Karnataka Bank SBI Card PRIME Review (2026): Rewards, ₹2,999 Fee & Apply

Biju Patnaik International AirportBBI

Terminal 1

Participating Lounges

Bird Lounge

Chennai International AirportMAA

Terminal 1, T2

Participating Lounges

Travel Club Lounge B Travel Club Lounge

Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 2, Terminal 1B

Participating Lounges

Travel Club Adani Lounge Adani East Lounge

Cochin International AirportCOK

Terminal 1, T3

Participating Lounges

Earth Lounge

Coimbatore International AirportCJB

Terminal 1

Participating Lounges

Blackberry Lounge

Devi Ahilya Bai Holkar International AirportIDR

Terminal 1

Participating Lounges

Primus Lounge

Indira Gandhi International AirportDEL

Terminal 3, Terminal 1

Participating Lounges

Encalm Lounge

Jaipur International AirportJAI

Terminal 2

Participating Lounges

The Lounge

Kempegowda International Airport BengaluruBLR

Terminal 1, Terminal 2

Participating Lounges

080 Domestic Lounge West PH2 080 Domestic Lounge 080 International Lounge

Manohar International AirportGOX

Terminal 1

Participating Lounges

Encalm Lounge

Netaji Subhash Chandra Bose International AirportCCU

Terminal 1, T2

Participating Lounges

Travel Club Lounge Travel Club

Pune International AirportPNQ

T2

Participating Lounges

Elysian Lounge

Rajiv Gandhi International AirportHYD

Terminal 1

Participating Lounges

Encalm Lounge

Sardar Vallabh Patel International AirportAMD

Terminal 1, T2

Participating Lounges

The Lounge Adani Silver Lounge-International

Shaheed Bhagat Singh International AirportIXC

Terminal 1, T2

Participating Lounges

Primus Lounge Domestic T1 Primus Lounge - International

Srinagar International AirportSXR

Terminal 1

Participating Lounges

Paahun The Executive Lounge

Vadodara International AirportBDQ

Main Terminal

Participating Lounges

Premium Lounge

See where this card gets lounge access

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.

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: Existing Karnataka Bank savings/current account holders or qualified salaried and self-employed applicants. • Joining & Annual Fee: ₹2,999 + GST; annual fee waived on cumulative annual spends of ₹3,00,000. • Welcome Benefit: ₹3,000 e-gift voucher from Yatra, Shoppers Stop, Pantaloons, or Bata within 30 days of joining fee payment. • Hospitality Memberships: Trident Privilege Red Tier membership and Club Vistara Silver Tier membership privileges. • Airport Lounges: 8 complimentary domestic lounge visits per year (max 2/quarter) and 4 international visits per year via Priority Pass. • Reward Structure: 20 reward points per ₹100 on dining, groceries, department stores, and cinema tickets; 2 points per ₹100 on other spends (1 point = ₹0.25). • Milestone Rewards: ₹1,000 Pizza Hut voucher on spending ₹50,000 per calendar quarter; fee waiver on ₹3,00,000 annual spend. • Fuel Surcharge: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000 (up to ₹250 per statement).

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 Karnataka 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 Karnataka Bank SBI Card PRIME application, fees, reward redemption, and eligibility

How do I get the ₹3,000 welcome voucher on Karnataka Bank SBI Card PRIME?

Pay your joining fee of ₹2,999 plus GST and select your preferred e-voucher brand (Yatra, Bata, Shoppers Stop, or Pantaloons) via SMS or the SBI Card mobile app within 30 days.

Does Karnataka Bank SBI Card PRIME offer international lounge access?

Yes, it includes a complimentary Priority Pass membership with 4 complimentary international airport lounge visits per calendar year.

How many domestic lounge visits are included?

The card includes 8 complimentary domestic airport lounge visits per year, capped at 2 visits per calendar quarter.

What is the annual spend required to waive the renewal fee?

The renewal fee of ₹2,999 is reversed when you achieve annual eligible retail spends of ₹3,00,000 or more in the preceding anniversary year.

What is the joining and annual renewal fee for Karnataka Bank SBI Card PRIME?

The joining fee for Karnataka 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 Karnataka 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 Karnataka Bank SBI Card PRIME?

Karnataka 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 Karnataka Bank SBI Card PRIME offer complimentary airport lounge access?

Yes, Karnataka Bank SBI Card PRIME provides 2 Domestic visits/quarter + 4 International visits/year.

Similar Cards to Compare

Alternative credit cards with comparable reward rates, annual fee waivers, and perks

Rewards

SBI Card

PSB SBI Card PRIME

•••• •••• •••• Card2026

SBI Card Verified

PSB SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

Best for: Punjab & Sind Bank clients looking for luxury airline and hotel memberships, grocery savings, and comprehensive airport lounge access.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

Rewards

SBI Card

City Union Bank SBI Card PRIME

•••• •••• •••• Card2026

SBI Card Verified

City Union Bank SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

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

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

Rewards

SBI Card

Karur Vysya Bank SBI Card PRIME

•••• •••• •••• Card2026

SBI Card Verified

Karur Vysya Bank SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

Best for: Karur Vysya Bank account holders wanting luxury airline/hotel memberships, grocery savings, and international travel convenience.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

Rewards

SBI Card

South Indian Bank SBI Card PRIME

•••• •••• •••• Card2026

SBI Card Verified

South Indian Bank SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

Best for: South Indian Bank account holders seeking elite airline and hotel tier privileges, grocery rewards, and domestic & international airport lounge access.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

Rewards

SBI Card

UCO Bank SBI Card PRIME

•••• •••• •••• Card2026

SBI Card Verified

UCO Bank SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

Best for: UCO Bank patrons and frequent flyers seeking luxury hotel memberships, grocery savings, and domestic & international airport lounge access.

Rewards: 2 Reward Points per Rs. 100 on other retail spends

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend

Last verified 3 Oct 2026

Travel

SBI Card Verified

SBI Card PRIME

Joining Fee₹2,999

Renewal Fee₹2,999

NetworkMastercard / Visa

Best for: Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers

Rewards: 2 Reward Points per Rs 100 spent

Lounge access: 2 Domestic visits/quarter + 4 International visits/year

Renewal fee waived on ₹3,00,000 annual spend