SBI Card PRIME Review: 2.5% on Dining and Grocery, 12 Lounge Visits

SBI Card PRIME earns 10 Reward Points per ₹100 on dining, departmental stores, grocery and movies, worth 2.5% at 25 paise a point, up to 7,500 points a calendar month, and 0.5% on most other spends. The ₹2,999 plus GST fee brings a ₹3,000 welcome voucher and is waived on ₹3 lakh of yearly spend, and 8 domestic and 4 Priority Pass lounge visits a year come with no spend condition stated.

By Abhishek Kumar · Content Writer Updated 5 November 2026 Reviewed by BankCreds Financial Experts

Key facts

Joining fee: ₹2,999 + GST
Annual fee: ₹2,999 + GST. Renewal fee waived on annual spends of Rs. 3 lakhs (MITC: in the preceding year)
Base reward: 2 Reward Points per Rs. 100 on all other retail spends, except fuel (about 0.5% value)
Best category: Birthday spends: about 5% value
Lounge: Domestic: 8 complimentary domestic airport lounge visits a year (max 2 per quarter); from 10 Jan 2026 only at the lounges in SBI Card's 'Set B' list International: 4 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary
Forex markup: 3.5% of the amount
Network: Visa, Mastercard, American Express, RuPay

Apply on SBI Card's site

Opens the bank's own page for this card. Approval and the credit limit are the bank's decision.

In short

A well-rounded mid-tier card for families who spend ₹25,000 or more a month, especially on dining and groceries, and who will use its vouchers and lounge visits.

Best for

Families spending heavily on groceries, dining and movies, up to ₹75,000 a month in those categories
People who reach ₹3 lakh a year and keep the fee waived
Occasional travellers who want 4 Priority Pass visits abroad

Skip it if

You pay rent, fuel or wallet loads on card, which earn no points
You spend a lot abroad, where the 3.5% markup applies
You want statement credit in small amounts, since redemption is in 4,000-point lots

Highlights

Annual fee ₹2,999 plus GST, waived on ₹3 lakh a year
10 points per ₹100 on dining, departmental, grocery and movies
₹3,000 welcome e-gift voucher after the fee is paid
8 domestic and 4 Priority Pass lounge visits a year
4 points equal ₹1 as statement credit

What SBI Card PRIME is, and who it suits

By fee, PRIME sits between SBI Card's ₹499 SimplySAVE and its ₹4,999 ELITE. It earns 2 Reward Points per ₹100 on retail spends except fuel, and 10 points per ₹100 at restaurants, departmental stores, grocery stores and cinemas. With 4 points worth ₹1 as statement credit, that's 0.5% and 2.5%. The card is active, offered on Visa, Mastercard, American Express and RuPay, and SBI Card is taking application.

It is made for family spender. Weekly groceries, weekend dinners and the odd movie are exactly what it rewards, and the cap is roomy: 7,500 points a month, which takes ₹75,000 of category spend to fill (7,500 divided by 10, times ₹100).

What matters most

Fee against benefits. ₹2,999 plus GST, a ₹3,000 welcome e-gift voucher once the fee is paid, and a waiver on ₹3 lakh of yearly spends.
Vouchers for steady use. A ₹1,000 Pizza Hut e-voucher for each quarter with ₹50,000 of spends, and a ₹7,000 Yatra or Pantaloons e-voucher on ₹5 lakh in a year.
Lounges with no spend bar stated. 8 domestic and 4 Priority Pass visits abroad each year, unlike two of the rivals in the last tab, which ties lounges to spending.

What changed from 2024 to 2026

Reward Points stopped on rent from 1 April 2024, on government transactions from 1 June 2024 and on digital gaming from 1 December 2024.
The complimentary ₹50 lakh air accident cover were discontinued from 15 July 2025.
From 10 January 2026, domestic lounge visits work only at lounges on SBI Card's Set B list.
From 1 April 2026, statement credit is possible only in multiples of 4,000 points, at most 60,000 a month.
Due on 1 December 2026: 1% on transport spends above ₹30,000 and on fuel above ₹50,000 a billing cycle.

