Annual fee₹2,999+ GST
Forex markup3.5%
Interest3.75%a month
NetworkVisa / Mastercard / American Express
You earn
Perks & rules
What changed
1 Apr 2026Points can be redeemed as statement credit only in multiples of 4,000, up to 60,000 points per card a month
1 Nov 20251% fee on wallet loads above ₹1,000 and on education payments made through third-party apps
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points
Base rate2 points per ₹100 spent
Higher rates
- Dining, grocery, movies: 10 points per ₹100 on dining, departmental stores, grocery and movies
- Birthday: 20 points per ₹100 on your birthday, the day before and the day after (no other bonus in those 3 days)
- Utility auto-pay: 20 points per ₹100 on utility bill standing instructions, only for ones registered on SBI Card platforms up to 31 Mar 2021
Limits
- Dining/grocery/departmental/movies bonus: up to 7,500 points a calendar month
- Birthday bonus: up to 2,000 points a year
- Utility auto-pay bonus: up to 3,000 points a month
- No bonus at Metro Cash & Carry, Flipkart Wholesale or Walmart
Doesn't earn on
- Fuel (MCC 5172, 5541, 5542, 5983)
- Wallet loads (MCC 6540, 6541)
- Cash, balance transfer, fees and charges
- Points taken back on EMI conversions and on spends that get a cashback or instant-discount offer
Where it landsTo your card account; balance shown in the monthly statement
What a point is worth
Value4 points = ₹1 against your bill (statement credit)
Expiry24 months; lapse on the last day of the 24th month
Redemption fee₹99 + GST per redemption for statement credit or physical products
Welcome benefit
Welcome₹3,000 e-gift vouchers (Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop) after paying the fee
Milestones
Milestones
- ₹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 yearly spend
Airport lounges
Domestic8 visits a year (max 2 a quarter)
International4 Priority Pass visits a year outside India (max 2 a quarter); Priority Pass membership free
Fuel
Fuel1% surcharge waiver on ₹500–₹4,000; up to ₹250 a statement cycle; no points on fuel
Spending abroad
Forex markup3.5%
Fees
Joining fee₹2,999 + GST
Annual fee₹2,999 + GST from the second year
Fee waiverRenewal fee waived on ₹3 lakh spend in the previous year
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil up to ₹100); +₹100 if minimum due missed twice in a row
InterestUp to 3.75% a month (45% a year)
Cash withdrawal2.5% or ₹500, whichever is higher
Who can apply
AgeNot stated on product page
SalariedNot stated on product page
Self-employedNot stated on product page
More perks
Perks
- 1-year Club ITC Silver tier membership
- Air accident cover ₹50 lakh; card fraud liability cover ₹1 lakh
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- SBI Card PRIME product page Product page · 2 Oct 2026
- SBI Card PRIME T&C booklet Card T&C · 2 Oct 2026
- SBI Card Shop & Smile Rewards Program T&C Rewards T&C · 2 Oct 2026
- SBI Card Most Important Terms & Conditions Fee schedule · 2 Oct 2026
- SBI Card PRIME detailed offer T&C (Club ITC) Offer T&C · 2 Oct 2026
Card image: SBI Card's own website.
