Karnataka Bank SBI Card PRIME

Annual feeJoining feeRenewal fee

₹2,999 + GST

Fee waiver rule

Fee waived if you spend ₹3 lakhs.

Add-on card fee

Add-on Card Fee (per annum): Nil.

Welcome benefit

Welcome e-Gift voucher worth ₹3,000. Choose from an array of travel and lifestyle brands: Yatra, Hush Puppies/Bata, Pantaloons, Aditya Birla fashion, Shopper Stop and many more. The voucher link will be sent to cardholder’s registered email ID & mobile number within 21 days, post realization of the annual fees.

Reward rate

2 reward points per ₹100 · everyday spendsEarn 2 reward points per ₹100 on all other retail spends, except fuel.

Reward caps

Earn 20 Reward Points per ₹100 on birthday spends (valid one day before, on, and one day after your birthday). Reward Points capped at 2,000 per calendar year

What one reward unit is worth

Pay your outstanding card bill using reward points. 4 Reward Points = Re. 1.

Domestic lounge access

8 complimentary domestic airport lounge visits (max. 2 visits per quarter)

International lounge access

4 complimentary International Priority Pass Lounge visits per calendar year, outside India (max. 2 visits per quarter)

Priority Pass

Complimentary membership to Priority Pass Program worth $99. Only Primary Cardholders are eligible for Priority Pass and complimentary membership will be valid for 2 years only

Milestone benefits

Earn a Pizza Hut e-Voucher worth ₹1,000 on quarterly spends of ₹50,000 (Prime Pro cardholders: Voucher worth ₹500 on the same spends). Renewal fee waived on annual spends of ₹3 lakhs. E-Gift Voucher worth ₹7,000 from Yatra.com/Pantaloons on annual spends of ₹5 lakhs.

Membership tiers and what unlocks them

Complimentary 1-year Club ITC Silver Tier Membership.

Fuel surcharge waiver

1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India. (Extra service tax as applicable) Maximum surcharge waiver of ₹250 per month, per statement cycle

Lost card liability

Complimentary credit card fraud liability cover of ₹1 lakh. Coverage applies from 48 hours before reporting the loss up to 7 days after reporting.

Add-on card eligibility

Empower your family with add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Balance Transfer on EMI: Transfer outstanding balances of other banks’ credit cards to your SBI Card PRIME at a lower interest rate and repay in easy EMIs.

Purchase to EMI conversion

Flexipay: Convert eligible purchases into easy monthly EMIs. Applicable on transactions of ₹2,500 or more made using SBI Card PRIME.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%3.5% (For All Cards Except Aurum, Elite, Prime NRI Secured, Tata Neu Infinity SBI Credit Card and SBI Card Miles Elite/Miles Prime/Miles)

Cash advance fee

2.5% or ₹500 whichever is higher (domestic & international ATMs)

Interest on unpaid balance

3.75% p.m. (45% p.a.) for unsecured cards.

Interest-free period

20 to 50 days interest-free when you pay in full.

Late payment fee

From Nil (amount due ₹0 to ₹100) to ₹1,300 (amount due above ₹50,000)

Over-limit fee

2.5% of Overlimit Amount (subject to a minimum of ₹600); Overlimit Fee will not be reversed in case of transaction reversal / cancellation / refund

Payment return or dishonour fee

2% of Payment amount (subject to a minimum of ₹500)

Card replacement fee

₹100 - ₹250 (₹1500 for Aurum)

Cash payment / cash deposit fee

Cash Payment Fee: Revised from ₹199 to ₹250 w.e.f. 01 Sep 2021

Education / school fee charge

Fee on Education Payments: W.e.f 1st Nov 2025, 1% of the transaction amount applicable on Education Payments made through third-party apps. However, payments made directly to colleges or schools via their websites or POS machines will not attract any fee.

Fee for paying the bill by cheque

₹200; not applicable for SBI Card Unnati, SBI Card Vyapaar Unnati and SBI Card Krishak Unnati Credit Cards

Foreign ATM fee

2.5% of transaction amount (subject to a minimum of ₹500) at International ATMs

Reward redemption fee

₹99. Applicable only on Physical products, Statement Credit & on Vouchers that are sent physically as specified in the individual product Terms & Conditions, for all cards except AURUM. No redemption fee will be charged to the card account if, the card account status is found voluntarily closed on the fee posting date

Wallet load charge

W.e.f 1st Nov 2025, 1% of the transaction amount. Applicable on every wallet load transaction exceeding ₹1,000

Rent transaction fee

₹199 processing fee on all rent payment transactions; Processing Fee will not be reversed in case of transaction reversal / cancellation / refund.

Utility transaction fee

W.e.f. 1st Dec 2024, 1% of total amount of Utility Payments, if the total amount exceeds ₹50,000 in a billing cycle

GST note

All taxes would be charged as applicable on all the above Fees, Interest & Charges

Grace days after the due date

Grace period of 3 days is allowed from the payment due date on credit card accounts, where payments are not overdue from previous billing cycle (s)

Minimum amount due

100% of GST + 100% of EMI amount + 100% of Fees/Charges +100% of finance charges+ Overlimit Amount (if any) + 2% of remaining balance outstanding

Age the primary cardholder must be

21 to 60 years

Eligibility

Salaried or Self-Employed with stable income.

Minimum age

Minimum 21 years