Key Features & Benefits
- ✦20X Reward Points on utility bill standing instructions (5% effective rate)
- ✦10X Reward Points on grocery, dining, movies & departmental stores (2.5%)
- ✦2 Reward Points per ₹100 on all other eligible spends
- ✦8 complimentary domestic lounge visits per year
- ✦2 international lounge visits via Priority Pass per year
- ✦Complimentary Trident Privilege Red Tier membership
- ✦Annual spend vouchers worth ₹8,000 in e-gift cards on milestones
- ✦1% fuel surcharge waiver
- ✦Annual fee waiver on ₹3L annual spend
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Welcome & Joining Benefits
- ✦E-gift voucher worth ₹3,000 from Yatra / Bata / Pantaloons / Shoppers Stop / Aditya Birla Fashion
Milestone Benefits
- ✦₹50K quarterly spend → ₹1,000 e-gift voucher (up to ₹4,000/year)
- ✦₹3L annual spend → Annual fee waived
- ✦₹5L annual spend → ₹4,000 additional e-gift vouchers
Pros & Cons
✓ Advantages
- ✓20X on utility standing instructions — great for electricity/gas bill payers
- ✓10X on grocery + dining — covers two of India's biggest spend categories
- ✓Annual vouchers worth up to ₹8,000 offset the ₹2,999 fee
- ✓Annual fee waiver at just ₹3L spend — very achievable
- ✓Priority Pass for international travel
✗ Disadvantages
- ✗3.5% forex — not suitable for international spending
- ✗Priority Pass limited to 2 international visits/year
- ✗Reward Points expire after 2 years
Frequently Asked Questions
What counts as 'utility standing instruction' for 20X?▼
Utility bill payments set up as standing instructions (auto-debit) on your PRIME card — electricity, gas, water, landline, mobile postpaid — earn 20X Reward Points. One-time bill payments may not qualify; auto-pay setup required.
How do I get the e-gift voucher milestones?▼
SBI automatically tracks quarterly spends. On crossing ₹50,000 in a quarter, a ₹1,000 e-gift voucher is issued via SMS/email within 15 days from top brands like Yatra, Bata, Shoppers Stop, and Pantaloons.
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