Landmark Rewards SBI Card PRIME
DowngradeA department-store card that quietly outguns half the travel board on lounge access.
a year at ₹40,000 a month, after the fee
Skip the arithmetic — the board, ranked → · nothing to sign up for
What it's worth to you, after the fee
Welcome: 12,000 bonus Reward Points worth ₹3,000 on payment of the annual fee
Priced on the everyday mix — 30% groceries · 10% utilities · 20% travel · 6% fuel · 34% everything else — with this card's published category rules applied: it earns nothing on fuel here, so that spend is dropped, not paid at the headline, and stops pacing milestones and the waiver. Plus milestones, minus the fee. No accelerator credit — the ranking model on /compare adds ~20% of spend at the card's best accelerator, so its ₹ for this card reads higher.
How these numbers are computed — and why the rankings show a bigger one →
Spend tiers, milestones and fee waivers included, at our house ₹/point. Portal and category multipliers can push higher — run your exact number →
Pays for itself at ₹45,000 a month
At ₹45,000 a month — ₹5,40,000 a year — on the everyday mix this card returns ₹7,500 gross (earn ₹2,500 + milestones ₹5,000) against its ₹2,999 fee = ₹4,500 net — the first rung at or above ₹0. The ladder runs in ₹1,000 steps to ₹1,00,000 a month and ₹10,000 steps to ₹5,00,000; figures are rounded to the hundred, and the accelerator is never credited.
3 notes on the card itself: how it is issued · the network variants · why it ranks #208
Why #208 The only ₹2,999 card in SBI's lifestyle range with twelve lounge entries and NO spend-based fee reversal — you pay every year, and the points that fund the fee only spend at Lifestyle and Home Centre.
The take
Eight complimentary domestic lounge visits a year plus four international Priority Pass entries is a better airport proposition than several cards ranked above this one, and nobody looking for it would ever search under "Lifestyle" or "Home Centre". That is the interesting part. The uninteresting part is everything else: the Reward Points are SBI's ₹0.25 catalogue currency, they redeem instantly at Landmark tills and nowhere else, and they reach no airline and no hotel. The 10 RP per ₹100 on international spend is 2.5% back against a 3.5% foreign-currency markup — you lose a point on every swipe abroad. And unlike Titan and Reliance PRIME, the ₹2,999 here has no spend-based reversal at all; SBI's MITC prints the renewal fee flat, with no waiver clause. Buy it if the Landmark Group is your household's default; otherwise the fee never goes away.
Your renewal — keep, downgrade or cancel
Here is the fee, the spend that clears it, and everything that has moved under this card since you last decided.
Keep, downgrade or cancel
₹2,999/yr at stake · 5 spend bands
The charge ₹2,999/yr
Break-even ₹45,000 a month — ₹5,40,000 a year — is where this card's value crosses its fee.
At your spend
−₹1,600 a year, net of the fee, at ₹3,00,000 of annual spend
₹4,800 a year, net of the fee, at ₹6,00,000 of annual spend
₹7,600 a year, net of the fee, at ₹12,00,000 of annual spend
₹18,900 a year, net of the fee, at ₹36,00,000 of annual spend
₹30,200 a year, net of the fee, at ₹60,00,000 of annual spend
Everyday earn plus milestones, minus the fee — the same model as the value panel above, so the two cannot disagree. run your exact spend →
Your copy of this card
You hold this card.
Kept on this device, in your browser. It is never sent to us, never synced, and nothing else on the site reads it yet.
The downgrade
SBI Card publishes no document naming a card you can step down to, so we name none — an invented product change is a phone call you would waste. That leaves keep or cancel, and the numbers above are the whole of it.
What has changed under this card
- 3 Aug 2026 SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programme issuer-wide
- 31 Mar 2026 SBI kills both Etihad Guest co-brands and force-swaps holders into MILES issuer-wide
- 10 Jan 2026 SBI Card splits domestic lounges into tiers, adds entry fees issuer-wide
We price what is in force today — a change that has not happened yet is not in these numbers. the full archive for this card →
If you call to cancel
What the bank offers to keep you is the one fact this desk cannot compute. We are collecting those reports — dated, and only in aggregate — before publishing any: an offer one reader was made is not one you are owed. Called about this card? Tell us what they offered →
The desk publishes subscribable .ics feeds for the dates it knows — offer deadlines, devaluations, expiry audits. Your renewal date is not one of them: only your statement knows it.
