Cards · SBI Card

SBI Card PRIME: rewards, caps and exclusions

The SBI Card PRIME pays about 5% on Birthday spends, on the first ₹9,000 of spend a year, 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 18 July 2026.

Visa, Mastercard, American Express, RuPay₹2,999 a yearPaid in points

What it earns

≈5%Birthday spendson the first ₹9,000 of spend a year

≈5%Utility standing instructionon the first ₹15,000 of spend a month

≈2.5%Food, Groceries, Entertainmenton the first ₹75,000 of spend a month

≈0.5%Everything elseno cap stated

≈ marks a rate paid in points, converted at ₹0.25 a point: the lowest redemption value SBI Card documents. Some redemptions are worth more; we price at the floor, because that is what the points are worth whichever way you spend them.

What earns nothing

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

Fuel
Wallet loads
Rent
Utility bills
Government payments
Insurance premiums

Milestones

In SBI Card's own words:

Pizza Hut voucher on ₹50,000 spend/calendar quarter → Pizza Hut voucher ₹500
Yatra/Pantaloons ₹7,000 voucher on ₹5,00,000 spend/year → ₹7,000 voucher (Yatra/Pantaloons)

Fees

Annual fee: ₹2,999, plus 18% GST
Joining fee: ₹2,999
Annual fee waived on ₹3,00,000 of spend in a card year
Foreign-currency markup: 3.5%

Where this comes from

Transcribed from SBI Card's own documents and checked against them on 18 July 2026:

sbicard.com (PDF)

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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