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SBI Prime Credit Card

The SBI Prime Credit Card is a lifestyle credit card issued by SBI Card. The Prime card carries an annual membership fee of ₹2,999. In many aspects, the card is quite similar to the SBI ELITE Credit Card, which has a membership fee of ₹4,999 and can be regarded as a toned-down version of the same. However, the SBI Prime Card does offer plenty of value-added benefits, such as complimentary domestic and international airport lounge access, discounted hotel bookings, and movie tickets, among others.

In terms of the reward rate, you earn 2 Reward Points for every ₹100 spent with this card and 10 Reward Points for every ₹100 spent on dining, groceries, and department store purchases. With 1 Reward Point valued at ₹0.25, the effective reward rate for the card becomes 2.5% on dining, groceries, and department store categories and 0.5% on all other categories of spending.

The SBI Card Prime, like the ELITE Card, is issued in four variants: Mastercard, RuPay, American Express, and VISA. Although the reward rate and benefits offered by all four variants are more or less the same, the payment networks do provide some exclusive benefits on their respective variants (details will be covered later in this article). Continue reading to learn more about this lifestyle credit card from SBI Card.

SBI Prime Credit Card

( 4.4 / 5 )
SBI Prime Credit Card
  • Joining Fee₹2,999 + GST
  • Annual Fee₹2,999 + GST
  • Best Suited ForTravel, Shopping
  • Reward TypeReward Points

Rewards Rate

10 RPs/₹100 Spent on Dining, Groceries, Movies, and Departmental Stores (Reward Rate ~2.5%). 2 RPs/₹100 for All Other Eligible Spends (Reward Rate ~0.5%)

Welcome Benefits

Voucher Worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons

Movie & Dining

N/A

Rewards Rate

10 RPs/₹100 Spent on Dining, Groceries, Movies, and Departmental Stores (Reward Rate ~2.5%). 2 RPs/₹100 for All Other Eligible Spends (Reward Rate ~0.5%)

Reward Redemption

Redeem RPs for Gift Vouchers, Statement Credit and More. 1 Reward Point = ₹0.25

Travel

Complimentary Club ITC Silver Membership

Domestic Lounge Access

8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)

International Lounge Access

4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)

Golf

Complimentary Golf Rounds and Lessons With Mastercard and RuPay SELECT Variants

Insurance Benefits

Fraud Liability Cover Worth ₹1 Lakh

  • Spend-Based Waiver

    Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year

    Rewards Redemption Fee

    ₹99 + GST

    Foreign Currency Markup

    3.5% + GST

    Interest Rates

    3.75% Per Month (45% Per Annum)

    Fuel Surcharge Waiver

    1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month).

    Cash Advance Charges

    2.5% of the amount withdrawn or Rs. 500 (whichever is higher)

    • Gift voucher (worth ₹3,000) as a welcome benefit upon card issuance.
    • You will earn 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store purchases.
    • For other retail spends, get 2 RPs on every transaction of ₹100.
    • A gift voucher worth ₹7,000 on annual spends of ₹5 lakhs or more.
    • A Pizza Hut e-voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter.
    • 4 complimentary international airport lounge access every year (max 2 per quarter).
    • 8 complimentary domestic airport lounge access every year (max 2 in a quarter).
    • Enjoy exclusive benefits at several luxurious hotels. (only for the Visa variant).
    • 20 Reward points for every spend of ₹100 on birthday (max cap of 2,000 Reward Points on birthday spends).

    Pros

    • This card provides eight complimentary visits to domestic lounges and 4 to international terminals.
    • With the card, you receive an attractive welcome benefit of gift vouchers worth ₹3,000 from popular brands, including Hush Puppies and Bata.

    Cons

    • This card offers a basic reward rate for base categories.

  • SBI Prime Card Reward Rate

    • 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store spending.
    • 2 Reward Points for every ₹100 spent on all other retail spends with the card.
    • 20 Reward Points every time you spend ₹100 on a birthday (Reward Points on Birthday spends (one day before, on the birthday, and one day after the birthday) are capped at 2,000 Reward points per calendar year)

    Reward Points Redemption

    The following are the redemption options for the Reward points earned with the card:

    • Gift vouchers are available on SBI Card or through the SBI mobile app.
    • Settling the card’s outstanding balance.
    • 1 Reward Point = ₹0.25.

