SBI Card PRIME
SBI Card · Visa · Premium card
Adds a high-spend lifestyle case that combines movies, dining, groceries, travel vouchers and lounge access, with a fee waiver below its largest annual milestone.
Higher-spend households that regularly use movies, dining and groceries and can reach ₹5 lakh of eligible annual spend.
Terms checked 13 Sept 2026
- Annual fee
- ₹2,999 + GST
- Joining fee
- ₹2,999 + GST
- Base reward rate
- 0.5%
- Forex markup
- 3.5%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Groceries & essentials | 2.5% |
| Dining & delivery | 2.5% |
| Entertainment & movies | 2.5% |
| Online shopping | 0.5% |
| Travel & hotels | 0.5% |
| Bills & utilities | 0.5% |
| Beauty & wellness | 0.5% |
| Education & family | 0.5% |
| Healthcare & pharmacy | 0.5% |
| Subscriptions & streaming | 0.5% |
| Offline store shopping | 0.5% |
| International spending | 0.5% |
| Insurance premiums | 0.5% |
| Other miscellaneous | 0.5% |
| Gold & jewellery | 0.5% |
| Fuel & commute | 0% |
| House rent | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- At ₹3,00,000 annual spending
- Monthly income requirement
- Not listed
Airport lounge access
8 domestic airport lounge visits per year • 4 international airport lounge visits per year
2 domestic airport lounge visits per quarter · Issuer card
Guest access: Not specified
4 international airport lounge visits per year · Priority Pass
Guest access: Chargeable
Maximum two complimentary international visits per calendar quarter.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 8 items
Named PRIME partner bonus
Usage-based valueThirteen incremental points plus the two-point base produce 15 points per ₹100 at BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar.
Conditions: Thirteen incremental points plus the two-point base produce 15 points per ₹100 at BigBasket, Reliance Fresh, Reliance Smart, Reliance Footprint, Reliance Trends and Sahakari Bhandar.
Utility standing-instruction bonus
Usage-based valueEighteen incremental points plus the two-point base produce 20 points per ₹100 on eligible utility standing instructions.
Conditions: Eighteen incremental points plus the two-point base produce 20 points per ₹100 on eligible utility standing instructions.
Dining, grocery and movie bonus
Usage-based valueEight incremental points plus the two-point base produce 10 points per ₹100 on eligible dining, grocery and movie purchases.
Department-store bonus
Usage-based valueEight incremental points plus the two-point base produce 10 points per ₹100 at eligible departmental stores.
Conditions: Eight incremental points plus the two-point base produce 10 points per ₹100 at eligible departmental stores.
Birthday-window bonus
Usage-based valueEighteen incremental points plus the two-point base produce 20 points per ₹100 on the birthday, previous day and following day.
Conditions: Eighteen incremental points plus the two-point base produce 20 points per ₹100 on the birthday, previous day and following day.
Base reward points
Usage-based valueTwo reward points per ₹100 on eligible retail purchases; base points continue after an accelerator cap is reached.
Birthday earn of 20 points per ₹100 during the three-day birthday window, capped at 2,000 total points yearly
Shown without a cash value10 points per ₹100 on dining, grocery and movies; 15 at named partners and 20 on utility standing instructions
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹2,999₹2,999 annual fee before applicable tax.
Joining fee
Cost ₹2,999₹2,999 one-time joining fee before applicable tax.
Fee waiver · 2 items
Annual fee waiver
Usage-based · up to ₹2,999Annual fee may be waived after ₹3,00,000 of eligible annual spending.
Conditions: Reach ₹3,00,000 eligible annual spending
₹3 lakh eligible annual spend waives the renewal fee
Shown without a cash value
Welcome benefits · 1 item
₹3,000 welcome e-gift voucher
Recorded value ₹3,000Choice from the eligible lifestyle and travel voucher brands.
Conditions: Pay the applicable joining fee · Claim within the issuer fulfilment window
Spend milestones · 2 items
₹1,000 Pizza Hut voucher at ₹50,000 quarterly spend
Recorded value ₹1,000Unlocked after ₹50,000 of eligible spending.
Conditions: Reach ₹50,000 per calendar quarter
Exclusions: fuelCommute · rent
₹7,000 Yatra or Pantaloons voucher at ₹5 lakh
Recorded value ₹7,000Unlocked after ₹5,00,000 of eligible spending.
Conditions: Reach ₹5,00,000 per card anniversary year
Exclusions: fuelCommute · rent
Card tiers · 1 item
Trident Privilege Red Tier membership and its partner benefits
Shown without a cash value
Airport lounge access · 2 items
Domestic lounge access
Usage-based value2 visits per quarter through Issuer card. Guest access: not specified.
International lounge access
Usage-based value4 visits per year through Priority Pass. Guest access: chargeable. Maximum two complimentary international visits per calendar quarter.
Golf · 1 item
Four complimentary golf green-fee rounds and network golf discounts
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹400-₹5,000 transactions, capped at ₹250 per month
Shown without a cash value
Memberships · 1 item
Trident Privilege Red Tier membership and its partner benefits
Shown without a cash value
Foreign-currency charges · 1 item
Foreign-currency markup
Usage-based value3.5% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. SBI Card does not publish a universal numeric income threshold for PRIME.
Other categories (6)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Movies and entertainment
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Travel privileges
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗Insurance and protection
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Other benefits
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source 1 ↗Official source 2 ↗Official source 3 ↗
What stands out
- ✓ 10 points per ₹100 on dining, grocery and movies; 15 at named partners and 20 on utility standing instructions
- ✓ Quarterly ₹1,000 Pizza Hut voucher plus ₹7,000 annual voucher at ₹5 lakh
- ✓ Eight domestic and four international airport lounge visits yearly
- ✓ ₹3 lakh eligible annual spend waives the renewal fee
What to watch
Four points equal ₹1 and redemption requests can attract a fee. Accelerated lifestyle points are capped monthly; government, gaming, fuel, rent and several financial transactions earn no points.
Recorded exclusions
Fuel Commute · Rent · Wallet load · Government payments · Online gaming · Cash withdrawal · Balance transfer · Encash · Emi · Fees charges
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
Affiliate disclosure: Affiliate link · GainFair may earn a commission if you complete a qualifying action. You pay nothing extra, and compensation never affects recommendations or rankings. Read the full disclosure.
Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Value reduced
Air-accident cover discontinued
SBI Card discontinued the former complimentary air-accident insurance benefit.
- Before
- The card included ₹50 lakh air-accident cover.
- After
- The air-accident cover is no longer part of the current PRIME benefits.
Checked 22 Sept 2026SBI Card insurance benefit notice ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 15 Jul 2025