SBI Card PRIME

SBI Card

SBI Card PRIME is the flagship premium credit card from SBI Card, designed for affluent Indian consumers who want a comprehensive card that rewards everyday spending across categories. At an annual fee of ₹2,999 — reversed on spending ₹6 lakhs per year — the card delivers strong value through its accelerated reward rate on groceries and utility bills, combined with airport lounge access on domestic and international routes. The card's 2X reward acceleration on grocery and supermarket spends makes it particularly valuable for families, as groceries represent one of the largest recurring monthly expenses. At approximately 2% value back on grocery spends, the card effectively pays for itself through grocery rewards alone for most households. Complimentary domestic airport lounge access of 8 visits per year (2 per quarter) provides significant value for frequent travellers, especially those who fly within India multiple times per year for business or leisure. The 2 complimentary international lounge visits are useful for occasional international travellers. The 1% fuel surcharge waiver across all fuel stations — applicable on transactions up to ₹250 per month surcharge amount — provides meaningful savings for daily commuters. The Buy 1 Get 1 movie offer on BookMyShow, valid twice a month, is a popular entertainment benefit for couples. The card requires a minimum annual income of ₹6 lakhs for salaried individuals and is available to Indian residents aged 21-60 years. The ₹6 lakhs annual spending threshold for annual fee reversal is high — approximately ₹50,000 per month — making the free renewal achievable primarily for high spenders. Source: SBI Card official website, updated May 2026.