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Explore cards from India's leading banks.
Last updated: 14 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 10X Reward Points
Earn 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movies. Earn 2 Reward Points per ₹100 on all other retail purchases. 4 Reward Points = ₹1 (Base redemption value is ₹0.25 per point).
Redeem for
The privileges that come bundled in, beyond the reward points.
Annual fee of ₹2,999 is waived on reaching an annual spend of ₹3,00,000
Milestone 1: Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter
Milestone 2: E-Gift Voucher worth ₹7,000 from Yatra or Pantaloons on achieving ₹5 Lakhs annual spend
4 complimentary International airport lounge visits per year (max 2 per quarter) via Priority Pass
8 complimentary Domestic airport lounge visits per year (max 2 per quarter)
Complimentary Trident Privilege Red Tier and Club Vistara Silver membership
An honest read on where this card earns its keep — and where it doesn't.
Excellent welcome benefits (₹3,000 voucher) that fully offset the joining fee
Easily achievable quarterly milestone (₹50k) for a ₹1,000 Pizza Hut voucher
Comprehensive lounge access covering both domestic and international airports
Strong rewards on everyday spending categories like groceries, dining, and movies
High annual fee of ₹2,999 + taxes
Relatively high annual fee waiver target of ₹3 Lakhs
Low base reward rate (0.5%) on non-accelerated spending categories
High foreign transaction fee (3.5%) for a card that offers premium travel perks
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with City Union Bank before you apply.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how City Union Bank SBI Card Prime stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about City Union Bank SBI Card Prime fees, reward conversion, lounge access, and application eligibility.
City Union Bank SBI Card Prime has an annual fee of ₹2,999 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "Welcome e-Gift Voucher worth ₹3,000 from top brands like Bata, Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.".
City Union Bank SBI Card Prime earns Reward Points at a primary rate of Up to 10X Reward Points. Specifically, Earn 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movies. Earn 2 Reward Points per ₹100 on all other retail purchases. 4 Reward Points = ₹1 (Base redemption value is ₹0.25 per point).. Spends in Rewards, Travel, Premium categories provide the maximum valueback per transaction on this card.
Rewards earned on City Union Bank SBI Card Prime can be redeemed for Credit Card Statement Dues, Gift Catalogue (Vouchers & Merchandise), Air Miles via City Union Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, City Union Bank SBI Card Prime features complimentary airport lounge privileges. Privileges include: "4 complimentary International airport lounge visits per year (max 2 per quarter) via Priority Pass". Note that banks frequently require a minimum spend (typically ₹35,000 to ₹50,000) in the previous calendar quarter to unlock complimentary lounge access.
A CIBIL credit score of 720 or above is strongly recommended for approval of City Union Bank SBI Card Prime. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
City Union Bank SBI Card Prime is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
City Union Bank SBI Card Prime levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
City Union Bank SBI Card Prime currently features a welcome offer: "Welcome e-Gift Voucher worth ₹3,000 from top brands like Bata, Hush Puppies, Pantaloons, Shoppers Stop, or Yatra.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent welcome benefits (₹3 and 000 voucher) that fully offset the joining fee. However, keep in mind that High annual fee of ₹2 and 999 + taxes. Overall, City Union Bank SBI Card Prime delivers strong value if your regular spending aligns with Rewards, Travel, Premium.
You can apply for City Union Bank SBI Card Prime directly through City Union Bank's official website or digital portal. Essential documents include your PAN card, Aadhaar card for video KYC, proof of address, and recent income documentation (3 months' salary slips or latest ITR with computation). Decisions are typically communicated within 2 to 4 working days.
