State Bank of IndiaVISA

SBI Card PRIME

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SBI Card PRIME

Premium lifestyle rewards with complimentary lounge access

Annual fee₹2,999Waived on ₹3.0L spend

Rewards0.50%Assumes 1 Reward Point = Rs. 0.25 per SBI Card's standard rewards catalogue/statement-credit redemption (issuer states 6,000 RP = Rs 1,500). PRIME T&C booklet itself states no rupee value, deferring to the Shop-and-Smile catalogue.

Forex markup3.5%3.5% on all foreign currency transactions

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Welcome benefits

worth ₹3,000

e-Gift Voucher worth ₹3,000

Type: Voucher
Partner: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop

Rewards

Base earn rate

Earn 2 reward points per ₹100 on all other retail spends, except fuel

Excludes: Fuel

• Reward Points are valid for a period of 24 months (for all cards except AURUM). For AURUM, Reward Points never expire.
• Redemption fee: ₹99

Milestone benefits

Earn a Pizza Hut e-Voucher worth Rs. 1,000 on quarterly spends of Rs. 50,000 (Prime Pro cardholders: Voucher worth Rs. 500 on the same spends). Renewal fee waived on annual spends of Rs. 3 lakhs. E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 lakhs.

Lounge access

Domestic

8visits / year

Max 2 per quarter

VisaMastercardAmerican ExpressRuPay

SBI Network-Partner Lounge Program (Visa/RuPay/Mastercard) lounge programme →

International

Priority Pass

4complimentary visits

Membership value USD 99

Priority Pass lounge programme →

Fees & charges

Joining fee: ₹2,999 + taxes
Annual / renewal fee: ₹2,999 + taxes
Annual fee waiver: Renewal fee waived on annual spends of ₹3 lakhs
Add-on card fee: Nil
Interest rate: Finance Charges: 3.75% p.m. (45% p.a.) for unsecured cards; 2.75% p.m. (33% p.a.) for Shaurya, Defence Cards and Secured cards. Minimum Finance Charges ₹25
Interest-free period: 50 days
Cash advance fee: 2.5% of transaction amount (subject to a minimum of ₹500)
Overlimit fee: 2.5% of the overlimit amount that exceeds the credit limit or ₹600, whichever is higher, will be levied. Overlimit Fee will be levied only once per billing cycle.
Payment dishonour: In case of a Payment Dishonor, cardholder will be charged payment dishonor fee of 2% of Payment Amount subject to minimum charges of ₹500
Forex markup: 3.5% on all foreign currency transactions
DCC markup: 3.50%
Reward redemption: ₹99 per redemption
Fuel surcharge: 1% waiver, on ₹500–₹4000 txns, max ₹250/cycle

Late payment

Outstanding amount	Late fee
₹0 – ₹100	₹0
₹101 – ₹500	₹100
₹501 – ₹1,000	₹500
₹1,001 – ₹10,000	₹750
₹10,001 – ₹25,000	₹950
₹25,001 – ₹50,000	₹1,100
Above ₹50,001	₹1,300

Insurance covers

Air accident

₹50L

Complimentary air accident liability cover of Rs. 50 lakhs

Fraud liability

₹1L

Complimentary credit card fraud liability cover of Rs. 1 lakh. Coverage applies from 48 hours before reporting the loss up to 7 days after reporting

Lost card liability

₹1L

Eligibility

Salaried: minimum ₹40,000/month income. Self-employed: 2+ years of filed ITR showing equivalent annual income. Age 21–65. CIBIL 700+ recommended.

Features

✓ Contactless✓ Chip & PIN✓ International usage

Additional features

Utility bill payment facility
FlexiPay - Convert purchases to EMI
Balance transfer on EMI

No rewards on

Fuel

Is this card worth it for you?

Your monthly spend

₹10,000₹5,00,000

Birthday spends — 5% back

0% of spend100% of spend

Utility bill standing instructions — 5% back

0% of spend100% of spend

Remaining 65% of spend earns the 0.5% base rate.

Rewards / year

₹12,450

≈ 2.08% effective

Annual fee

₹0 (waived)

waived at ₹3,00,000/yr spend

Net steady-state return

+₹12,450/year

Strong fit at this spend

At ₹50,000/month, rewards outrun the fee by ₹12,450 a year.

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One-time joining fee (year 1 only): ₹2,999

One-time welcome benefit: ~₹3,000 — e-Gift Voucher (Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Shoppers Stop, Yatra) worth `3,000, chosen in multiples of Rs.1000; issued only after payment/realisation of annual fee.

Based on published rates as of 2026-08-07; assumes 1 Reward Point = Rs. 0.25 per SBI Card's standard rewards catalogue/statement-credit redemption (issuer states 6,000 RP = Rs 1,500). PRIME T&C booklet itself states no rupee value, deferring to the Shop-and-Smile catalogue.. Rewards estimates, not guarantees.