SBI Card PRIME

Renewal feeJoining fee

₹2,999 + GST

Fee waiver rule

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

Add-on card fee

₹0Nil

Welcome benefit

Welcome e-Gift voucher worth ₹3,000.

Reward rate

2 reward points per ₹100 · everyday spends2 reward points per ₹100 on all other retail spends, except fuel.

Groceries earning

10 reward points on dining, departmental stores and grocery spends.

Reward earning on dining spends

10 Reward Points for every ₹100 spent on Dining, Groceries, Departmental Store & Movies.

Utilities earning

20 Reward Points on utility bill payment standing instructions. After 3000 points, earn 2 Reward Points for every ₹100 spent

Reward exclusions

Purchases at petrol pumps/service stations.

Reward caps

5X Reward Points accrued per ₹100 spent on Dining, Movies, Departmental Store & Groceries for your SBI Card Prime will have a maximum cap of 7,500 Reward Points per month

Catalogue redemption

4 Reward Points = Re. 1.

Statement-credit redemption

Pay your outstanding card bill using reward points.

Point expiry

Reward Points, if not redeemed within this period, will expire and be forfeited on the last day of the 24th month

Domestic lounge access

8 domestic lounge visits every year.

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.

Hotel or travel programme

Complimentary 1-year Club ITC Silver Tier Membership.

Dining programme

Up to 25% discount at more than 500+ restaurants – Castles Barbeque, Yeti – The Himalayan Kitchen, Lord of The Drinks, Laidback Café and many more

Golf

4 rounds of complimentary green fees access and up to 50% off on golf games, along with 1 complimentary lesson per month at selected golf courses across India

Concierge

Get Visa Concierge support

Milestone benefits

Pizza Hut e-voucher worth ₹1,000 on quarterly spends of ₹50,000; more milestones, including an e-gift voucher worth ₹7,000 from Yatra.com/Pantaloons on annual spends of ₹5 lakhs

Fuel surcharge waiver

Enjoy a 1% fuel surcharge waiver on every transaction between ₹500 and ₹4,000 at all petrol pumps across India. (Extra service tax as applicable)

Air accident cover

Air accident liability cover of ₹50 lakhs.

Lost card liability

Credit card fraud liability cover of ₹1 lakh.

Add-on card eligibility

Add-on cards for your parents, spouse, children or siblings above the age of 18.

Balance transfer terms

Available – transfer other banks' card balances at lower interest rate, repay in easy EMIs.

Purchase to EMI conversion

Convert eligible purchases into easy monthly EMIs.

Forex markup

3.5% on foreign currency transactions.

Dynamic currency conversion markup

3.5%

Cash advance fee

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

Cash withdrawal limit

₹15,000 per day on ATM Withdrawals, subject to Cash Advance Limit availability

Interest on unpaid balance

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

Interest-free period

20-50 days (applicable only on retail purchases and if previous month's outstanding balance is paid 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)

Payment return or dishonour fee

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

Statement or duplicate statement fee

Duplicate monthly statements are provided only for a period of six months preceding the request and are subject to a service charge

Card replacement fee

₹100 - ₹250

Cash payment / cash deposit fee

₹250

Cheque payment / dishonour fee

₹200

Education / school fee charge

1% of the transaction amount applicable on Education Payments made through third-party apps.

Foreign ATM fee

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

Reward redemption fee

Rewards Redemption Fee: ₹99+ applicable taxes.

Wallet load charge

Fee on Wallet Load^^^ : 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.

Utility transaction fee

If the sum of all Utility Payments in a billing cycle exceeds ₹50,000, then a Utility Payments Fee of 1% will be charged on the total amount of Utility payments made in that 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

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