State Bank of India
SBI Card PRIME
Best for rewards, premium
₹2,999/yr annual fee · 4x rewards
By FinWiz24 Research Desk · Reviewed by FinWiz24 Research Desk · How we review
Annual fee
₹2,999/yr
Reward rate
4x
Min. income
₹15,00,000
Forex markup
Not published
Lounge access
Domestic + international
Eligibility
₹15 lakh/yr · CIBIL 750+
Reward cap
Utility-bill-payment accelerated cap of 3,000 RPs/quarter; birthday cap 2,000 RPs/calendar year
Welcome benefit
₹1,000 Pizza Hut e-Voucher on quarterly spends of ₹50,000 (₹500 for Prime Pro variant); ₹7,000 e-Gift Voucher from Yatr…
Who is this for
- Rewards optimiser
- Premium cardholder
What we like
- Unlimited international lounge access
- Milestone vouchers or extras
Watch out for
- ₹2,999 non-waiver joining fee
- ₹950 late-payment fee
Issuer
Fees and charges
| Fee | Amount | Waiver |
|---|---|---|
| Fuel surcharge | 1% | 1% surcharge waived on fuel between ₹500 and ₹4,000 |
| Joining fee | ₹2,999 | Not waivable |
| Annual fee | ₹2,999 | Waived on annual spends of ₹3,00,000 or more in the preceding year |
| Forex markup | Not published | Not waivable |
| Late payment | ₹950 | Not waivable |
Rewards
| Spend category | Rate | Cap | Redemption |
|---|---|---|---|
| All spends | 10 Reward Points per ₹100 on dining, departmental stores, movies and grocery; 20 Reward Points per ₹100 on utility bi… | Utility-bill-payment accelerated cap of 3,000 RPs/quarter; birthday cap 2,000 RPs/calendar year | 1 Reward Point = ₹0.25 (statement credit / catalogue / vouchers via sbicard.com Shop & Smile rewards portal) |
| SHOPPING | 5.00 | — | 0.25 |
| DINING | 5.00 | — | 0.25 |
Benefits
-
Domestic lounge access
8 complimentary domestic airport lounge visits per year (2 per quarter) — included in the standard benefits
-
International lounge access Highlight
4 complimentary International Priority Pass lounge visits per year (max. 2 per quarter); Priority Pass membership worth $99 complimentary
-
Milestone benefits Highlight
₹1,000 Pizza Hut e-Voucher on quarterly spends of ₹50,000 (₹500 for Prime Pro variant); ₹7,000 e-Gift Voucher from Yatra.com / Pantaloons on annual spends of ₹5,00,000
-
Fuel surcharge waiver
1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 at all fuel stations
Eligibility
- Age
- 21–65 years
- Min. income
- ₹15,00,000
- Min. credit score
- 750+
- Score note
- Excellent credit score
- Employment
- Salaried, self-employed
- Documents
- PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof
SBI Card PRIME is a MASTERCARD credit card from SBI Card. It is best suited for rewards, premium.
Fees and rewards
- Annual fee: ₹2999
- Joining fee: ₹2999
- Rewards: 5 reward points per ₹100
Eligibility
PAN, Aadhaar, latest salary slips / ITR, bank statements, photo, address proof
Card data is compiled from the issuer’s published fee schedules and is reviewed weekly. High-confidence record. Status: active.
Step-by-step application guide: Read the SBI Card PRIME apply walkthrough →
Last reviewed · How we review
FinWiz24 may earn a commission from issuer links. Our editorial process is independent and unbiased.
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