South Indian Bank SBI Card PRIME
SBI Card · Checked 2026-10-09
South Indian Bank SBI Card PRIME is a paid card focused on shopping rewards, dining rewards and reward points, charging ₹2,999 annually before GST.
CardIQ editorial view
Our take
South Indian Bank SBI Card PRIME is a paid card focused on shopping rewards, dining rewards and reward points, 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 dining, department stores and groceries; 2 on other eligible retail spends.
- Eight domestic and four international lounge visits per year; quarterly limits apply.
Trade-offs to understand
- 4 points = ₹1 for eligible redemptions.
- Eight domestic and four international lounge visits per year; quarterly limits apply.
- The ₹2,999 annual fee plus GST needs to be justified by benefits you will actually use.
CardIQ verdict
It deserves a place on the shortlist when your normal spending makes 10 points per ₹100 on dining, department stores and groceries; 2 on other eligible retail spends valuable enough to clear the fee. Factor in this condition: 4 points = ₹1 for eligible redemptions.
Compare before deciding
- Bank of Maharashtra SBI Card PRIME — A similarly priced alternative for comparing shopping rewards and reward points.
- City Union Bank SBI Card PRIME — A similarly priced alternative for comparing shopping rewards and reward points.
This CardIQ editorial assessment is maintained separately from issuer facts and commercial links. CardIQ may earn a commission from some applications. Verify current terms before applying.
Benefits, limits and conditions
- 4 points = ₹1 for eligible redemptions.
- Eight domestic and four international lounge visits per year; quarterly limits apply.