SBI Card PRIME Credit Card 2025
Save up to ₹30,000+ every year on dining, groceries, movies, utilities, flights & lounge access!
If you spend a lot on dining, groceries, movies, utilities, and want premium travel perks, the SBI Card PRIME Credit Card is a great rewards-focused card!
You get 10X reward points on dining, groceries, movies & department stores (up to ₹50,000/quarter), 2X points on all other spends, 8 domestic lounge visits per year (2 per quarter), complimentary Club Vistara Silver membership (for new cards from Sep 2025), milestone vouchers up to ₹6,000/year (₹3,000 on ₹3L spend + ₹3,000 on ₹6L), up to 15% off on BookMyShow, and ₹2,999 fee waived on ₹3 Lakh annual spend.
Reward points redeem for flights/hotels via Club Vistara, vouchers or cashback (1 point = ₹0.25) – flexible for everyday & travel rewards!
Why This Is The Best Rewards Lifestyle Card in 2025?
10X points on dining/groceries/movies/utilities • 2X on everything else • 8 domestic lounges/year • Club Vistara Silver (new cards) • Milestone vouchers up to ₹6,000/year • 15% off BookMyShow • Fee waiver on ₹3L spend.
Best for: Frequent diners, grocery shoppers, movie lovers, utility bill payers, occasional travelers
Fee Waiver Offer – ₹2,999 Waived on ₹3 Lakh Annual Spend
Card At a Glance
₹2,999 + GST
₹2,999 + GST (Waived on ₹3L spend)
10X Bonus Categories | 2X Others
Points (1 pt = ₹0.25 cashback)
8 Domestic per year
3.5%
Complete Fees & Charges
| Particulars | Details |
|---|---|
| Joining Fee | ₹2,999 + GST |
| Annual Fee | ₹2,999 + GST (Waived on ₹3 Lakh spend) |
| Welcome Benefit | Club ITC Silver (for cards from Sep 2025) |
| Rewards Redemption Fee | ₹99 (for cashback) |
| Foreign Currency Markup | 3.5% + GST |
| Interest Rate | 3.6% per month |
| Fuel Surcharge Waiver | 1% (₹500–₹3,000 txn, max ₹100/month) |
Detailed Reward Rates (2025)
- 10X Reward Points per ₹100 on dining, groceries, movies, department stores, utilities (up to ₹50,000/quarter)
- 2X Reward Points per ₹100 on all other spends
- 1 point = ₹0.25 for cashback, vouchers or Club Vistara miles (1:1 transfer)
- Milestone: ₹3,000 voucher on ₹3L spend + ₹3,000 on ₹6L spend per year
- No rewards on fuel, rent, wallet loads, EMI, government payments
- Birthday double points on bonus categories
Airport Lounge Access
8 complimentary domestic visits per year (2 per quarter)
No spend requirement • Valid at major airports (Delhi, Mumbai, Bangalore, etc.)
For cardholder + add-on cards
Insurance & Protection Benefits
- ₹1 Lakh fraud liability cover
- Zero lost card liability (if reported immediately)
- EMI on purchases ₹2,500+
Pros & Cons (Real User View)
| Pros | Cons |
|---|---|
| 10X points on dining/groceries/movies/utilities | Fee waiver on high ₹3L spend |
| 8 domestic lounges + Club Vistara Silver | No international lounges |
| Milestone vouchers up to ₹6,000/year | 3.5% forex markup |
| 2X on everything else + birthday doubles | No fuel rewards |
| 15% off BookMyShow + Club ITC Silver | ₹99 cashback redemption fee |
| Easy waiver & low base rate (0.5% non-bonus) |
Eligibility Criteria & Documents Required
- Age: 21–60 years (salaried) | 21–65 years (self-employed)
- Minimum Annual Income: ₹6 Lakh
- Credit Score: 750+ preferred
- Documents: PAN, Aadhaar, salary slip/ITR, bank statement
How to Apply Online (5-Minute Process)
- Visit SBI Card website and select PRIME Card
- Fill basic details → Get instant pre-approval
- Upload PAN, Aadhaar & income proof
- Video KYC (2–3 minutes)
- Card approved & dispatched in 7–10 days
Final Verdict – Should You Get It in 2025?
If you spend ₹25,000+ monthly on dining, groceries, movies & utilities, PRIME gives ₹20,000–₹30,000 value yearly with lounges, milestones & Vistara perks – at a reasonable fee (waived on ₹3L). Great mid-premium rewards card for lifestyle spenders – better than basic cards but skip if low on bonus categories!
Frequently Asked Questions (FAQs)
How to get 10X points?
On dining, groceries, movies, department stores, utilities up to ₹50,000/quarter.
Is the fee waived?
Yes, on ₹3 Lakh annual spend.
What is Club Vistara Silver?
Complimentary for new cards from Sep 2025 – priority check-in, extra baggage on Vistara.
Do points expire?
Yes, 3 years from earning.
Any lounge access?
8 domestic/year (2/quarter) – no spend requirement.