SBI Card PRIME
Best for: spenders who can use a ₹3,000 welcome voucher, quarterly and annual milestones, and domestic and Priority Pass lounges.
Why it ranks
- The welcome voucher matches the annual fee
- Quarterly and annual milestones add value
- International lounge access through Priority Pass
What holds it back
- Base rate of 2 points per ₹100 is low
- Voucher value depends on using the partner brands
Advertiser disclosure: we may be paid if you apply through our links. Ratings are editorial. Confirm today's terms on the issuer's site — offers change.
SBI Card PRIME charges ₹2,999 a year and returns a ₹3,000 welcome voucher, 10 Reward Points per ₹100 on dining, groceries, departmental stores and movies, and milestone vouchers. It includes domestic lounge access under SBI Card's Set B list and 4 Priority Pass visits a year.
SBI Card PRIME at a glance
| Issuer | SBI Card |
| Card network | Visa, Mastercard or American Express |
| Annual fee | ₹2,999 + taxes (renewal fee waived on ₹3 lakh annual spend) |
| Welcome bonus | e-Gift voucher worth ₹3,000 from brands including Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion and Shoppers Stop |
| Rewards rate | 10 Reward Points per ₹100 on dining, departmental stores, grocery and movies; 20 per ₹100 on utility bill standing instructions (first 3,000 points a month); 2 per ₹100 on other retail spends except fuel; 20 per ₹100 around your birthday (capped at 2,000 points a year) |
| Intro APR | None |
| Regular APR | Up to 3.75% a month (45% a year) |
| Foreign transaction fee | 3.5% foreign currency transaction fee |
| Airport lounge access | Domestic lounges on SBI Card's Set B list from 10 January 2026, entry by card authorisation (SBI does not state a visit quota); 4 international Priority Pass visits a year outside India (up to 2 a quarter) |
| Credit needed | See issuer |
| Best for | Spenders who will use milestone vouchers and want domestic and Priority Pass lounges |
Key features
- ₹1,000 Pizza Hut e-voucher on ₹50,000 spend in a calendar quarter
- ₹7,000 Yatra or Pantaloons e-gift voucher on ₹5 lakh annual spend
- Domestic lounge access under SBI Card's Set B programme from 10 January 2026: named lounges, entry by card authorisation
- Priority Pass with 4 international lounge visits a year (up to 2 a quarter)
- 1-year Club ITC Silver Tier membership
Before you apply: confirm the current fee, reward rates and eligibility on the issuer's official site. BestCreditCards is an independent ranking site, not the card issuer, and this is not financial advice.
Sources: sbicard.com · sbicard.com · sbicard.com
How it ranks against similar India cards
| Rank | Card | Annual fee | Rewards | Welcome offer | Foreign fee | Who qualifies | Score |
|---|---|---|---|---|---|---|---|
| 1 | SSBI CardSBI PRIME₹2,999/yr · IN SBI Card PRIMESpenders who will use milestone vouchers and want domestic and Priority Pass lounges |
₹2,999/yr | 10 Reward Points per ₹100 on dining, departmental stores, grocery and movies; 20… | e-Gift voucher worth ₹3,000 from brands including Yatra, Bat… | 3.5% foreign currency tran… | See issuer | |
| 2 | AEAmerican ExpressMembership Rewards₹4,500/yr · IN American Express Membership Rewards Credit CardDisciplined spenders who hit monthly milestones for bonus points |
₹4,500/yr | Around 1 point per Rs.50, boosted by milestones | 4,000 Membership Rewards points on spending Rs.15,000 in 90… | 3.5% markup on foreign cur… | Good to Excellent | |
| 3 | AAxis BankPrivilegeNo annual fee · IN Axis Bank Privilege Credit CardMid-level spenders who want EDGE points, a milestone bonus and domestic lounges |
None | 10 EDGE REWARD points per ₹200 spent in India or abroad; 10,000 bonus points (wo… | 12,500 EDGE REWARD points (worth ₹2,500) only when a joining… | 3.5% of the transaction va… | Age 18 to 70, Indian resident; i… | |
| 4 | SSBI CardSBI SimplySAVE₹499/yr · IN SBI SimplySAVE Credit CardEveryday spenders who want simple rewards on essentials |
₹499/yr | Around 2.5% on bonus categories, 0.25% base | 2,000 bonus Reward Points on spending Rs.2,000 in 60 days | 3.5% markup on foreign cur… | Fair to Good |
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