Central Bank of India SBI Card PRIME

The Bottom Line

Great for high-spending Vistara Customers

20 reward points / ₹100 for utility bills, 10 points on dining, grocery & movies and 2 points for the rest. 9 CV Points for Vistara flight bookings.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	(-2.1%)^	(-0.2%)^	0.6%	2.3%	1.7%
Est. Monthly Reward (₹)	(105)	(20)	120	1,155	1,725
All-India Rewards Rank*	281	248	148	16	41
Within Bank Rank*	49	41	31	8	15
* Based on est. net reward yield for nearly 400 credit cards in India, for each monthly spending level. Read about how we calculate the net reward yield here. ^The negative figure means at this level of monthly spends, the rewards earned in a year will be worth less than the annual fee.

The Central Bank of India SBI Card PRIME gives 5% effective reward on utility bill payments, 2.5% on grocery, dining & entertainment and 0.5% on all other spending. Vistara flight bookings via Vistara website earn 8.1% rewards in form of CV points.

Overall, we estimate you can earn a net reward yield of 1.7-2.3% on monthly spending above ₹50,000 with this card.

The CASHBACK SBI Card is the best credit card for most SBI Card customers. We estimate it offers an average net reward yield of 1.9-2.3% on all your spending.

The SBI Unnati Credit Card is the best entry level card, if you spend less than ₹10,000. It offers a net reward yield of 0.3-1.1% with this card on all your spending.

Our list of the best credit cards in India, at every spending level and from every bank, is here. You can find a detailed discussion of our methodology here.

The Rewards

Card	Central Bank of India SBI Card PRIME
Card Type	Reward
Reward Features	20 Rewards / ₹100 on Utility bills 10 Rewards / ₹100 on: – Dining – Grocery – Movies 2 Rewards / ₹100 on all other retail spends 9 Club Vistara Points / ₹100 on Vistara flights
Milestone Rewards	– Pizza Hut e-Voucher worth Rs. 1,000 on achieving spends of Rs. 50,000 in a calendar quarter – E-Gift Voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 Lacs
Other Rewards	– Complimentary Club Vistara Silver membership – 2 Complimentary Domestic Airport Lounge Visits / Qtr – 1 Complimentary International Airport Lounge Visits / Qtr
Rewards Redemption Fee	₹99
Reward Caps	Unlimited
Preferred Redemption Method	Use points to pay off statement balance @ ₹0.25/point

Fees & Charges

Card		Central Bank of India SBI Card PRIME
Joining Fee		₹2,999 + Taxes
Annual Fee		₹2,999 + Taxes
Min. Annual Credit Card Spend for Fee Waiver		₹3 Lacs
Income Criteria	Salaried	N/A
Income Criteria	Self-employed	N/A
Supplementary Card Fee		Free
Interest Rate		42.00%
Foreign Currency Markup		3.50%
Cash Advance Charge		2.50% with a minimum of ₹500