SBI Prime
Step up from SimplyClick with lounge access.
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5-year value calculator
How much SBI Prime actually pays you over time, net of annual fees.
Includes 40% in this card's boost category, 60% general spend.
Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.
Reward rates
What you earn back, by category.
₹3,000 e-gift voucher (Aditya Birla / Bata / Pantaloons / Yatra)
What you get
- 10x reward points on dining + grocery + departmental + movies
- 5x on utility bill payments
- 8 domestic + 4 international lounge visits/year
- Club Vistara Silver + Trident Privilege Red
Eligibility
These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.
Best SaaS to pay with the SBI Prime
The SaaS subscriptions where SBI Prime earns the most for you — ranked by net annual savings vs a default 3.5%-forex retail card. If your stack covers all six, the modelled savings stack to ≈ ₹33,915/yr.
Greenhouse
1.25% rewards on hr category — better than the 1% default.
Drift
1.25% rewards on crm category — better than the 1% default.
Vanta
1.25% rewards on engineering category — better than the 1% default.
Drata
1.25% rewards on engineering category — better than the 1% default.
Trello
5% rewards on productivity category — better than the 1% default.
PostHog
5% rewards on marketing category — better than the 1% default.
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Bill payments + utilities + fuel — set-and-forget cashback