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  1. Home
  2. Credit Cards
  3. SBI Card
  4. City Union Bank SBI Card PRIME
City Union Bank SBI Card PRIME Credit Card
SBI Card logo
SBI CardMastercard / Visa Network
Verified
Direct Bank Application via Official Issuer Portal
RewardsDiningAirport LoungeCo-BrandedGroceryUtility BillsLifestyle
4.4/5 Editorial Score

City Union Bank SBI Card PRIME

Premium Co-Branded Lifestyle Card with Trident & Vistara Elite Perks

Best Suited For

City Union Bank customers and frequent domestic travelers looking for comprehensive lifestyle memberships and airport lounge access.

RewardsDiningAirport LoungeCo-Branded
Joining Fee

₹2,999

One-time upfront
Annual Fee

₹2,999

Waived on ₹3 lakh annual spend
Base Rewards

2 Reward Points per Rs. 100 on other retail spends

On eligible spends
Airport Lounge

2 Domestic visits/quarter + 4 International visits/year

Complimentary visits
Apply NowCompare CardOfficial Terms
See where this card gets lounge access

Last verified 3 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

4.4/5 Editorial Score

The City Union Bank SBI Card PRIME combines the robust processing powerhouse of SBI Card with City Union Bank's dedicated regional retail banking footprint. Designed to mirror the flagship SBI Card PRIME, this co-branded offering commands an annual fee of ₹2,999 plus GST, which is completely offset by a ₹3,000 e-gift voucher from premier retail brands including Bata, Hush Puppies, Pantaloons, Shoppers Stop, or Yatra. The card delivers outstanding travel and hospitality perks: cardholders receive complimentary Club Vistara Silver Tier membership (alongside 1 upgrade voucher) and Trident Privilege Red Tier membership with 1,000 bonus hotel points upon registration. For travelers, it provides 8 complimentary domestic airport lounge visits per year (2 per quarter) and 4 complimentary international lounge visits via Priority Pass. With 20 reward points per ₹100 spent on dining, groceries, departmental stores, and movies (a solid 5% reward rate), CUB SBI Card PRIME is a powerhouse lifestyle payment instrument.

Ideal For:City Union Bank customers and frequent domestic travelers looking for comprehensive lifestyle memberships and airport lounge access.
RewardsDiningAirport Lounge

Card Strengths

  • ₹3,000 Welcome Gift Voucher: Full joining fee offset with ₹3,000 e-gift voucher from brands like Yatra, Shoppers Stop, Pantaloons, and Bata.
  • Trident & Vistara Elite Tiers: Complimentary Club Vistara Silver Tier and Trident Privilege Red Tier hospitality memberships included.
  • Domestic & International Lounges: 8 complimentary domestic lounge visits per year (2/quarter) plus 4 international visits via Priority Pass.
  • 20 Reward Points on Dining & Groceries: Earn 20 points per ₹100 (5% value back) on dining, groceries, departmental stores, and movie ticketing.
  • Spend-Based Fee Waiver: Annual fee of ₹2,999 is waived upon achieving annual eligible retail spends of ₹3,00,000.

Things to Keep in Mind

  • ₹2,999 Annual Fee: Premium annual fee requirement of ₹2,999 plus GST if milestone spend is not achieved.
  • Standard 3.50% Forex Fee: Charges standard 3.50% foreign currency markup on overseas transactions.
  • Category Reward Caps: 20 reward points on dining and groceries are capped at 5,000 reward points per statement cycle.
  • Reward Redemption Fee: A ₹99 plus GST reward redemption fee applies on every redemption order.

Additional Cardholder Privileges

Lounge
8 visits/year
Domestic Airport Lounge Access

Cardholders receive 8 complimentary domestic airport lounge visits per calendar year, capped at 2 visits per quarter under SBI Set B.

Lounge
4 visits/year
International Airport Lounge Access

Complimentary Priority Pass membership with 4 complimentary international lounge visits per calendar year (max 2 per quarter).

Welcome
Rs. 3,000 voucher
Welcome e-Gift Voucher

Receive an e-Gift Voucher worth Rs. 3,000 from partner brands upon payment of the annual fee.

