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.

Sbi Prime

How to Apply for the SBI Prime Credit Card in 2026

How to apply Total time: 15 min · Estimated cost: ₹2,999 (joining fee) · You’ll need: PAN, Aadhaar, salary slips, bank statement, Form 16

Apply for the SBI Prime Credit Card with 5X reward points on dining, movies, and groceries. Eligibility, fees, and step-by-step walkthrough.

Check SBI Prime eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹40,000 for salaried. CIBIL score of 740+ is preferred.
Apply online via SBI Card — Visit sbicard.com → Personal → Credit Cards → Prime. Click Apply Now. The form is pre-filled if you are an existing SBI customer.
Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
Upload income documents — Upload the latest 3 months’ salary slips, last 6 months’ bank statement, and Form 16. Self-employed applicants must upload 2 years’ ITR with computation and business proof.
Submit and track — Submit the form. The 12-digit application reference is shown. Track status in SBI Card app. Approval takes 7–10 working days.
Pay the joining fee and receive the card — Once approved, SBI will charge ₹2,999 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, SBI Card app, or at any SBI ATM.
Use for dining, movies, and groceries — Use the card at restaurants, cinema halls, and grocery stores to earn 5X reward points. The 5X is capped at 10,000 points per month.

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.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

SBI credit cards — product page (verified 5 September 2026).
Reserve Bank of India — Master Direction on Credit Card and Debit Card Issuance (verified 5 September 2026).

Hidden caps on credit-card rewards — what issuers don’t shout about — monthly and quarterly caps that quietly throttle otherwise-high reward rates
How rewards programmes are designed (and what that means for you) — the rule of 1% interchange and why issuers gate rewards behind caps
Tax on credit-card rewards in India — what gets reported — when reward redemptions cross into taxable territory
Credit-card elite status programmes in India — issuer elite programmes and what their tiers actually unlock