SBI PRIME Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: SBI Card
Network: Visa | Tier: Premium
The SBI PRIME Credit Card is a Premium Visa credit card issued by SBI Card, best suited for professionals. It carries a joining fee of ₹2,999, with an interest rate of 3.5% per month. Key benefits include Lifestyle + travel card, 2 RP per 100, Lounge access, Insurance cover, and Milestones. New cardholders get a welcome benefit of Gift vouchers. On fees — Lounge access: Lounge access; Foreign transaction markup: 3.5%; Fuel surcharge: 1% waiver. Applicants typically need ₹8,00,000/year to qualify. It falls under the Premium, Travel, Shopping, Fuel, and Rewards category on CreditCardHunt.
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Why Choose the SBI PRIME Credit Card?
The SBI PRIME Credit Card is a Premium-tier Visa credit card issued by SBI Card, rated 4.5/5 by the Credit Card Hunt editorial team. It is best suited for Professionals. With a reward rate of 2 RP per 100 and an annual fee of ₹2,999, it ranks among the popular Premium cards in India in 2026.
New cardholders are welcomed with Gift vouchers, which adds immediate value in the first year and helps recover the ₹2,999 joining fee.
SBI PRIME Credit Card Fees & Charges
| Annual Fee | ₹2,999 |
|---|---|
| Joining Fee | ₹2,999 |
| Interest Rate | 3.5% per month |
| Foreign Markup | 3.5% |
| Fuel Surcharge Waiver | 1% waiver |
SBI PRIME Credit Card Rewards & Benefits
| Reward Rate | 2 RP per 100 |
|---|---|
| Welcome Bonus | Gift vouchers |
| Lounge Access | Lounge access |
| Best For | Professionals |
Key Highlights of the SBI PRIME Credit Card
- Lifestyle + travel card
- 2 RP per 100
- Lounge access
- Insurance cover
- Milestones
SBI PRIME Credit Card Eligibility Criteria
- Age: 21-65 years
- CIBIL score: 750+
- Minimum income: ₹8,00,000/year
Minimum Income Required: ₹8,00,000/year
Advantages of the SBI PRIME Credit Card
- Balanced benefits — a highlight among SBI Card's premium lineup.
Drawbacks of the SBI PRIME Credit Card
- Fee high may not suit every applicant.
SBI PRIME Credit Card — Frequently Asked Questions
What is the annual fee of the SBI PRIME Credit Card?
The SBI PRIME Credit Card has an annual fee of ₹2,999 and a joining fee of ₹2,999. New cardholders receive Gift vouchers as a welcome benefit, which helps offset the joining cost.
Does the SBI PRIME Credit Card offer airport lounge access?
Yes — the SBI PRIME Credit Card offers Lounge access.
Who is eligible for the SBI PRIME Credit Card?
The minimum income requirement is ₹8,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the SBI PRIME Credit Card?
The SBI PRIME Credit Card earns 2 RP per 100. It is best suited for Professionals.
Credit Cards Similar to the SBI PRIME Credit Card
If you are considering the SBI PRIME Credit Card, these premium credit cards are worth comparing before you apply:
- HDFC Infinia by HDFC Bank — rated 4.9/5, ₹12,500 + GST annual fee
- Etihad Guest Premium Credit Card by Bank of Baroda — rated 4.7/5, ₹5,000 annual fee
- EazyDiner Signature Credit Card by IndusInd Bank — rated 4.7/5, ₹2,999 annual fee
- Atlas Credit Card by Axis Bank — rated 4.7/5, ₹5,000 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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Expert Rating: 4.5/5