Discover the SBI Prime Credit Card benefits, welcome offers, lounge access, milestone rewards, and annual fees in 2025. Read our full review before applying.
SBI Prime Credit Card Review 2025 – Benefits, Rewards, Lounge Access & Charges
The SBI Prime Credit Card is one of the premium offerings from SBI Card, designed for those who want lifestyle, travel, and shopping benefits in a single package. With features like complimentary airport lounge access, milestone vouchers, and extra rewards on everyday spending, this card has become a strong choice in the premium segment.
In this article, we’ll cover all the key benefits, fees, and features of the SBI Prime Credit Card in detail.
Welcome Benefits
When you apply for the SBI Prime Credit Card, you receive a ₹3,000 gift voucher as a welcome benefit. You can choose the voucher from popular brands such as:
- Bata
- Hush Puppies
- Pantaloons
- Aditya Birla Fashion
- Yatra.com
- Shoppers Stop
Note: The annual fee must be paid within 30 days to unlock this welcome gift.
Reward Points Benefits
The card offers strong rewards on daily spends:
- 10 Reward Points per ₹100 spent on dining, groceries, departmental stores, and movies.
- 2 Reward Points per ₹100 spent on other categories.
- 1 Reward Point = ₹0.25 when redeemed.
Rewards can be redeemed against the SBI reward catalog or credit card statement. However, a ₹99 + GST redemption fee applies each time.
Milestone Benefits
SBI Prime Credit Card provides exciting milestone-based benefits:
- Spend ₹50,000 in a quarter → Get ₹1,000 Pizza Hut voucher.
- Spend ₹5,00,000 in a year → Get ₹7,000 voucher (Pantaloons or Yatra.com).
Airport Lounge Access
One of the key highlights of SBI Prime Credit Card is its complimentary lounge access.
- International Lounge Access: 4 free visits per year (2 per quarter) via Priority Pass.
- Domestic Lounge Access: 8 free visits per year (2 per quarter).
✅ Best part: No minimum spend criteria is required to access lounges.
Birthday Benefit
On your birthday, you earn 20 Reward Points per ₹100 spent (valid for 1 day before and 1 day after your birthday). You can earn up to 2,000 bonus points during this period.
Network Benefits (Visa, MasterCard, RuPay, Amex)
The SBI Prime Credit Card is available across four networks – Visa, MasterCard, RuPay, and American Express. Each comes with unique perks:
- RuPay Variant: Earn reward points on UPI transactions.
- Amex Variant: 25% discount at partner restaurants and bill payments.
- MasterCard Variant: 4 rounds of complimentary golf play per month.
- Visa Variant: Lifestyle & travel offers.
Fees & Charges
- Joining & Annual Fee: ₹2,999 + GST (waived if annual spends exceed ₹3,00,000).
- Interest Rate: 3.75% per month on outstanding balance.
- Forex Markup Fee: 3.5% on international transactions.
- Fuel Surcharge Waiver: 1% waiver on spends between ₹500–₹4,000 (max ₹250/month).
- Cash Withdrawal Fee: 2.5% or ₹500 (whichever is higher).
Pros & Cons of SBI Prime Credit Card
Pros ✅
- Complimentary domestic & international airport lounge access.
- Premium welcome gift vouchers worth ₹3,000.
- Milestone rewards for high spenders.
- Additional perks depending on chosen network (Visa, MasterCard, Amex, RuPay).
- Good for frequent grocery, dining, and movie spends.
Cons ❌
- Reward redemption value is low (₹0.25 per point).
- ₹99 + GST reward redemption fee.
- High forex markup fee (3.5%).
- Annual fee is relatively high if spends are below ₹3,00,000.
Conclusion
The SBI Prime Credit Card is ideal for individuals who spend heavily on dining, groceries, travel, and lifestyle categories. With complimentary lounge access, milestone vouchers, and welcome benefits, it offers strong value for premium users.
However, if you are looking for a card with higher reward point value or zero forex markup, you may want to explore other premium credit cards.
If your yearly spending crosses ₹3 lakh, this card easily justifies its fee. Otherwise, casual users might find the annual cost a bit high.
Final Verdict: A great lifestyle credit card for frequent travelers, shoppers, and high spenders.