SBI Card PRIME Advantage

Name: SBI Card PRIME Advantage
Brand: SBI Card
Price: 2999 INR
Availability: InStock

Updated 3 Jul 2026Source-linked

The SBI Card PRIME Advantage is a premium credit card from SBI Card, with a joining fee of ₹2,999 + GST.

It earns up to 20 pts per ₹100 (≈4.4% value) on utility standing instructions spends in the form of reward points (points).

Cardholders get 8 annual domestic + 4 annual international airport lounge access, plus welcome e-gift voucher worth ₹3,000 (yatra / hush puppies / bata / pantaloons / aditya birla fashion / shoppers stop) as a welcome benefit.

SBI Card PRIME Advantage

Joining Fee₹2,999
Annual Fee₹2,999
Best Suited ForLifestyle & travel
Reward TypeReward Points (points)

Rewards Rate

10 pts per ₹100 on dining grocery departmental movies
20 pts per ₹100 on utility standing instructions (cap 3000 points / annual)
20 pts per ₹100 on birthday spend (cap 2000 points / annual)
Base 0.44% on other spends

Welcome Benefits

Welcome e-Gift voucher worth ₹3,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)

Data verified 3 Jul 2026 — see our methodology

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Rewards and Benefits

Rewards Rate

10 pts per ₹100 on dining grocery departmental movies

20 pts per ₹100 on utility standing instructions (cap 3000 points / annual)

20 pts per ₹100 on birthday spend (cap 2000 points / annual)

Base 0.44% on other spends.

Reward Redemption

Redeem at ₹0.25 per unit.

Welcome Benefits

Welcome e-Gift voucher worth ₹3,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)

Milestone Rewards

₹50,000 / quarterly: Pizza Hut e-Voucher worth ₹1,000 on quarterly spends of ₹50,000
₹5,00,000 / annual: Yatra.com / Pantaloons e-Gift Voucher worth ₹7,000 on annual spends of ₹5 lakhs

Domestic Lounge Access

8 visits each annual.

International Lounge Access

4 visits each annual.

Travel

N/A

Movie & Dining

N/A

Golf

4 round(s) / monthly · 1 lesson(s).

Insurance Benefits

N/A

Other Benefits

Club ITC Silver Tier Membership — Complimentary 1-year Club ITC Silver Tier Membership.

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

Online shoppingGroceriesDining & food deliveryFuelTravel & hotelsUtilities & billsRentInternational / forex

Groceries₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
Dining & food delivery₹176/mo
You spend ₹8,000 · earns 2.2% = ₹176 uncapped
- Valued at realized redemption value
Utilities & bills₹72/mo
You spend ₹5,000 · earns 4.4% = ₹220 uncapped → cap ₹55 clamps it, ₹165 lost to the cap · ₹17 earned at base beyond it
- Cap ₹55/mo reached — extra spend earns base
- Valued at realized redemption value

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

Online shopping₹15,000 · 0.4% = ₹66/mo
Fuel₹4,000 · 0.0% = ₹0/mo
Travel & hotels₹10,000 · 0.4% = ₹44/mo

Est.net rewards for this spend, realistic

₹6,402/yr

₹6,402 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver

₹3,00,000 in the preceding year

Rewards Redemption Fee

N/A

Foreign Currency Markup

3.50%

Interest Rates

3.75% per month (45.0% annualised)

Fuel Surcharge Waiver

1.0% waiver on transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.

Cash Advance Charges

2.5% or ₹500 (whichever is higher)

Product Details

premium card issued by SBI Card.
Joining / annual fee of ₹2,999 + GST, waived on annual spends of ₹3,00,000.
Available on the Visa network.
Complimentary airport lounge access: domestic (8/annual) + international (4/annual).

Pros & Cons

Pros

Annual fee waivable on ₹3,00,000 spend.
Complimentary international airport lounge access.
24/7 concierge service.
Milestone-based bonus rewards on annual / quarterly spend thresholds.
Accelerated earn worth ≈4.4% on utility standing instructions.

Cons

Standard forex markup of 3.50% — suboptimal for international spend.
No rewards on fuel spends.

₹3,000 welcome benefit

Welcome e-Gift voucher worth ₹3,000 (Yatra / Hush Puppies / Bata / Pantaloons / Aditya Birla Fashion / Shoppers Stop)
Joining fee paid
Window: 90 days from issuance.

Accelerated rewards

10 pts per ₹100 on dining grocery departmental movies
10 Reward Points per ₹100 on Dining, Departmental Stores, Movies and Grocery.
20 pts per ₹100 on utility standing instructions (cap 3000 points / annual)
20 Reward Points on utility bill payment standing instructions (up to 3,000 points).
20 pts per ₹100 on birthday spend (cap 2000 points / annual)
20 Reward Points per ₹100 on birthday spends (day before/of/after), capped 2,000 per calendar year.

Exclusions

The following spend categories earn no rewards on this card:

fuel
wallet loads
rent
insurance premiums
emi

Milestone benefits

₹50,000 / quarterly: Pizza Hut e-Voucher worth ₹1,000 on quarterly spends of ₹50,000 (≈ ₹1,000 value)
₹5,00,000 / annual: Yatra.com / Pantaloons e-Gift Voucher worth ₹7,000 on annual spends of ₹5 lakhs (≈ ₹7,000 value)

Airport lounge access

Domestic

8 visit(s) / annual. Via visa, mastercard, dreamfolks.

International

4 visit(s) / annual. Via priority-pass.

Max 2 visits per quarter. Priority Pass membership worth $99.

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹500 and ₹4,000, capped at ₹250 per monthly.

Other benefits

Club ITC Silver Tier Membership. Complimentary 1-year Club ITC Silver Tier Membership.

Sources

: www.sbicard.com · retrieved 3 Jul 2026

Last verified 3 Jul 2026. Verify with the issuer before applying.

Eligibility

Age: 18–70
Credit score: —
Income (salaried): —
Income (self-employed): —

Secured 'Advantage' variant issued against a fixed deposit (FD-backed). TODO verify minimum FD amount and eligibility.

Tagspremium points secured fd backed