    SBI Prime Card Other Benefits and Features

    As discussed earlier, the Prime card offers a range of world-class benefits across various categories, including dining, movies, travel, shopping, golf, and more. In addition to these categories, this card also offers exclusive welcome and milestone benefits. Let’s now understand the benefits and the features of the SBI card prime in detail:

    Welcome Benefits

    Enjoy a shopping/travel gift voucher (worth ₹3,000) from any of these brands- Bata/Hush Puppies, Aditya Birla Fashion, Pantaloons, Yatra, and Shoppers Stop.

    Milestone Benefits

    • Pizza Hut e-voucher worth ₹1,000 on a quarterly expenditure of ₹50,000.
    • E-voucher worth ₹7,000 from Yatra or Pantaloons on an annual expenditure of ₹5 lakh.
    • The membership renewal fee is waived on an annual expenditure of ₹3 lakhs.

    Prime RuPay SELECT Benefits

    Since the SBI Prime Credit Card is now available on the RuPay network, it can be linked to various UPI platforms for easy and convenient payments. Not only can you make payments through the Prime RuPay Select Credit Card via UPI, but you will also be eligible for base reward earnings on those transactions.

    Additionally, cardholders will be eligible for all the benefits offered under RuPay SELECT, including spa vouchers, golf lessons, and complimentary memberships to popular OTT platforms.

    Complimentary Club ITC Silver Membership

    All SBI Prime Credit Card holders who received their cards on or after 1st September 2025 will be eligible for a complimentary Club ITC Silver Membership. This will make them eligible for several discounts and benefits while staying at ITC Hotels. It will also allow them to enjoy additional discounts on dining and food orders when paying with the SBI Prime Credit Card.

    Those who wish to enroll for this membership can do so here.

    Complimentary Club ITC Silver Membership Form

    Free Airport Lounge Access

    • 2 complimentary access to domestic airport lounges (per quarter).
    • 4 complimentary international airport lounge access annually (max 2 per quarter) through Priority Pass membership.

    Golf Benefits

    The following are the golf benefits that you can enjoy with the Mastercard variant:

    • 4 rounds of complimentary green fees.
    • Up to 50% discount on golf games.
    • 1 complimentary golf lesson per month.

    Insurance Benefits

    Fraud liability cover worth ₹1 lakh is applicable from 48 hours prior to 7 days after reporting the loss of the card to the bank.

    SBI Prime Credit Card Benefits

    SBI Card Prime Fees & Charges

    Checking all the fees & charges applicable to a credit card is an essential step to be followed while choosing the right credit card. Different credit cards come with different fee structures, which include annual fees, interest rates, forex markup fees, cash advance charges, and many more. The fees & charges of the SBI Card Prime are as follows:

    • The joining & renewal fee for the SBI Card Prime is ₹2,999 (plus applicable taxes). You can’t get the joining fee waived, but the renewal fee of ₹2,999 can be waived on spending ₹3 lakhs or more in the last year.
    • If the cardholder is unable to settle the outstanding bill before the due date, interest charges of 3.75% per month (45% annually) will be applied to the due amount.
    • The cash advance fee on the SBI Card Prime is 2.5% of the cash amount withdrawn, subject to a minimum of ₹500. This fee is applicable whenever you withdraw cash using SBI Card Prime.
    • The card charges 3.5% of the transaction amount as a foreign currency markup for purchases made in a different currency.

    Pros and Cons of SBI Prime Credit Card

    All the advantages as well as disadvantages of the SBI Prime Credit Card are as follows:

    Advantages

    • The card is suitable for frequent travelers as it offers complimentary domestic as well as international lounge access.
    • The annual fee of ₹2,999 is waived upon achieving the required minimum spend.
    • As the card offers exciting privileges across different lifestyle categories, such as dining, entertainment, golf, etc, it is a great option for those who love to spend on lifestyle-related categories.

