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SBI Prime
SBI • Visa

SBI Prime

10x Rewards on Dining/Groceries

Annual Fee₹2999Waived on ₹3L spend
Base Reward0.5%On all spends
Lounge Access3020 domestic • 10 intl
Est. Annual Savings₹2,490Based on ₹4.8L annual spend

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₹1,800

Assumes base reward rate only.

Annual feeWaived

Waived on ₹3L spend

Net value₹1,800

Estimated savings per year.

Fee waiver target: ₹3,00,000 annual spend.

Reward Rate Breakdown

Category-wise reward rates for this card

Dining
5.0%
Shopping
5.0%
Basedefault
0.5%

Insights

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

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Insights

  • 10x Rewards on Dining/Groceries
  • Accelerated categories: Dining (5.0%), Shopping (5.0%)
  • Annual fee math works best when you can reliably hit waiver condition (Waived on ₹3L spend). Returns are mostly straightforward without heavy cap or milestone complexity.

Best Utilization

  • Route spends aligned to dining & utility before using this card for base-rate transactions.
  • Use the card mainly for categories where it beats base earn (0.5% baseline).
  • Pair with a secondary card for categories not covered in its accelerated reward profile.

Watchouts

  • Points devalued recently
  • High annual fee
  • If annual spend stays low, ₹2,999 fee drag can offset nominal reward rates.

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 threshold₹3,00,000
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

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

Lounge Truth

  • NetworkVisa
  • Domestic count20
  • International count10
  • Quarterly limitNot listed
  • Airport-terminal rows30
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports24
  • Approval reports15

Upgrade Path

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

No clear same-bank upgrade path is currently detected for this card.

Lounge Eligibility Checklist

Mapped from issuer lounge dataset + card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for SBI Prime using your current period spend.

₹0 spent₹25 target

Policy signal used: - Source file: SBI Card Airport Lounge Access page (Set B lounges). - Participating lounge list effective 10 Jan'26. - Source terms mention lounge POS authorization holds (typically INR 2 for Visa/RuPay and temporary INR 25 hold for Mastercard). Policy override notes: • SBI Prime is a mainstream premium tier with lounge benefits subject to active issuer terms. • Validate spend criteria and visit caps in latest SBI Prime lounge policy. Verify latest spend criteria and guest access with issuer before travel.

Spend threshold

Validate spend criteria and visit caps in latest SBI Prime lounge policy.

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

International lounge access is listed; verify if this is via Priority Pass or direct network.

Lounge Locations

30 airport lounge rows
View lounge map and location list30 rows
Loading interactive lounge map...

Click a city marker to jump to its lounge list below.

Ahmedabad

2 lounges • 1 domestic • 1 international

2
The LoungeDomestic

AHM • Ahmedabad Airport • Domestic T1

The LoungeInternational

AHM • Ahmedabad Airport • International T2

Bengaluru

3 lounges • 2 domestic • 1 international

3
080 Domestic LoungeDomestic

BEN • Bengaluru Airport • Domestic T2

080 Domestic Lounge - West PH 2Domestic

BEN • Bengaluru Airport • Domestic T1

080 International LoungeInternational

BEN • Bengaluru Airport • International T2

Bhubaneswar

1 lounges • 1 domestic • 0 international

1
Bird LoungeDomestic

BHU • Bhubaneswar Airport • Domestic T1

Chandigarh

2 lounges • 1 domestic • 1 international

2
Primus LoungeDomestic

CHA • Chandigarh Airport • Domestic Terminal

Primus LoungeInternational

CHA • Chandigarh Airport • International Terminal

Chennai

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge - T2 TerminalInternational

CHE • Chennai Airport • International T2

Travel Club Lounge -T1 Lounge BDomestic

CHE • Chennai Airport • Domestic T1

Coimbatore

1 lounges • 1 domestic • 0 international

1
BlackBerry Restaurant & BarDomestic

COI • Coimbatore Airport • Domestic NA

Goa

1 lounges • 1 domestic • 0 international

1
Encalm LoungeDomestic

GOA • Goa Airport • Domestic T1

Hyderabad

2 lounges • 1 domestic • 1 international

2
Encalm LoungeDomestic

HYD • Hyderabad Airport • Domestic T1

Encalm LoungeInternational

HYD • Hyderabad Airport • International T1

Indore

1 lounges • 1 domestic • 0 international

1
Primus LoungeDomestic

IND • Indore Airport • Domestic NA

Jaipur

1 lounges • 1 domestic • 0 international

1
The LoungeDomestic

JAI • Jaipur Airport • Terminal 2

Kochi

2 lounges • 1 domestic • 1 international

2
Earth LoungeDomestic

KOC • Kochi Airport • Domestic T1

Earth LoungeInternational

KOC • Kochi Airport • International T3

Kolkata

2 lounges • 1 domestic • 1 international

2
Travel Club Lounge DomesticDomestic

KOL • Kolkata Airport • Domestic T1

Travel Club Lounge InternationalInternational

KOL • Kolkata Airport • International T1

Mumbai

3 lounges • 2 domestic • 1 international

3
Adani East LoungeInternational

MUM • Mumbai Airport • International T2

Adani LoungeDomestic

MUM • Mumbai Airport • Domestic T1B

Travel ClubDomestic

MUM • Mumbai Airport • Domestic T2

New Delhi

3 lounges • 2 domestic • 1 international

3
Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T1

Encalm LoungeDomestic

NEW • New Delhi Airport • Domestic T3

Encalm LoungeInternational

NEW • New Delhi Airport • International T3

Pune

1 lounges • 1 domestic • 0 international

1
Elysian LoungeDomestic

PUN • Pune Airport • Domestic Terminal

Srinagar

1 lounges • 0 domestic • 1 international

1
Paahun The Executive LoungeInternational

SRI • Srinagar Airport • International T1

Vadodara

1 lounges • 1 domestic • 0 international

1
Premium LoungeDomestic

VAD • Vadodara Airport • Domestic Terminal

Vishakhapatnam

1 lounges • 1 domestic • 0 international

1
The Airr LoungeDomestic

VIS • Vishakhapatnam Airport • Domestic Terminal

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Key Benefits

  • ₹3000 Voucher on Joining
  • 4 Int'l Lounges/year
  • Pizza Hut/Trident Benefits

Things to Consider

  • Points devalued recently
  • High annual fee

About SBI Prime

SBI Prime is a points card from SBI, best for dining & utility. It is tagged under dining, lifestyle categories in our database.

DiningLifestyle

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Frequently asked questions

Is SBI Prime lifetime free?

It has an annual fee of ₹2999. Waived on ₹3L spend

What rewards does SBI Prime offer?

10x Rewards on Dining/Groceries

Does SBI Prime include lounge access?

SBI Prime lists 30 lounge visits (20 domestic, 10 international).

Who should consider SBI Prime?

Dining & Utility

Where can I apply for SBI Prime?

Check the issuer website for application availability.