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SBI Card PRIME

SBI Card

SBI Card PRIME — card image from the issuer's official page

Annual / renewal fee

₹2,999 plus applicable taxes.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Earn rate

  • 2 Reward Points per ₹100 spent (base).
  • 10 Reward Points per ₹100 spent on Dining, Departmental stores, Grocery & Movies.
  • 20 Reward Points per ₹100 spent on Birthday for three days (capped at 1,800 RP/year).
  • 20 Reward Points per ₹100 on Standing Instructions for utility bill transactions (capped at 3,000 RP/month).

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

View on official site →

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You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Source-traced to issuer Verified 2026-07-30
View on official site →

This is the issuer's own page for this card. We earn nothing from this link.

You'll land on the issuer's official application portal at sbicard.com — if a different card is shown first, use its card selector to pick this one.

Overview

SBI Card PRIME by SBI Card. Facts on this page are extracted and verified automatically from official issuer documents.

Fees

Joining fee

Confirm on the official page

Official source not yet captured

Annual / renewal fee

₹2,999 plus applicable taxes.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Fee waiver

Renewal fee of ₹2,999 waived off on annual spends of ₹3 Lakh or more in the preceding year.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Renewal fee

₹2,999 (Waived off on annual spends of ₹3 Lakh or more in the preceding year).

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Rewards

  • 2 Reward Points per ₹100 spent (base).
  • 10 Reward Points per ₹100 spent on Dining, Departmental stores, Grocery & Movies.
  • 20 Reward Points per ₹100 spent on Birthday for three days (capped at 1,800 RP/year).
  • 20 Reward Points per ₹100 on Standing Instructions for utility bill transactions (capped at 3,000 RP/month).

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM IST

Redemption value

  • Rewards Redemption Fee: ₹99 (applicable only on Physical products, Statement Credit & Vouchers sent physically; no fee if account voluntarily closed on fee posting date).
  • Reward Points valid for 24 months from date of accrual and expire/forfeit on the last day of the 24th month.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Reward cap

  • Accelerated Reward Points (Dining, Departmental Stores, Grocery & Movies) capped at 7,500 Reward Points per calendar month.
  • After cap, 2 RP per ₹100 accrues.
  • Birthday earning capped at 1,800 RP/year.
  • Standing Instruction utility earning capped at 3,000 RP/month.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Reward exclusion

purchases at petrol pumps/service stations (MCCs 5172554155425983); e-Wallet Loading Transactions under MCCs 6540 and 6541 not eligible to accrue reward points w.e.f. 1st July 2020

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Travel & lounge

Lounge access

  • Complimentary Priority Pass standard membership (valid 24 months).
  • Domestic Priority Pass lounges (within India): complimentary.
  • International Priority Pass lounges outside India: 6 visits/year for ELITE and 4 visits/year for PRIME cardholder (max 2 per quarter).
  • Post complimentary visits and all within-India International Priority Pass lounge visits charged USD 27 + applicable taxes per visit.
  • Guest visits USD 27 + applicable taxes per visit.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Hotel benefit

  • Complimentary 1-year Club ITC Silver Tier Membership.
  • 25% off on second night at ITC Hotels (Club ITC membership enrollment mandatory).
  • 20% off on food orders via ITC Hotels app on minimum order value of ₹3,000 (excluding taxes) when paid via SBI Card PRIME.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Travel benefit

  • Yatra.com Milestone e-Gift Vouchers valid for booking Flights (Domestic/International), Hotels (Domestic), Buses (Domestic), Holidays (Domestic/International) at Yatra.com.
  • Valid up to 6 months from date of issue.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Dining, golf, concierge, insurance, milestones & welcome

Welcome benefit

  • Welcome gift: e-Gift Vouchers in multiples of ₹1,000 up to a total value of ₹3,000 from a range of brand options.
  • Eligible after paying the membership fee for the eligible year (redeemable within 6 months).

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Dining benefit

  • Complimentary 1-year Club ITC Silver Tier Membership.
  • 25% off on second night at ITC Hotels (Club ITC membership enrollment mandatory).
  • 20% off on food orders via ITC Hotels app on minimum order value of ₹3,000 (excluding taxes) when paid via SBI Card PRIME.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Insurance

  • Complimentary lost/stolen card / fraud liability cover up to ₹1,00,000 for financial loss due to fraudulent usage.
  • Protection covers misuse up to 3 days prior to first report and up to 7 days post reporting.
  • Insured by The Oriental Insurance Company Limited.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Eligibility

Eligibility

  • Add-on cards can be applied for spouse, parents, siblings and children over 18 years of age.
  • Add-on cardholders share the same limits as the Primary Account Holder.

