SBI Card PRIME

Mid

SBI Card

Where it ranks · across all 71 cards

🥉 Utility bills5.0%direct#13 Groceries2.5%direct#11 Dining out2.5%direct#18 Movies & events2.5%direct

What a point is worth

Earning 2 pts / ₹100, the same point pays very differently by redemption path:

Redemption path	Per point	Effective on spends
Vouchers / catalogue	₹0.25	0.50%
Statement credit	₹0.25	0.50%

SBI RP ₹0.25 (bank). Rankings across KaunsaCard use a single conservative value (₹0.25/pt = 0.50%); transfer ceilings assume premium-cabin awards and are never used to rank.

Reward rules

Points valued at ₹0.25/pt - conservative, what rankings use

Base rate - everything not covered below

2 pts / ₹100= 2 pts per ₹100

0.50%

conservative value

10 pts/₹100 on dining/grocery/movies/dept stores (SBI brands this 10X)

10 pts / ₹100= 10 pts per ₹100

2.50%

conservative value

7,500 pts/month

7,500 pts/month cap on accelerated categories.

Source: SBI PRIME T&C · 2026-08-20

20 RP/₹100 on utility bills via Standing Instructions (SBI platforms)

20 pts / ₹100= 20 pts per ₹100

5.00%

conservative value

3,000 RP/month on utility SI

Also: birthday 20X for 3 days (capped 2,000 RP/year, replaces other accelerations during the window) - date-based, not modeled numerically.

Source: SBI Card PRIME e-kit T&C (bank PDF) · 2026-08-22

Milestones

₹50,000 / quarter

Pizza Hut e-voucher ₹1,000 (Prime Pro variant: ₹500)

worth ≈ ₹1,000

₹5,00,000 / year

₹7,000 Yatra/Pantaloons e-voucher

worth ≈ ₹7,000

Earns nothing on

⊘ Petrol pumps/service stations excluded from rewards.5172 5541 5542 5983bank MCC list→ use MakeMyTrip ICICI here (1.0%)
⊘ E-wallet loads excluded w.e.f. 1 Jul 2020.6540 6541bank MCC list→ use SC Ultimate here (3.3%)
⊘ Rent excluded w.e.f. 1 Apr 2024 (PRIME on the bank card list).6513bank MCC list→ use Axis Burgundy Private here (4.5%)
⊘ Government transactions excluded w.e.f. 1 Jun 2024 (bank card list).9399 9311bank MCC list→ use PVR INOX Kotak here (3.0%)
⊘ Flexipay and Merchant EMI excluded.