{
  "id": "sbi-prime",
  "locale": "hinglish",
  "name": "SBI Prime Credit Card",
  "bank": "SBI Card",
  "cardType": "premium",
  "cardTier": "premium",
  "annualFee": "₹2,999 + GST",
  "loungeAccess": "Saal mein 8 domestic visits (max 2/qtr); Priority Pass se India ke bahar 4 international visits (max 2/qtr)",
  "rewardsRate": "Dining, grocery, departmental stores aur movies par 10 points / ₹100 · baaki retail par 2 points / ₹100",
  "bestFor": "Dining, grocery shopping aur domestic/international airport lounges use karne wale spenders",
  "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": "₹3,00,000 annual spend complete karne par fee waive",
  "networks": [
    "Visa",
    "Mastercard",
    "American Express",
    "RuPay"
  ],
  "quickFacts": [
    {
      "key": "Annual fee",
      "value": "₹2,999 + taxes"
    },
    {
      "key": "Renewal waiver",
      "value": "Pichhle saal kam se kam ₹3 lakh spend"
    },
    {
      "key": "Accelerated rewards",
      "value": "Dining, grocery, departmental & movies par 10 points/₹100 (7,500 monthly cap)"
    },
    {
      "key": "Domestic lounge",
      "value": "Saal mein 8 visits (max 2 / quarter)"
    },
    {
      "key": "International lounge",
      "value": "Priority Pass se India ke bahar saal mein 4 visits (max 2 / quarter)"
    },
    {
      "key": "Welcome gift",
      "value": "Yatra, Bata/Hush Puppies, Pantaloons, Aditya Birla ya Shoppers Stop se ₹3,000 ka brand voucher"
    }
  ],
  "earnRates": [
    {
      "category": "Dining, groceries, departmental stores aur movies",
      "rate": "10 points / ₹100",
      "monthlyCap": "Har calendar month 7,500 points; phir 2 points / ₹100"
    },
    {
      "category": "Birthday spends (birthday, 1 din pehle aur 1 din baad)",
      "rate": "20 points / ₹100",
      "monthlyCap": "Per calendar year 2,000 points"
    },
    {
      "category": "Baaki eligible retail spends",
      "rate": "2 points / ₹100"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Dining, grocery, departmental & movies",
      "multiplier": "5×",
      "rate": "10 points / ₹100",
      "monthlyCap": "Har calendar month 7,500 points",
      "note": "Monthly cap ke baad base 2 points per ₹100 milte hain."
    },
    {
      "channel": "Birthday spends",
      "multiplier": "10×",
      "rate": "20 points / ₹100",
      "monthlyCap": "Per calendar year 2,000 points",
      "note": "Birthday aur 1 din pehle/baad valid; is window mein doosre accelerated points nahi milte."
    }
  ],
  "redemptionRoutes": [],
  "exclusions": [
    "Petrol pump transactions (MCC 5172, 5541, 5542, 5983) par points nahi milte.",
    "Wallet loading transactions (MCC 6540, 6541) par points nahi milte.",
    "Priority Pass card se domestic airport lounge access lene par charge (USD 27 + taxes) lagta hai."
  ],
  "feesDetail": [
    {
      "item": "First-year fee",
      "value": "₹2,999 + applicable taxes"
    },
    {
      "item": "Renewal fee",
      "value": "₹2,999 + applicable taxes; pichhle saal kam se kam ₹3 lakh spend par reverse"
    },
    {
      "item": "Forex markup",
      "value": "3.5% + applicable taxes"
    },
    {
      "item": "Fuel surcharge waiver",
      "value": "₹500–₹4,000 transactions par 1%; statement cycle max ₹250"
    }
  ],
  "eligibilityDetail": [],
  "timelineEvents": [],
  "pointsValuation": null
}