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Explore cards from India's leading banks.
Last updated: 19 September 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
2 points per ₹100 spent
Reward points accrue on eligible spends. Points can be redeemed for statement credit, gift vouchers, or air miles. 1 point = ₹0.10 typical value.
The privileges that come bundled in, beyond the reward points.
Complimentary domestic and international lounge access (8 visits/year)
₹3,000 welcome gift voucher
Accelerated reward points on select spends
Fuel surcharge waiver
An honest read on where this card earns its keep — and where it doesn't.
Complimentary lounge access
High welcome benefit value
Solid base reward rate
Annual fee of ₹2,999
Standard reward rate on non-select spends
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 the issuer 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 Karnataka 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 Karnataka Bank SBI Card PRIME fees, reward conversion, lounge access, and application eligibility.
Karnataka 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 "Gift voucher worth ₹3,000 on card activation".
Karnataka Bank SBI Card PRIME earns Points at a primary rate of 2 points per ₹100 spent. Specifically, Reward points accrue on eligible spends. Points can be redeemed for statement credit, gift vouchers, or air miles. 1 point = ₹0.10 typical value.. Spends in Travel, Lifestyle, Shopping, Fuel categories provide the maximum valueback per transaction on this card.
Yes, Karnataka Bank SBI Card PRIME features complimentary airport lounge privileges. Privileges include: "Complimentary domestic and international lounge access (8 visits/year)". 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 750 or above is strongly recommended for approval of Karnataka 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%.
Karnataka Bank SBI Card PRIME is issued on the Visa 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.
Karnataka 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.
Karnataka Bank SBI Card PRIME currently features a welcome offer: "Gift voucher worth ₹3,000 on card activation". 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 Complimentary lounge access and High welcome benefit value. However, keep in mind that Annual fee of ₹2,999 and Standard reward rate on non-select spends. Overall, Karnataka Bank SBI Card PRIME delivers strong value if your regular spending aligns with Travel, Lifestyle, Shopping, Fuel.
Yes, Karnataka Bank SBI Card PRIME includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (Fuel surcharge waiver). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
You can apply for Karnataka Bank SBI Card PRIME directly through karnataka-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.