PRIME fees and charges

The annual fee is ₹2,999, and the renewal fee from the second year onwards is also ₹2,999, both plus GST. At 18% that adds ₹539.82, so ₹3,538.82 in a year you pay it (₹2,999 plus ₹539.82). Add-on cards are free.

The waiver. SBI Card waives the renewal fee when spends in the preceding year reach ₹3 lakh, which is ₹25,000 a month (₹3,00,000 divided by 12). A family that put groceries, shopping and dining on this one card usually gets there. In year one the ₹3,000 welcome voucher, given after the fee is paid, covers the fee but not the GST.

Interest, late fee and cash

Interest on unsecured SBI cards is 3.75% a month, or 45% a year, since 1 November 2024. Carry ₹30,000 for 30 days and you pay about ₹1,110 (₹30,000 times 45% times 30, divided by 365). The minimum finance charge is ₹25. The interest-free period of 20 to 50 days works only when the last bill was paid in full, and a 3-day grace is given after due date.

The late fee scale is nil up to ₹100, ₹100 for ₹100 to ₹500, ₹500 for ₹500 to ₹1,000, ₹750 up to ₹10,000, ₹950 up to ₹25,000, ₹1,100 up to ₹50,000 and ₹1,300 above that, plus taxes. Miss the minimum due two cycles running and ₹100 more is added every cycle until it's cleared. The lower slabs was revised on 1 May 2026.

Cash advances cost 2.5%, minimum ₹500, with interest from the day of withdrawal and at most ₹15,000 a day at ATMs. Over-limit use costs 2.5%, minimum ₹600, only if you has opted in.

Forex and the special fees

Foreign currency: 3.5% plus GST. The same rate applies as a currency conversion fee on rupee payments of ₹1,000 or more abroad or to merchants registered overseas.
Rent: a flat ₹199 plus taxes per payment. On ₹25,000 of rent that's ₹234.82 with GST (₹199 plus ₹35.82), under 1% of the rent.
Utilities: 1% of the total if utility payments cross ₹50,000 in a billing cycle, since 1 December 2024.
Education through third-party apps such as CRED or MobiKwik, and wallet loads above ₹1,000: 1% each, since 1 November 2025. Paying the school or college directly is free.
From 1 December 2026: 1% on each transport transaction above ₹30,000, and 1% on all fuel spends if they exceed ₹50,000 in a cycle. The 1% fuel surcharge waiver on fills of ₹500 to ₹4,000 still apply, up to ₹250 a month.
Branch cash payment ₹250; cheque payment ₹200; dishonoured payment 2%, minimum ₹500.

PRIME: fees and charges

Joining fee	₹2,999 + GST
Annual or renewal fee	₹2,999 + GST
Annual fee waiver	Renewal fee waived on annual spends of Rs. 3 lakhs (MITC: in the preceding year)
Add-on card fee	Nil
GST	Charged on top of the fees and charges listed
In the bank’s words	Annual Fee: Rs. 2,999 + taxes; Renewal Fee (per annum): Rs. 2,999 + taxes from second year onwards; Add-on Card Fee (per annum): Nil
Interest on unpaid balances	Up to 3.75% a month (45% a year)
Late payment fee	Nil up to Rs.100; Rs.100 (Rs.100-500); Rs.500 (Rs.500-1,000); Rs.750 (Rs.1,000-10,000); Rs.950 (Rs.10,000-25,000); Rs.1,100 (Rs.25,000-50,000); Rs.1,300 (above Rs.50,000) of outstanding amount due; plus Rs.100 additional if MAD is missed two consecutive cycles (continues each cycle until MAD is cleared). Taxes extra.
Cash withdrawal	2.5% of transaction amount, minimum Rs.500, at domestic and international ATMs; finance charges from the date of withdrawal (no free credit period); max Rs.15,000 cash per day at ATMs (MCC 6011), within cash limit.
Over-limit fee	2.5% of overlimit amount, minimum Rs.600, once per billing cycle; only if the cardholder has consented to over-limit use
Forex markup	3.5% of the amount
Other fees	Rent payments (MCC 6513): Rs.199 + taxes processing fee per transaction Utility payments (MCC 4900): 1% of total utility payments if they exceed Rs.50,000 in a billing cycle (since 1 Dec 2024) Education payments via third-party apps (CRED, Cheq, MobiKwik etc.): 1% of amount (since 1 Nov 2025); paying the school or college directly is free Wallet loads (MCC 6540, 6541): 1% of every load above Rs.1,000 (since 1 Nov 2025) Transportation (MCC 4111, 4784, 4131): 1% of every transaction above Rs.30,000 (from 1 Dec 2026) Fuel (MCC 5172, 5541, 5542, 5983): 1% of total fuel spends if they exceed Rs.50,000 in a billing cycle (from 1 Dec 2026) Dynamic currency conversion fee on INR transactions of Rs.1,000 or more at international locations or overseas-registered merchants: same rate as the card's forex markup Cash payment at SBI branch: Rs.250; cheque payment: Rs.200; payment dishonour: 2% of amount, minimum Rs.500 Card replacement: Rs.100 to Rs.250 (Rs.1,500 for AURUM) Reward redemption fee: Rs.99 on physical products, statement credit and physically sent vouchers (not on AURUM) Priority Pass lounge use beyond complimentary visits: up to USD 27 per visit + taxes Minimum finance charge Rs.25; interest-free period 20 to 50 days on retail purchases only if previous balance paid in full; 3-day grace period after due date

