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Travel Shopping Airport Lounge

4.4/5 Editorial Score

SBI Card PRIME

Feature-packed premium lifestyle card with Club ITC perks, dual lounge access, and 10X grocery rewards.

Best Suited For

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

Travel Shopping Airport Lounge

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 spent

On eligible spends

Airport Lounge

2 Domestic visits/quarter + 4 International visits/year

Complimentary visits

Apply Now Compare Card Official Terms

See where this card gets lounge access

Last verified 2 Oct 2026

Why Consider This Card?

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

Editorial Verdict

4.4/5 Editorial Score

SBI Card PRIME is designed as an accessible premium lifestyle product bridging everyday household spending with travel privileges. Upon paying the ₹2,999 joining fee, cardholders select a ₹3,000 e-gift voucher from partner brands like Bata, Hush Puppies, Pantaloons, Shoppers Stop, or Yatra, fully recovering the initial cost. For day-to-day spending, it provides 10 Reward Points per ₹100 spent (2.50% return at 1 RP = ₹0.25) on dining, groceries, departmental stores, and movies. Utility bill payments set via standing instructions also earn 10 Reward Points per ₹100 (capped at 3,000 points per month). Travel benefits are robust for its fee segment: 8 complimentary domestic airport lounge visits annually (max 2 per quarter) plus a complimentary Priority Pass membership with 4 international lounge visits per calendar year (max 2 per quarter). Milestone perks include a ₹1,000 Pizza Hut e-voucher on ₹50,000 quarterly spend and a ₹7,000 Yatra/Pantaloons voucher on ₹5,00,000 annual spend. Limitations include the modest base earn rate of 0.50% (2 points per ₹100) on general retail, the ₹99 reward redemption fee, and a standard 3.50% forex markup. Who should consider it: Cardholders spending ₹3 Lakhs to ₹5 Lakhs annually across groceries, dining, and utility bills who want both domestic and international airport lounge access. Who should look elsewhere: High international spenders needing low forex markup (who should consider SBI ELITE or AU Zenith+) or pure cashback seekers.

Ideal For:Mid-to-High Spenders, Dining & Grocery Shoppers & Domestic/International Travelers

Travel Shopping Airport Lounge

Card Strengths

₹3,000 welcome gift voucher (Bata, Yatra, Shoppers Stop) fully offsets the ₹2,999 joining fee
10 Reward Points per ₹100 (2.50% return) on dining, groceries, departmental stores, and movies
8 complimentary domestic airport lounge visits per year (2 per quarter)
4 complimentary international airport lounge visits outside India via Priority Pass
₹1,000 quarterly Pizza Hut voucher on spending ₹50,000 per quarter

Things to Keep in Mind

Base earn rate on general retail spends is modest at 0.50% (2 points per ₹100)
Standard foreign exchange markup of 3.50% on international transactions
Reward redemption processing fee of ₹99 + GST applies per redemption request
Annual fee waiver requires a relatively high ₹3,00,000 annual spend

Additional Cardholder Privileges

Rewards

10 RPs/₹100 Spent on Dining, Groceries, Movies, and Departmental Stores (Reward Rate ~2.5%). 2 RPs/₹100 for All Other Eligible Spends (Reward Rate ~0.5%)

Welcome

Welcome Benefit 1

Voucher Worth ₹3,000 from Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons

Rewards & Cashback Structure

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

Reward Program Name: SBI PRIME Rewards
Reward Currency: Reward Points
Base Earn Rate: 2 Reward Points per Rs 100 spent
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 Category	Earn Rate	Reward Cap	Conditions
Birthday Spends	20 Reward Points per ₹100 spent on Birthday (max 2,000 pts)	2,000 Reward Points/mo	Standard terms apply
Utility Bill Payments via Standing Instruction	10 Reward Points per ₹100 on utility bill payments (max 3,000 pts/mo)	3,000 Reward Points/mo	Standard terms apply
Dining, Groceries, Departmental Stores & Movies	10 Reward Points per ₹100 spent (2.5% valueback)	No Cap	Standard terms apply
All Other Retail Spends	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	No Cap	Standard terms apply

Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

Estimate Your Custom Monthly Rewards

Calculate estimated net cashback and points across your actual spending pattern.

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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.

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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

Birthday Spends5.00%

Cap: ₹2,000/monthly

₹

Utility Bill Payments via Standing Instruction2.50%

Cap: ₹3,000/monthly

₹

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 Bucket	Monthly Spend	Rate	Effective Rate	Cap Period	Eligible Reward	Cap Status
Birthday Spends	₹4,000	20 Reward Points per ₹100 spent on Birthday (max 2,000 pts)	—	₹2,000/monthly	Calculating...	Under cap
Utility Bill Payments via Standing Instruction	₹4,000	10 Reward Points per ₹100 on utility bill payments (max 3,000 pts/mo)	—	₹3,000/monthly	Calculating...	Under cap
Dining, Groceries, Departmental Stores & Movies	₹4,000	10 Reward Points per ₹100 spent (2.5% valueback)	—	None	Calculating...	Under cap
All Other Retail Spends	₹18,000	2 Reward Points per ₹100 spent (1 RP = ₹0.25)	—	None	Calculating...	Under cap
Total Monthly Cashback	₹30,000	-	—	-	₹0 / mo	Zero 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

Tier 1 Target

₹50,000per quarter

Worth ₹1,000

Quarterly Pizza Hut Milestone

Pizza Hut e-voucher worth Rs 1,000 on spending Rs 50,000 in a calendar quarter.

