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Explore cards from India's leading banks.
Last updated: 9 November 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 10 Reward Points per ₹100 spent
Earn 10 Reward Points per ₹100 on Dining, Groceries, Departmental stores, and Movies. Earn 20 Reward Points per ₹100 on your birthday. Earn 2 Reward Points per ₹100 on all other eligible retail spends. Excludes fuel and rent payments.
Redeem for
The privileges that come bundled in, beyond the reward points.
Milestone Vouchers: Get a Pizza Hut e-Voucher worth ₹1,000 on spending ₹50,000 in a calendar quarter. Get a Yatra/Pantaloons e-voucher worth ₹7,000 on achieving annual spends of ₹5 Lakhs
Domestic Lounge Access: 8 complimentary visits per calendar year to domestic airport lounges (maximum 2 visits per quarter)
International Lounge Access: 4 complimentary visits per calendar year to international Priority Pass lounges outside India (maximum 2 visits per quarter)
Annual Fee Waiver: The ₹2,999 + 18% GST renewal fee is waived upon achieving ₹3 Lakhs in annual spends in the preceding card anniversary year
Golf Privileges: 4 complimentary rounds of green fees and 1 complimentary golf lesson per month (available on Mastercard network variants)
An honest read on where this card earns its keep — and where it doesn't.
Excellent 10X rewards on everyday categories like dining and groceries
Welcome voucher of ₹3,000 completely offsets the initial joining fee
Easily achievable annual fee waiver target of ₹3 Lakhs
Strong combination of both domestic and international lounge access
Very low base reward rate (0.5% value) for non-category spends
High foreign currency markup of 3.5% (effective 4.13% with GST) makes it unsuitable for international travel
Reward point value is strictly locked at ₹0.25 per point
Does not earn any rewards on utility bills or fuel
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 SBI 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 SBI Prime Credit Card 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 SBI Prime Credit Card fees, reward conversion, lounge access, and application eligibility.
SBI Prime Credit Card 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-voucher worth ₹3,000 from partner brands like Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons upon payment of the joining fee.".
SBI Prime Credit Card earns Reward Points at a primary rate of Up to 10 Reward Points per ₹100 spent. Specifically, Earn 10 Reward Points per ₹100 on Dining, Groceries, Departmental stores, and Movies. Earn 20 Reward Points per ₹100 on your birthday. Earn 2 Reward Points per ₹100 on all other eligible retail spends. Excludes fuel and rent payments.. Spends in Lifestyle, Rewards, Premium, Travel categories provide the maximum valueback per transaction on this card.
Rewards earned on SBI Prime Credit Card can be redeemed for SBI Card Rewards Catalog (Products & E-vouchers), Statement Cashback (4 Reward Points = ₹1 / 1 RP = ₹0.25) via SBI's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
Yes, SBI Prime Credit Card features complimentary airport lounge privileges. Privileges include: "Domestic Lounge Access: 8 complimentary visits per calendar year to domestic airport lounges (maximum 2 visits per quarter)". 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 SBI Prime Credit Card. 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%.
SBI Prime Credit Card is issued on the Visa or Mastercard or Amex or MasterCard or American Express 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.
SBI Prime Credit Card levies a forex markup fee of 3.5% of the transaction amount + 18% GST (Effective 4.13%) on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
SBI Prime Credit Card currently features a welcome offer: "Welcome e-voucher worth ₹3,000 from partner brands like Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons upon payment of the joining fee.". 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 10X rewards on everyday categories like dining and groceries and Welcome voucher of ₹3. However, keep in mind that Very low base reward rate (0.5% value) for non-category spends and High foreign currency markup of 3.5% (effective 4.13% with GST) makes it unsuitable for international travel. Overall, SBI Prime Credit Card delivers strong value if your regular spending aligns with Lifestyle, Rewards, Premium, Travel.
You can apply for SBI Prime Credit Card directly through SBI'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.
