SBI Card PRIME
SBI Card · Open to apply
A premium rewards card: 2 points per ₹100 everywhere except fuel, 10 points per ₹100 on dining, groceries, departmental stores 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.
- 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 23 Oct 2026
Main earn rates
- 10 points per ₹100 on dining, 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 cash advances and ATM withdrawals
- No points on EMI conversions (Flexipay, Merchant EMI)
- 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)
Where the sources disagree
- Air accident cover: The notice of 15 Jul 2025 says the ₹50 lakh air accident cover is discontinued; the product page still lists "Complimentary air accident liability cover of Rs. 50 lakhs", while the Oct 2026 T&C booklet has no such cover. We treat the notice as current.
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.
Sources
- SBI Card Shop & Smile rewards programme T&C (accrual caps by card, exclusions, redemption; PDF modified 23 Sep 2026) (Reward terms, the bank's own, read 20 Oct 2026)
- SBI Card Key Fact Statement (file dated 26 Aug 2026) (Schedule of charges, the bank's own, read 20 Oct 2026)
- SBI Card Most Important Terms and Conditions, common MITC (index date 2026-09-14) (Most important terms (MITC), the bank's own, read 20 Oct 2026)
- SBI Card PRIME brochure, code SI09052020 (May 2020, stale) (Product page, the bank's own, read 20 Oct 2026)
- SBI Card customer notices page (15 Jul 2025 air accident notice; 29 Mar 2026 redemption and late-fee notices) (Bank notice, the bank's own, read 20 Oct 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 20 Oct 2026)
- SBI Card apply page, eligibility (Product page, the bank's own, read 20 Oct 2026)
- SBI Card PRIME product-page data file (fees, rates, lounge, vouchers, memberships, network privileges) (Product page, the bank's own, read 20 Oct 2026)
- SBI Card list of credit cards where reward points do not apply on rent payments from 1 Apr 2024 (linked from the customer notices page) (Bank notice, the bank's own, read 23 Oct 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 23 Oct 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 23 Oct 2026)
- SBI Card PRIME Terms and Conditions booklet (PDF created 8 Oct 2026) (Reward terms, the bank's own, read 20 Oct 2026)