SBI Prime Credit Card

Annual Fee Rs 2,999 + GST (Waived on Rs 3 Lakh annual spend)

Reward Rate 10X (2.5%) on dining, groceries, movies, departmental stores; 20X (5%) on utility bills via standing instructions; 2 RP/Rs100 base

Lounge Access 2 domestic lounge visits/quarter (8/year); 4 Priority Pass international visits/year

SBI

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SBI Prime Credit Card Visa

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Community Consensus

Consensus Note: SBI Prime Credit Card issued by SBI Card remains a flagship choice for Mid-tier spenders who want solid all-rounder benefits with lounge access. Verified user discussions highlight strong yields on spending thresholds.

At-A-Glance Quick Facts

payments Annual Membership Fee

stars Base Reward Return Rate

flight_takeoff Airport Lounge Privilege

account_balance_wallet Min Monthly Income

₹25,000 / month

speed Recommended CIBIL Score

750+

8.4 / 10

AI Verdict CredSutra Engine

Synthesized objective algorithmic score

Confidence: 95%

The SBI Prime Credit Card issued by SBI Card offers competitive value for Mid-tier spenders who want solid all-rounder benefits with lounge access. Audit your monthly spending against its Rs 2,999 + GST (Waived on Rs 3 Lakh annual spend) fee structure.

Key Trade-offs & Considerations

⚡ Annual fee of Rs 2,999 + GST (Waived on Rs 3 Lakh annual spend)
⚡ Lounge access policy: 2 domestic lounge visits/quarter (8/year); 4 Priority Pass international visits/year
⚡ Reward rate: 10X (2.5%) on dining, groceries, movies, departmental stores; 20X (5%) on utility bills via standing instructions; 2 RP/Rs100 base

Key Benefits & Characteristics

stars

Category Rewards Multiplier Matrix

1 RP ≈ ₹0.25 to ₹1.00

Spend Category	Earning Multiplier / Return Rate
flight Travel & Flights	2% to 5% points
shopping_cart Online Shopping & SaaS	1% to 5% cashback
storefront Offline Retail Stores	1% reward points
account_balance Government & Tax Pay	0.5% (Caps apply)
house Rent & Wallet Loads	Excluded / 1% surcharge

receipt_long Fee & Surcharge Breakdown

badge Joining Fee

event_repeat Annual Fee

Rs 2,999 + GST (Waived on Rs 3 Lakh annual spend)

savings Fee Waiver Threshold

N/A

currency_exchange Forex Markup

3.5% + GST

warning Late Payment Fee

Up to ₹1,300

Detailed Analysis & Review

Deep-Dive Review: SBI Prime Credit Card

Community Verdict

[!NOTE] Our Take: The SBI Prime Credit Card is one of the best mid-tier all-rounders in the SBI portfolio. With 10X rewards (2.5% return) on dining, groceries, movies, and departmental stores — plus a standout 20X (5% return) on utility bills via standing instructions — it rewards consistent everyday spending. The ₹3 Lakh fee waiver threshold is achievable, and the ₹3,000 welcome voucher, quarterly Pizza Hut vouchers, and ₹7,000 annual Yatra milestone make it a strong value proposition at its price point. The addition of Club ITC Silver Membership (for cards sourced after Sep 2025) and golf benefits on Mastercard/RuPay variants sweetens an already compelling package.

Pros

10X on Everyday Categories: Earn 2.5% return (10 RP per ₹100) on dining, groceries, departmental stores, and movies — among the best mid-tier earning rates available.
20X on Utility Bills via Standing Instructions: Earn 5% return (20 RP per ₹100) on utility bill payments via standing instructions, capped at 3,000 RP per month — excellent for regular bill payers.
Lounge Access: 2 complimentary domestic airport lounge visits per quarter (8/year) + 4 Priority Pass international visits per year.
Birthday Bonus: 20 RP per ₹100 on birthday spends (1 day before, birthday, 1 day after), capped at 2,000 RP per calendar year — easy extra value.
Welcome Voucher: e-Gift Voucher worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, or Pantaloons on payment of joining fee.
Annual Milestone Vouchers: ₹1,000 Pizza Hut e-Voucher every quarter on ₹50,000 spend (₹4,000/year). ₹7,000 Yatra/Pantaloons e-Gift Voucher on ₹5 Lakh annual spend.
Fee Waiver: Annual fee of ₹2,999 reversed on ₹3 Lakh annual spend (rent, fuel, wallet loads excluded).
Club ITC Silver Membership: For cards sourced on/after September 1, 2025 — dining and stay discounts at ITC Hotels, activation required.
Golf Benefits (Mastercard/RuPay SELECT): 4 complimentary green fee rounds, up to 50% off on golf games, 1 complimentary golf lesson per month.
Premium Support: 24/7 concierge service and dedicated phone helpline.
Fuel Surcharge Waiver: 1% waiver on fuel transactions between ₹500–₹4,000 (max ₹250/month).

