SBI Card PRIME
SBI Card · Checked 2026-10-09
SBI Card PRIME is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
SBI Card PRIME is a paid card focused on shopping rewards, dining rewards and travel benefits, charging ₹2,999 annually before GST.
Who it suits
- People who prioritise shopping rewards.
- People who prioritise dining rewards.
- People whose normal usage can recover the annual fee through relevant benefits.
Key strengths
- 10 points per ₹100 on eligible dining, groceries and departmental stores.
- Up to 8 domestic and 4 overseas lounge visits per year, with quarterly limits.
- Renewal fee waiver at ₹3 lakh eligible annual spend.
Trade-offs to understand
- 2 points per ₹100 on other eligible retail purchases, excluding fuel.
- Up to 8 domestic and 4 overseas lounge visits per year, with quarterly limits.
- Renewal fee waiver at ₹3 lakh eligible annual spend.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 on eligible dining, groceries and departmental stores valuable enough to clear the fee. Factor in this condition: 2 points per ₹100 on other eligible retail purchases, excluding fuel.
Compare before deciding
- Reliance SBI Card PRIME — A similarly priced alternative for comparing reward points and airport lounge access.
- Apollo SBI Card SELECT — A lower-fee way to compare similar strengths in reward points and airport lounge access.
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Benefits, limits and conditions
- 2 points per ₹100 on other eligible retail purchases, excluding fuel.
- Up to 8 domestic and 4 overseas lounge visits per year, with quarterly limits.
- Renewal fee waiver at ₹3 lakh eligible annual spend.