{
  "id": "sbi-prime",
  "locale": "en",
  "name": "SBI Prime Credit Card",
  "bank": "SBI Card",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,999 + GST",
  "loungeAccess": "8 domestic visits/yr (max 2/qtr); 4 international Priority Pass visits/yr outside India (max 2/qtr)",
  "rewardsRate": "10 points / ₹100 on dining, groceries, departmental stores and movies · 2 points / ₹100 other retail",
  "bestFor": "Spenders who dine out, buy groceries, and use domestic/international airport lounges",
  "officialLink": "https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html",
  "aiVerdict": {
    "score": 4.9,
    "summary": "It offers baseline benefits without any standout strength in rewards, fees, or lounge access.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹2999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 0.75
  },
  "affiliateId": "sbi-prime",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.sbicard.com/en/personal/credit-cards/sbi-card-prime.html",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/ekit-tncs/prime-and-primepro/PRIMe-TnCekit.pdf",
    "https://www.sbicard.com/sbi-card-en/assets/docs/pdf/kfs/key-fact-statement.pdf"
  ],
  "feeWaiver": "Waived at ₹3,00,000 annual spend",
  "networks": [
    "Visa",
    "Mastercard",
    "American Express",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹2,999 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "₹3 lakh or more annual spend in preceding year"
    },
    {
      "key": "Accelerated rewards",
      "value": "10 points/₹100 on dining, grocery, departmental & movies (7,500 monthly cap)"
    },
    {
      "key": "Domestic lounge",
      "value": "8 visits / year (max 2 / quarter)"
    },
    {
      "key": "International lounge",
      "value": "4 Priority Pass visits / calendar year outside India (max 2 / quarter)"
    },
    {
      "key": "Welcome gift",
      "value": "₹3,000 brand voucher from Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla or Shoppers Stop"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, groceries, departmental stores and movies",
      "rate": "10 points / ₹100",
      "monthlyCap": "7,500 points per calendar month; then 2 points / ₹100"
    },
    {
      "category": "Birthday spends (1 day before, on, and 1 day after)",
      "rate": "20 points / ₹100",
      "monthlyCap": "2,000 points per calendar year"
    },
    {
      "category": "Other eligible retail spends",
      "rate": "2 points / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining, grocery, departmental stores & movies",
      "multiplier": "5×",
      "rate": "10 points / ₹100",
      "monthlyCap": "7,500 points per calendar month",
      "note": "Base 2 points per ₹100 applies after reaching the monthly cap."
    },
    {
      "channel": "Birthday spends",
      "multiplier": "10×",
      "rate": "20 points / ₹100",
      "monthlyCap": "2,000 points per calendar year",
      "note": "Valid on birthday and 1 day before/after; no other accelerated points accrue during this window."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Fuel purchases at petrol pumps/service stations (MCC 5172, 5541, 5542, 5983) do not earn reward points.",
    "Wallet loading transactions (MCC 6540, 6541) do not earn reward points.",
    "Domestic airport lounge visits using the Priority Pass card are charged (USD 27+ applicable taxes per visit)."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹2,999 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹2,999 + applicable taxes; reversed after at least ₹3 lakh annual spend in the preceding year"
    },
    {
      "item": "Forex markup",
      "value": "3.5% + applicable taxes"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "1% on ₹500–₹4,000 transactions; maximum ₹250 per statement cycle"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}