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State Bank of India
SBI PRIME Credit Card
- Joining fee incl. GST
- ₹3,539
- Renewal fee incl. GST
- ₹3,539
- Conditional welcome value
- Up to ₹3,000
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income (salaried)
- —
Welcome benefits depend on the actual offer and qualifying conditions; points and vouchers are not an automatic cash refund. On payment of joining fee
How this card earns
Reward rates with their qualifying conditions and caps. Use the calculator for a combined estimate.
Calculation coverage is still under review for this card. A recorded benefit does not mean every condition has been included in the estimate.
What still needs confirmation
- Milestone purchase qualification, current guest/paid-lounge prices and birthday timing need confirmation; transaction rounding is not modelled.
| Spend category | Reward rate | Reward limit |
|---|---|---|
Utilities & bills Only the qualifying merchants or payment route below Legacy utility standing instructions registered with SBI Card before 1 April 2021 only; new registrations closed 31 March 2021. 3,000 RP/month ceiling, then ordinary earning. | 5% | ₹15,000 spend / monthThen 0.5% on eligible excess |
Dining 10 RP per ₹100 on eligible dining, groceries, department stores and movies. Shared 7,500 RP/month (₹1,875), then 2 RP per ₹100. | 2.5% | ₹1,875 shared reward / monthThen 0.5% on eligible excess |
Groceries 10 RP per ₹100 on eligible dining, groceries, department stores and movies. Shared 7,500 RP/month (₹1,875), then 2 RP per ₹100. | 2.5% | ₹1,875 shared reward / monthThen 0.5% on eligible excess |
Entertainment Only the qualifying merchants or payment route below 10 RP per ₹100 on eligible dining, groceries, department stores and movies. Shared 7,500 RP/month (₹1,875), then 2 RP per ₹100. | 2.5% | ₹1,875 shared reward / monthThen 0.5% on eligible excess |
Selected merchants Only the qualifying merchants or payment route below 10 RP per ₹100 on eligible dining, groceries, department stores and movies. Shared 7,500 RP/month (₹1,875), then 2 RP per ₹100. | 2.5% | ₹1,875 shared reward / monthThen 0.5% on eligible excess |
| Other eligible purchases | 0.5% | — |
Excluded from ordinary earning: Fuel, Rent. Specific qualifying offers, if any, are listed above.
Rates apply only to the merchants and conditions described. Shared ceilings cannot be added across rows. Points and vouchers are valued at the stated redemption assumption; use the spending calculator for a combined estimate.
Fees & charges
Spend milestones
| Annual spend | Benefit | Value |
|---|---|---|
| ₹2,00,000 | Pizza Hut e-voucher worth ₹1,000 on quarterly spends of ₹50,000 | ₹4,000 |
| ₹5,00,000 | Yatra.com or Pantaloons e-gift voucher worth ₹7,000 on annual spends of ₹5,00,000 | ₹7,000 |
Key benefits
- Airport lounge access — 2/quarter domestic, 4/year international (8 domestic lounge visits per year (max 2 per quarter); 4 international visits per year via complimentary Priority Pass)
- 10 Reward Points per ₹100 on dining, departmental stores, groceries and movies
- 2 Reward Points per ₹100 on all other retail spends except fuel (1 RP ≈ ₹0.25)
- 1% fuel surcharge waiver (₹500–₹4,000, max ₹250 per statement cycle)
- Add-on cards for family
- 10 RP per ₹100 on eligible dining, groceries, department stores and movies. Shared 7,500 RP/month (₹1,875), then 2 RP per ₹100.
- Legacy utility 5% benefit requires a standing instruction registered before April 2021; unavailable to a new registration.
- Birthday bonus (day before, birthday and day after) has a 2,000 RP annual ceiling and does not stack with another accelerator. Excluded from estimates.
- For cards eligible for statement-credit redemption, SBI requires blocks of 4,000 points from 1 April 2026 and caps redemption at 60,000 points/month. This is separate from earning; redemption fees and unused balances reduce realised value.
What we like
- +2.5% value back on dining, groceries, departmental stores and movies
- +Strong milestone benefits (Pizza Hut + Yatra/Pantaloons vouchers)
- +Domestic and international lounge access via Priority Pass
- +Welcome voucher worth ₹3,000 partly offsets the first-year fee including GST if you use the voucher
What to watch
- −Annual fee of ₹2,999 plus GST
- −Base earn rate only 0.5% outside bonus categories
- −Fee waiver needs high ₹3 lakh annual spend
- −Reward points have modest ₹0.25 redemption value
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