Premium
SBI Card PRIME
SBI 6.3
CardTrail Score
Decent
out of 10
Annual Fee
₹2,999
Spend ₹3L/year
Forex Markup
1.99%
Reward Rate
0.5%
Up to 5%
Lounge Access
8
domestic | 4 intl
About This Card
SBI Card PRIME is a mid-tier premium card with solid dining rewards and competitive forex. The welcome vouchers worth ₹3,000 effectively make the first year free. Decent choice for SBI customers, but HDFC Regalia Gold offers better overall value.
Pros & Cons
Pros
- Good dining rewards (5X)
- Competitive 1.99% forex
- 8+4 lounge visits
- ₹3K welcome vouchers
Cons
- 0.5% base rate is poor
- SBI reward redemption is clunky
- ₹3L waiver is moderate
- Lags behind HDFC/Axis at same tier
Fee Details
Annual Fee
₹2,999
Joining Fee
₹2,999
Fee Waiver Condition
Spend ₹3L/year
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes
Reward Structure
Base Rate
0.5%
Max Rate
5%
Currency
Reward Points
Welcome Bonus
e-Gift vouchers worth ₹3,000
Lounge Access
Domestic Lounges
8
per year
International Lounges
4
per year
Key Highlights
- + 5X on dining, departmental stores, movies
- + 1.99% forex markup
- + Complimentary Dineout Plus membership
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Quick Summary
Best For
travel dining
Annual Fee ₹2,999
Base Reward 0.5%
Max Reward 5%
Forex Markup 1.99%
Network Visa Signature
Min Income ₹4L+
CardTrail Score
Best For
travel dining entertainment
