Karnataka Bank SBI Card PRIME

Premium perks without the annual fee burden

Annual fee₹2,999Waived on ₹3.0L spend

RewardsEarn 2 reward points per Rs. 100 on all other retail spends, except fuel

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

View Offer Talk to OnePaisa

Secure · Free · No spam calls

Independent comparison platform. Not affiliated with State Bank of India. Full disclaimer

Welcome benefits

worth ₹3,000

Welcome 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

Prime Rewards

Excludes: Fuel

Category	Rate	Cap
Utility Bill Payment Standing Instructions	—	—
Dining, Departmental Stores And Grocery	—	—
Birthday Spends	—	—

• 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

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 from second year onwards
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