SBI Card PRIME

• Dining, Departmental stores, Grocery and Movies — 7,500 RP / month (shared cap — Dining, Departmental stores, Grocery and Movies)
• Utilities (Standing Instructions) — 3,000 RP / month (per category — Utilities (Standing Instructions))

• Rent — Not eligible. No reward points on rent payments (MCC 6513): Shop & Smile Section IV(f) for the cards on its attached list — not supplied, so this card's inclusion rests on earlier research.
• Fuel — Not eligible. No reward points on purchases at petrol pumps / service stations (MCC 5172, 5541, 5542, 5983): Shop & Smile Section IV(b).
• Government — Not eligible. No reward points on government related transactions (MCC 9399, 9311): Shop & Smile Section IV(g) for the cards on its attached list — not supplied, so this card's inclusion rests on earlier research.
• Wallet — Not eligible. E-wallet loading, prepaid card purchases and account funding (MCC 6540, 6541) earn no reward points: Shop & Smile Section IV(e), which names SBI Card Prime.

• Spend ₹3,00,000 per card year → benefit worth ₹2,999 — Annual fee waiver: the renewal fee is waived on annual spends of Rs.3 Lakh or more in the preceding year. Source: SBI Cards - Most Important Terms & Conditions, Section 1.A Annual Fees & Renewal Fees (fee table, pages 1-11).
• Milestone → benefit worth ₹3,000 — Welcome gift: after paying the membership fee for the eligible year, the cardholder can choose e-vouchers in multiples of ₹1,000 up to a total of ₹3,000 from the brand options on the GyFTR welcome-kit page; redeemable within 6 months of receipt of the communication; the account must be in good standing. Informational: not counted in the engine net value (no spend threshold; the nominal value is the maximum of a brand-choice voucher). Source: SBI Card PRIME - Reward Point Program Terms & Conditions (Prime T&C booklet, Part 1), Welcome Gift Terms & Conditions.
• Spend ₹50,000 per quarter → benefit worth ₹1,000 — Quarterly milestone privilege: Pizza Hut e-Voucher worth ₹1,000 on achieving retail spends of ₹50,000 in a calendar quarter (up to 4 times a year = ₹4,000/yr). Prime Pro cardholders receive ₹500 voucher on the same spend. Lineage: the PRIME booklet contains the Pizza Hut e-voucher terms and states ₹500 for Prime Pro cardholders on the same ₹50,000 calendar-quarter spend; the standard-PRIME ₹1,000 amount comes from the product-page record (SBI-PRIME-PAGE-2026) and is not stated in the booklet. The engine counts it once (₹1,000) at face value.
• Spend ₹5,00,000 per card year → benefit worth ₹7,000 — Annual milestone privilege: e-Gift Voucher worth ₹7,000 from Yatra.com or Pantaloons on achieving annual retail spends of ₹5 Lakh. Lineage: the PRIME booklet contains the Yatra.com and Pantaloons milestone e-gift voucher terms but not the ₹5 lakh threshold or the ₹7,000 amount, which come from the product-page record (SBI-PRIME-PAGE-2026). The engine counts it once at face value.

Bank eligibility / internal underwriting

• Payment network: Visa / Mastercard / American Express
• Airport lounge: Priority Pass 4 intl visits/yr, 8 domestic lounge visits/yr.
• Fuel surcharge waiver: 1% fuel surcharge waiver at all petrol pumps in India on fuel transactions of ₹500 to ₹4,000, maximum waiver ₹250 per billing statement per credit card account.
• Foreign-currency markup: 3.5% foreign-currency markup — Charged on every foreign-currency transaction (SBI Card PRIME). The exchange rate is determined by the network (VISA/Mastercard etc.) on the date the transaction is settled with SBI Card.

• Renewal fee ₹2,999 plus applicable taxes, charged every year for SBI Card PRIME
• Over-limit fee: 2.5% of the amount above the credit limit or ₹600, whichever is higher, charged once per billing cycle
• Payment dishonour fee: 2% of the payment amount, subject to a minimum of ₹500
• Cheque payment fee ₹200
• Card replacement fee between ₹100 and ₹250 depending on the card variant

1 area needs further verification. None of these are counted as zero.

• • FASTag — depends on how the transaction is processed