SBI Card PRIME cashback rate, cap and annual fee
SBI Card PRIME pays 2.5% on dining, and 4 other rates. The card costs INR 2,999 a year.
SBI Card · India · catalogue v101
Read from SBI Card's own published terms on 19 Sep 2026.
INR 2,999Annual fee
2.5%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| dining | 2.50% | —Restaurants, on the band with department stores, films and groceries. 10 Reward Points per Rs 100. |
| supermarkets | 2.50% | —Department stores, on the same band. |
| entertainment | 2.50% | —Films, on the same band. |
| groceries | 2.50% | —Groceries, on the same band. |
| everything else | 0.50% | —Everything else: 2 Reward Points per Rs 100. |
| fuel | None | —Fuel earns nothing. SBI excludes it from the general rate in as many words, so this is a rule at zero rather than a missing rule. A 1% surcharge waive |
10 Reward Points per Rs 100 on dining, department stores, films and groceries, and 2 per Rs 100 on everything else — a five-to-one gap rather than the ten-to-one on the cheaper SimplySAVE, and on a Rs 100 denominator rather than Rs 150, so the base rate is three times the SimplySAVE's. Fuel is excluded from the 2 outright and earns nothing. Utility bills set up as standing instructions earn 20 per Rs 100 until 3,000 points are taken, then drop to 2. Birthday spending earns 20 per Rs 100, capped at 2,000 points a year. SBI prints the point's value on the same page — 4 Reward Points = Re. 1 — so a point is 25 paise, and that is the rate every figure here uses rather than a catalogue's estimate. Rs 2,999 plus tax, reversed on Rs 3 lakh of annual spending. Source: sbicard.com's own page for the card, read 19 Sep 2026.
Questions people ask
What cashback does the SBI Card PRIME pay?
2.5% on dining, and 4 other rates.
Is there a cap on the SBI Card PRIME?
No monthly cap is published on the rates shown here.
What is the annual fee on the SBI Card PRIME?
INR 2,999 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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