Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.
Annual fee₹2,999
Joining fee ₹2,999
Fee waiver₹3,00,000
Waived on ₹3L spend
Best return1.3%
Shopping spend
Your spend, your value
Will this card earn its keep for you?
70% split equally across Shopping, Travel, Dining; 30% other eligible spend. Standard redemption value. Renewal-year estimate after annual fee; excludes joining costs, taxes and unmodeled exclusions.
₹5K30,000/mo₹5L
Est. annual value+₹2,340after annual fee
Value covers the ₹2,999 annual fee
Fee waiver estimator
Adjust your spend only if you need to test whether the card pays for itself.
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Reward rate breakdown
Open the category chart when two cards are close and you need the exact spend shape.
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Reward rate by category
Earns hardest on dining — 1.25% vs 0.13% base.
Default redemption value, before fees, caps and exclusions. Points and NeuCoins may require eligible redemption channels.
Diningbest earn
1.25%
Shopping
1.25%
Basedefault
0.13%
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.
Live offersNone right now
Offer availability changes often.
Best redemptionNot highlighted
This card is better treated as direct cashback or feature value.
MilestonesNo milestone edge
No standout milestone boost highlighted.
Redemption tools
Use these only if your shortlist is down to cards where redemption value can change the decision.
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Redemption optimizer unavailable
This card is better evaluated through direct cashback, fee drag, and perk value right now.
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.
Rows mapped30 rows
20 domestic • 10 international policy count
Access ruleCheck terms
Card-level policy notes:
• 4 Int'l Lounges/year
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.
- 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).
Verify latest spend criteria and guest access with issuer before travel.
Coverage sourceIssuer mapped
Mapped from issuer lounge dataset + card policy signals
Full lounge eligibility checklist
Open this to validate spend thresholds, program fit, and any conditions that can block access.
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Lounge eligibility checklist
Mapped from issuer lounge dataset + card policy signals
Lounge Spend Tracker
Threshold unknown
Check the spend threshold for SBI Prime using spend in the issuer’s qualifying period.
₹0 spentAdd threshold to start tracking
Threshold check only. Confirm qualifying dates, remaining visits, card variant and airport with your issuer. Meeting this target does not guarantee lounge admission.
No spend threshold was detected from current lounge policy text. You can still track manually.
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.
Airport-wise lounge locations
Open the full location map only if this card passes the lounge rule check above.
30 rows
Lounge locations
30 mapped rows available on demand
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Decision Details
Fees, exclusions and eligibility
Review excluded spending, renewal charges and benefit conditions before deciding whether this card fits your needs.
Enriched decision data not available
This card does not have publishable enrichment records in the current high-confidence snapshot.
FAQ & Evidence
Sources, review dates and limitations
Check which benefits have issuer evidence, when each field was reviewed, and where the model remains incomplete.
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 statusstale
Freshness days232
Source conflicts0
Applied reports0
Approval reports0
Frequently asked questions
Short answers for the usual apply, fee, reward, and lounge questions.
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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 lounge access with 30 mapped lounge rows (20 domestic, 10 international policy count).
Who should consider SBI Prime?
Dining & Utility
Sources and verification
Last verification date and how this page was assembled.
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Sources & Verification
Latest recorded check: 12 Feb 2026
Data Method: Imported issuer material and editorial research. Check dates can differ across fee, reward and lounge records; a timestamp alone does not guarantee every field is current.
