SBI Card PRIME

Lounge access

• Complimentary Priority Pass standard membership (valid 24 months).
• Domestic Priority Pass lounges (within India): complimentary.
• International Priority Pass lounges outside India: 6 visits/year for ELITE and 4 visits/year for PRIME cardholder (max 2 per quarter).
• Post complimentary visits and all within-India International Priority Pass lounge visits charged USD 27 + applicable taxes per visit.
• Guest visits USD 27 + applicable taxes per visit.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Forex markup

• Foreign Currency Transaction Fee: 3.5% (SBI Card PRIME is not in the reduced-rate list, so standard 3.5% applies).
• Dynamic Currency Conversion Fee: 3.5% on transactions greater than or equal to ₹1,000 carried out in Indian currency at an international location or at merchants located in India but registered overseas.

Verified · Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME · 2026-07-30 · source

Charge

• Cash Advance Fee: 2.5% or ₹500 whichever is higher (domestic ATMs) and 2.5% or ₹500 whichever is higher (international ATMs).
• Finance Charges: up to 3.75% per month (45% p.a.) for unsecured cards.
• Minimum Finance Charge ₹25.
• Cash Payment Fee: ₹250 + applicable taxes.
• Late Payment Charges: Nil (₹0-100), ₹100 (>₹100-500), ₹500 (>₹500-1,000), ₹750 (>₹1,000-10,000), ₹950 (>₹10,000-25,000), ₹1,100 (>₹25,000-50,000), ₹1,300 (>₹50,000).
• Additional Late Payment Charge of ₹100 on missing MAD for two consecutive cycles.
• Overlimit Fee: 2.5% of overlimit amount or ₹600 whichever is higher.
• Payment Dishonor Fee: 2% of payment amount subject to minimum ₹500.
• Dynamic Currency Conversion Fee: 3.5%.
• Card Replacement Fee: ₹100 - ₹250.
• Cheque Payment Fee: ₹200.
• Rewards Redemption Fee: ₹99.
• Processing Fee on all Rent Payment Transactions: ₹199.
• Utility Payments Fee (w.e.f. 1st Dec 2024): 1% of total Utility Payments if total exceeds ₹50,000 in a billing cycle.
• Fee on Education Payments (w.e.f. 1st Nov 2025): 1% on payments via third-party apps.
• Fee on Wallet Load (w.e.f. 1st Nov 2025): 1% on every wallet load transaction exceeding ₹1,000.
• Add on Fee: Nil.

Verified · Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME · 2026-07-30 · source

Interest-free period

Interest free credit period of 20 to 50 days (applicable only on retail purchases and if previous month's outstanding balance is paid in full), subject to submission of claims by the merchant.

Verified · Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME · 2026-07-30 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver (excluding GST) on eligible transactions.
• For single transaction spends between ₹500 and ₹4,000 for Prime Cards.
• Maximum surcharge waiver of ₹250 per statement cycle per credit card account for Prime Cards.

Verified · Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME · 2026-07-30 · source

Redemption value

• Rewards Redemption Fee: ₹99 (applicable only on Physical products, Statement Credit & Vouchers sent physically; no fee if account voluntarily closed on fee posting date).
• Reward Points valid for 24 months from date of accrual and expire/forfeit on the last day of the 24th month.

Verified · Most Important Terms & Conditions (MITC) – Common to all SBI Cards incl. PRIME · 2026-07-30 · source

Reward cap

• Accelerated Reward Points (Dining, Departmental Stores, Grocery & Movies) capped at 7,500 Reward Points per calendar month.
• After cap, 2 RP per ₹100 accrues.
• Birthday earning capped at 1,800 RP/year.
• Standing Instruction utility earning capped at 3,000 RP/month.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Reward exclusion

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Transfer partner

Verified · SBI Card PRIME – Terms & Conditions Booklet (older version, SI09012018) · 2026-07-30 · source

Travel benefit

• Yatra.com Milestone e-Gift Vouchers valid for booking Flights (Domestic/International), Hotels (Domestic), Buses (Domestic), Holidays (Domestic/International) at Yatra.com.
• Valid up to 6 months from date of issue.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Hotel benefit

• Complimentary 1-year Club ITC Silver Tier Membership.
• 25% off on second night at ITC Hotels (Club ITC membership enrollment mandatory).
• 20% off on food orders via ITC Hotels app on minimum order value of ₹3,000 (excluding taxes) when paid via SBI Card PRIME.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Dining benefit

• Complimentary 1-year Club ITC Silver Tier Membership.
• 25% off on second night at ITC Hotels (Club ITC membership enrollment mandatory).
• 20% off on food orders via ITC Hotels app on minimum order value of ₹3,000 (excluding taxes) when paid via SBI Card PRIME.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Insurance

• Complimentary lost/stolen card / fraud liability cover up to ₹1,00,000 for financial loss due to fraudulent usage.
• Protection covers misuse up to 3 days prior to first report and up to 7 days post reporting.
• Insured by The Oriental Insurance Company Limited.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Eligibility

• Add-on cards can be applied for spouse, parents, siblings and children over 18 years of age.
• Add-on cardholders share the same limits as the Primary Account Holder.

Verified · SBI Card PRIME – Terms & Conditions Booklet (FY24, current version) · 2026-07-30 · source

Official terms

https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html.

Verified · SBI Card PRIME product page · 2026-07-30 · source