State Bank of India
Signature · PRIME
SBI Card PRIME
State Bank of India
Earn rewards on every spend with birthday bonuses and lounge access
Annual Fee
₹2,999
Joining Fee
₹2,999
Reward Rate
0.5%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹14,461
Total Annual Benefits
₹18,000
Total Annual Charges
₹3,539
ROI
409%
Fee Waiver Available
Annual fee waived on spending ₹3 Lakh in the preceding year — ₹3,00,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Airport Lounge Access (1)
Domestic Lounge Access
8 complimentary domestic airport lounge visits per year (2 per quarter)
- • 2 complimentary visits per quarter at domestic airports
8 visits/year
₹20,000/yr
Reward Points (2)
2 Reward Points per ₹100 on All Spends
Earn 2 reward points per ₹100 on all retail transactions
2 RP per ₹100
10X Reward Points on Birthday Spends
Earn 10X reward points on all spends made on your birthday
- • Valid only on the cardholder's birthday
- • All categories eligible
10X on birthday
Fuel Benefits (1)
Fuel Surcharge Waiver
1% fuel surcharge waiver on transactions between ₹500–₹4,000
- • Valid on transactions ₹500–₹4,000
- • Max ₹250 per statement cycle
1% waiver
₹3,000/yr
Dining Benefits (1)
Dining Privileges
Up to 15% discount at partner restaurants across India
- • Select partner restaurants only
Up to 15% off
Reward Program
Program
SBI Reward Points
2 RP per ₹100 (10X on birthday)
Effective cashback: 0.50%
Points expire: 2 years from date of accrual
Redemption Options
- → Products & Vouchers (1 RP = ₹0.25)
- → Flights & Hotels
- → Cashback (1 RP = ₹0.20)
- → Statement Credit
Bonus Categories
Birthday
10x multiplier
20 RP per ₹100 on birthday spends
Milestone Bonuses
10,000 bonus reward points on spending ₹3 Lakh annually
Spend ₹3,00,000 annually
10,000 Reward Points
20,000 bonus reward points on spending ₹5 Lakh annually
Spend ₹5,00,000 annually
20,000 Reward Points
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹2,999 Excluding 18% GST |
| Annual Fee | ₹2,999 Excluding 18% GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.5%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Fuel Surcharge Waiver
1% waiver on transactions between ₹500 – ₹4,000. Max waiver: ₹250/cycle.
Eligibility
Requirements
- Min. Monthly Income
- ₹40,000
- Min. Annual Income
- ₹4,80,000
- Min. Credit Score
- 720
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Minimum monthly income ₹40,000
- • Self-Employed: Minimum ITR of ₹4.8 Lakh p.a.
- • Age 21–65 years
- • Good credit history required
Insurance Coverage
Accidental Death
₹5.0 L
Permanent Disability
₹5.0 L
- • Accidental death cover: ₹5 Lakh
Airport Lounge Access
Domestic
8 visits/year
2 per quarter
~₹2,500/visit
International
0 visits/year
Not available
Dreamfolks
- • Domestic: 2 complimentary visits per quarter at select airport lounges
Transaction Limits
ATM Withdrawal / Day
₹40,000
POS & E-Commerce / Day
₹3,00,000
Contactless / Txn
₹5,000
Features
Contactless payments EMV chip security Global acceptance Add-on cards available EMI conversion facility Birthday bonus rewards Exclusive dining offers Airport lounge access
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12, 18, 24 months
Processing Fee
1%
Ready to Apply?
The SBI Card PRIME is a premium credit card offering 2 reward points per ₹100 on all spends, 10X reward points on birthday spends, complimentary domes...
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