SBI Card PRIME
SBI Card PRIME is still SBI's solid mid-premium all-rounder — 10X (10 RP per ₹100, ~2.5% at ₹0.25/point) on dining, groceries, departmental stores and movies, plus lounges, a spend milestone and a fuel waiver, all at a ₹2,999 fee that waives at ₹3 lakh. It earns 2 RP per ₹100 (~0.5%) elsewhere, with 8 domestic lounge visits a year (2/quarter), 4 international Priority Pass visits plus the $99 Priority Pass membership, a ₹1,000 Pizza Hut voucher for every quarter you spend ₹50,000, a ₹7,000 Yatra/Pantaloons voucher at ₹5 lakh, and a ₹3,000 welcome voucher. The Vistara–Air India merger stripped out the Club Vistara Silver and Trident Privilege Red memberships that once made it distinctive; SBI has since put a Club ITC Silver Tier membership in their place.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
2.5% on Dining
10X (10 RP/₹100, ~2.5% at ₹0.25/point) on dining and movies. SBI caps accelerated points at 7,500 a calendar month ACROSS dining, departmental stores, grocery and movies together — we apply the cap per category, so a spender who maxes two is credited a little high
2.5% on Groceries
10X (~2.5%) on groceries and departmental stores, sharing the 7,500-point monthly accelerated cap with dining and movies
️ Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,999 + 18% GST (₹3,539 all-in)/yr fully waived when you spend ₹3,00,000/year
Hotel Membership
Complimentary 1-year Club ITC Silver Tier membership
Milestone Bonus
~₹4,000 in bonus rewards on hitting annual spend milestones
️ Insurance Cover
Air accident liability cover of ₹50 lakh and credit card fraud liability cover of ₹1 lakh
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.5% | ₹1,875 |
| Groceries | reward points | 2.5% | ₹1,875 |
| Other | reward points | 0.5% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹3,539 |
| Joining fee (incl. 18% GST) | ₹3,539 |
| Finance charge (APR) | 3.75% p.m. |
| Forex markup | 3.5% |
Perks & benefits
Estimated annual value beyond rewards — ~₹31,500/yr in total.
fuel waiver ~ ₹3,000 /yr
1% fuel surcharge waiver on transactions of ₹500–₹4,000, capped at ₹250 per statement cycle
️ lounge access ~ ₹14,000 /yr
8 domestic lounge visits a year (2 a quarter) + 4 international Priority Pass visits a year (2 a quarter), with a complimentary Priority Pass membership worth $99
milestone bonus ~ ₹4,000 /yr
₹1,000 Pizza Hut e-voucher for every quarter you spend ₹50,000 — up to ₹4,000 a year at a steady ₹50,000 a quarter. Prime Pro cardholders get ₹500 a quarter
milestone bonus ~ ₹7,000 /yr
₹7,000 Yatra.com or Pantaloons e-gift voucher on ₹5 lakh of annual spend
hotel membership ~ ₹3,000 /yr
Complimentary 1-year Club ITC Silver Tier membership
️ insurance ~ ₹500 /yr
Air accident liability cover of ₹50 lakh and credit card fraud liability cover of ₹1 lakh
Spend milestone
· ₹5,00,000 a year ₹7,000 of value
Should you get it?
Best for: Frequent travellers, Higher spenders
Premium tier — a solid all-rounder for steady monthly spend.
Strongest value if you spend heavily on Dining ( 2.5% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Strong rewards that can offset the annual fee for the right spender
- 8 domestic lounge visits plus 4 international Priority Pass visits and the $99 membership
- ₹1,000 Pizza Hut voucher every quarter you spend ₹50,000, and ₹7,000 from Yatra or Pantaloons at ₹5 lakh
- Complimentary 1-year Club ITC Silver Tier membership
- 10X (~2.5%) on dining, groceries, departmental stores and movies
✕ Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
Age
21 –65 years
Min. income
₹50,000 /mo
Employment
Salaried · Self-employed · Student
Documents required
- PAN card
- Aadhaar / valid address proof
- Latest 3 months bank statement
- Income proof — salary slips (salaried) or ITR (self-employed)
- Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Statement credit / cashback adjustment
🎁 Online rewards catalogue (vouchers, merchandise)
🎁 Flight & hotel bookings via the issuer rewards portal
What your SBI Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Capped at 60,000 pts/month from Apr 2026
Rewards catalogue / vouchers BEST Vouchers & merchandise
The concern The Club Vistara Silver and Trident Privilege Red memberships are gone post-merger, and the 3.5% forex and ~0.5% base mean its value now rests on the four 10X categories and the milestones.
The bottom line
The SBI Card PRIME is a capable mid-premium credit card for individuals who consistently spend across groceries, dining, departmental outlets, and movies to capture the 10X (~2.5%) reward rate. With 8 domestic and 4 Priority Pass lounge visits, quarterly Pizza Hut vouchers, and an annual spend waiver at ₹3 lakh, the card packs solid value. However, because the legacy Club Vistara and Trident hotel partnerships have been phased out post-merger, cardholders should evaluate the product primarily on its milestone structure and core reward categories.
