How to Apply for the SBI Prime Credit Card in 2026
Apply for the SBI Prime Credit Card with 5X reward points on dining, movies, and groceries. Eligibility, fees, and step-by-step walkthrough.
FinWiz24 Editorial
The SBI Prime Credit Card is a premium lifestyle card with 5X reward points on dining, movies, and groceries, 2X on all other retail, 1% fuel surcharge waiver, and 2 domestic + 1 international lounge visit per year. The annual fee is ₹2,999, waived on ₹2 lakh spends in the previous year.
Why this matters
SBI Prime is targeted at urban users who spend heavily on dining, movies, and groceries. The 5X on these three categories makes the card one of the most rewarding SBI cards for urban users. The 2+1 lounge visits are enough for an occasional flyer.
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How to Apply for the SBI Prime Credit Card in 2026
Common mistakes to avoid
The 5X is restricted to direct POS transactions at restaurants, cinema halls, and grocery stores. Swiggy, Zomato, and BookMyShow online transactions do not qualify. The 2 domestic + 1 international lounge visits are via Dreamfolks — register before your first travel.
Pro tips
- Use SBI Prime for offline dining and grocery to maximise 5X
- Pair with SBI SimplyCLICK for online shopping
- Register on Dreamfolks and link the card before your first trip
- Plan the year to spend ₹2 lakh and waive the ₹2,999 annual fee
Frequently asked questions
What is the annual fee on SBI Prime?
₹2,999 + GST, waived on ₹2 lakh spends in the previous 12 months.
Does the 5X apply to Swiggy?
No. The 5X is restricted to offline POS transactions. Swiggy and Zomato earn the base 2 points per ₹100.
What is the minimum income for SBI Prime?
₹40,000/month for salaried. Self-employed need a minimum annual income of ₹5 lakh.
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Written by FinWiz24 Editorial
Editorial Disclosure: Our editorial team provides independent, unbiased information about credit cards. We may receive compensation from partner links, but this does not influence our reviews or recommendations.