What's good
- 8 complimentary domestic lounge visits a year (max 2 a quarter) on SBI's 30-room "Set B" list
- 4 complimentary international Priority Pass visits a year (max 2 a quarter), membership worth US$99
- 25 Reward Points per ₹100 at Lifestyle, Home Centre, Max, Spar, Baby Shop and EasyBuy — 6.25% back
- 10 Reward Points per ₹100 on dining, movies and international spend
- 12,000 welcome points worth ₹3,000, plus 20,000 bonus points at ₹5 lakh of annual retail spend
Watch out
- NO spend-based fee reversal — the MITC prints ₹2,999 renewal flat, unlike Titan and Reliance PRIME, which both waive at ₹3 lakh
- Reward Points are ₹0.25 and redeem only inside the Landmark Group — no airline, no hotel, no cash
- 3.5% foreign-currency markup against 2.5% earned on international spend: every swipe abroad is a net loss
- Fuel, rent, government spend, gaming, wallet loads and EMI conversions earn nothing
- Domestic visits are restricted to SBI's "Set B" list of 30 lounges in 18 cities, not the whole Visa network
- Priority Pass inside India is US$27+tax a visit — the four complimentary entries are for lounges OUTSIDE India only
What these points actually fly
No live transfer route takes SBI Reward Points into a programme that publishes an award chart. These points buy catalogue and portal redemptions, not award seats — so this page has no flight to show you, and will not invent one.
what the cards that DO reach a chart can fly — 2,196 corridors priced →
What earns, what doesn't
5 sourced rules · 3 pay zero
2 Reward Points per ₹100 base = 0.5%, 25 per ₹100 at Landmark stores (Max, Lifestyle, Home Centre, Spar, EasyBuy, Babyshop) and 10 per ₹100 on dining, movies and international spend. §11.4(c) is the only card-specific exclusion and it covers fuel alone; the wallet and EMI rows come from the program-wide Shop-and-Smile register. DELIBERATELY INCOMPLETE — see the desk note on rent and government below.
- Fuel · excluded Zero points — §11.4(c) prints the MCCs as "5712, 5541, 5983, and 5542"; 5712 is a typo in SBI's own PDF for the fuel code 5172, which is the number every other SBI booklet uses
- Wallet loads · excluded Zero points — e-wallet loading under MCC 6540 and 6541, w.e.f. 1 Jul 2020, from the program-wide Shop-and-Smile exclusion list
- Dining & food delivery · accelerated 10 Reward Points per ₹100 on dining, movies and international spend — 2.5% at four points to the rupee, five times the 2 RP/₹100 base. §11.4(c) is this card's only card-specific exclusion clause and it covers fuel alone, so dining is not carved out anywhere; SBI publishes no ceiling on this rung either
- EMI conversions / merchant EMI · excluded Zero points — Flexipay and merchant EMI, reversed w.e.f. 20 Nov 2020, from the same program-wide list
Does your spend count toward the milestones?
not published — and we say which
₹5,00,000 a year is the bar for the first milestone. A different question from the one above — earning points and counting toward a threshold are separate rules, and issuers write them separately.
Not published. SBI Card states what the Landmark Rewards SBI Card PRIME earns and does not earn, but has not published which spend categories count toward the milestones — the ₹5,00,000 bar. We won't guess it from the earn table or from a sibling card: Axis published three cards' rules on one day and all three lists differed. If you hold this card and have it in writing from the issuer, send us the document and we'll source it.
Lounge access
728 of 793 tracked doors
Gate: Set B list w.e.f. 10 Jan 2026 (30 lounges, 18 cities)
Opens 728 of 793 tracked lounge doors across 291 airports , via Priority Pass India, Priority Pass Global — see the full map →
Can you get it?
the route in — no cutoffs published
The cutoffs and the actual route in — not the "apply now" button, the door that opens.
Direct application — no invite list, no banking relationship required.
SBI Card publishes no income or age cutoffs for this card. Blank means blank — we don't invent numbers to fill a grid.
per the official SBI Card MITC — figures marked (community) aren't in the PDF; the issuer won't say · filter the board by what you can get →
The fine print
6 of 7 MITC rows published
What the MITC actually says — the rates, fees and cutoffs the brochure skips.
