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SBI Card PRIME is one of the best rewards credit cards in India. For every purchase, users earn generous reward points with accelerated earnings on utility bill payment, dining, groceries, movies and more. The card also offers some travel benefits such as comlimenary lounge accesss, Club Vistara Membership and more.
Best suited for
Annual Fee: ₹ 2999
Waived off on Annual Spends of ₹3 lac or more
Joining Fee: ₹ 2999
Eligibility and Documentation
|Occupation||Salaried or Self-employed|
|Minimum Income for Salaried Applicants||Rs. 32,000 per month|
|Minimum Income for Self-employed Applicants||Rs. 32,000 per month|
|Serviceable Cities||Click here for the list of eligible cities|
Along with the duly filled application form, SBI Card will also require valid proof of identity, address and income. Given below is the list of acceptable documents.
The customers can avail welcome e-gift voucher worth Rs. 3,000 from Bata/Hush Puppies, Marks and Spencer, Pantaloons, Shoppers Stop and Yatra.com.
SBI Card Prime users can earn 20 reward points per Rs 100 spent on standing instructions of utility bill payments, 15 reward points per Rs. 100 spent on Big Basket, and 10 reward points per Rs. 100 spent on dining, groceries, departmental stores, and movies.
It also offers milestone benefits such as Pizza Hut voucher worth Rs 1000 on achieving spends of Rs 50,000 in a calendar quarter, waiver of renewal fee on annual spends of Rs. 3 lakh and E-gift voucher worth Rs. 7,000 from Yatra.com/Pantaloons on achieving annual spends of Rs. 5 lakh.
Cardholders enjoy complimentary Trident Privilege Red Tier Membership, 1,000 welcome points on registration, 1,500 bonus points on the first stay and additional Rs 1,000 hotel credit on an extended night stay.
One can enjoy 20 reward points per Rs. 100 spent on his/her birthday.
Get 4 complimentary visits per year to International Priority Pass lounges, outside India (max 2 visits per quarter) and get 8 complimentary visits per year to Domestic Visa/ Mastercard Lounges in India (max 2 visits per quarter).
The cardholders can enjoy complimentary club Vistara silver membership, 1 complimentary lounge access voucher and 1 upgrade voucher. Earn 9 club Vistara points for every Rs. 100 spent.
The card comes with exclusive benefits across 900 luxury hotels worldwide and gives 4 complimentary rounds on Green Fees and 1 complimentary golf lesson per month at the selected golf courses across India. Also, get a discount of 10% on Hertz car rental and up to 35% off on Avis car rentals.
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Fee and Charges
|Annual Fee||Rs. 2,999 (One-Time)|
|Add-on Fee (per annum)||Nil|
|Free Credit Period||Nil|
|Renewal Fee||Rs. 2,999|
|Extended Credit Interest-Free Credit Period||20-50 days, applicable only on retail purchases and if previous month’s outstanding balance is paid in full|
|Extended Credit Charges/ Cash Advance Charges||Up to 3.35% per month, accounting to 40.2% per annum, from the date of transaction|
|Cash Advance Limit||Up to 80% of the credit limit, maximum Rs. 15,000 per day|
|Cash Advance Fee SBI or Other Domestic ATMs||2.5% of withdrawal or Rs. 300 per transaction, whichever is higher|
|Cash Advance fee International ATMs||3.0% of withdrawal or Rs. 300 per transaction, whichever is higher|
|Overlimit Charges||2.5% of the over-limit amount subject to a minimum of Rs. 500|
|Late Payment Charges|
SBI Credit Card Customer Care Details
|Customer Care Toll-free Number||1860 180 1290|
1800 180 1290
|Alternate Number (Local charges may apply)||(STD Code) 39020202|
How to Apply for SBI Card PRIME
You will have to submit the relevant documents. A field agent will come and collect the same from your home or office address. SBI Card will then examine your application and verify the documents, after which the card will be issued.
What is Flexipay?
Flexipay is a facility offered to existing SBI credit cardholders to convert their big purchases into easy monthly instalments. Any SBI Cardholder, with a transaction greater than ₹ 500 can convert the said transaction into Flexipay within 30 days.
Is SBI Card Prime accepted internationally?
SBI Card Prime is accepted at over 24 million Visa outlets worldwide.
What is an Add-on Card?
An add-on card is an additional card which you can apply for against your credit card and will have all the features of your primary credit card.
What is the cash advance fee for SBI or other domestic ATMs?
The cash advance fee for SBI or other domestic ATMs is 2.5% of the transaction amount, subject to a minimum of Rs. 300.
Can I transfer my outstanding balance on any other bank’s credit card?
Yes, SBI Card Prime provides the facility of ‘Balance Transfer’ via which you can transfer your outstanding balance on any other bank’s credit card. Know more about Balance Transfer by clicking on this link.
|Credit Card||Annual Fee||Reward Points||Net Savings|
|SBI Card Prime||Rs.2,999||Earn 20 reward points per Rs 100 spent on utility bill payments through standing instructions||Rs. 10,337*|
|CitiBank PremierMiles||Rs.3000||Earn 10,000 Air miles on spending Rs.1000 within 60 days of issuance||Rs.11,616*|
|Standard Chartered Emirates World Credit Card||Rs.3,000||Earn 4 Skyward miles per Rs. 150 spent on domestic transactions and 6 skyward miles on international transactions||Rs.8,796*|
|American Express Platinum Travel||Rs.5000||Earn Welcome Gift of 5000 milestone bonus membership Reward Points||Rs.8,520*|
|ICICI Bank Manchester United Signature Credit Card||Rs.2,499||Earn 5 PAYBACK points per Rs. 100 spent at retail purchases||Rs.8,397*|
*On spending Rs.2 lakh annually
**On spending Rs.4 lakh annually