SBI Card PRIME is best for mid-range spenders on dining, groceries and movies. 10 points per ₹100 (2.5%) on dining, groceries, department stores and movies.
Effective value back per ₹100 spent. 2 points per ₹100, and 10 per ₹100 on dining, groceries, department stores and movies; 4 points = ₹1.
Estimated yearly value after fees and caps for typical spending patterns.
| Balanced spender ₹3,96,000/yr spend | ₹3,720 |
|---|---|
| Online shopper ₹3,90,000/yr spend | ₹3,030 |
| Frequent traveller ₹8,04,000/yr spend | ₹1,344 |
| Family & groceries ₹5,88,000/yr spend | ₹6,960 |
Domestic lounge access (SBI reduced visits in 2026)
The SBI Card PRIME credit card has a joining fee of ₹2,999 and an annual fee of ₹2,999, plus 18% GST. The annual fee is waived if you spend ₹3,00,000 or more in a card year.
The SBI Card PRIME card is best for: mid-range spenders on dining, groceries and movies. Its main strengths are: 10 points per ₹100 (2.5%) on dining, groceries, department stores and movies; 20 points per ₹100 on your birthday. Its main drawback: ₹2,999 fee.
The SBI Card PRIME card charges a 3.5% forex markup on international transactions, plus 18% GST on the markup.
Yes: Domestic lounge access (SBI reduced visits in 2026). Banks often attach spend conditions to lounge access, so check the latest terms.