Credit Card Compare

SBI Card PRIME

Data last updated 23 October 2026
45.00%
Purchase rate
₹2,999
Annual fee
50 days
Interest-free
Application

CardIQ

70Strong

Strong

Overall score, out of 100 · How this works

  • Airport lounge72
  • Rewards78
  • Sign-up bonus56
  • Travel75

Customer reviews

No reviews yet. Be the first to review the SBI Card PRIME.

Pros & cons

What's good

  • Complimentary airport lounge access (12 visits a year).
  • No fee to add an additional cardholder.

Worth noting

  • Annual fee Rs. 2,999 + taxes in year 1; renewal fee Rs. 2,999 + taxes from year 2 onwards. Taxes not included in stated fee. Renewal fee waived on annual spends of Rs. 3 lakhs or more in the preceding year. The ₹2,999 annual fee is still high for a Platinum card, where the typical fee is about ₹1,250.
  • The 20-point rate on utility bill payment via standing instructions (up to 3,000 points) applies only to the first ₹3,000 spent each statement period, then drops to a lower rate.
  • No balance transfer or introductory purchase offer.
  • Up to 50 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Platinum
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
SBI Card Reward Points

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
Not published
Minimum income
Not specified
Residency
Not published
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
₹2,999 p.a.
Cash advance fee
—
Foreign transaction fee
3.5%
Late payment fee
₹1,300
Over limit fee
₹600

Repayments

Interest-free period
Up to 50 days on purchases
Minimum repayment
Minimum Amount Due: 100% of GST + 100% of EMI amount + 100% of Fees/Charges + 100% of Finance charges + Overlimit Amount (if any) + 2% of remaining balance outstanding or Rs. 200, whichever is greater.

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
None
Bonus categories
None
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Reward Points are valid for 24 months; expire on the last day of the 24th month if not redeemed.

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Purchase rate45.00%Top 10% (4th of 49 cards)
Interest-free days50 daysTop 10% (3rd of 24 cards)
Overseas fee3.50%Better than most (14th of 49 cards)
Annual fee₹2,999 a yearNot as good as most cards (39th of 49 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Questions and answers

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
SBI Card