SBI Card PRIME is an all-rounder card offering benefits across shopping, rewards, dining, flights, hotels and more. The card gives accelerated rewards on everyday spend categories like groceries, dining and departmental store purchases, making it a good option for high-spenders. Complimentary membership to Priority Pass, Club Vistara and Trident Red Tier are some of the travel privileges that cardholders can avail. Read on to know more about this card.
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Key Highlights of SBI Prime Credit Card |
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| Best Suited or | Travel, shopping & rewards |
| Joining Fee | Rs. 2,999 |
| Annual Fee | Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year) |
| Welcome Benefit | E-gift vouchers worth Rs. 3,000 from top brands |
| Best Feature | 10 reward points for every Rs. 100 spent on dining, groceries, departmental stores and movies |
| Paisabazaar’s Rating | ★★★★ (4/5) |
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SBI Prime Credit Card lets you earn benefits on multiple categories, including dining, grocery, travel, golf, fuel and more. Below-mentioned are some of the major SBI Prime Credit Card benefits:
This credit card offers e-gift vouchers worth Rs. 3,000 of top brands as per the below details:
Also read: Top Credit Cards with Best Welcome Benefits
You can earn up to 20 reward points per transaction, which makes it one of the best rewards credit cards in the market. You can also pay your outstanding card bills via accumulated reward points. Here are the details:
*Reward points earned on birthday spends (one day before, on, and one day after) are capped at 2,000 reward points per calendar year.
| 4 reward points = Re. 1 | 1 reward point = Re. 0.25 |
On achieving the spending milestones, you can get complimentary vouchers and a renewal fee waiver via this credit card. Below mentioned are the details:
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This credit card also offers complimentary Trident Privilege Red Tier Membership, Club Vistara Membership and international as well as domestic lounge visits for primary cardholders. With these memberships, you can avail exclusive discount and privileges as per the below details:
Complimentary Trident Privilege Red Tier Membership
Complimentary Club Vistara Membership
Complimentary Lounge Access
Suggested read: Best Travel Credit Cards in India for 2023
Apart from the benefits mentioned above, this credit card also offers a fuel surcharge waiver and exclusive privileges for Visa cardholders. Below mentioned are some of the other SBI Card Prime benefits:
| Planning to apply for this credit card? Read our detailed SBI Prime Credit Card review. |
Below mentioned are the SBI Prime Credit Card annual fees and other charges:
| Title | Details |
|---|---|
| Joining Fee | Rs. 2,999 |
| Annual/ Renewal Fee | Rs. 2,999 (Waived off on spending Rs. 3 lakh in a year) |
| Finance Charges | 3.5% p.m. (42% p.a.) |
| Late Payment Charges** | For Statement Balance
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*Click here to view other associated fees and charges.
**An additional Late Payment Charge of Rs. 100 will be levied on missing payment of Minimum Amount Due (MAD) by the due date for two consecutive cycles. This charge will continue to be levied for every payment cycle until the MAD is cleared.
The issuer prefers to give credit card to people who have a good credit score (preferably above 750). Apart from this, the applicant must fulfill the below-mentioned eligibility criteria to apply for SBI Prime Credit Card:
| Criteria | Details |
|---|---|
| Age Requirement | 18 to 60 years |
| Occupation | Salaried or Self-employed |
| Documents Required | Click here for the list of documents |
| Serviceable Cities | Click here for the list of eligible cities |
SBI Prime Credit Card is one of the best credit cards for you if you wish to own a card with premium benefits across multiple categories but do not want to pay a high annual fee. At a fee of Rs. 2,999, the benefits offered by this credit card are quite impressive. With this credit card, you can avail complimentary domestic as well as international lounge access, exclusive memberships, e-gift vouchers, milestone benefits, up to 10X reward points on selected categories and much more.
This card comes with a joining fee of Rs. 2,999, which is justified as it offers welcome benefits worth Rs. 3,000. Overall, if you frequently travel and need airport lounge access, or want to avail premium facilities like car rentals, hotel stays, airport transfer services, etc., then this card can be a good option for you. However, if you are looking for a credit card that offers benefits on a specific category, then you can look for the top credit cards available in the market.
| SBI offers credit cards across different categories. Apply Online for Best SBI Credit Cards and find the right card for you. |
Some of the best credit cards that offer benefits similar to SBI Card Prime are mentioned in the table below:
| Credit Card | Annual Fee | Key Feature |
| IndusInd Bank Legend Credit Card | Nil | 2 reward points for every Rs. 100 spent on weekends |
| ICICI Bank Sapphiro Credit Card | Rs. 3,500 | Up to 4 PAYBACK points on every Rs. 100 spent |
| HDFC Diners Club Privilege Credit Card | Rs. 2,500 | Up to 10X reward points on your spends via SmartBuy |
| HDFC Regalia Credit Card | Rs. 2,500 | 4 reward points per Rs. 150 spent at retail purchases |
| Axis Bank Select Credit Card | Rs. 3,000 | 10 EDGE points per Rs. 200 spent |
Q. Can I apply offline for SBI Prime Credit Card?
A. Yes, you can apply online as well as offline for this credit card. To apply offline, you can visit any of the nearest SBI Bank branches and contact an executive. If you want to apply online, you can visit the official website of SBI Card and fill out an application form.
Q. How can I activate my SBI Prime Credit Card?
A. You can activate your credit card by logging in to your SBI Card account and clicking on the ‘Card Activation’ option under the ‘Requests’ tab. After this, you need to select your credit card and click on the activate button to activate your credit card. Apart from this, you can also activate your SBI Credit Card through the mobile app, click here to know the detailed process.
Q. Can I apply for add-on cards on my SBI Prime Credit Card?
A. Yes, you can apply for a maximum of 2 add-on cards on your SBI Card Prime. The bank does not charge any fee for add-on credit cards. However, you will receive a single consolidated SBI Credit Card statement every month for all the credit cards.
Q. What is the SBI Credit Card customer care number?
A. SBI Credit Card users can contact the customer service by calling on the toll-free number on 1800-11-2211 or 1800-425-3800. You can also call on the other SBI Credit Card customer care number– (STD Code) 39020202. However, normal call charges may apply on this number.
Q. Can I earn a fuel surcharge waiver on every transaction via SBI Prime Credit Card?
A. No, you can earn a fuel surcharge waiver of 1% on your transactions between Rs. 500 and Rs. 4,000. However, you can avail a maximum fuel surcharge waiver of Rs. 250 in a month. This is applicable on your transactions across all petrol pumps in India.
Q. How can I pay my SBI Prime Credit Card bill?
A. You can pay your SBI credit card bill through online as well as offline ways. To pay your credit card bill online, you can use facilities like NEFT, electronic bill payment, National Automated Clearing House (NACH), Visa credit card pay, debit card, etc. You can pay your credit card bill offline by cash, cheque, demand draft and SBI ATM.
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