VerifiedSBI Card PRIME – Terms & Conditions Booklet (FY24, current version)30 Jul 2026, 8:30 PM ISTSBI Card

Charges & interest

Forex markup

  • Foreign Currency Transaction Fee: 3.5% (SBI Card PRIME is not in the reduced-rate list, so standard 3.5% applies).
  • Dynamic Currency Conversion Fee: 3.5% on transactions greater than or equal to ₹1,000 carried out in Indian currency at an international location or at merchants located in India but registered overseas.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Charge

  • Cash Advance Fee: 2.5% or ₹500 whichever is higher (domestic ATMs) and 2.5% or ₹500 whichever is higher (international ATMs).
  • Finance Charges: up to 3.75% per month (45% p.a.) for unsecured cards.
  • Minimum Finance Charge ₹25.
  • Cash Payment Fee: ₹250 + applicable taxes.
  • Late Payment Charges: Nil (₹0-100), ₹100 (>₹100-500), ₹500 (>₹500-1,000), ₹750 (>₹1,000-10,000), ₹950 (>₹10,000-25,000), ₹1,100 (>₹25,000-50,000), ₹1,300 (>₹50,000).
  • Additional Late Payment Charge of ₹100 on missing MAD for two consecutive cycles.
  • Overlimit Fee: 2.5% of overlimit amount or ₹600 whichever is higher.
  • Payment Dishonor Fee: 2% of payment amount subject to minimum ₹500.
  • Dynamic Currency Conversion Fee: 3.5%.
  • Card Replacement Fee: ₹100 - ₹250.
  • Cheque Payment Fee: ₹200.
  • Rewards Redemption Fee: ₹99.
  • Processing Fee on all Rent Payment Transactions: ₹199.
  • Utility Payments Fee (w.e.f. 1st Dec 2024): 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
  • Fee on Education Payments (w.e.f. 1st Nov 2025): 1% on payments via third-party apps.
  • Fee on Wallet Load (w.e.f. 1st Nov 2025): 1% on every wallet load transaction exceeding ₹1,000.
  • Add on Fee: Nil.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Fuel surcharge waiver

  • 1% fuel surcharge waiver (excluding GST) on eligible transactions.
  • For single transaction spends between ₹500 and ₹4,000 for Prime Cards.
  • Maximum surcharge waiver of ₹250 per statement cycle per credit card account for Prime Cards.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Interest-free period

Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full), subject to submission of claims by the merchant.

VerifiedMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME30 Jul 2026, 8:30 PM ISTSBI Card

Transfers

Transfer partner

VerifiedSBI Card PRIME – Terms & Conditions Booklet (older version, SI09012018)30 Jul 2026, 8:30 PM ISTSBI Card

Common questions

What is the annual fee on the SBI Card PRIME?

Officially traced: Rs. 2,999 plus applicable taxes.

Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME

Is the SBI Card PRIME annual fee ever waived?

Renewal fee of Rs. 2,999 waived off on annual spends of Rs. 3 Lakh or more in the preceding year.

Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME

How does the SBI Card PRIME earn rewards?

2 Reward Points per Rs. 100 spent (base).

SBI Card PRIME – Terms & Conditions Booklet (FY24, current version)

What lounge access does the SBI Card PRIME include?

Complimentary Priority Pass standard membership (valid 24 months).

SBI Card PRIME – Terms & Conditions Booklet (FY24, current version)

What welcome benefit does the SBI Card PRIME offer?

Welcome gift: e-Gift Vouchers in multiples of Rs. 1,000 up to a total value of Rs. 3,000 from a range of brand options.

SBI Card PRIME – Terms & Conditions Booklet (FY24, current version)

What are the transfer ratios for SBI Card PRIME points?

Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.

Other verified details

Not published in the official documents on file — see the official T&C link below.

Official documents & verification

Official issuer pageMost Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIMESBI Card PRIME – Terms & Conditions Booklet (FY24, current version)SBI Card PRIME – Terms & Conditions Booklet (older version, SI09012018)

Official terms

https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html.

VerifiedSBI Card PRIME product page30 Jul 2026, 8:30 PM ISTSBI Card

Verified 2026-07-30 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.

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