Fuel
1% waiver
Fuel Surcharge Waiver

1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name
CUB SBI PRIME Rewards
Reward Currency
Reward Points
Base Earn Rate
2 Reward Points per Rs. 100 on other retail spends
Point Value (INR)
₹0.2500 per point
Redemption Channels
Refer to bank rewards portal
Reward Point Expiry
Refer to bank rewards program terms
Category Accelerated Earn RatesPublished Terms
Spend CategoryEarn RateReward CapConditions
Dining, Groceries, Departmental Stores & Movies10 Reward Points per ₹100 spent (2.5% return)No CapStandard terms apply
All Other Retail Spends2 Reward Points per ₹100 spent (0.5% return)No CapStandard terms apply
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
Reward Calculator

Estimate Your Annual Rewards

Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.

Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution
Dining, Groceries, Departmental Stores & Movies2.50%
No published cap
₹
All Other Retail Spends0.50%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
Dining, Groceries, Departmental Stores & Movies₹12,00010 Reward Points per ₹100 spent (2.5% return)—NoneCalculating... Under cap
All Other Retail Spends₹18,0002 Reward Points per ₹100 spent (0.5% return)—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

-₹2,999

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹2999 annual fee.
Multi-card comparator

Milestone Spend Progression

Bonus vouchers and annual fee waiver milestones unlocked as your total spend increases

1
Tier 1 Target
₹3 lakhper year
Worth ₹2,999

Renewal Fee Reversal

Renewal fee reversed on annual retail spends of Rs. 3,00,000 in previous membership year.

*Milestone spend calculation is tracked across eligible retail purchases within each specified billing or calendar period. Excludes cash advances, wallet loads, and EMI conversions.

Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

Domestic Lounge Access

Airports within India
Included
Complimentary Visits
2 complimentary visits per quarter
Spend Requirement
No spend requirement
8 complimentary domestic airport lounge visits per calendar year (2 per quarter)

International Lounge Access

Global airports outside India
Included
Complimentary Visits
4 complimentary visits per year
Spend Requirement
Verification in progress
Access Type
Priority Pass
4 complimentary Priority Pass visits per calendar year (max 2 per quarter)

Planning an upcoming departure?

Verify this card against live departure gates and specific terminal lounges across India.

Check airport coverage →
Alluri Sitarama Raju International Airport (Vizag)VTZ
T1
Participating Lounges
Airr Lounge
View All Airport Cards →
Biju Patnaik International AirportBBI
Terminal 1
Participating Lounges
Bird Lounge
View All Airport Cards →
Chennai International AirportMAA
Terminal 1, T2
Participating Lounges
Travel Club Lounge BTravel Club Lounge
View All Airport Cards →
Chhatrapati Shivaji Maharaj International AirportBOM
Terminal 1B, Terminal 2
Participating Lounges
Adani LoungeTravel ClubAdani East Lounge
View All Airport Cards →
Cochin International AirportCOK
Terminal 1, T3
Participating Lounges
Earth Lounge
View All Airport Cards →
Coimbatore International AirportCJB
Terminal 1
Participating Lounges
Blackberry Lounge
View All Airport Cards →
Devi Ahilya Bai Holkar International AirportIDR
Terminal 1
Participating Lounges
Primus Lounge
View All Airport Cards →
Indira Gandhi International AirportDEL
Terminal 1, Terminal 3
Participating Lounges
Encalm Lounge
View All Airport Cards →
Jaipur International AirportJAI
Terminal 2
Participating Lounges
The Lounge
View All Airport Cards →
Kempegowda International Airport BengaluruBLR
Terminal 2, Terminal 1
Participating Lounges
080 Domestic Lounge080 Domestic Lounge West PH2080 International Lounge
View All Airport Cards →
Manohar International AirportGOX
Terminal 1
Participating Lounges
Encalm Lounge
View All Airport Cards →
Netaji Subhash Chandra Bose International AirportCCU
Terminal 1, T2
Participating Lounges
Travel Club LoungeTravel Club
View All Airport Cards →
Pune International AirportPNQ
T2
Participating Lounges
Elysian Lounge
View All Airport Cards →
Rajiv Gandhi International AirportHYD
Terminal 1
Participating Lounges
Encalm Lounge
View All Airport Cards →
Sardar Vallabh Patel International AirportAMD
Terminal 1, T2
Participating Lounges
The LoungeAdani Silver Lounge-International
View All Airport Cards →
Shaheed Bhagat Singh International AirportIXC
Terminal 1, T2
Participating Lounges
Primus Lounge Domestic T1Primus Lounge - International
View All Airport Cards →
Srinagar International AirportSXR
Terminal 1
Participating Lounges
Paahun The Executive Lounge
View All Airport Cards →
Vadodara International AirportBDQ
Main Terminal
Participating Lounges
Premium Lounge
View All Airport Cards →

Where can I use this card for airport lounge access?

