Offer Truth
- Joining fee₹2,999
- Annual fee₹2,999
- Waiver thresholdNot listed
- Cap typenone
- Cap resetnone
- Last verified2026-02-12
Back to Browse
Step 1 Step 2 Step 3
SBI • Visa
Federal Bank PRIME SBI Card
Mid-tier PRIME partnership card with stronger rewards and lifestyle-travel benefits.
Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
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
Upgrade Path
These are objective same-bank step-up options from the current rewards and lounge model.
PhonePe SBI Card SELECT BLACK
Annual fee: Free
Shared focus: Travel+42 more lounge visits in current datasetEstimated +₹4,073/yr value
View DetailsSBI Card MILES PRIME
Annual fee: ₹2999
Shared focus: Travel, Premium+30 more lounge visits in current datasetHigher top earn rate (4.0%)
View DetailsSBI Prime
Annual fee: ₹2999
Shared focus: Lifestyle+30 more lounge visits in current datasetHigher top earn rate (5.0%)
View DetailsLounge 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: NoTrack lounge eligibility for Federal 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 availableAirport-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.
Decision Data Enrichment
Reused from validated provider snapshots with freshness gates and quality filters.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
Key Benefits
- Enhanced rewards vs SimplySAVE tier
- Lifestyle and travel benefit stack
- SBI offer ecosystem participation
- Fee waiver path at higher annual spends
Things to Consider
- Annual fee reduces returns if spend is insufficient
- Category caps and exclusions apply
- Benefits and offers can change by issuer policy cycle
About Federal Bank PRIME SBI Card
Federal Bank PRIME SBI Card is a points card from SBI, best for users seeking mid-premium sbi partnership card value. It is tagged under premium, rewards, shopping, travel, lifestyle categories in our database.
PremiumRewardsShoppingTravelLifestyle
Similar Cards You Might Like
SBIVisa
Bank of Maharashtra PRIME SBI Card
Medium-to-high spend users seeking stronger partnership-card value
₹2999/yrPoints
SBIVisa
Canara Bank PRIME SBI Card
Users wanting stronger mid-tier SBI partnership rewards
₹2999/yrPoints
SBIVisa
Central Bank PRIME SBI Card
Users wanting mid-tier SBI rewards with lifestyle travel benefits
₹2999/yrPoints
Frequently asked questions
Is Federal Bank PRIME SBI Card lifetime free?
It has an annual fee of ₹2999. Waived on issuer-defined annual spend threshold
What rewards does Federal Bank PRIME SBI Card offer?
Mid-tier PRIME partnership card with stronger rewards and lifestyle-travel benefits.
Does Federal Bank PRIME SBI Card include lounge access?
No complimentary lounge access is currently listed for this card.
Who should consider Federal Bank PRIME SBI Card?
Users seeking mid-premium SBI partnership card value
Where can I apply for Federal Bank PRIME SBI Card?
Check the issuer website for application availability.
Sources & Verification
- Official Issuer Page:Direct Link
- Last Verified: 2026-02-12
- Data Method: Automated scraper + Manual audit
Key Terms
APR (Annual Percentage Rate)
The interest rate charged on unpaid dues if you don't pay your full bill by the due date.
Forex Markup
An additional fee charged for transactions made in foreign currency.
Lounge Access
Complimentary entry to airport lounges, often subject to spend milestones.
Milestone Benefits
Bonus rewards unlocked when you cross specific spending thresholds within a period.