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| Monthly Spend | ₹5K | ₹10K | ₹20K | ₹50K | ₹100K |
|---|---|---|---|---|---|
| Net Reward Yield | (-2.0%)^ | (-0.1%)^ | 0.7% | 2.3% | 1.7% |
| Est. Monthly Reward (₹) | (100) | (10) | 135 | 1,155 | 1,715 |
| All-India Rewards Rank* | 274 | 239 | 134 | 14 | 44 |
| Within Bank Rank* | 43 | 39 | 28 | 7 | 17 |
| * 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 SBI Card PRIME Advantage gives 5% effective rewards on utility bills, 2.5% on dining, movies & grocery and 0.5% on all other retail spends.
Overall, you can earn a net reward yield of 0.7-2.3% on spends above ₹20,000 with this card, making this an average 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 spend.
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 | SBI Card PRIME Advantage |
|---|---|
| Card Type | Reward |
| Reward Features | 10 Rewards / ₹100 on: – Dining – Grocery – Movies 20 Rewards / ₹100 on Utility bills 2 Rewards / ₹100 on all other retail spends |
| 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
– Enjoy complimentary Trident Privilege Red Tier Membership – 2 Complimentary Domestic Airport Lounge Visits / Qtr – 1 Complimentary International Airport Lounge Visits / Qtr |
| Rewards Redemption Fee | ₹99 |
| Reward Caps | 3000 Reward points p.m. on Utility Bills |
| Preferred Redemption Method | Use points to pay off statement balance @ ₹0.25/point |
| Card | SBI Card PRIME Advantage | |
|---|---|---|
| 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.
