SBI CardVisaPremium

SBI Card PRIME credit card

10X on dining, grocery, movies; 12 lounge visits; milestone vouchers.

Personal score50/100● Good fit

Recurring net savings₹3,474/yrafter fee, GST and caps · bills paid in full

First-year value₹2,635incl. ₹2,700 welcome, ₹3,539 joining fee

Effective savings rate1.1%on ₹3,26,640 card spend · 6% = full marks

Annual fee (incl. GST)Waived ~~₹3,539~~waiver at ₹3,00,000 spend

Lounge access✈8 dom🌏4 intlyou can use 2 of your visits

Personalise Official page ↗

Source: SBI Card – PRIME · last reviewed 2026-09-12

Standard profile

Scored for Typical Indian cardholder · ₹32k/monthBills paid in full · first-year offers shown separately · set up your profile to score cards for your own spend

Why it fits – and what to watch

hover any tile for the detail

₹2,376/yr10 RP/₹100 on dining, grocery,…

Waived₹3,539 fee

2/2lounge visits covered

1/1lifestyle perks matched

₹36,000earns nothing (fuel)

! Points are worth only ₹0.25 each – 1 RP = ₹0.25 on vouchers/statement.

Where the money comes from

₹3,474/yr · 1.1%

10 RP/₹100 on dining, grocery, departmental…on ₹95,040₹2,376

Base rate 0.5% on other spendson ₹1,47,600₹738

Excluded categories (no rewards)on ₹84,000₹0

Fuel surcharge waiver₹360

◻︎ ₹7,000 Yatra/Pantaloons voucher at ₹5L · needs ₹5,00,000/year

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How ₹3,474/yr is calculated: SBI Card PRIME
+ Reward value on your spendat ₹0.25/SBI Reward Points realistic value: ₹3,114
+ Fuel surcharge waiver1% up to ₹250/month: ₹360
+ Annual fee incl. 18% GSTwaived – ₹3,539 at ₹3,00,000 spend: ₹0
= Recurring net savings: ₹3,474/yr
÷ card spend counted UPI-only rupees excluded on non-RuPay cards: ₹3,26,640
= Effective savings rate: 1.1%

How the score of 50 is built

weights total 100% · methodology

Net savings rate22/100 × 55%11.9

Usable lounge access100/100 × 15%15.0

Redemption flexibility60/100 × 10%6.0

Lifestyle fit100/100 × 10%10.0

Simplicity60/100 × 5%3.0

Fee safety85/100 × 5%4.3

Airport lounges with this card

Open Lounge Finder →

42airports in India

64lounges you can enter

2 per quarterdomestic

4 per yearinternational

How you get in: issuer programme (bank / operator app) · Priority Pass. Carry the card and a same-day boarding pass; at Delhi and Hyderabad validate in the Encalm HOI app, at Adani airports in the Adani LoungeOne app.

DEL Delhi 6 lounges

✈T3 Encalm Lounge (T3 Domestic) Encalm · via issuer programme (bank / operator app) verified
✈T3 Plaza Premium Lounge (T3 Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏T3 Encalm Privé (T3 International) Encalm · via Priority Pass verified
🌏T3 Plaza Premium Lounge (T3 International) Plaza Premium · via Priority Pass verified
✈T1 Encalm Lounge (T1) Encalm · via issuer programme (bank / operator app) verified
✈T2 Encalm Lounge (T2) Encalm · via issuer programme (bank / operator app) verified

HYD Hyderabad 4 lounges

✈Main Encalm Lounge (Domestic) Encalm · via issuer programme (bank / operator app) verified
✈Main Plaza Premium Lounge (Domestic) Plaza Premium · via issuer programme (bank / operator app) verified
🌏Main Plaza Premium Lounge (International) Plaza Premium · via Priority Pass verified
🌏Main Encalm Privé (International) Encalm · via Priority Pass check at desk

BOM Mumbai 4 lounges

✈T2 Adani Lounge (T2 Domestic) Adani Airports · via issuer programme (bank / operator app) verified
✈T2 TFS Lounge (T2 Domestic) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Adani Lounge (T2 International) Adani Airports · via Priority Pass verified
✈T1 Adani Lounge (T1) Adani Airports · via issuer programme (bank / operator app) verified

BLR Bengaluru 3 lounges

✈T2 080 Domestic Lounge BIAL · via issuer programme (bank / operator app) verified
🌏T2 080 International Lounge BIAL · via Priority Pass verified
✈T1 Above Ground Level Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified

MAA Chennai 3 lounges

✈T1 Travel Club Lounge (T1) Travel Food Services · via issuer programme (bank / operator app) verified
✈T4 Travel Club Lounge (T4) Travel Food Services · via issuer programme (bank / operator app) check at desk
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