How PRIME earns, and what the points are worth

Base earning is 2 Reward Points per ₹100, fuel excluded. The 10-point rate covers dining (MCC 5812, 5813 and 5814), departmental stores (5311), grocery (5411) and movies (7832) up to 7,500 points a calendar month, after which spends go back to 2 points. Departmental and grocery buys at Metro Cash & Carry, Flipkart Wholesale and Walmart doesn't get the 10-point rate.

Two smaller bonuses exist. Birthday spends (the day before, the day and the day after) earn 20 points per ₹100, capped at 2,000 a calendar year, which ₹10,000 fills (2,000 divided by 20, times ₹100). Utility bills on a Standing Instruction set up through SBI Card earn 20 points per ₹100 up to 3,000 a month, but new registrations stopped on 1 April 2021, so only old instructions still qualifies.

No points on fuel, e-wallet loads, rent, government transactions, digital gaming, balance transfers, cash advances, fees and charges. Converting a purchase to EMI forfeits its points.

Value. 4 points pay ₹1 of your bill. Since 1 April 2026 statement credit works only in multiples of 4,000 points (₹1,000), up to 60,000 points a month, and each redemption carries ₹99 plus taxes. A single 4,000-point lot so loses ₹116.82 (₹99 plus 18%), almost 12% of it. Points lapse after 24 months, so redeem in bigger lots, but before they expires.

Vouchers and extras. The ₹3,000 welcome e-gift voucher (Yatra, Hush Puppies or Bata, Pantaloons, Aditya Birla Fashion or Shoppers Stop) must be used within 6 months. There's also a 1-year Club ITC Silver Tier membership.

Per month	Light	Typical	Heavy
Dining, departmental, grocery, movies at 10 per ₹100	₹8,000: 800 points	₹15,000: 1,500 points	₹30,000: 3,000 points
Other retail spends at 2 per ₹100	₹10,000: 200 points	₹20,000: 400 points	₹40,000: 800 points
Fuel, rent and other excluded spends	₹2,000: 0	₹5,000: 0	₹10,000: 0
Points value a year at 25 paise	₹3,000	₹5,700	₹11,400
Vouchers a year	₹4,000	₹4,000	₹11,000
Annual fee from year two	₹3,538.82	Waived	Waived

Light, ₹20,000 a month. 800 plus 200 is 1,000 points a month and 12,000 a year, or ₹3,000 as statement credit in one 12,000-point request. Each quarter has ₹54,000 of eligible spends (₹8,000 plus ₹10,000, times 3), so four Pizza Hut vouchers add ₹4,000. But ₹2,40,000 a year (₹20,000 times 12) misses the ₹3 lakh waiver, so the ₹3,538.82 fee is due from year two. On points alone you are ₹538.82 down (₹3,000 minus ₹3,538.82); with the vouchers, if you actually eat at Pizza Hut, ₹3,461.18 ahead.

