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)
Reviews are written by readers and checked by us before publishing. They're personal experiences and don't affect our rankings, which are calculated from card terms.
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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.