Central Bank of India SBI Card PRIME
SBI Card · Discontinued
Closed Central Bank of India variant of SBI Card PRIME: ₹2,999 fee (waived at ₹3 lakh a year), 2 points per ₹100 everywhere except fuel and 10 points per ₹100 on dining, departmental stores, groceries and movies (up to 7,500 points a month), a ₹3,000 welcome voucher, quarterly and annual spend vouchers, eight domestic and four Priority Pass lounge visits a year. Issuance stopped on 26 Jul 2025.
- Annual fee
- ₹2,999 + GST a year
- Joining fee
- ₹2,999 + GST
- Fee waiver
- Annual fee waived on ₹3,00,000 spend per card year
- Base rate
- 2 points per ₹100 on all other retail spends: 2 SBI Card Reward Points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 8 visits a calendar year; International: 4 visits a calendar year
- Forex markup
- 3.5%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- 10 points per ₹100 on dining, departmental stores, groceries and movies: 10 SBI Card Reward Points per ₹100 (about 2.5% at cash value)
Earns nothing on
- No points at petrol pumps and service stations (MCCs 5172, 5541, 5542, 5983)
- No points on wallet loads (MCCs 6540, 6541)
- No points on rent (MCC 6513)
- No points on government-related transactions (MCCs 9399, 9311)
- No points on digital gaming platforms (MCCs 5816, 7993, 7994)
- No points on cash advances and balance transfers
Where the sources disagree
- Status of existing cards: The notice says issuance was discontinued on 26 Jul 2025; the FAQ says existing cards stay active until holders get a new SBI Credit Card. We record the programme's end as `discontinued` because the issuer says the card is replaced, with the replacement dates unstated.
Terms the calculator does not value
- Birthday bonus: 20 points per ₹100 on the birthday, the day before and the day after, capped at 2,000 points a year, with no other accelerated points in that window.
- 20 points per ₹100 on utility bills paid by standing instruction, up to 3,000 points a month. It applies only to registrations made on or before 31 Mar 2021 (new ones stopped on 1 Apr 2021).
- Points for the Metro Cash & Carry, Flipkart Wholesale and Walmart exclusion from accelerated grocery points (Shop & Smile T&C) apply to this card's variants too, but only Flipkart Wholesale has a merchant file.
Sources
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Most Important Terms and Conditions, common MITC (index date 14 Sep 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card customer notices page (26 Jul 2025 issuance notice, 11 Aug 2025 insurance notice, 1 Jul 2020 wallet notice, 29 Mar 2026 redemption notice) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card FAQ, Central Bank of India SBI Card Program discontinuation (FAQ, the bank's own, read 6 Nov 2026)
- Central Bank of India SBI Card Prime product-page data file (fees, rates, vouchers, lounge, memberships) (Product page, the bank's own, read 6 Nov 2026)
- Central Bank of India SBI Card PRIME Terms & Conditions booklet (reward points, caps, welcome gift, Priority Pass) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on government-related transactions (Apr 2024 list, effective 1 Jun 2024) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card list of credit cards where reward points do not apply on digital gaming platforms from 1 Dec 2024 (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (exclusions, cap rules for banking co-brand variants) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program, lounge list w.e.f. 10 Jan 2026 (Set A and Set B eligible cards) (Bank notice, the bank's own, read 6 Nov 2026)