Tier 2 Target

₹5 lakhper year

Worth ₹7,000

Annual Spend Gift Voucher

Yatra.com / Pantaloons gift voucher worth Rs 7,000 on annual retail spends of Rs 5 Lakhs.

*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

2 complimentary domestic airport lounge visits per calendar quarter (8 visits per year) in India

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 international airport lounge visits per calendar year via Priority Pass

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

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 B Travel Club Lounge

View All Airport Cards →

Chhatrapati Shivaji Maharaj International AirportBOM

Terminal 2, Terminal 1B

Participating Lounges

Travel Club Adani Lounge Adani 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 1, Terminal 2

Participating Lounges

080 Domestic Lounge West PH2 080 Domestic Lounge 080 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 Lounge Travel Club

View All Airport Cards →

Pune International AirportPNQ

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 Lounge Adani Silver Lounge-International

View All Airport Cards →

Shaheed Bhagat Singh International AirportIXC

Terminal 1, T2

Participating Lounges

Primus Lounge Domestic T1 Primus 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: ₹2,999 joining fee and ₹2,999 annual renewal fee. Renewal fee is waived upon spending ₹3,00,000 or more in the preceding anniversary year.

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

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

Fee Structure: ₹2,999 + GST joining fee and ₹2,999 + GST annual renewal fee. Renewal fee is waived on annual spends of ₹3,00,000 or more. Welcome Benefit: E-gift voucher worth ₹3,000 from choice of partners: Bata/Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop, or Yatra.com. Rewards Accrual: 10 Reward Points per ₹100 spent on Dining, Groceries, Departmental Stores, and Movies (2.50% return; 4 RP = ₹1). Utility bill payments via Standing Instructions earn 10 Reward Points per ₹100, capped at 3,000 points per month. All other retail spends earn 2 Reward Points per ₹100 (0.50% return). Birthday spends earn 20 points per ₹100 (capped at 2,000 points per calendar year). Domestic Lounge Access: 8 complimentary domestic airport lounge visits per calendar year (maximum 2 visits per calendar quarter) via Visa/Mastercard network lounge program. International Lounge Access: Complimentary Priority Pass membership with 4 complimentary international airport lounge visits per calendar year outside India (maximum 2 visits per quarter). Milestone Rewards: ₹1,000 Pizza Hut e-voucher on quarterly retail spend of ₹50,000. ₹7,000 e-gift voucher from Yatra.com or Pantaloons on reaching ₹5,00,000 annual spend. Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹500 and ₹4,000, capped at ₹250 per statement cycle.

Is the Annual Fee Worth It?

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

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Eligibility & Application Requirements

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

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

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

What is the welcome gift on SBI Card PRIME?

Upon payment of the ₹2,999 joining fee, cardholders receive an e-gift voucher worth ₹3,000 from partner brands including Yatra.com, Bata/Hush Puppies, Pantaloons, Shoppers Stop, or Aditya Birla Fashion.

How many airport lounge visits does SBI Card PRIME include?

SBI Card PRIME includes 8 complimentary domestic airport lounge visits per calendar year (max 2 per quarter) plus 4 complimentary international lounge visits per calendar year via Priority Pass (max 2 per quarter).

What is the reward point value and earn rate on groceries for SBI PRIME?

Cardholders earn 10 Reward Points per ₹100 on groceries, dining, departmental stores, and movies. With 4 Reward Points = ₹1 (₹0.25 per point), this equals a 2.50% reward return.

How can the annual renewal fee of ₹2,999 be waived?

The annual renewal fee of ₹2,999 is waived if your cumulative eligible retail spends reach or exceed ₹3,00,000 in the preceding anniversary year.

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

The joining fee for 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 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 SBI Card PRIME?

SBI Card PRIME offers 2 Reward Points per Rs 100 spent. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.

Does SBI Card PRIME offer complimentary airport lounge access?

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

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Spend Category

Earn Rate

Reward Cap

Conditions

Birthday Spends

20 Reward Points per ₹100 spent on Birthday (max 2,000 pts)

2,000 Reward Points/mo

Standard terms apply

Utility Bill Payments via Standing Instruction

10 Reward Points per ₹100 on utility bill payments (max 3,000 pts/mo)

3,000 Reward Points/mo

Standard terms apply

Dining, Groceries, Departmental Stores & Movies

10 Reward Points per ₹100 spent (2.5% valueback)

No Cap

Standard terms apply

All Other Retail Spends

2 Reward Points per ₹100 spent (1 RP = ₹0.25)

No Cap

Standard terms apply

Category / Reward Bucket

Monthly Spend

Rate

Effective Rate

Cap Period

Eligible Reward

Cap Status

Birthday Spends

₹4,000

20 Reward Points per ₹100 spent on Birthday (max 2,000 pts)

—

₹2,000/monthly

Calculating...

Under cap

Utility Bill Payments via Standing Instruction

₹4,000

10 Reward Points per ₹100 on utility bill payments (max 3,000 pts/mo)

—

₹3,000/monthly

Calculating...

Under cap

Dining, Groceries, Departmental Stores & Movies

₹4,000

10 Reward Points per ₹100 spent (2.5% valueback)

—

None

Calculating...

Under cap

All Other Retail Spends

₹18,000

2 Reward Points per ₹100 spent (1 RP = ₹0.25)

—

None

Calculating...

Under cap

Total Monthly Cashback

₹30,000

—

₹0 / mo

Zero cap loss