SBI Card PRIME
A points card: 10 points per ₹100 on dining, departmental stores, groceries and movies (up to 7,500 a month), 2 per ₹100 elsewhere; 4 points = ₹1; quarterly Pizza Hut voucher and airport lounges. Every figure below is copied from SBI Card’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹2,999 plus GST Product page |
|---|---|
| Annual fee | ₹2,999 plus GST Product page |
| Annual fee waiver | On ₹3,00,000 of spend in the year Product page |
| GST on fees | 18% |
| Foreign-currency markup | 3.5% of the transaction, plus GST MITC |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Product page.
| Spend | Earns | Cap |
|---|---|---|
| Dining, departmental stores, groceries and movies | 10 points per ₹100 Terms | up to 7,500 points a month Terms |
| All other eligible spends | 2 points per ₹100 Terms | no cap on record |
Points pay the card bill at 4 points = ₹1, with a ₹99 redemption fee; from 1 Apr 2026 statement-credit redemptions go in multiples of 4,000 points, up to 60,000 points a month. The 20 points per ₹100 on utility standing instructions applies only to registrations made before April 2021, so it is not modelled. Points expire after 24 months.
No rewards on
Benefits
- Lounges: 8 domestic airport lounge visits a year (2 a quarter) and 4 international Priority Pass visits a calendar year (2 a quarter), with Priority Pass membership Product page
- Fuel: 1% fuel surcharge waived on fills of ₹500 to ₹4,000, up to ₹250 a statement cycle Product page
- Welcome: Welcome e-gift voucher worth ₹3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop), after the fee is paid Product page
- Milestone: Pizza Hut e-voucher worth ₹1,000 for ₹50,000 of spend in a quarter Product page
- Milestone: Yatra.com or Pantaloons e-gift voucher worth ₹7,000 at ₹5 lakh of annual spend Product page
Also on this card
Quoted from SBI Card; not counted in the net value.
- 20 points per ₹100 on birthday spends (three days, up to 2,000 points a year) Terms
- 4 international Priority Pass lounge visits a calendar year Product page
- Complimentary 1-year Club ITC Silver Tier membership Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by SBI Card in the documents read
- eligibility criteria
- a RuPay variant for UPI
Where SBI Card’s documents differ, and what is used
- Air accident cover: the product page still lists a ₹50 lakh air accident cover, but a customer notice discontinued it on SBI Card PRIME from 15 Jul 2025; it is not listed.
- Network: the terms booklet names Visa and Mastercard; an American Express variant is named in a 2022 customer notice.
The quotes behind the figures
45 figures, each copied from an official SBI Card document.
Show every quote and source
“Annual Fee: Rs. 2,999 + taxes”
“Renewal Fee (per annum): Rs. 2,999 + taxes from second year onwards”
“For the cardholders having state of residence in the records of SBI Card on the statement date as other than "Haryana" - Integrated Tax @ 18%”
“Renewal fee waived on annual spends of Rs. 3 lakhs.”
“Foreign Currency Transaction Fee: 3.5% (For all cards except AURUM, Elite, Prime NRI secured, Tata Neu Infinity SBI Credit Card, SBI Card Miles Elite/ Miles Prime/ Miles).”
“Pay your outstanding card bill using reward points. 4 Reward Points = Re. 1”
“Cardholder shall earn total of 10 Reward Points for every `100 spent on the following categories: - 1. Dining 2. Departmental stores 3. Grocery 4. Movies”
“Reward Points on accelerated categories (only for accelerated Reward points earned through spends on Dining, Departmental Stores, Grocery & Movies) as defined in section 11 of Terms and Conditions, will be subject to a capping of 7500 Reward Points per calendar month.”
“Get 10 reward points on dining, departmental stores, movies and grocery spends”
“After reaching this monthly cap, the cardholder will accrue 2 Reward Point per Rs.100 on eligible transactions done in accelerated categories.”
“SBI Card PRIME Cardholders shall earn 2 Reward Points for every `100 charged to his/her SBI Card PRIME.”
