SBI Card PRIME
SBI
A lifestyle-focused mid-premium card — strong everyday category rewards plus lounge access for occasional travellers.
₹2,999
Joining fee
₹2,999, waived at ₹3L spend
Annual fee
Both the joining-year and renewal fee waivers use the same Rs 3 lakh annual spend threshold.
3.5%
Forex markup
4.2 / 5
Rating
Eligibility
Estimated minimum income: ₹50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 750+
Estimated — not officially confirmed by the bank.
Age: 21–70
Sources disagree: Age range (21-70) sourced from a Terms & Conditions reference within the aggregator's content, not the page's main body text.
Key features
- 10 reward points/₹100 on dining, groceries, movies and department stores
- Complimentary domestic and international lounge access via Priority Pass
- Complimentary Club Vistara Silver and Trident Privilege Red Tier memberships
- ₹3,000 welcome e-voucher
- Quarterly and annual milestone vouchers
Reward details
2 reward points per Rs 100 on other retail (fuel excluded)
- 20 reward points per Rs 100 on Birthday spends — 2,000 points/year
- 10 reward points per Rs 100 on Dining/movies/groceries/departmental stores — 7,500 points/month
Welcome bonus: Rs 3,000 voucher (choice of brand offered)
- Rs 50,000 quarterly spend: Rs 1,000 Pizza Hut voucher
- Rs 5 lakh annual spend: Rs 7,000 Yatra/Pantaloons voucher
Redemption
Ratio: 4 reward points = Rs 1 (0.25% base value)
Excluded from rewards: fuel
- Previously-offered travel perks (Club Vistara, Trident memberships) have been discontinued
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Excellent value-back for high spenders meeting the Rs 5 lakh yearly threshold — Paisabazaar
- Generous reward points structure across everyday categories — Paisabazaar
Complaints
- Annual fee described as 'quite high' relative to benefits — Paisabazaar
- Low reward redemption value — Paisabazaar
- Previously-offered travel perks (Club Vistara, Trident memberships) have been discontinued — Paisabazaar
Sources
- Official (not independently verified) — not separately fetched/verified in this pass — figures drawn entirely from aggregator
- Aggregator — fees, eligibility, forex, lounge, rewards, sentiment