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City Union Bank PRIME SBI Card
SBI • Visa

City Union Bank PRIME SBI Card

SBI PRIME partner variant with stronger category rewards and mid-premium lifestyle positioning.

Annual Fee₹2999Waived on issuer-defined annual spend threshold
Base Reward1.0%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹-1,799Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Annual fee
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹3,600

Assumes base reward rate only.

Annual fee₹2,999

Waived on issuer-defined annual spend threshold

Net value₹601

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping
2.0%
Dining
2.0%
Travel
1.5%
Basedefault
1.0%

Insights

Verified card-level notes, best use-cases, and watchouts.

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Insights

  • City Union Bank PRIME SBI Card is best positioned as a shopping + travel specialist rather than a universal all-spend card.
  • Its current reward model is anchored around 2.0% on shopping-aligned lanes, while broad base return remains closer to 1.0%.
  • No mapped complimentary lounge footprint currently contributes to card value, so spend economics are the primary decision factor.

Best Utilization

  • Route this card to shopping and travel spends first, then shift spillover transactions to stronger category alternatives.
  • Track statement outcomes monthly to confirm that expected reward credits are posting in the intended merchant/category buckets.
  • Maintain break-even discipline against the annual fee of INR 2,999 and reduce allocation if annual net value weakens.

Watchouts

  • points-value realization depends on redemption choice and transfer use
  • No complimentary lounge access is currently mapped for this card.
  • Category caps, partner restrictions, and MCC-level exclusions can materially reduce realized value versus headline promotion copy.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

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Offer Truth

  • Joining fee₹2,999
  • Annual fee₹2,999
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹0.25
  • Travel value/point₹0.25
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports7
  • Approval reports4

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

Step 1

PhonePe SBI Card SELECT BLACK

Annual fee: Free

Shared focus: Travel+42 more lounge visits in current datasetEstimated +₹4,073/yr value
View Details
Step 2

SBI Card MILES PRIME

Annual fee: ₹2999

Shared focus: Travel, Premium+30 more lounge visits in current datasetHigher top earn rate (4.0%)
View Details
Step 3

SBI Prime

Annual fee: ₹2999

Shared focus: Lifestyle+30 more lounge visits in current datasetHigher top earn rate (5.0%)
View Details

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for City Union Bank PRIME SBI Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

Waived on issuer-defined annual spend threshold

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer

20,000
Estimated points20,000per year
→
Estimated redemption value₹5,000@ ₹0.25 / point

Typical voucher/cash-like path

Voucher / statement-style value

Illustration only. Final value depends on issuer program terms, partner ratios, and redemption availability at time of use.

Key Benefits

  • Higher reward potential vs SimplySAVE-tier cards
  • Travel and lifestyle benefits aligned to PRIME segment
  • Fee waiver path on spend threshold achievement
  • Useful bridge before full premium ELITE tier

Things to Consider

  • Annual fee can dilute value at lower annual spend
  • Rewards and benefits are cap-bound and policy dependent
  • Redemption route strongly affects real value realization

About City Union Bank PRIME SBI Card

City Union Bank PRIME SBI Card is a points card from SBI, best for users with medium-to-high spends in shopping, dining and travel. It is tagged under premium, rewards, shopping, travel, lifestyle categories in our database.

PremiumRewardsShoppingTravelLifestyle

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Frequently asked questions

Is City Union Bank PRIME SBI Card lifetime free?

It has an annual fee of ₹2999. Waived on issuer-defined annual spend threshold

What rewards does City Union Bank PRIME SBI Card offer?

SBI PRIME partner variant with stronger category rewards and mid-premium lifestyle positioning.

Does City Union Bank PRIME SBI Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider City Union Bank PRIME SBI Card?

Users with medium-to-high spends in shopping, dining and travel

Where can I apply for City Union Bank PRIME SBI Card?

Check the issuer website for application availability.