SBI Card PRIME Advantage
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)
SBIpremiumRewards 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.
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 paidWindow: 90 days from issuance.
Accelerated rewards
- 10 pts per ₹100 on dining grocery departmental movies10 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.