This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.

See where this card gets lounge access
Airport Lounge Checker
Domestic Allowance2 Domestic visits/quarter + 4 International visits/year
Airport Coverage40+ Major Indian Airports
Lounge DirectoryView All Lounge Coverage
Representative Major Airport Lounges:
Delhi (DEL)Mumbai (BOM)Bengaluru (BLR)Hyderabad (HYD)Chennai (MAA)Kolkata (CCU)All 40+ Airports →

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year)
₹2,999
Annual / Renewal Fee (2nd Year Onwards)
₹2,999
Annual Spend Fee Waiver
Waived on ₹3 lakh annual spend
Fee Terms Notes
Welcome e-gift voucher worth ₹3,000 on fee payment; fee waived on ₹3,00,000 spend

2. International Spends

Foreign Currency Markup (Forex)
3.50% + GST
Dynamic Currency Conversion (DCC)
Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges)
Refer to official schedule of charges
Annualized Interest Rate (APR)
Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee
Refer to official schedule of charges
Interest-Free Period
Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges
Refer to official schedule of charges
Fuel Surcharge Waiver
1% fuel surcharge waiver
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Verified Terms & Exclusions Summary

• Eligibility: Salaried or self-employed individuals with existing City Union Bank relationship or qualifying credit profile; minimum age 21 years. • Joining & Annual Fee: ₹2,999 + GST; annual renewal fee waived on annual spends of ₹3,00,000 or more. • Welcome Gift: ₹3,000 multi-brand e-voucher from Shoppers Stop, Pantaloons, Yatra, or Bata upon payment of joining fee. • Travel & Hotel Status: Complimentary Club Vistara Silver Tier membership and Trident Privilege Red Tier membership. • Airport Lounge Privileges: 8 complimentary domestic lounge visits per year (max 2/quarter) and 4 complimentary international lounge visits via Priority Pass. • Accelerated Rewards: 20 reward points per ₹100 on dining, groceries, departmental stores, and movies; 2 reward points per ₹100 on other retail spends (1 point = ₹0.25). • Birthday Bonus: 20 reward points per ₹100 spent on your birthday (capped at 2,000 points per year). • Milestone Rewards: ₹1,000 Pizza Hut e-voucher on quarterly spends of ₹50,000; annual fee waiver on ₹3,00,000 annual spend.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.

Calculate Fee ROI

Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Age Requirement
21 – 70 years
Employment Status
Salaried or Self-Employed
Recommended Credit Score (CIBIL)
Not specified
Residency
Resident Indian
Special Eligibility Notes
Subject to City Union Bank and SBI Card credit underwriting criteria.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding City Union Bank SBI Card PRIME application, fees, reward redemption, and eligibility

What is the joining fee and welcome gift for City Union Bank SBI Card PRIME?
The joining fee is ₹2,999 plus GST. Upon fee settlement, cardholders receive an e-gift voucher worth ₹3,000 redeemable at Yatra, Bata, Shoppers Stop, or Pantaloons.
How many airport lounge visits does CUB SBI Card PRIME provide?
It provides 8 complimentary domestic airport lounge visits per year (up to 2 per quarter) across India and 4 complimentary international visits per year via Priority Pass.
What is the spend milestone for annual fee waiver on CUB SBI Card PRIME?
The annual renewal fee of ₹2,999 is reversed upon spending ₹3,00,000 or more in eligible retail transactions during the preceding card year.
What is the reward point value on City Union Bank SBI Card PRIME?
Each reward point is valued at ₹0.25 when redeemed against statement credit or merchandise on the SBI Card reward catalog.
What is the joining and annual renewal fee for City Union Bank SBI Card PRIME?
The joining fee for City Union Bank SBI Card PRIME is ₹2,999 (one-time), and the annual renewal fee is ₹2,999 from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on City Union Bank SBI Card PRIME be waived?
Yes, the annual renewal fee of ₹2,999 is waived upon achieving annual spends of ₹3 lakh in the preceding card anniversary year.
What are the primary rewards and cashback earn rates on City Union Bank SBI Card PRIME?
City Union Bank SBI Card PRIME offers 2 Reward Points per Rs. 100 on other retail spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does City Union Bank SBI Card PRIME offer complimentary airport lounge access?
Yes, City Union Bank SBI Card PRIME provides 2 Domestic visits/quarter + 4 International visits/year.

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