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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-2.0%)^ | (-0.1%)^ | 0.7% | 2.4% | 1.8% |
| Est. Monthly Reward (₹) | (100) | (10) | 140 | 1,175 | 1,765 |
| All-India Rewards Rank* | 274 | 233 | 122 | 10 | 37 |
| Within Bank Rank* | 43 | 33 | 23 | 3 | 11 |
| * 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. |
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The Karnataka Bank SBI Card PRIME offers effective rewards of 5% on utility bill payments, 2.5% on grocery, dining & entertainment and 0.5% on all other spends. 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 0.7-2.4% on monthly spends above ₹20,000 with this card.
The CASHBACK SBI Card is the best credit card from SBI Card, no matter how much you spend in a month. It offers a net rewards yield of 1.3-2.3% on all your transactions.
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.
| Card | Karnataka Bank SBI Card PRIME |
|---|---|
| Card Type | Reward |
| Reward Features | 20 Rewards / ₹100 on Utility bills
10 Rewards / ₹100 on: 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 – Enjoy complimentary Trident Privilege Red Tier Membership |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | Unlimited |
| Preferred Redemption Method | Use points to pay off statement balance @ ₹0.25/point |
| Card | Karnataka Bank 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 |
| 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 | |
Questions? Suggestions? See a mistake? Write to us!
Our analysis of 100s of flights shows that miles from international airlines are worth much less in India that they are globally, between 16-54% less. Their value in India is between ₹0.50/mile for the Etihad to ₹0.80/mile for BA & SQ.
2 Free Movie / Stream / Play / Events / Sports / Activities tickets up to ₹250 each and ₹100 off on F&B Spends on BookMyShow tickets.
8 reward points / ₹400 on bill payments & education and 1 point on all other spends. Fuel surcharge waiver of up to ₹100 per month.
