Credit Cards · Honest Review
SBI Card Prime
SBI Card · Visa
Your Verdict
- ✓8 complimentary domestic lounge visits per year
- ✓5% accelerated cashback on grocery and dining (capped ?500/month)
- ✓Club Vistara Silver membership worth ?2,999
- ✓1 free movie ticket per month on BookMyShow
- ✓Comprehensive travel insurance
What SBI Card Prime costs you
SBI Card Prime carries a ₹2,999 annual fee and a ₹2,999 one-time joining fee. The annual fee is waivable: Spend ?3L in a year.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹2,999 |
| Joining fee (one-time) | ₹2,999 |
| Fee waiver condition | Spend ?3L in a year |
| Spend required for waiver | ₹3,00,000 / year |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
SBI Card Prime earns 0.50% on all eligible spends as a base reward rate, with accelerated rates on dining & food, groceries and other bonus categories listed below. Each reward point is worth ₹0.25 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 0.50% |
| 🍽️ Dining & Food | 5% (cap ₹500/mo) |
| 🛒 Groceries | 5% (cap ₹500/mo) |
3,000 reward points on first spend
Reward types: Points · Lounge · Cashback
Beyond the reward rate
The non-reward benefits on SBI Card Prime are meaningful for frequent users. Here is what you get with the card.
Who can apply for SBI Card Prime
SBI Card Prime requires a minimum net monthly income of ₹50,000 for salaried applicants and a CIBIL score of 720 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹50,000 |
| CIBIL score | 720+ (good to excellent) |
| Age range | 21–65 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | 7�10 working days |
Who should (and shouldn't) get SBI Card Prime
- → Heavy spenders on dining & food who want 5% back
- → Heavy spenders on groceries who want 5% back
- → Frequent travelers who value airport lounge access
- → Moderate spenders who can clear the fee waiver condition
- → International travelers — the 3.5% forex markup adds up quickly
SBI Card Prime — Questions answered
What is the annual fee for SBI Card Prime?
What is the minimum income required for SBI Card Prime?
What is the reward rate on SBI Card Prime for dining & food?
Does SBI Card Prime provide airport lounge access?
How do I get the annual fee waived on SBI Card Prime?
How long does it take to get SBI Card Prime approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.