Typical, ₹40,000 a month. 1,500 plus 400 makes 1,900 points a month and 22,800 a year, worth ₹5,700. Eligible spends of ₹4,20,000 (₹15,000 plus ₹20,000, times 12) clear the ₹3 lakh waiver but not ₹5 lakh. The Pizza Hut vouchers add ₹4,000, so ₹9,700 a year with no fee. Redeem 20,000 points in one go and carry the other 2,800 forward.

Heavy, ₹80,000 a month. ₹30,000 in the bonus categories is well under the ₹75,000 that fills the cap, so all of it earn 10 points. That's 3,800 points a month, 45,600 a year, or ₹11,400. ₹8,40,000 of eligible spends (₹30,000 plus ₹40,000, times 12) brings the ₹7,000 voucher and four Pizza Hut ones, ₹11,000 together, so ₹22,400 in all, plus the lounge visits.

PRIME: higher-reward categories

Category	Rate	Cap
Dining (MCC 5812, 5813, 5814), departmental stores (5311), grocery (5411), movies (7832)	10 Reward Points per Rs. 100, about 2.5% value	capping of 7500 Reward Points per calendar month; then 2 RP per Rs.100, calendar month
Birthday spends (birthday, a day before and a day after)	20 Reward Points per Rs. 100, about 5% value	Reward Points capped at 2,000 per calendar year; no other accelerated points in the birthday window, ₹2,000, calendar year
Utility bill payments by Standing Instruction registered on SBI Card platforms	20 Reward Points per Rs. 100, about 5% value	capping of 3,000 Reward Points per month; new Autopay registrations on SBI Card platforms discontinued from 1 Apr 2021, only older SIs keep running, ₹3,000, month

PRIME: how rewards work

Earned as	Reward Points
Base rate	2 Reward Points per Rs. 100 on all other retail spends, except fuel. About 0.5% value back
Minimum spend rules	Not published by the bank
No rewards on	Fuel (MCC 5172, 5541, 5542, 5983) e-Wallet loads (MCC 6540, 6541) Rent since 1 Apr 2024 Government transactions since 1 Jun 2024 Digital gaming since 1 Dec 2024 Balance transfer, cash advance, fees and charges EMI conversions (points forfeited)
Lower rewards on	No accelerated points on departmental/grocery spends at Metro Cash & Carry, Flipkart Wholesale and Walmart
Value of a point	Statement credit (pay card bill): 4 Reward Points = Re. 1
Redemption fee	Rs. 99 + taxes on physical products, statement credit and physically sent vouchers (MITC)
Expiry	24 months
Welcome benefits	Welcome e-Gift voucher worth Rs. 3,000 (Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla Fashion, Shoppers Stop) after annual fee is paid; usable within 6 months
Milestone benefits	Pizza Hut e-voucher worth Rs. 1,000 on quarterly spends of Rs. 50,000 e-Gift voucher worth Rs. 7,000 from Yatra.com / Pantaloons on annual spends of Rs. 5 lakh Renewal fee waived on annual spends of Rs. 3 lakh
Lounge access	Domestic: 8 complimentary domestic airport lounge visits a year (max 2 per quarter); from 10 Jan 2026 only at the lounges in SBI Card's 'Set B' list International: 4 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary Condition: No spend condition stated
Fuel surcharge waiver	1% waiver on every transaction between Rs. 500 and Rs. 4,000 at all petrol pumps in India; max Rs. 250 per month, per statement cycle
Insurance cover	Fraud liability cover up to Rs. 1,00,000 (T&C). Complimentary air accident cover of Rs. 50 lakh discontinued from 15 July 2025.

Eligibility and how to apply for PRIME

SBI Card publishes one set of rules for all its cards. Salaried applicants must be at least 21 and self-employed applicants above 25, and retired pensioners above 40 can apply online. The maximum age is the confusing part: SBI Card's page shows 60 in its apply checklist and 70 in its FAQ, so both figures is out there. SBI Card does not publish a minimum income for PRIME or for any other card.

Its card finder do file PRIME under a monthly income of 50 to 99K, but that is a browsing filter, not an eligibility rule. SBI Card also prefers a credit score between 750 and 900, says an SBI banking relationship is not mandatory, and needs your home to be in a location it services.

