Why you should get it
Dining & Utility
- ₹3000 Voucher on Joining
- 4 Int'l Lounges/year
- Pizza Hut/Trident Benefits
Back to Browse
Why get it Why skip it Annual fee₹2,999 Fee waiver₹3,00,000 Best return5% Live offersNone right now Best redemptionNot highlighted MilestonesNo milestone edge Visits listed30 visits Access rule₹25 Coverage sourceIssuer mapped
SBI • Visa
SBI Prime
Decision memo
Get it if
Route spends aligned to dining & utility before using this card for base-rate transactions
Skip it if
Points devalued recently
Verified 12 Feb 2026VerifiedHigh confidence1 source checked
For Dining & Utility. 5% on shopping spend. ₹2,999 fee, waiver at ₹3,00,000. Lounge rule: ₹25.
Quick Overview
What matters before you apply.
You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.
Why you may regret it
These are the rules and drawbacks most likely to make the card feel disappointing after signup.
- Points devalued recently
- High annual fee
Annual Fee₹2,999Joining fee ₹2,999
Spend to Waive Fee₹3,00,000Waived on ₹3L spend
Best Category Return5%Shopping spend
Lounge Access Condition₹2530 visits listed
Quick notes
How to use the card well, and what to watch before applying.
How to use it well
- 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.
Watch before applying
- Points devalued recently
- High annual fee
- If annual spend stays low, ₹2,999 fee drag can offset nominal reward rates.
Compare or Switch
What to do if this card is close, but not perfect.
Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.
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Value & Fees
Check if the card clears its own fee.
Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Joining fee ₹2,999
Waived on ₹3L spend
Shopping spend
Current Opportunities
Open the live value layer only if the card still looks strong.
Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.
Offer availability changes often.
This card is better treated as direct cashback or feature value.
No standout milestone boost highlighted.
Lounge Reality
Treat lounge as real value only after the rule check passes.
Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.
20 domestic • 10 international
- 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.
Mapped from issuer lounge dataset + card policy signals
Decision Details
Open the dense rulebook only when you are close to applying.
Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Keep proof and verification at the bottom.
This is the validation layer. Use it after the card already feels like a possible yes.