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Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
2.50% on Dining
10X reward points on dining
2.50% on Groceries
10X points on grocery spends
Airport Lounge Access
2 complimentary visits per quarter at domestic and international airport lounges
Annual Fee Waiver
Fee of ₹2,999/yr fully waived when you spend ₹3,00,000/year
Movie Ticket Benefit
2 complimentary movie tickets per month via BookMyShow
Milestone Bonus
~₹3,000 in bonus rewards on hitting annual spend milestones
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
2/month
Free movie tickets
3%
OTT cashback rate
- 2 complimentary movie tickets per month via BookMyShow
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
8 visits/yr
Domestic lounges
₹8,000
Estimated annual value
3.5%
Forex markup
2.5%
Travel reward rate
- Domestic airport lounge access (8 visits/yr, worth ~₹8,000)
- 2.5% effective return on travel bookings
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
₹3,000
Milestone bonus value
- ₹3,000 reward voucher on ₹4L annual spend
Vikram is an SBI account holder who dines out three times a week and occasionally catches weekend films. SBI Prime gives 10X reward points on dining, grocery, movies, and utility bills — his ₹5,000/month dining spend earns ₹1,500/year. Add 8 free domestic lounge visits, 2 free movie tickets/month (₹2,400/year), and Club Vistara Silver membership. Total perk value: ₹12,000+ on a ₹2,999 fee waived at ₹3L spend.
Who is this for?
For SBI account holders who dine out regularly, travel domestically 3–4 times a year, and watch movies in theatres. The Club Vistara Silver membership alone gives you bonus Vistara miles and priority check-in — a sleeper benefit that frequent Vistara flyers love.
At a glance
Full reward structure
What you earn on every rupee, per spend category. Rates assume 1 pt = ₹0.25. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Dining | reward points | 2.50% | — |
| Groceries | reward points | 2.50% | — |
| OTT & Entertainment | reward points | 2.50% | — |
| Travel | reward points | 2.50% | — |
| Other | reward points | 0.50% | — |
Dining: 10X reward points on dining
Groceries: 10X points on grocery spends
OTT & Entertainment: 10X points on OTT subscriptions
Travel: 10X points on travel bookings
Other: 2X base reward points on all other spends
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying.
Perks & benefits
Estimated annual value beyond rewards.
8 complimentary domestic airport lounge visits per year
2 complimentary movie tickets per month via BookMyShow
₹3,000 reward voucher on ₹4L annual spend
1% fuel surcharge waiver (up to ₹100/month)
Should you get it?
- Best for: Frequent travellers, Higher spenders
- Premium tier — a solid all-rounder for steady monthly spend.
- Strongest value if you spend heavily on Dining (2.50% back).
- Frequent travellers benefit from the included airport lounge access.
Pros
- Strong rewards that can offset the annual fee for the right spender
- Premium lifestyle perks (lounge, concierge, milestone benefits)
- Lower forex markup, friendlier for international spend
Cons
- Annual fee applies unless the spend-based waiver is met
- Higher income / eligibility bar
Eligibility & documents
DOCUMENTS REQUIRED
- 📄PAN card
- 📄Aadhaar / valid address proof
- 📄Latest 3 months bank statement
- 📄Income proof — salary slips (salaried) or ITR (self-employed)
- 📄Recent passport-size photograph
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Statement credit / cashback adjustment
- 🎁Online rewards catalogue (vouchers, merchandise)
- 🎁Flight & hotel bookings via the issuer rewards portal
- 🎁Airline / hotel partner point transfers (on eligible cards)
What your sbi reward points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Capped at 60,000 pts/month from Apr 2026
Vouchers & merchandise
The concern
The Vistara benefits face an uncertain future post Air India merger — a chunk of the card's prestige value is in transition.
Bottomline
CardAdvisor Rating: 4.1 / 5Prime is SBI's best all-rounder: real dining/grocery earn, movie tickets, lounge quota, and airline/hotel status memberships that premium cards charge triple for. At ₹2,999 with an achievable waiver, the bundle quietly outvalues flashier rivals.
SOURCES & VERIFICATION
Fees, reward rates, and benefits for the SBI Card PRIME are taken from SBI's official Most Important Terms & Conditions (MITC) and fee schedule — see the issuer's official page. Last verified 1 Jan 2025. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
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