SBI PRIME® Credit Card

SBI Card PRIME is a premium lifestyle card, packed with multiple benefits such as reward points, privilege membership advantage, lounge access and much more. It is an ideal credit card for those who love to lead a quality life and spend on travel and leisure.

With SBI Card PRIME in your wallet, you can earn reward points and save while you spend on day-to-day expenses. You also get welcome e-Gift Voucher worth 3,000 with partner brands:, Hush Puppies/Bata, Marks & Spencer, Pantaloons and Shoppers Stop. The card is a right fit for all age groups.

It is a chip and pin enabled card and extends enhanced security against counterfeiting and skimming. You can extensively use your SBI Card PRIME and save confidently while you spend!

Welcome Gift

As a privilege customer of SBI Card PRIME, you get welcome e-voucher worth 3,000. The gift voucher can be used with any of the partner brands:, Hush Puppies/ Bata, Marks & Spencer, Pantaloons and Shoppers Stop.

Terms of Use

  • After paying the annual fees for the card, an SMS is sent to you within 15 days to share the choice for e-voucher options.
  • You can choose the e-vouchers according to your needs and request for the same. As you make the request, a voucher code will be sent to you on your registered mobile number or e-mail ID within 5 days.
  • You can use the voucher at partner brands such as Bata/ Hush Puppies, Marks, and Spencer, Pantaloons and Shoppers Stop, e-Gift Voucher by showing the voucher code at the respective retail store.
  • As for Yatra and Shoppers Stop, the code can be used instantly online while making a purchase.

PRIME Rewards

With SBI Card PRIME you can earn a host of rewards with utility bills payments and everyday purchases made online or at a retail store. 4 Reward Points fetch you 1 and thus you can make additional savings with each such purchase with your SBI Card PRIME. You can also pay out your credit card bills with accumulated Reward Points.

Earn Rewards as follows:

      • Earn 20 rewards points per 100 spent on standing instruction for Utility Bills
      • Another 10 Reward Points per 100 spent on dining, grocery purchase, shopping at a departmental store and movie tickets booking.
      • For all other spends, you add 2 Reward Points per 100 to your account.

Fuel Surcharge Waiver:

Enjoy 1% Fuel Surcharge Waiver across all petrol pumps pan India, subject to transactions ranging from 500- 4000 (Exclusive of service tax applicable) by SBI Card PRIME. A maximum of 250 waiver can be enjoyed by a cardholder each month.

Milestone Benefits

SBI Card extends additional milestone benefits to celebrate the valuable patronage with their customers.

      • Enjoy Pizza Hut e-Voucher worth 1,000 on spends of 50,000 in a calendar quarter
      • Reversal of Renewal Fee worth 2,999 on annual spends of 3 Lakh
      • E-Gift Voucher worth 7,000 from Pantaloons on annual spends of 5 Lakhs

Pizza Hut e-Vouchers are sent within 15 days of achieving spends of 50,000 to the registered mobile number of the cardholder.

As for Pantaloons voucher, an SMS is sent on the registered mobile number within 10 days of achieving spends of 5 Lakh. You can choose the e-Gift Voucher according to your preference.

Trident Privilege Membership

With SBI Card PRIME, primary cardholders get complimentary Trident Privilege Red Tier Membership. As you opt for the membership, avail 1,000 Welcome Points on registration.

Earn 1,500 Bonus Points on first stay; and additional 1,000 credit on the extended night stay. Promo code is SBITH

You can instantly save 10% on bookings through the hotel website.

Avail 10 points per 100 spent (excluding taxes) during your stay.

Club Vistara Membership

Complimentary Club Vistara Silver membership brings along 1 complimentary Lounge Access Voucher and 1 Upgrade Voucher.

9 Club Vistara Points for every 100 spent on Vistara flights

The offer is only for primary cardholders.

Lounge Access

With SBI Card PRIME you can enjoy 4 visits to international priority pass lounges as a complimentary offer, subject to 2 maximum visits per quarter.

As for Domestic VISA/ Mastercard Lounges in India, you can enjoy 8 complimentary visits per year; maximum of 2 visits per quarter.

