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State Bank of India
SBI PRIME Credit Card
4.3Best for dining out
Lounge access
- Joining fee
- ₹2,999
- Annual fee
- ₹2,999
- Welcome bonus
- ₹3,000
- Forex markup
- 3.5%
- Interest p.a.
- 45%
- Min income
- —
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Dining 10 Reward Points per ₹100. 1 RP ≈ ₹0.25, so 10 RP = ₹2.50 per ₹100 = 2.5% value back | 2.5% | — | ₹3,000 |
Groceries 10 RP per ₹100 on grocery and departmental store spends = 2.5% value back | 2.5% | — | ₹3,000 |
Entertainment 10 RP per ₹100 on movie spends = 2.5% value back | 2.5% | — | ₹3,000 |
| All other spends | 0.5% | — | ₹600 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining fee₹2,999
Annual fee₹2,999
Annual fee waiverAnnual fee reversed on annual spends of ₹3,00,000 or more in the previous year
Foreign currency markup3.5%
Finance charge (p.a.)45%
Fuel surcharge waiver1%, up to ₹250/mo
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)
- Complimentary Priority Pass membership (4 international lounge visits/year, then USD 27/visit)
- 1 RP per ₹100 reward point ≈ ₹0.25 redemption value
- 1% fuel surcharge waiver (₹500–₹4,000, max ₹250/month)
- Add-on cards for family
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 offsets first-year fee
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
Compare with similar cards
- Top reward
- 0.5%
- Annual fee
- ₹4,999
- Welcome bonus
- ₹5,000 value
- Top reward
- 5%
- Annual fee
- ₹999
State Bank of IndiaBPCL SBI Card Octane
- Top reward
- 7.25%
- Annual fee
- ₹1,499
- Welcome bonus
- ₹1,500 value