SBI Card PRIME review
Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. Verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026 · confirm before applying
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At a glance
SBI Card · Visa / Mastercard / RuPay / American Express
10 Reward Points per ₹100 on dining, groceries, movies and departmental stores (1 RP = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher.
- Annual fee
- ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)
- Reward rate
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month)
- Lifetime-free
- No
- Network
- Visa / Mastercard / RuPay / American Express
- Eligibility
- Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx)
Why it stands out
- 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 elsewhere (1 RP = ₹0.25)
- 8 complimentary domestic + 4 international Priority Pass lounge visits/year (capped 2/quarter each)
- Milestone vouchers: ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend + ₹7,000 Yatra/Pantaloons voucher on ₹5L annual spend
Good to know
- It isn't lifetime-free — the annual fee (₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend)) applies unless you meet the spend-based waiver.
- Accelerated rewards are usually capped — check the monthly/quarterly caps in the reward rate above before counting on them.
- Issuers revise card terms often, so confirm the current fees, rewards and eligibility on SBI Card's official page before applying.
How it compares
See it ranked against similar cards in our best travel & lounge credit cards and best cashback credit cards roundup.
SBI Card PRIME — FAQs
No. The SBI Card PRIME carries a fee — ₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend). That fee is typically refunded only if you meet a spend threshold, so it's a spend-based waiver rather than a genuine lifetime-free card.
₹2,999 + GST joining and ₹2,999 + GST annual/renewal (renewal fee waived on ₹3 lakh annual spend). Fees are dated as of June 2026 and can change — check the current schedule of charges on SBI Card's official page before applying.
10 Reward Points per ₹100 on dining, groceries, movies and departmental stores (1 RP = ₹0.25, so ~2.5% value) plus ₹3,000 welcome voucher. In detail: 10 RP/₹100 on dining, groceries, movies and departmental stores; 2 RP/₹100 on all other spends; 1 RP = ₹0.25 (accelerated points reportedly capped ~7,500 RP/month). Reward values and caps are indicative and set by the issuer.
Mid-to-high spenders who put ₹3L+/year through one card and want lounge access plus strong dining/grocery rewards and milestone vouchers. Eligibility is broadly Age approx 18-80 years; income criteria not officially published (aggregator-sourced, approx). It's not advice — pick a card that fits your own spending and confirm you qualify on the issuer's page.
This is an informational review, not financial advice or a recommendation to apply. Card terms change often — confirm current fees, reward rates and eligibility on SBI Card's official page before applying. Using credit responsibly and paying your bill in full avoids interest.