Punjab & Sind Bank Co-Branded Card with Elite Hotel Status & Global Lounges
Punjab & Sind Bank clients looking for luxury airline and hotel memberships, grocery savings, and comprehensive airport lounge access.
₹2,999
One-time upfront₹2,999
Waived on ₹3 lakh annual spend2 Reward Points per Rs. 100 on other retail spends
On eligible spends2 Domestic visits/quarter + 4 International visits/year
Complimentary visitsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The PSB SBI Card PRIME combines the nationwide digital footprint of SBI Card with Punjab & Sind Bank's trusted banking heritage. Designed for business owners and high-income salaried individuals, it features a joining fee of ₹2,999 plus GST, completely offset by a ₹3,000 welcome voucher from brands such as Yatra, Bata, Shoppers Stop, and Pantaloons. Cardholders receive complimentary Club Vistara Silver Tier membership (with 1 flight upgrade voucher) and Trident Privilege Red Tier status with 1,000 bonus points upon registration. Travelers benefit from 8 complimentary domestic airport lounge visits per year (2 per quarter) plus 4 international lounge visits via Priority Pass. With 20 reward points per ₹100 on dining, groceries, department stores, and movies (5% effective return), PSB SBI Card PRIME is a premier lifestyle asset.
Cardholders receive 8 complimentary domestic airport lounge visits per calendar year, capped at 2 visits per quarter under SBI Set B.
Complimentary Priority Pass membership with 4 complimentary international lounge visits per calendar year (max 2 per quarter).
Receive an e-Gift Voucher worth Rs. 3,000 from partner brands upon payment of the annual fee.
1% fuel surcharge waiver on transactions between Rs. 500 and Rs. 4,000, capped at Rs. 250 per statement cycle.
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Dining, Groceries, Departmental Stores & Movies | 10 Reward Points per ₹100 spent (2.5% return) | No Cap | Standard terms apply |
| All Other Retail Spends | 2 Reward Points per ₹100 spent (0.5% return) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Dining, Groceries, Departmental Stores & Movies | ₹12,000 | 10 Reward Points per ₹100 spent (2.5% return) | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 2 Reward Points per ₹100 spent (0.5% return) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹2,999
Standard renewal+₹0 / yr
Rewards - FeeBonus vouchers and annual fee waiver milestones unlocked as your total spend increases
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.
Domestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Eligibility: Resident Indian salaried or self-employed individuals with Punjab & Sind Bank relationship; minimum age 21 years. • Joining & Annual Fee: ₹2,999 + GST; annual renewal fee waived on annual retail spends of ₹3,00,000. • Welcome Gift: ₹3,000 multi-brand e-voucher from Yatra, Bata, Shoppers Stop, or Pantaloons within 30 days of joining fee payment. • Airline & Hotel Privileges: 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 international visits per year via Priority Pass. • Rewards Acceleration: 20 reward points per ₹100 on dining, groceries, departmental stores, and movies (5% value back); 2 points per ₹100 on other retail spends. • Milestone Vouchers: ₹1,000 Pizza Hut e-voucher on quarterly spends of ₹50,000; renewal fee waiver on ₹3,00,000 annual spend. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹500 and ₹4,000 (maximum waiver ₹250 per statement).
Evaluate whether this card's perks and waiver threshold justify its ₹2,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding PSB SBI Card PRIME application, fees, reward redemption, and eligibility
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Direct online application on the official SBI Card portal with paperless verification.
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Best for: Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers
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Last verified 2 Oct 2026
