Cards · SBI Card

Landmark Rewards SBI Card PRIME: rewards, caps and exclusions

The Landmark Rewards SBI Card PRIME pays about 6.25% on Online & Retail Landmark Stores, and 0.5% on everything else. Below is every rate, cap and exclusion in SBI Card's published terms, as we last checked them on 9 October 2026.

Visa, RuPay₹2,999 a yearPaid in points

What it earns

≈6.25%Online & Retail Landmark Storesno cap stated

≈2.5%Food, Entertainmentno cap stated

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

Fuel
Rent
Government payments
Gaming
Wallet loads
EMI conversions

What costs extra

Worse than earning nothing: SBI Card charges a fee for these.

1% on Utility Payment Fee

Milestones

In SBI Card's own words:

20,000 bonus Reward Points on overall annual retail spends of Rs. 5,00,000 (product page) → 20,000 RP (₹5,000 in Landmark Rewards)

Fees

Annual fee: ₹2,999, plus 18% GST
Joining fee: ₹2,999

Welcome benefit: 12,000 RP (₹3,000 in Landmark Rewards) on paying the joining fee.

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 9 October 2026:

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with SBI Card's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

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Zenidhi reads your SBI Card statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works