SBI Card PRIME Business

The Bottom Line

High Fee, Good for Vistara Flights

10 Reward Points / ₹100 on Dining, Utility Bill Payments, Office Supplies, 2 Reward Points on all other spends except fuel and 9 Club Vistara Points on Vistara flights.

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Monthly Spend	₹5K	₹10K	₹20K	₹50K	₹100K
Net Reward Yield	(-4.0%)^	(-1.5%)^	(-0.3%)^	1.7%	1.2%
Est. Monthly Reward (₹)	(200)	(155)	(60)	865	1,245
All-India Rewards Rank*	314	314	323	37	83
Within Bank Rank*	59	57	63	16	28
* 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 SBI Card PRIME Business offers effective rewards of 2.5% on dining, utility bill payments and office supplies & 0.5% on all other spends. You also earn 9 Club Vistara Points for every Rs. 100 spent on Vistara flights, an effective reward of 8.1%.

Overall, you can earn a net reward yield of 1.2-1.7% on spends above ₹50,000 with this card. Regular Vistara customers would get higher net reward yield but there are better options for others.

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.

The Rewards

Card	SBI Card PRIME Business
Card Type	Reward
Reward Features	10 Reward Points / ₹100 on: – Dining – Utility Bills – Office Supplies 2 Reward Points / ₹100 on all other spends except fuel 9 Club Vistara Points / ₹100 on Vistara flights
Milestone Rewards	₹7,000 Yatra Voucher on annual spends of ₹5 Lacs
Other Rewards	– Complimentary Club Vistara Silver membership – 4 Complimentary International Airport Lounge Visits / Year – 2 Complimentary Domestic Airport Lounge Visits / Qtr – 1 Complimentary Upgrade Voucher from Vistara – 1 Complimentary Lounge Voucher from Vistara – ₹750 off on Flight bookings above ₹6,000 / Qtr. – 20% off on Hotel bookings / Qtr. – 4 Complimentary Golf games / Year
Rewards Redemption Fee	₹99
Reward Caps	Unlimited
Preferred Redemption Method	Use points to pay off statement balance @ ₹0.25/point

Fees & Charges

Card		SBI Card PRIME Business
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		3.5%
Cash Advance Charge		2.50% with a minimum of ₹500