“Earn 2 reward points per Rs. 100 on all other retail spends, except fuel”
“For SBI Card PRIME all spending charged to the SBI Card under the Program will be eligible to earn Points except the following - any purchases at petrol pumps/ service stations (MCCs excluded-5172, 5541, 5542, 5983)”
“e-Wallet Loading Transactions identified under MCCs 6540 and 6541 will not be eligible to accrue reward points with effect from 1st July 2020”
“List of SBI Credit Cards where Reward Points will not be applicable on Rent Payments w.e.f. 01 Apr'24 : • AURUM • SBI Card Elite • SBI Card Elite Advantage • SBI Card Pulse • SimplyCLICK SBI Card • SimplyCLICK Advantage SBI Card • SBI Card PRIME”
“List of SBI Credit Cards where Reward Points will not be applicable on Government related transactions w.e.f. 1 Jun'24 : • AURUM • SBI Card ELITE • SBI Card ELITE Advantage • SBI Card Pulse • SimplyCLICK SBI Card • SimplyCLICK Advantage SBI Card • SBI Card PRIME”
“"isOnline" : "yes", "isVisibleOnWebsite" : "yes",”
“SBI Prime Credit Card - Privileges & Features - Apply Now | SBI Card”
“SBI Card ELITE American Express® Card and SBI Card PRIME American Express® Card cannot be used for cash withdrawal at ATMs in India.”
“SBI Card PRIME 2,999 2,999(Waived off on annual spends of 3 Lakh or more in the preceding year)”
“The cardholder shall be eligible for reversal of the annual card fee upon achieving the required Net Retail Spends (retail spends minus reversals) on eligible transactions during the 365 days immediately preceding the annual fee billing date.”
“Earn 20 Reward Points per Rs. 100 on birthday spends (valid one day before, on, and one day after your birthday)”
“Cardholder shall also earn total of 20 Reward Points for every `100 spent for Standing Instructions (SI) on utility bill transactions (with capping of 3,000 Reward Points per month on this earning), applicable on registrations done through SBI Card platforms (Mobile App/Website/Agents) only.”
“As per RBI regulation on processing of recurring transactions, new Autopay registrations has been discontinued on SBI Card platforms (website/mobile App/Outbound calling) from 1st April'21.”
“Reward Points accrued under the Rewards Program are valid for a period of 24 months (for all cards except for AURUM).”
“W.e.f. 1 Apr'26, redemption of Reward Points for Statement Credit will be capped at 60,000 Points per month.”
“W.e.f. 1 Apr '26, redemption of Reward Points for Statement Credit can be made only in multiples of 4,000 Points.”
“Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion and Shoppers Stop”
“A cardholder will be eligible for welcome gift only post payment / realization of annual fee by SBI Card.”
“Complimentary membership to Priority Pass Program worth $99”
“Complimentary air accident liability cover of Rs. 50 lakhs.”
“With effect from 15 July 2025, the complimentary Air Accident insurance coverage of ₹ 50 lakhs currently offered on your SBI Card Prime will be discontinued.”
“Secured card variant 'Advantage' also available”
“Rewards Redemption Fee: Rs.99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM.”
“8 complimentary domestic airport lounge visits (max. 2 visits per quarter)”
“Enjoy a 1% fuel surcharge waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps across India.”
“Maximum surcharge waiver of Rs. 250 per month, per statement cycle”
“Welcome e-Gift Voucher worth Rs. 3,000”
“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).”
“E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on annual spends of Rs. 5 lakhs.”
“Cardholder shall earn total of 20 Reward Points for every `100 spent on his Birthday for three days (applicable on birthday, a day before & after) with capping of 2,000 Reward Points per year on this earning.”
“4 complimentary International Priority Pass Lounge visits per calendar year, outside India (max. 2 visits per quarter)”
“Complimentary 1-year Club ITC Silver Tier Membership”
“"ctaText" : "Apply Now", "ctaView" : "primary",”
“Just look for the VISA/MasterCard sign of acceptance and present your card for payment.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with SBI Card or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is SBI Card’s own file from its website, unaltered, fetched 2026-10-15. Methodology