Documents and ways to apply

PAN card, and Aadhaar with the first 8 digits masked or any valid government address proof, for digital KYC.
Income documents such as salary slips or an income tax return, if SBI Card ask for them.

Apply online on SBI Card's website, through its chatbot ILA, by calling 39 02 02 02 with your city's STD code, or at an SBI branch. If you hold an SBI fixed deposit, a secured version called SBI Card PRIME Advantage is listed at the same ₹2,999, and since 23 September 2026 it can be applied for on SBI's YONO app. SBI Card does not publish the FD amount or the limit it gives against it, and secured cards carry 2.75% a month interest.

How the decision is made

SBI Card is a non-bank issuer, so the RBI's 2025 Directions for NBFC card issuers apply to it.
Issuers must judge your independent means and the limits you already have with other lenders, from your declaration or bureau data.
If SBI Card turns you down, it must tell you the specific reasons in writing. No RBI rule sets a minimum age or income, that is the issuer choice.

RBI's September 2026 table shows 2,31,65,943 credit cards outstanding under State Bank of India; it has no separate row for SBI Card.

PRIME: eligibility and documents

Age (salaried)	21 years or above (minimum). Maximum age stated as 60 years in one place and 70 years in another on SBI Card's listing page
Age (self-employed)	Above 25 years (minimum, for online application)
Income (salaried)	Stable income; SBI Card says the specific minimum varies by card and does not publish it for this card
Income (self-employed)	Stable income; minimum not published for this card
Other conditions	Positive credit history preferred; good credit score, preferably between 750 and 900; SBI banking relationship not mandatory; residence must be in a location serviced by SBI Card; retired pensioners above 40 can apply online. SBI Card's card finder files this card under monthly income '50 to 99K' - a browsing filter, not a stated eligibility minimum.
Documents	PAN card (for digital KYC) Copy of Aadhaar card with first 8 digits masked, or any valid government address proof (for digital KYC) Income documents such as salary slip or income tax return may be required, depending on card eligibility and SBI Card policy
How to apply	Online at sbicard.com (eApply; card pages carry an "Apply Now" link for cards sold online), through the chatbot ILA, by calling the SBI Card helpline 39 02 02 02 (prefix city STD code) or at the nearest SBI branch. Since 23 Sep 2026, SBI fixed-deposit holders can also apply for the secured "Advantage" variants (ELITE, PRIME, SimplyCLICK, SimplySAVE) on SBI's YONO app. Some co-brand cards (PhonePe, Google Pay Flex, Eternal) have no Apply button on sbicard.com.
Card customer care	1860 180 1290 / 1860 500 1290 / 39 02 02 02 (prefix local STD code) / 1800 180 1290 (toll free); AURUM: 1860 500 2000

These are the bank's published conditions. Meeting them does not guarantee a card: approval and the credit limit are the bank's decision.

Pros, cons and who PRIME suits

PRIME rewards ordinary family spending well, because the categories it boosts (groceries, eating out, department stores, movies) are where a household's card money really go. Its 7,500-point cap is wide enough that few families will hit it.

Gains most: a household putting ₹25,000 or more a month on card, enough to keep the fee waived, with a good part on food and groceries. If you also go abroad once or twice a year, 4 Priority Pass visits with no spend condition are a real plus.

Should skip: anybody who puts rent, fuel or wallet loads on a card, since those earns nothing and rent costs ₹199 a go. Frequent foreign spenders should look at a card with a lower markup than 3.5%. And someone spending under ₹20,000 a month pay ₹3,538.82 a year for value they don't recover in points alone.

The trade-offs. The voucher-heavy design suits people who already shop at Yatra, Pantaloons or Pizza Hut; to others a voucher is worth less than its face value. Redemption in 4,000-point lots with a ₹99 fee mean you should batch points and watch the 24-month expiry. The lounge list is also narrower since January 2026, so check your home airport is on Set B before counting on it.

