all cards
mid-tierpointsSBI Card · Visa
SBI Card PRIME
Base 2 RP per ₹100. 10X (~3.33%) on Dining, Groceries, Departmental stores, Movies. Rewards redeem via SBI catalog — no airline transfer partners.
what it costs
| joining fee | ₹2,999 |
|---|---|
| annual fee | ₹2,999 |
| how to dodge the fee | Annual fee waived on ₹3,00,000 spend in the preceding anniversary year |
| forex markup | 3.5% + GST |
how you earn
every ₹100 you swipe earns you points in SBI Reward Points.
| default | 1.33× / ₹100 |
|---|---|
| dining | 3.33× / ₹100 |
| groceries | 3.33× / ₹100 |
freebies
| welcome gift | ₹3,000 gift voucher (Yatra / Bata / Marks & Spencer / Pantaloons) on joining fee payment |
|---|---|
| spend ₹2,00,000 | ₹1,000 Pizza Hut e-voucher (₹50k quarterly trigger basis) |
extras
| domestic lounges | 8/year (max 2/quarter) |
|---|---|
| international lounges | 4/year via Priority Pass |
| who can apply | Salaried or self-employed; gross income ₹6L+ p.a. |
want it?
all numbers checked against the bank's page on 2026-05-28. apply links may carry an affiliate tag — see our disclosure.