Question 1

What is the annual fee on the City Union Bank SBI Card PRIME and how do you get it waived?

Accepted Answer

The City Union Bank SBI Card PRIME charges ₹2,999 plus GST as a joining fee and the same ₹2,999 again at renewal. SBI Card waives the renewal fee if you spend ₹3L in the previous year, which is about ₹25,000 a month. If your card spend sits below that, treat ₹2,999 as a real yearly cost that your rewards have to clear first.

Question 2

What is the reward rate on the City Union Bank SBI Card PRIME?

Accepted Answer

You earn 20 points per ₹100 on standing instructions of Utility Bills payments. Everything else earns 2 points per ₹100. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 2000 points, roughly ₹500, which is about 5% back. The accelerated rate stops after ₹750 of spend in a month. Fuel, Wallet Load earn nothing at all.

Question 3

Does the City Union Bank SBI Card PRIME give free airport lounge access?

Accepted Answer

The City Union Bank SBI Card PRIME gives 8 complimentary domestic lounge visits a year, usually capped at 2 per quarter. International lounge visits are capped at 4 a year. There is no prior spend requirement on paper, though SBI Card has been moving cards to spend linked access, so confirm before you rely on it at the airport.

Question 4

What changed on the City Union Bank SBI Card PRIME recently and is it still worth it in 2026?

Accepted Answer

SBI portfolio-wide cuts (1% fees Nov 2025, MCC exclusions, Jan 2026 lounge tightening). The changes are dated Nov 2025; Jan 2026. At ₹3L of yearly spend the card returns roughly ₹1,500 at its general rate of about 0.5%, against a ₹2,999 renewal fee. That does not clear the fee on its own, so this card only makes sense if the lounge visits or the co-brand benefits are worth the gap to you.

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City Union Bank SBI Card PRIME

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