    Disadvantages

    • The card might not be a suitable choice for those who are not ready to pay an annual fee of ₹2,999.
    • The basic reward rate (2 RPs on every spend of ₹100) could be better.

    Compare Other Cards To SBI Prime Credit Card

    Category SBI Prime Credit Card SBI Card Elite HDFC Regalia Gold Credit Card
    Annual Fee
    • ₹2,999 + GST
    • ₹4,999 + GST
    • ₹2,500 + GST
    Rewards Rate
    • 2 Reward Points on every spend of ₹100.
    • 5x Reward Points on dining, movies, groceries, and departmental stores.
    • 2 Reward Points on every ₹100 spent.
    • 5x Reward Points on dining, groceries, and departmental stores.
    • 5 Reward Points/₹200 on All Eligible Retail Spends, Including Utilities, Insurance, and Education. 25 Reward Points/₹200 for Myntra, Marks and Spencer, Nykaa, and Reliance Digital Spends
    Reward Redemption
    • 1 Reward Point = Re. 0.25 for redemption against gift vouchers, products, and cashback.
    • 1 Reward Point = Re. 0.25 for redemption against the product catalog and statement balance.
    • 1 RP = Up to ₹0.65
    Additional Benefits
    • Gift vouchers worth up to ₹7,000 every year on achieving the spend milestone.
    • Complimentary domestic and international lounge access
    • Complimentary domestic and international lounge access every year.
    • Up to 2 complimentary movie tickets every month.
    • Complimentary domestic (12 per year) and international lounge (6 per year) access every year.
    • Milestone benefits of over ₹15,000

    Should You Apply for SBI Prime Credit Card?

    The answer to this question depends entirely on your spending behavior and the requirements you expect to be fulfilled with a credit card. The SBI Card Prime is a premium-level card offered by the bank and comes with exciting benefits across almost all categories. From reward points to travel, dining, and golf, you can enjoy exclusive privileges everywhere you use this card. But, all this will be worth it only if you really need all these benefits. The first step is to understand one’s spending habits and identify the categories where the most money is spent. Then, mix and match your requirements and all the features & benefits of this credit card, and check whether it suits your needs or not.

    If these are all the benefits you were looking for, this is the right credit card for you.

    SBI Prime Credit Card Review

    SBI Card Prime can be considered a toned-down version of the SBI ELITE Card. It is suitable for individuals who spend a significant portion of their total monthly expenses on shopping and travel, but want to avoid paying a very high annual membership fee. SBI Card Prime offers decent benefits and reward rates, considering its annual fee of ₹2,999 + GST.

    Please share your views on the SBI Prime card, and if you already use the card, share your experience with it so that others can benefit from it, too.

    FAQs:

    Yes, the cardholder can get a 1% waiver on the fuel surcharge for all fuel transactions between Rs. 500 and Rs. 4,000. Note that the waiver limit is capped at Rs. 250 per month.

    For every international transaction done with the card, the cardholder will face a foreign markup fee of 3.5% on the transaction amount.

    1 Reward Point = ₹0.25 or 4 Reward Points = ₹1

    You get a complimentary Priority Pass membership with the SBI Prime Credit Card. The membership allows you to access over 1,000 domestic and international lounges globally. This card offers 4 complimentary visits using Priority Pass, and beyond that, you have to pay a usage fee of $27 every time you want to access a lounge using Priority Pass.

    The interest rate on the SBI Prime Card is 3.75% per month, i.e, 45% per annum.

    Yes, you can use your SBI Prime Card internationally as well. Ensure that you enable international transactions on your card through internet banking to take advantage of this facility.

    2 comments

    • Vedant Aggarwal

      2 years ago Reply

      Personally, I’m finding the SBI Prime Credit Card pretty good. It offers high rewards, especially 10 points per Rs 100 on groceries, dining, and utility bills. The milestone e-vouchers are a great extra for regular spenders!

      • A

        Kartik Kanwar

        12 months ago Reply

        One thing to keep in mind here is that the accelerated Reward Points are capped at 7,500 RPs per calendar month.

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