KVB SBI Card PRIME
SBI Card · Open to apply
A Karur Vysya Bank (KVB) co-brand version of SBI Card PRIME: 2 points per ₹100 everywhere except fuel, 10 points per ₹100 on dining, groceries and movies up to 7,500 points a month, a ₹3,000 welcome voucher, eight domestic and four Priority Pass lounge visits a year, and quarterly and annual spend vouchers. Points are worth ₹0.25 each.
- 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, prepaid card purchases and account funding (MCCs 6540, 6541)
- No points on cash advances and ATM withdrawals
- No points on EMI conversions (Flexipay, Merchant EMI, Convert2EMI)
Where the sources disagree
- Movies in the accelerated categories: The product page lists 10 points on 'dining, departmental stores and grocery spends'; the T&C booklet (11.3) and Shop & Smile Table No. 2 lists movies (MCC 7832) as well. We include movies.
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 calendar 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 standing instructions registered on SBI Card platforms by 31 Mar 2021 (new registrations stopped on 1 Apr 2021), so a new cardholder cannot get it.
- The accelerated rate does not apply at Metro Cash & Carry and Walmart either (Flipkart Wholesale is the rule wholesale-no-accelerated); neither has a merchant file.
- SBI Card's lists of cards that earn no points on rent payments, government-related transactions, digital gaming platforms (dated 2024) do not name KVB SBI Card PRIME, and the Shop & Smile T&C says only that its exclusion lists are attached per card. These spends are therefore not excluded here; if SBI Card applies the exclusions to this card too, its value on those spends is lower.
Sources
- KVB SBI Card PRIME product-page data file (fees, rates, caps, vouchers, lounges, FAQs) (Product page, the bank's own, read 6 Nov 2026)
- KVB SBI Card PRIME Terms & Conditions booklet (PDF modified 2 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card Shop & Smile rewards programme T&C (accrual and capping by card, exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 6 Nov 2026)
- SBI Card common MITC (fee table of the banking-partnership cards, foreign currency fee; PDF modified 30 Oct 2026) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- SBI Card Key Fact Statement (PDF modified 14 Oct 2026) (Schedule of charges, the bank's own, read 6 Nov 2026)
- SBI Card Important Notices page (notices of 22 Feb 2021, 1 Mar 2022, 11 Aug 2025 air accident cover and 29 Mar 2026 statement-credit redemption) (Bank notice, the bank's own, read 6 Nov 2026)
- SBI Card Domestic Airport Lounge Access Program notice, w.e.f. 10 Jan 2026 (Set A and Set B) (Bank notice, 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 (linked from the notices page) (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 from 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 detailed terms of the Club ITC Silver membership and ITC Hotels offers (linked from the product pages) (Reward terms, the bank's own, read 6 Nov 2026)