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SBI Prime

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Annual Fee

₹2,999

Reward Type

Points

Forex

3.5%

Lounge

8 dom · 4 intl

Full Spec Sheet

Multi-source Verified

Fees

Joining Fee₹2,999
Annual Fee₹2,999(waived ≥ ₹3,00,000)
Min Monthly Income₹35,000

Rewards

Reward TypePoints
Base Rate0.5%
Point Value₹0.25/point

Category Multipliers

dining5%movies5%grocery5%

Redemption Values

statement credit₹0.25/pt

Travel & Global

Forex Markup3.5%
Domestic Lounge8 visits/yr
Intl. Lounge4 visits/yr
Lounge NetworkPriority Pass

India-Specific

Fuel Surcharge✓ 1% waiver

Similar Cards

Kotak Zen (97%) →Axis Privilege (94%) →IDBI Bank Royale Signature (94%) →Kotak Veer Platinum (94%) →HDFC Diners Club Privilege (93%) →

💡 Fee Waiver Strategy

Spend ₹3L/year to waive ₹2,999 renewal fee.

⚖️ Breakeven Analysis

To recover the ₹2,999 annual fee at the base reward rate of 0.5%, you need to spend ₹5,99,800 annually.

🎯 Pro Tips

  • ▸Good milestone benefits (Pizza Hut vouchers).

📊 Spend Profile Simulator

Spend Profile Simulator

Net Annual Value

+₹3,901

Effective Rate

0.3%

Ranked #115 of 173 cards#115

₹2,999 annual fee deducted from gross rewards value.

🏷️ Best For

lifestylegrocerytravel