Cons

Low Base Earning: Non-accelerated categories earn only 2 RP per ₹100 (0.50%) — a sharp drop-off from the 2.5% accelerated categories.
Utility Points Capped: The 20X utility bill benefit caps at 3,000 RP per month — beyond that, earning falls to base rate.
Limited International Lounge: Only 4 Priority Pass visits per year — fewer than competitors offering unlimited international lounge access.
Spend Exclusions for Waiver: Rent, fuel, and wallet loads do not count toward the ₹3 Lakh annual fee waiver spend threshold.
Reward Redemption Fee: ₹99 charged per redemption transaction.
SBI Aurum Upgrade Path Unclear: The documented upgrade target (SBI Aurum) may be discontinued as of July 2026.
No Airline Transfer Partners: Cannot transfer points to airlines — limits redemption flexibility compared to some competitors.

Reward Spends & Categories

Category Spend	Earning Rate / Reward Points
🍽️ Dining (Restaurants)	10 RP per ₹100 (2.5% return)
🛒 Grocery / Supermarket	10 RP per ₹100 (2.5% return)
🎬 Movies & Entertainment	10 RP per ₹100 (2.5% return)
🏬 Departmental Stores	10 RP per ₹100 (2.5% return)
⚡ Utility Bills (Standing Instructions)	20 RP per ₹100 (5% return, capped 3,000 RP/month)
🎂 Birthday Spends	20 RP per ₹100 (capped at 2,000 RP per calendar year)
✈️ Flights & Hotels	2 RP per ₹100 (0.50% return)
🛍️ Online Shopping	2 RP per ₹100 (0.50% return)
🛒 Other Retail / Offline	2 RP per ₹100 (0.50% return)
🏛️ Government Spends	0% (Excluded)
🏠 Rent Transactions	0% (Excluded)
💳 Wallet Loads	0% (Excluded)
⛽ Fuel Transactions	0% (Surcharge waiver applies, no points earned)

Reward Point Redemption Value

Statement Credit: Value of 1 Point = ₹0.25 (4 RP = Re. 1, minimum 2,000 RP, ₹99 fee per redemption)
Gift Vouchers: Value of 1 Point = ₹0.25 (best value on Yatra, Shoppers Stop, Pantaloons)
Airmiles: Not available

Airport Lounge & Travel Perks

[!IMPORTANT]

Domestic Airport Lounges: 2 complimentary visits per quarter (8 per year) via the SBI/DreamFolks domestic lounge program. No minimum spend currently required.

International Airport Lounges (Priority Pass): 4 complimentary visits per year at Priority Pass-affiliated international lounges (max 2 per quarter).

Golf (Mastercard/RuPay SELECT variants): 4 complimentary green fee rounds, up to 50% off on golf games, 1 complimentary golf lesson per month at select Indian golf courses.

Club ITC Silver Membership (Sep 2025+ cards): Activation required. Discounts on dining and hotel stays at ITC Hotels.

Annual Milestone Benefits

Spend Threshold	Benefit	Frequency
Joining (on fee payment)	e-Gift Voucher worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, Pantaloons	One-time
₹50,000/quarter	Pizza Hut e-Voucher worth ₹1,000	Quarterly
₹3,00,000/year	Renewal fee waiver of ₹2,999	Annual
₹5,00,000/year	Yatra or Pantaloons e-Gift Voucher worth ₹7,000	Annual

[!TIP] Maximize Your Milestones: At ₹50,000/quarter for Pizza Hut (₹4,000/year) + ₹5 Lakh for ₹7,000 Yatra voucher + ₹3 Lakh fee waiver, a ₹5 Lakh annual spender recovers ₹11,000+ in vouchers against a ₹2,999 fee — before even counting the 2.5% category earnings.

Data Verification

Verification Tier: LIVE_VERIFIED
Editorial Feeds: Official SBI Card portal, CardInsider (confirmed June 2026), community forum audits.
Last Status Update: July 4, 2026

For official terms, interest rates, and applications, refer to the SBI Card Official Website.