MITC row verbatim: "Landmark Rewards SBI Card PRIME 2,999 2,999" — printed BARE, with none of the "(Waived off on annual spends of Rs.N Lakh…)" text that the Titan, Apollo SELECT, Reliance PRIME and PhonePe/Paytm SELECT rows carry. There is no spend-based reversal on this card; the ₹2,999 recurs every year. Fuel surcharge waiver 1% on ₹500–₹3,000 transactions, capped at ₹250 a statement cycle. Add-on cards free.
per the official SBI Card MITC · reviewed 10 Jul 2026
What's changed for this card
8 dated changes
Devaluations and buffs that touch this card directly, its issuer, or the points and programs it earns and transfers to. Every one is dated here; the tracker carries each one's before → after and the write-up.
- 3 Aug 2026SBI drops Etihad Guest from the MILES transfer table — the last SBI door into the programmeSBI Card Travel Credits transferred 1:1 into Etihad Guest, one of eighteen airline partners in §3 of the MILES rewards T&C. At the ₹1/partner-mile anchor that was a full-value exit, and it was the only route left after the two Etihad Guest SBI co-brands were retired. → No Etihad route at all. The MILES rewards T&C now lists seventeen airline partners and Etihad is not one of them — the word does not appear anywhere in the seven-page document. Every other SBI partner survives at the same ratio.
SBI Card's own MILES rewards T&C, re-fetched on 22 August 2026 and carrying a 3 August 2026 ModDate inside the PDF, has one fewer airline in it than the edition this desk read on 2 August. The deletion is provable from the numbering rather than from absence alone: the table's first seven rows are unchanged (Air Canada 3, Air France-KLM 4, Air India 5, British Airways 6, Cathay 7), and every row from position eight onward has moved up exactly one — Thai from 14 to 13, Qantas from 17 to 16. Position eight was Etihad Airways / Etihad Guest / 1:1. All twenty-four other partners we carry, airline and hotel, are still there at the same ratios, so this is Etihad being dropped and not SBI narrowing transfers. The timing matters more than the ratio. SBI phased out the Etihad Guest SBI and Etihad Guest SBI Premier cards from December 2025 and reissued holders onto MILES products, and the transfer route was what made that migration survivable — a Premier holder who had spent six years earning Etihad miles could keep feeding the same account through Travel Credits. That is now closed, and India's remaining pipes into Etihad Guest run through BOBCARD's Etihad co-brands, not through SBI. If you hold SBI Travel Credits earmarked for an Abu Dhabi business seat, they are Aeroplan, Flying Blue, Avios or Maharaja points now. ON THE DATE: SBI publishes no notice and no cut-off. The date here is the day the desk read the change out of SBI's own document; the PDF's internal ModDate puts the edition at 3 August 2026, which is the earliest day we can prove, not an announcement.
- 1 Jul 2026PhonePe SBI SELECT BLACK stops paying on UPI outside PhonePe
- 1 Jul 2026PhonePe SBI PURPLE stops paying on UPI outside PhonePe
- 31 Mar 2026SBI kills both Etihad Guest co-brands and force-swaps holders into MILES
- 9 Mar 2026Paytm SBI Card stops earning on school and education spends
- 9 Mar 2026Paytm SBI Card SELECT stops earning on school and education spends
- 10 Jan 2026SBI Card splits domestic lounges into tiers, adds entry fees
- 1 Dec 2025SBI discontinues the OLA Money card and moves holders onto a house card
Every SBI Card change we've dated → 19 events since 1998, 13 of them nerfs — worst year 2025.
Verified against SBI Card's own documents on · the net-annual-value engine, at our house ₹/point
Every document behind this page — 3 of them, each with the day we read it
- official Product page — 8 complimentary domestic lounge visits a year, 4 complimentary Priority Pass visits a year, 25/10/2 Reward Points per ₹100, 4 Reward Points = ₹1
- official MITC — "Landmark Rewards SBI Card PRIME 2,999 2,999", printed with no waiver clause; 3.5% foreign-currency fee
- official Airport Lounge Access — Landmark Rewards SBI Card PRIME is on the "Set B" domestic list, 30 lounges in 18 cities, w.e.f. 10 Jan 2026