Birthday Benefit

20 Reward Points per 100 spent on cardholder?s birthday

Mastercard/Visa Privileges

      • 4 complimentary rounds on Green Fees per year
      • Every month get 1 complimentary golf lesson at select courses in India
      • Access to exclusive cardholder benefits across 900 luxury hotels globally
      • Save up to 35% on Avis Car Rentals and 10% on Hertz car rental

Contactless Advantage

With ContactLess Advantage you can transact with your SBI Card without physically handing over the card. All you need to do is wave your card at a secure reader to transact. The transactions are fast & convenient and secure to process. The card is powered by the Visa payWave feature.

Global Acceptance

Your SBI Card PRIME is accepted at over 24 million outlets across the globe, inclusive of 3,25,000 Indian outlets.

Fraud Liability Cover

Exclusively for SBI Card PRIME holders, avail complimentary insurance cover against accident and card fraud.

      • 50 lakh Air Accident Liability Cover
      • 1 lakh
      • Credit card Fraud Liability Cover
      • Report card loss at SBI Card helpline: 1860 180 1290 or 39 02 02 02 (prefix local STD code). Report the loss within 2 -7 days.

Emergency Card Replacement

With SBI Card PRIME you get a privilege to replace your card anywhere in the world. A 24x7 helpline supports customers in case of emergency, and thus you can conveniently request card replacement even while travelling abroad.

Add-on Cards

With SBI Card PRIME, you can request add-on cards for 2 members above 18 years of age of your family.

Cash on the Go

You can conveniently withdraw cash from SBI Card PRIME from over 1 million Visa ATMs worldwide

Safe and Secure

SBI Card PRIME is a chip and pin enabled card that extends enhanced security against counterfeiting and skimming.

Easy Bill Pay Facility

All cardholders can conveniently pay utility bills for electricity, telephone, mobile, etc using the Easy Bill Pay facility.


Flexipay on SBI Card PRIME offers you the flexibility to convert spends of 2,500 or more into easy monthly instalments. Within 30 days of the purchase, you can request for Flexipay by logging into the website.

Balance Transfer on EMI

Balance Transfer facility empowers you to transfer the balance of your other credit cards to SBI Card PRIME at a lower rate of interest and affordable EMIs.

Annual Fee: 2,999 (one time)

Renewal Fee: 2,999 (per annum) from second year onwards; Renewal Fee is reversible on annual spends of 3 Lakh

Add-on Fee: Nil

Extended Credit:  Interest-free credit period: 20-50 days *previous month's outstanding must be nil to enjoy interest-free credit period

Finance charges: From transaction date it may cost up to 3.35% per month (i.e,  40.2% p.a)

Minimum Amount Due: 5% of Total Due (Min. 200 + applicable taxes + EMI ( if any) + Over Limit Amount (if any)

Limit on Cash Advance: Up to 80% of the approved credit limit, with a maximum of 15,000/ day

Free credit period: Nil

Cash Advance Fee: 2.5% of transaction amount ( minimum 300)

International ATMs: 3% of transaction amount, (minimum: 300)

Cash payment fee and Cheque pickup: 100 for each

Payment dishonor fee: 2% (minimum: 450)

Statement retrieval: 100 per statement *applicable on statments olders than 2 months

Cheque Fee: 100 (Payments made via cheque up to 10,000)

Late payment:

  • NIL for Total Amount due from 0 - 200;
  • 100 for Total Amount due greater than 200 & up to 500;
  • 400 for Total Amount due greater than 500 & up to 1000;
  • 600 for Total Amount due greater than 1000 & up to 10,000;
  • 800 for Total Amount due greater than 10,000 & up to 25,000;
  • 950 for Total Amount due greater than 25,000

Over Limit: 2.5% of over limit amount, subject to a minimum of 500

Card replacement: 100

Emergency card replacement, when abroad: Actual cost (subject to a minimum of $175)

Foreign currency transaction Conversion mark up: 3.5%

Dynamic Currency Conversion: Mark up Fee: 3.50%

Rewards redemption fee: 99

Priority Pass Lounge Charges: After exhausting the complimentary visits, all Airport Lounge visits within India and outside India will be charged with a usage fee of $27 per visit + applicable taxes. All guests visiting the Airport Lounge will be charged a standard usage fee of $27 per visit + applicable taxes.

Surcharges:  Railway tickets through counters: 30 + 2.5% of the transaction amount Railway tickets through 1.8% of transaction amount + service charge

At petrol pumps: 1% fuel surcharge waiver for each transaction between 500 and 4,000 (exclusive of taxes). Maximum surcharge waiver: 250 per statement cycle.

Payments of Customs duty: 2.25% of transaction amount (subject to a minimum of 75)

How do I earn Maximum points on my SBI Card?

