SBI PRIME Credit Card Review (2026)
SBI's value premium card. 5x on dining and groceries, 4x on online shopping, with 8+4 lounge visits — all at a lower threshold than the Elite.
Last updated: 2026-04-04· By PointsWallah Editorial
Fee Details
| Annual Fee | ₹2,999 |
| Joining Fee | ₹2,999 |
| Fee Waiver | Spend 3L in a year |
| Income Required | ₹8L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: SBI Reward Points
Milestone Benefits
3,000 bonus reward points on spending 3L
Lounge Access
Our Review
The PRIME sits between SBI's SimplyCLICK and Elite, and for many people it's the sweet spot. You get the same 5x on dining and groceries as the Elite, 8 lounge visits instead of unlimited, but at 2,999 vs 4,999 and a lower income requirement. The 4x on online spends is a nice addition the Elite doesn't have. If you spend heavily on groceries (BigBasket, DMart, Zepto) and dining (both Swiggy/Zomato and restaurants), the category earn rates make this card punch above its weight. The honest call: if you fly more than 6 times a year and need unlimited lounges, pay up for Elite. Otherwise, PRIME gives you 80% of Elite's value at 60% of the cost.
Pros & Cons
Pros
- + 5x on dining, grocery, and department stores — covers daily spending well
- + 4x on online spends — decent for e-commerce
- + 8 domestic + 4 international lounge visits
- + Lower income requirement than Elite (8L vs 12L)
Cons
- - 2x base rate on uncategorized spends is mediocre
- - SBI reward point value is low (~0.25/point)
- - Fee waiver at 3L is standard but not exceptional
- - Competes with Elite which offers unlimited domestic lounges for 2K more
Best For
Frequently Asked Questions
Is the SBI PRIME Credit Card worth it in 2026?
It depends on your spending. The SBI PRIME Credit Card costs ₹2,999/year (waiver: Spend 3L in a year). With an effective base return of 0.5%, you'd need to spend approximately ₹6.0L per year just to break even on the fee. If your annual spend exceeds that, the card earns you money.
What is the SBI PRIME Credit Card annual fee?
The SBI PRIME Credit Card has an annual fee of ₹2,999. Joining fee is also ₹2,999. Fee waiver: Spend 3L in a year.
What is the minimum salary required for SBI PRIME Credit Card?
The minimum annual income required for the SBI PRIME Credit Card is ₹8L. However, if you have an existing banking relationship with SBI Card, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on SBI Card's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.