prime Credit Card is a dining card. The two below are the closest on SkyloFin; open any of them, or put them side by side.

Feature	SBI Prime Credit Card	HSBC Live Plus Credit Card	SBI BPCL Credit Card
Joining fee	₹2,999 + GST	₹999 + GST	₹499 + GST
Annual fee	₹2,999 + GST	₹999 + GST	₹499 + GST
Rewards	0.5% base, up to 2.5% on dining	1.5% base, up to 10% on dining	0.25% base, up to 1.25% on dining; 3.25% only at partner merchants
Domestic lounge	8 visits a year	2 visits a year	Not included
Forex markup	3.5%	1.99%	3.5%
Type	Dining	Dining	Fuel

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