Sources & verification
Fees, reward rates, and benefits for the SBI Card PRIME are taken from SBI Card 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 15 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for SBI Card . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2017 · 7 changes · last change Apr 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 1 change — 1 cut
▼ Redemption Observed 26 Feb 2026 · Effective 1 Apr 2026
Statement-credit redemption capped & blocked into 4,000-point multiples
Unrestricted statement-credit redemption, any point quantity → Max 60,000 RP/month; redeemable only in multiples of 4,000
Effective 1 April 2026, SBI Card capped statement-credit redemption at 60,000 Reward Points per card per calendar month and required redemptions in multiples of 4,000 points, removing partial/small redemptions. The 4 RP = ₹1 (₹0.25/point) conversion rate is unchanged. Applies to SBI Card PRIME (only Air India SBI Signature and the two PhonePe SBI variants are exempt).
Verification: SBI Card ↗ · Confidence: High
2025 2 changes — 2 cuts
▼ Fee Effective 1 Nov 2025
1% fee on third-party education payments & wallet loads
No surcharge on education/wallet-load spends → 1% fee on 3rd-party education fees & wallet loads over ₹1,000
In its system-wide fee revision effective 1 November 2025, SBI Card added a 1% fee on education-fee payments made via third-party apps/aggregators (Paytm, PhonePe, Razorpay, etc.; direct school/college website or campus POS payments stay free) and a 1% fee on digital-wallet loads exceeding ₹1,000. Applies to SBI Card PRIME.
Verification: SBI Card ↗ · Confidence: High
▼ Benefit Effective 2025
Club Vistara Silver & Trident Privilege memberships discontinued
Complimentary Club Vistara Silver + Trident Privilege Red memberships → Both memberships withdrawn
Following the Vistara-Air India merger (Vistara ceased operations 12 Nov 2024; Club Vistara folded into Air India's Maharaja Club through 2025), the complimentary Club Vistara Silver and Trident Privilege Red memberships that PRIME once bundled were discontinued, stripping the status perks that had helped set the card apart and leaving its case to rest on the 10X categories, lounges and milestones.
Verification: CardAdvisor Research · Confidence: Reconstructed
2024 1 change — 1 cut
▼ Reward Observed 1 Mar 2024 · Effective 1 Apr 2024
Reward points removed on rent payments (MCC 6513)
Base RP earned on rent payments → No RP on rent payments (MCC 6513)
SBI Card stopped awarding Reward Points on rent payments coded under MCC 6513, effective 1 April 2024 for standard cards (15 April 2024 for co-branded cards). SBI Card PRIME was explicitly named on the affected list; combined with the ₹199 processing fee, rent became a fully unrewarded, fee-bearing spend.
Verification: SBI Card ↗ · Confidence: High
2022 1 change — 1 cut
▼ Fee Effective 15 Nov 2022
Rent-payment processing fee introduced (₹99, later ₹199)
No rent-payment processing fee → ₹99 + GST (raised to ₹199 + GST from 17 Mar 2023)
SBI Card began levying a ₹99 + GST processing fee on every rent-payment transaction from mid-November 2022, then doubled it to ₹199 + GST effective 17 March 2023. Applies system-wide, including SBI Card PRIME.
Verification: CardAdvisor Research · Confidence: High
2021 1 change — 1 cut
▼ Reward Effective 22 Feb 2021
Birthday bonus reward points capped
Uncapped 20 RP per ₹100 on birthday spends → Birthday bonus capped at 2,000 RP per year
The distinctive birthday perk — 20 Reward Points per ₹100 spent on the cardholder's birthday — was capped at a maximum of 2,000 bonus points per year, trimming one of PRIME's standout earning opportunities.
Verification: CardAdvisor Research · Confidence: Reconstructed
2017 1 change — 1 neutral
◆ Launch Effective 2017
SBI Card PRIME launched
SBI's mid-premium all-rounder debuted around mid-2017 at a ₹2,999 joining/renewal fee (waived at ₹3 lakh annual spend): 10 RP per ₹100 (~2.5%) on dining, groceries, departmental stores and movies, 2 RP per ₹100 (~0.5%) elsewhere, a ₹3,000 welcome e-voucher, quarterly Pizza Hut and annual Yatra/Pantaloons milestones, domestic + Priority Pass international lounge access, and complimentary first-year Club Vistara Silver and Trident Privilege Red memberships.
Verification: CardAdvisor Research · Confidence: Reconstructed
↓ Show all 7 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: SBI Card PRIME value timeline — CardAdvisor
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Quick summary
Type Premium credit card
Reward rate 0.5%–2.5%
Best for Frequent travellers
Joining fee ₹2,999
Annual fee ₹2,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 15 Aug 2026
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