SBI Prime vs Any suggestion

[COSMOCRAT]

I'm looking for a good card for utility, insurance, Dmart, and offline shopping.
Came across SBI Prime which is 2999/- annually.

I fit all my offline requirements. 5% reward rate for SI of utilities and insurance premiums. 2.5% reward rate for groceries, dining, and departmental stores.
Redgirraffe removed SBI from rent payments but except for a few premiums, cards' rent is getting devalued anyway so doesn't matter.
My expenses are roughly 3L so will get an annual fee waiver too. And if I ever get to 5L then will get 7000rs vouchers.
It also gives 9CV/100rs on flights. Although I have another card for flights.
Did a rough calculation of estimation and I can squeeze out a rewards rate of 4.5-5% per year.

I considered Axis Ace, but it has slightly lower rate for offline spends, nothing on insurance, no milestones, and I don't like GPay.
Any other card to compete with this one? My budget is 3k/year, max 5k/year if it's worth it.

 

[paresh22]

To me SBI prime looks good for you. The main thing here is 2.5% reward rate category.

 

[SiddharthR]

I fit all my offline requirements. 5% reward rate for SI

Discontinued since long

Any other card to compete with this one? My budget is 3k/year, max 5k/year if it's worth it.

SBI Elite 5K+GST

 

[COSMOCRAT]

Discontinued since long

Since when? I downloaded their brochure from their site, and the details of getting 20 points/100rs on standing instructions are still written. Do you get nothing on utilities and insurance or 10 points instead of 20?

If that's true will need to look for separate cards for offline shopping, dining, utilities, and insurance premiums. Or have to make peace with GPay and use Ace.

 

[SiddharthR]

Since when? I downloaded their brochure from their site, and the details of getting 20 points/100rs on standing instructions are still written. Do you get nothing on utilities and insurance or 10 points instead of 20?

That's outdated, try calling CS once before applying and confirm if you will get 20RP on SIs or not.
And on normal utility, you'll get 2 RP(Base Reward rate)

If that's true will need to look for separate cards for offline shopping, dining, utilities, and insurance premiums. Or have to make peace with GPay and use Ace.

Cashback SBI (Utilities, Online) & SBI Prime (Offline) is perfect for your spends.

 

[pankajsammal]

Also as for grocery metro, Walmart and reliance are excluded from accelerated rewards. So you need to remember to not shop at these places.

I closed my prime card due to this last month as I had reliance market near me and the card was useless there.

 

[BCh]

Cashback SBI card can give 7% return in utility including insurance payments using Apay balance (you can buy Apay GC from gyftr with 2-3% discount plus 5% CB in credit card account).

 

[sv004]

U can try millennia from hdfc

 

[paresh22]

Also as for grocery metro, Walmart and reliance are excluded from accelerated rewards. So you need to remember to not shop at these places.

I closed my prime card due to this last month as I had reliance market near me and the card was useless there.

This is useful for me. I also have this card. Once used Reliance offline and was confused about whether I got 10x RPs or not but ignored as I getting 10x on DMart offline also. I will remember now that Reliance offline will not give 10x. For reliance better use any cashback card.

 

[Adwait]

Get bob snapdeal card which gives 2.5% cashback as statement credit on all online and grocery, departmental store including reliance and Dmart.
Max cashback 500 per month which is good.
At annual fee of just Rs. 249+Taxes.

 

[Rockz08]

U can even consider SBI Bpcl octane credit card we will get 10rp on 100rs spent on dining, departmental stores grocery, movies further 25 rp for fuel on bpcl pumps nd Annual spend 2l for a fee waiver

 

[Adwait]

U can even consider SBI Bpcl octane credit card we will get 10rp on 100rs spent on dining, departmental stores grocery, movies further 25 rp for fuel on bpcl pumps nd Annual spend 2l for a fee waiver

rp redemption is headache for Sbi bpcl cards

 

[psmangat5]

what's the reward rate for LIC insurance premium payments? I have to pay 40,000 premium, so by shopping for 10,000 more I will get 1000 pizza hut voucher.