Ans:  SBI Card PRIME is packed with multiple avenues to earn PRIME rewards, milestone rewards, and complimentary rewards. To earn maximum points, you must use your PRIME Card for the bill payments. The payments processed by your wallet would not earn you points. As you accumulate points, you earn additional bonus offers such as renewal fee waiver and Pizza Hut e-vouchers.

You can earn 20 Points/ 100 on setting up standing instruction for the payment of Utility Bills

Example: Say, you pay 10,000 monthly bills for electricity, telephone, water, cooking gas, TV, etc. You can earn 2000 points every month and 24000 per year by paying bills with your SBI Card PRIME. You also get free credit for the duration of the card payment cycle.

Next, you can earn 10 Reward Points per 100 on Dining, Groceries, Departmental stores and Movie spends.

Let's say you have another sum of 10000 -15000 monthly expenses on dining, grocery, movie, travel booking, etc. Here you can conveniently earn 24000-30000 points in a year.

You get additional 20 Reward Points on 100 spent on your birthday. So a party day can save you 2000-4000 points.

4 points = 1

You can use the accumulated points to pay the credit card bill and also avail milestone benefits at the same time.

How do I redeem my SBI Card PRIME reward points?

Ans: It is absolutely hassle-free to redeem reward points of your SBI Card PRIME. You can redeem the points through SBI Card Mobile app, by writing an email or logging in SBI Card website with your account ID and password. Redemption can be made for gift voucher, gifts as well as cash. The choice is entirely yours.

It takes 3 to 10 working days to deliver the E-Vouchers and 15 to 30 days to deliver the gifts picked from reward catalogue.

Can I increase the limit of my SBI Card PRIME?

Ans: You can revise the limit of your SBI Credit Card if you receive a pre-approved credit limit offer or by forwarding a request for the same. For, the former option it will be a Zero document approval and all you need to do is initiate the request through the website or your registered mobile number via SMS, Call or by writing an email.

Based on its internal risk policy, SBI Card periodically keeps a check on the cardholders Credit Limit. Primarily your credit card repayment history contributes in gaining pre - approval limit offer.

For requesting an increase in the limit (without a pre - approved offer in hand), contact SBI Card helpline number at 1860 180 1290 or 39 02 02 02 (prefix STD code). You need to check if you are eligible for the same or not.

After the positive response from the customer car, submit income documents to prove your eligibility for a limit increase. Submit soft copies of Form 16, ITR VI, Last 2 months salary slips at or email the same. You can also send the documents to following address:

Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon - 122002

What are the eligibility requirements for SBI Card PRIME?

Ans: The basic eligibility requirements are:

  1. The SBI Card PRIME is available to Indian Citizens.
  2. The applicant must have a stable income source and a valid proof for the same.
  3. The applicant should be 21 years to 70 years old.
  4. It is a privilege card, and thus you must have a good credit history with no red flags on account of credit default.

What are the documents required to avail an SBI credit card?

Ans: For SBI Card PRIME you would require basic documents to establish your identity, income and residence proof. The documents required are:

  • PAN Card
  • Voter ID
  • Aadhaar Card
  • Passport
  • Duly filled and self-attested application Form
  • Latest passport size photographs

How do I use Balance Transfer facility on EMI?

Ans: Balance Transfer facility on SBI Card PRIME facilitates the primary cardholder to transfer their other cards? outstanding payments to SBI Card at a lower interest rate.

You can request for BT on SBI Card PRIME in following ways:

  1. By logging on web or app with your SBI Card account credentials.
  2. Under the 'Benefits' link on the left side you can find 'Balance Transfer' tab. Click on it.
  3. Fill up details and confirm BT booking.

Alternatively, SMS BT to 56767; or call SBI Card Helpline at 39 02 02 02 (prefix STD code) / 1860 180 1290 and make the request.

Why does my name appear in CIBIL records after I avail a Credit Card?

Ans: It is mandatory for financial institutions to report credit activity of individual as well as commercial accounts periodically to the credit bureaus like CIBIL. This indeed builds your credit history and improves your financial credibility. If you regularly pay out your Credit Card bills, you can create a good credit history with no efforts, whatsoever. This will help you avail easy loans, overdraft, credit lines in the future.

SBI Card reserves the right to modify/ remove one or more of offers on SBI Card PRIME at any point in time without any notice. The benefits and list of partner websites may change, without a prior notice.

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