ICICI Bank Emeralde Private Metal Credit Card
ICICI Bank VisaMastercard
Rewards 3.0%
Net Value ₹7,805
Joining Fee ₹12,499
Renewal Fee ₹12,499
Unlimited lounge access • Forex 1.5%
Central Bank of India SBI Prime Card
Central Bank of India
Premium multi-network credit card through SBI Card partnership
Joining Fee
₹2,999
+ 18% GST
First Year Net
+₹22,275
Annual Fee
₹2,999
+ 18% GST
Renewal Net
+₹19,275
Base Reward Rate
0.5%
2 points per ₹100
Best Category
5.0%
Final Net Score
32
out of 100
Net Annual Value
+₹22,814
Score Breakdown
Lower ScoreMid RangeHigher Score
Key Metrics
Final Score
Comprehensive rating based on your spending profile
32/100
Effective Reward Rate
Weighted average based on your spending categories
1.6%
Annual Net Value
Expected yearly benefit after all costs
₹22,814
Payback Period
Time to recover annual fees through rewards
Immediate
Card Information
Category
Premium multi-network credit card through SBI Card partnership
Launch Date
2022
Networks
Visa Signature, Mastercard World
Should I Consider This Card?
Using general assumptions
Likely Eligible
Needs checkAdd income range and credit score to estimate eligibility.
Value for Your Spend
Strong fitAt your current spending pattern, this card is likely to return more value than it costs.
Consider from
₹15,000 / mo
Sweet spot
₹2,00,000 / mo
Net value / year
+₹22,814
Fee outcome
Fee likely waived
Why this result
- Fee waiver threshold: Annual fee waiver is tied to roughly 25,000 monthly spend.
- Milestone bonus: E-gift voucher worth ₹7,000 (Yatra/Pantaloons) adds value near 41,667 monthly spend.
- Top earning category: utility bill payments (standing instructions) has elevated rewards, which can improve value when your spend matches it.
Details
Spend curve and supporting scenario values
Central Bank of India SBI Prime Card - Key Highlights
💰 Fees & Charges
- Annual Fee: ₹2,999
- Foreign Transaction: 3.5%
- Late Payment: Varies by outstanding amount
🏆 Rewards & Benefits
- Rewards Rate: 0.5% reward rate
- Lounge Access: Available
- Our Rating: 32/100
Central Bank of India SBI Prime Card - Frequently Asked Questions
What are the benefits of Central Bank of India SBI Prime Card?
Central Bank of India SBI Prime Card from Central Bank of India offers comprehensive benefits including rewards, lounge access, and premium services. Key benefits include reward points on spending and airport lounge access.
Who is eligible for Central Bank of India SBI Prime Card?
Central Bank of India SBI Prime Card is ideal for individuals looking for reward-focused spending. Minimum credit score requirements apply.
How much does Central Bank of India SBI Prime Card cost?
The annual fee for Central Bank of India SBI Prime Card is ₹2,999. Additional charges may include foreign transaction fees and late payment charges.
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