Pros

The 7,500-point monthly cap lets up to ₹75,000 of dining, grocery and movie spend earn 2.5%
A ₹3,000 welcome voucher roughly matches the ₹2,999 fee
Up to ₹4,000 a year in Pizza Hut vouchers on ₹50,000 of spend each quarter
8 domestic and 4 Priority Pass lounge visits a year with no spend condition stated
Fee waived on ₹3 lakh a year, about ₹25,000 a month
Free add-on cards and four networks, including RuPay

Cons

Rent, fuel, wallet loads, government payments and digital gaming earn no points
Statement credit only in 4,000-point lots, with a ₹99 fee each time
The ₹50 lakh air accident cover ended on 15 July 2025
Domestic lounges are limited to SBI Card's Set B list since 10 January 2026
Forex markup of 3.5% plus GST
SBI Card publishes no minimum income

PRIME against three similar cards

Each of these charges ₹2,499 to ₹4,999 a year. The differences is in what they reward and how easily the fee goes away.

SBI Card ELITE

The SBI Card ELITE is PRIME's bigger sibling at ₹4,999 plus GST, waived only on ₹10 lakh a year. It earns the same 10 points per ₹100 on dining, departmental and grocery with a higher 10,000-point monthly cap, and adds milestone points from ₹3 lakh to ₹8 lakh, a ₹5,000 welcome voucher, 6 Priority Pass visits and a 1.99% forex markup.

HDFC Bank Regalia Gold

The Regalia Gold costs ₹2,500 plus GST, waived on ₹4 lakh. It earns 5 points per ₹200 on retail spends, with grocery points capped at 2,000 a month, and its points are worth more on HDFC's travel and catalogue options than as cashback. Forex is 2%, and 3 domestic lounge visits a quarter need ₹60,000 of spends, plus 6 Priority Pass visits abroad. Salaried applicants need gross income above ₹1.5 lakh a month.

BOBCARD Eterna

The BOBCARD Eterna costs ₹2,499 plus GST, waived on ₹2.5 lakh. It earns 15 points per ₹100, 3.75% at 25 paise, on online, international, dining and travel spends up to 5,000 points a cycle, but supermarkets and grocery stores earn nothing. Forex is 2%, and its unlimited domestic lounges need ₹75,000 a quarter.

Who should pick which

PRIME, if groceries and dining lead your spending and you want lounges without a spend target.
ELITE, if you spend well over ₹5 lakh a year and travel abroad, where 1.99% forex helps.
Regalia Gold, if you earn above ₹1.5 lakh a month and redeem for travel.
Eterna, if most of your money go online or on travel and not at the grocery store.

See every SBI Card credit card, SBI customer care, the PRIME vs Axis Select comparison, our comparison guide or all credit cards.

PRIME against similar cards

Term	SBI Card PRIME This card	SBI Card ELITE	Regalia Gold Credit Card	BOBCARD ETERNA
Bank	SBI Card	SBI Card	HDFC Bank	BOBCARD
Joining fee	₹2,999 + GST	₹4,999 + GST	₹2,500 + GST	₹2,499 + GST
Annual fee and waiver	₹2,999 + GST. Renewal fee waived on annual spends of Rs. 3 lakhs (MITC: in the preceding year)	₹4,999 + GST. Renewal fee waived off on annual spends of Rs. 10 lakh or more in the preceding year	₹2,500 + GST. Retail spends of ₹4 lakh within 12 billing cycles of your anniversary year waive the next year's renewal fee	₹2,499 + GST. First-year fee waived on INR 25,000 spends in the first 60 days (else levied in the third statement); annual fee waived on INR 2,50,000 spends in the anniversary year
Base reward	2 Reward Points per Rs. 100 on all other retail spends, except fuel (about 0.5% value)	2 Reward Points per Rs (about 0.5% value)	5 Reward Points for every ₹200 spent on eligible retail spends	3 reward points per INR 100 on other eligible categories (about 0.75% value)
Best category	Birthday spends: about 5% value	Dining, departmental stores and grocery: about 2.5% value	Myntra, Nykaa, Reliance Digital, Marks & Spencer: 5X Reward Points	Online, international, dining and travel: about 3.75% value
Lounges	Domestic: 8 complimentary domestic airport lounge visits a year (max 2 per quarter); from 10 Jan 2026 only at the lounges in SBI Card's 'Set B' list International: 4 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary	Domestic: 2 complimentary domestic airport lounge visits every quarter (8 a year) International: 6 complimentary Priority Pass lounge visits per calendar year outside India (max 2 per quarter); Priority Pass membership complimentary, valid 2 years	Domestic: 3 complimentary domestic lounge visits per calendar quarter, by swiping the card International: Up to 6 visits per calendar year outside India via Priority Pass, for primary and add-on members	Domestic: Unlimited complimentary domestic airport lounge access International: None listed
Forex markup	3.5% of the amount	1.99% of the amount	2% of the amount	2% of the amount
Network	Visa, Mastercard, American Express, RuPay	Visa, Mastercard, American Express	Not stated by the bank	Not stated by the bank
Published minimum income	Stable income; SBI Card says the specific minimum varies by card and does not...	Stable income; SBI Card says the specific minimum varies by card and does not...	₹1,50,000 a month	₹1,00,000 a month
Status	Taking applications	Taking applications	Taking applications	Taking applications