AMD Ahmedabad 2 lounges

✈T1 Adani Lounge (Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (International) Adani Airports · via Priority Pass verified

ATQ Amritsar 2 lounges

✈Main Bird Lounge (Domestic) Bird Group · via issuer programme (bank / operator app) check at desk
🌏Main Bird Lounge (International) Bird Group · via Priority Pass check at desk

GOX Goa (Mopa) 2 lounges

✈Main Mopa Airport Lounge (Domestic) GMR · via issuer programme (bank / operator app) check at desk
🌏Main Mopa Airport Lounge (International) GMR · via Priority Pass check at desk

COK Kochi 2 lounges

✈T1 Earth Lounge (Domestic) CIAL · via issuer programme (bank / operator app) verified
🌏T3 Earth Lounge (International) CIAL · via Priority Pass verified

CCU Kolkata 2 lounges

✈T2 Travel Club Lounge (Domestic) Travel Food Services · via issuer programme (bank / operator app) verified
🌏T2 Travel Club Lounge (International) Travel Food Services · via Priority Pass verified

LKO Lucknow 2 lounges

✈T3 Adani Lounge (Lucknow) Adani Airports · via issuer programme (bank / operator app) verified
🌏T3 Adani Lounge (Lucknow International) Adani Airports · via Priority Pass check at desk

TRV Thiruvananthapuram 2 lounges

✈T2 Adani Lounge (Thiruvananthapuram Domestic) Adani Airports · via issuer programme (bank / operator app) verified
🌏T2 Adani Lounge (Thiruvananthapuram International) Adani Airports · via Priority Pass check at desk

+ 30 more airports in the Lounge Finder.

What changed on this card

1 Apr 2026Policy changeSBI Card
SBI Card reward points: statement-credit redemption in blocks of 4,000, max 60,000 a month
Reward points on SBI cards can be redeemed as statement credit only in multiples of 4,000 points and up to 60,000 points per card per calendar month. Small balances therefore sit unredeemed for longer; the realistic point value CardLens uses is unchanged.
Cards: SimplyCLICK SBI Card, SimplySAVE SBI Card, SBI Card PRIME, SBI Card ELITE, SBI Card PULSE, SBI Card MILES ELITE, Air India SBI Signature, AURUM +4 more · Source: SaveSage – Credit card devaluations in 2026 · verified 2026-09-19

All credit card changes →

Card facts

💳 Base earn0.5%value on eligible spend

⚡ Accelerated2.5% 10 RP/₹100 on dining,…

🚫 No rewards onfuelrentutilitiesinsuranceeducation

🏷️ Fees₹3,539/yr incl. GSTwaived on ₹3,00,000 spend · joining ₹2,999

🎁 Welcome (year 1)≈ ₹2,700₹3,000 e-gift voucher on fee payment

🏁 Milestones₹6,300 @ ₹5,00,000/year

✈️ Lounge✈2/qtr dom🌏4/yr intl8 domestic + 4 Priority Pass

🌏 Forex markup3.5%+ GST on the markup

🔁 Redemption₹0.25/SBI Reward Points ★★★☆☆1 RP = ₹0.25 on vouchers/statement.

🧩 Simplicity★★★☆☆a few caps to track

🎯 Lifestyledining programconciergefuel waiverinsurance coverPizza Hut ₹1,000 vouchers per ₹50k quarterly spend

🪪 EligibilityIncome ₹6L+/yr

At a glance

2.5% value on dining, grocery, movies
12 lounge visits a year
Fee waived at ₹3L

0.5% base earning
Vouchers rather than cash
Utilities and insurance excluded

Compare SBI Card PRIME with

Community Q&A on the SBI Card PRIME

Threaded questions from cardholders · the Advisor can add a computed answer.

Loading discussion…

Frequently asked questions

What is the annual fee of the SBI Card PRIME?

Joining fee ₹2,999 and renewal fee ₹2,999, plus 18% GST (₹3,539 a year). The renewal fee is waived if you spend ₹3,00,000 in the card year.

Does the SBI Card PRIME give airport lounge access?

8 domestic + 4 international/yr. 8 domestic + 4 Priority Pass.

How much can I save with the SBI Card PRIME?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹3,474 a year, an effective savings rate of 1.1% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the SBI Card PRIME's reward exclusions and caps?

No rewards on fuel, rent, utilities, insurance, education. 10 RP/₹100 on dining, grocery, departmental stores, movies: capped at ₹1,875 a month

Sources

SBI Card – PRIME

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology. Also: SBI Card PRIME lounge access by airport · all SBI Card cards · change log.