Rewards and lifestyle
SBI Card PRIME Credit Card
A mid-premium SBI card: 10X points on dining, groceries, department stores and movies, quarterly Pizza Hut vouchers, a ₹7,000 milestone voucher and lounges in India and abroad.
Joining fee₹2,999 + GST
Annual fee₹2,999 + GST
Fee waiverOn ₹3 lakh spend a year
Top reward10X on dining, groceries, movies
Lounge8 domestic + 4 international
Forex markup3.5%
Best for: People spending ₹25,000+ a month on food, groceries and movies who like vouchers.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Dining, groceries, department stores, movies | 10 points per ₹100 (about 2.5%) | 7,500 bonus points a month shared |
| Other spends | 2 points per ₹100 (about 0.5%) | – |
| Fuel, rent, government, wallet loads, gaming, EMI | Nothing | – |
- 1 point = ₹0.25.
- Metro Cash and Carry, Reliance Market and Walmart do not get 10X.
Benefits
Welcome benefit
- About ₹3,000 welcome voucher after paying the joining fee.
Milestones
- ₹1,000 Pizza Hut voucher each quarter you spend ₹50,000.
- ₹7,000 Yatra or Pantaloons voucher on ₹5 lakh yearly spend.
Travel and lounges
- 8 domestic lounge visits a year (2 a quarter).
- 4 international visits a year with Priority Pass.
- Club ITC Silver membership.
Fuel and forex
- Forex markup 3.5%.
- 1% fuel surcharge waiver on ₹500 to ₹4,000, up to ₹250 a cycle.
Other perks
- Air accident cover of ₹50 lakh
- Fraud liability cover of ₹1 lakh
Fees and charges
| Joining fee | ₹2,999 + GST (₹3,539) |
|---|---|
| Annual fee | ₹2,999 + GST, waived on ₹3 lakh yearly spend |
| Interest | 3.75% a month |
| Forex markup | 3.5% |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried, self-employed or student; SBI suggests ₹50,000 to ₹1 lakh a month income
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- Strong vouchers and milestones
- Lounges in India and abroad
- Reasonable fee waiver at ₹3 lakh
Watch out for
- Low base rate
- High forex markup
- Points worth only ₹0.25
Recent changes
- 1 Apr 2026Statement credit redemption capped at 60,000 points a month.
- 1 Nov 20251% fees on third-party education payments and wallet loads over ₹1,000.
Frequently asked questions
SBI Prime or SBI Elite?
Prime costs ₹2,999 and is waived at ₹3 lakh; Elite costs ₹4,999 with bigger milestones and a lower 1.99% forex markup. Prime suits most mid-level spenders.
Ready to apply for the SBI Card PRIME Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.