STATE BANK
Ten points per hundred on dining, bills and office supplies, on a fee that Rs. 3 lakh of spend clears.
One-time
Waived on ₹3,00,000/yr
Uncapped rewards
Score 750+
Applying takes you to STATE BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
4 reward rates with their caps, taken from STATE BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
See where each figure came fromDining
No published ceiling on this tier
Utilities
No published ceiling on this tier
Groceries
No published ceiling on this tier
Everything else
No published ceiling on this tier
Fuel transactions All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Dining — 10 Reward Points per Rs. 100 spent on dining., with no stated cap.
Biggest limitation
New cards on the Mastercard network were stopped under RBI direction, so this card may not be open to new applicants. Confirm availability with SBI Card before applying.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedDining
10 Reward Points per Rs. 100 spent on dining.
10 pts
uncappedUtilities
10 Reward Points per Rs. 100 on utility bill payments.
10 pts
uncappedGroceries
10 Reward Points per Rs. 100 spent at Metro Cash & Carry stores.
2 pts
uncappedEverything else
2 Reward Points per Rs. 100 on all other retail spends, fuel excluded. Office supplies earn the 10-point rate.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹2,999 | — |
| Annual / renewal fee | ₹2,999 | Renewal fee of Rs. 2,999 + GST is waived on annual spends of Rs. 3,00,000 or more in the preceding year. |
| Add-on card | Nil. Up to 3 add-on cards at no additional cost, for family members above 18 years. | — |
| Cash withdrawal | 2.5%, min ₹500 | 2.5% of amount withdrawn or Rs. 500, whichever is higher (domestic and international ATMs) |
| Late payment | Nil up to Rs. 100; Rs. 100 above Rs. 100-500; Rs. 500 above Rs. 500-1,000; Rs. 750 above Rs. 1,000-10,000; Rs. 950 above Rs. 10,000-25,000; Rs. 1,100 above Rs. 25,000-50,000; Rs. 1,300 above Rs. 50,000. An extra Rs. 100 per cycle applies if the Minimum Amount Due is missed for two consecutive cycles. Finance charge up to 3.75% per month (45% p.a.). | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
₹3,000
of one-time welcome value, on top of what you earn
Every year after
₹3,00,000 a year
is what it takes to keep the ₹2,999 fee off — about ₹25,000 a month
1% waiver. 1% fuel surcharge waiver on fuel transactions between Rs. 500 and Rs. 4,000. No per-cycle cap is published for this card.
This is a Mastercard. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Welcome — once
₹3,000
quantified, and kept out of every recurring figure on CredSpy
Milestones — every year
2
spend thresholds you can reach again each year
E-gift voucher worth Rs. 3,000 from Yatra for Business, sent within 30 days of the joining fee being paid.
Spend ₹3,00,000 a year — about ₹25,000 a month
Renewal fee of Rs. 2,999 waived on annual spends of Rs. 3,00,000.
Spend ₹5,00,000 a year — about ₹41,667 a month
E-gift voucher worth Rs. 7,000 from Yatra for Business on annual spends of Rs. 5,00,000.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
STATE BANKYatra SBI Card BK₹499
STATE BANKEtihad Guest SBI Card BK₹1,499
STATE BANKEtihad Guest SBI Premier Card BK₹4,999
STATE BANKFabindia SBI Card BK₹499
STATE BANKFabindia SBI Card SELECT BK₹1,499
STATE BANKCentral SBI Select Card BK₹750| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| SBI Card Prime Business Card BK · this card | ₹2,999 | 10% dining | Included |
| Yatra SBI Card BK | ₹499 | See card | No |
| Etihad Guest SBI Card BK | ₹1,499 | See card | No |
| Etihad Guest SBI Premier Card BK | ₹4,999 | See card | No |
| Fabindia SBI Card BK | ₹499 | See card | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹2,999 plus GST, waived on ₹3,00,000 of annual spend.
The strongest published rate is 10% on dining, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. 8 complimentary visits a year to Mastercard lounges in India, capped at 2 per calendar quarter. No additional spend condition.
This is a Mastercard. UPI credit-card linking is available only on RuPay credit cards, so it cannot be added to a UPI app.
Fuel transactions Cash advances and ATM withdrawals Wallet loads Insurance premiums Rent payments EMI transactions No Reward Points on fuel transactions, cash advances and atm withdrawals, wallet loads, insurance premiums, rent payments, emi transactions. Fuel, rent, wallet loads, insurance, utility/govt. payments, and EMI transactions are generally excluded from milestone and welcome-benefit qualifying spends
Statement credit against the outstanding card balance, SBI Card rewards catalogue
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
SBI Card Prime Business Card BK — 10% on dining. ₹2,999 a year.
