SBI Prime credit card

SBI Prime

SBI Card · Visa

SBI Prime is a mid-range card with good rewards on dining and travel, plus domestic lounge access.

Annual Fee

₹2,999

Joining Fee

₹2,999

Base Reward Rate

2X

₹0.25/pt

Min CIBIL

700

₹6L+ income

Key Features

Mid-premium card with 10X rewards on top categories
10X reward points on dining, movies, grocery and departmental stores
2X on all other spends
8 complimentary domestic lounge visits per year (2/quarter)
4 international lounge visits via Priority Pass annually
Complimentary Club Vistara / Air India Silver membership
Welcome e-gift vouchers worth ₹3,000
Comprehensive travel insurance

Welcome Benefits

✓

₹3,000 E-Gift Voucher on Joining

Receive ₹3,000 in e-gift vouchers from Yatra, Pantaloons or Hush Puppies on joining

✓

Club Vistara / Air India Silver Membership

Complimentary Silver tier status with priority check-in and extra baggage allowance on flights

Reward Rates by Category

Dining

4X

Travel

4X

Online

4X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
DiningDining10X
GroceryGrocery10X
MoviesEntertainment10X
Departmental StoresRetail10X

Milestone Benefits

₹2.0 L

₹2,000 E-Gift Voucher

Earn ₹2,000 e-gift voucher on spending ₹2 lakhs annually

Annual

₹5.0 L

₹5,000 E-Gift Voucher

Earn ₹5,000 e-gift voucher on crossing ₹5 lakh annual spend

Annual

Airport Lounge Access

Domestic

4 visits/year

International

0 visits/year

Insurance & Protection

Air Accident Cover

When travel booked on card

₹50 Lakhs

Overseas Medical Insurance

Emergency medical on international travel

USD 50,000

Baggage & Trip Cover

Baggage loss, delay and trip cancellation

Comprehensive

Zero Liability

Report loss promptly

100% fraudulent charges

Pros

  • 4X rewards on dining and travel
  • 4 domestic lounge visits/year
  • Fuel surcharge waiver
  • Movie ticket offers
  • Trident hotel discount

Cons

  • No international lounge
  • Annual fee not waivable
  • Mid-range income requirement

Redemption Options

Shopping vouchers

Standard₹0.25/pt

Statement credit

Low₹0.2/pt

Frequently Asked Questions

What earn rate on top categories?+
10X reward points on dining, movies, grocery and departmental stores. 2X on all other spends.
Lounge access?+
8 domestic lounge visits per year (2 per quarter) and 4 international visits via Priority Pass.
What airline status?+
Complimentary Club Vistara / Air India Silver with priority check-in and extra baggage on eligible flights.
Annual fee?+
₹2,999. Partially offset by welcome vouchers and milestone benefits.
How does reward redemption work?+
Redeem via SBI Card's rewards portal for vouchers, merchandise, flights, hotel bookings or statement credit. 1 point = ₹0.25 approx.

Ready to apply?

Apply on the SBI Card website. Usually takes 10 minutes.

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SBI Prime

₹2,999/yr · 2X rewards