Frequently asked questions

Is the SBI Card PRIME annual fee waived?

The renewal fee is waived if you spent ₹3 lakh or more in the preceding card year, about ₹25,000 a month. The fee is ₹2,999 plus GST, or ₹3,538.82 at 18%. In the first year, a ₹3,000 welcome e-gift voucher arrives after you pay the fee, which offsets almost all of it except the GST.

How much are SBI Card PRIME Reward Points worth?

4 Reward Points are worth ₹1, or 25 paise each, when used to pay your card bill. Since 1 April 2026 statement credit works only in multiples of 4,000 points (₹1,000), up to 60,000 points a month, and each redemption costs ₹99 plus taxes. Points stay valid for 24 months, so a light user should time redemptions carefully.

What are the eligibility rules for SBI Card PRIME?

SBI Card asks salaried applicants to be at least 21 and self-employed applicants above 25. Its own page shows the maximum age as 60 in one place and 70 in another. It publishes no minimum income for any card, prefers a credit score of 750 to 900 and needs you to live where it provides service. Approval is SBI Card's decision.

How many lounge visits does SBI Card PRIME give?

8 complimentary domestic lounge visits a year, at most 2 a quarter, and 4 Priority Pass visits a calendar year outside India, also at most 2 a quarter. No spend condition is stated. Since 10 January 2026 the domestic visits work only at lounges on SBI Card's Set B list, and extra Priority Pass visits cost up to USD 27 plus taxes.

What changed on SBI Card PRIME recently?

Points stopped on rent from 1 April 2024, government payments from 1 June 2024 and digital gaming from 1 December 2024. The ₹50 lakh air accident cover ended on 15 July 2025. Domestic lounges moved to a fixed list on 10 January 2026, and from 1 April 2026 statement credit is in 4,000-point lots. New 1% fuel and transport fees start on 1 December 2026.

Does SBI Card PRIME give extra points on birthdays?

Yes. Spends on your birthday, the day before and the day after earn 20 Reward Points per ₹100, which is 5% at 25 paise. The bonus is capped at 2,000 points a calendar year, so ₹10,000 of birthday-window spending fills it, worth ₹500. No other accelerated points apply in those three days.

Sources

SBI Cards and Payment Services Ltd: Most Important Terms & Conditions (PDF 'MITC- Common-30OCT26', Ver FY 27, 16); SBI Card PRIME T&C booklet; Shop & Smile Program Terms & Conditions (rewards program T&C for all SBI cards); SBI Card PRIME T&C booklet (fraud liability); SBI Card PRIME product page (page content served from SBI Card's card data file); Domestic Airport Lounge Access Program; SBI Card credit card listing (data feed behind the 'Credit Cards' listing page and card finder); SBI Card UPI FAQ; SBI Card credit cards listing page, 'Get ready to apply' checklist (content file /templatedata/common/content-tab); SBI Card credit cards listing page, 'Get ready to apply' checklist

Last verified: 5 November 2026

Written by Abhishek Kumar, reviewed by BankCreds Financial Experts

BankCreds does not sell cards or take applications. Fees and rewards change; the bank's own terms on the day you apply are what count, and approval is the bank's decision.