SBI Card · Mid
SBI Card PRIME
Where it ranks across all 187 cards
#2 Utility bills
5.0%
direct
#22 Dining out
2.5%
direct
#26 Groceries
2.5%
direct
#30 Movies & events
2.5%
direct
#55 Insurance
0.5%
direct
#58 Education
0.5%
direct
#79 Jewellery & watches
0.5%
direct
#86 Gaming
0.5%
direct
#94 Mobile / broadband
0.5%
direct
#103 Train tickets
0.5%
direct
#109 Cabs & transit
0.5%
direct
#116 Health & pharmacy
0.5%
direct
#118 Other
0.5%
direct
#119 Electronics
0.5%
direct
#122 Hotels
0.5%
direct
#123 Flights
0.5%
direct
#126 Online shopping
0.5%
direct
#127 Fashion
0.5%
direct
#128 Food delivery
0.5%
direct
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SBI RP ₹0.25 (bank)
Points valued at ₹0.25/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
0.50%base rate
2 pts / ₹100
source
Source: SBI PRIME MITC - sbicard.com - read 20 Aug 2026
10 pts/₹100 on dining/grocery/movies/dept stores (SBI brands this 10X)
2.50%this rule
10 pts / ₹100
how it works & source
7,500 pts/month cap on accelerated categories.
Source: SBI PRIME T&C - sbicard.com - read 20 Aug 2026
20 RP/₹100 on utility bills via Standing Instructions (SBI platforms)
5.00%this rule
20 pts / ₹100
how it works & source
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) - sbicard.com - read 22 Aug 2026
Percentages here are each rule's own rate.
The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and
portal/voucher routes above are shown for completeness but never set it.
Earns nothing on5 exclusions
Fuel
earns nothing
Petrol pumps/service stations excluded from rewards.
→ use Kotak Cashback+ Credit Card here (3.0%)
detail & source
categories: Fuel · MCCs: 5172, 5541, 5542, 5983
Source: SBI Card PRIME T&C booklet FY24 (bank PDF) - sbicard.com - read 22 Aug 2026
Wallet load
earns nothing
E-wallet loads excluded w.e.f.
→ use SC Ultimate here (3.3%)
detail & source
1 Jul 2020.
categories: Wallet load · MCCs: 6540, 6541
Source: SBI Card PRIME T&C booklet FY24 (bank PDF) - sbicard.com - read 22 Aug 2026
Rent
earns nothing
Rent excluded w.e.f. 1 Apr 2024 (PRIME on the bank card list).
→ use Axis Burgundy Private here (5.2%)
detail & source
categories: Rent · MCCs: 6513
Source: SBI Card rent-exclusion card list w.e.f. 1 Apr 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
Government / tax
earns nothing
Government transactions excluded w.e.f.
→ use Biz Black Metal Edition Credit Card here (3.3%)
detail & source
1 Jun 2024 (bank card list).
categories: Government / tax · MCCs: 9399, 9311
Source: SBI Card govt-exclusion card list w.e.f. 1 Jun 2024 (bank PDF) - sbicard.com - read 22 Aug 2026
EMI
earns nothing
Flexipay and Merchant EMI excluded.
→ use Kotak Solitaire Credit Card here (3.0%)
detail & source
categories: EMI
Source: SBI Card PRIME T&C booklet FY24 (bank PDF) - sbicard.com - read 22 Aug 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.