Hello,

Guest!

Updated:

Key Highlights of SBI PRIME Credit Card

Below are the key highlights of SBI Card PRIME:

  • The joining and annual fee is just Rs. 2,999 + taxes each.
  • The annual fee is waived off on minimum annual spending of Rs. 3 Lakhs.
  • Earn 10 reward points on spending per Rs.100 on dining, groceries, departmental stores & movies.
  • Welcome e-gift voucher worth Rs. 3,000 from top brands.
  • Get 1% fuel surcharge waiver on the transaction value of Rs. 500 to Rs. 4,000 across all petrol pumps. 
  • 4 complimentary visits per calendar year (maximum 2 visits per quarter) to International Priority Pass Lounges, outside India. 
  • 8 complimentary visits per calendar year (maximum 2 visits per quarter) to domestic lounges in India.

Features and Benefits of SBI Card PRIME

The key features and benefits of SBI PRIME credit card are as follows:

Welcome Gift

  • Welcome e-gift voucher worth Rs. 3,000 from top brands.
  • You will receive an SMS to choose from e-voucher options from Bata, Hush Puppies, Pantaloons, Aditya Birla Fashion, Shoppers Stop or Yatra.com within 15 days of annual fee payment. 
  • The e-voucher will be sent to your registered mobile number or e-mail ID within 5 days of the request.

Reward Points

  • 10 reward points on spending per Rs.100 on dining, groceries, departmental stores & movies.
  • 2 reward points on spending per Rs. 100 on all other retail categories except fuel.
  • You can pay your card outstanding with reward points. 
  • 4 Reward Points = Rs. 1.

Fuel Surcharge Waiver

  • 1% fuel surcharge waiver on the transaction value of Rs. 500 to Rs. 4,000 across all petrol pumps. 
  • GST, extra, as applicable will be charged. 
  • Maximum surcharge waiver available of Rs. 250 per month, per statement cycle.

Milestone Benefits

  • Get a Pizza Hut e-Voucher worth Rs. 1,000 on achieving milestone spends of Rs. 50,000 in a calendar quarter. The e-Voucher will be sent to your registered mobile number.
  • The renewal fee is waived on annual spending of Rs. 3 Lakhs.
  • Get an e-Gift voucher worth Rs. 7,000 from Yatra.com or Pantaloons on achieving an annual milestone spending of Rs. 5 Lakhs. You will receive an SMS to choose the e-Gift Voucher option.

Trident Privilege Membership

  • Complimentary Trident Privilege Red Tier Membership.
  • 1,000 Welcome Points on registration.
  • 1,500 Bonus Points on the first stay & an additional Rs. 1,000 hotel credit on an extended night stay. Use Promo Code SBITH.
  • 10% instant savings on bookings through the hotel website
  • 10 points for spending every Rs. 100 (excluding taxes) during stay at participating hotels. The offer is valid for Primary Cardholders only.

Club Vistara Membership

  • Complimentary Club Vistara Silver membership.
  • Get 1 Upgrade Voucher.
  • 9 Club Vistara Points for spending every Rs. 100 on Vistara flights.
  • The offer is valid for Primary Cardholders only.

Lounge Access

  • 4 complimentary visits per calendar year (maximum 2 visits per quarter) to International Priority Pass Lounges, outside India. 
  • 8 complimentary visits per calendar year (maximum 2 visits per quarter) to domestic lounges in India.
  • Call 1860 180 1290 or 39020202 (Prefix Local STD code) to receive your Priority Pass.
  • The offer is valid for Primary Cardholders only.

Birthday Benefit

  • 20 reward points on spending per Rs. 100 spent on your birthday. 
  • Reward points on Birthday spends (one day before, on the birthday and one day after) are capped at 2000 reward points per calendar year.

Contactless Advantage

  • With ContactLess Advantage you can transact with your SBI Card without physically handing over the card. Just wave your card at a secure reader to transact. 

Global Acceptance

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

Fraud Liability Cover

  • SBI Card PRIME holders can avail complimentary insurance cover against accident and card fraud.
  • Rs. 50 Lakhs Air Accident Liability Cover.
  • Rs. 1 Lakh Credit card Fraud Liability Cover.
  • Report card loss at the SBI Card helpline 1860 180 1290 or 39 02 02 02 (prefix local STD code) within 2 -7 days.

Add-on Cards

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

Easy Bill Pay Facility

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

Flexipay

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

Balance Transfer on EMI

  • The 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.

Joining & Renewal Fees

  • The joining fee for the card is Rs. 2,999 + taxes. Get a Welcome gift worth Rs. 3,000 on fee payment.
  • The renewal fee for the card is Rs. 2,999 + taxes. The renewal fee is waived on annual spending of Rs. 3 Lakhs.

SBI Credit Card Cashback Voucher

SBI Card PRIME Fees and Charges

  • Joining fee: Rs. 2,999 + taxes.
  • Renewal fee: Rs. 2,999 + taxes. 
  • Add-on card fee: Nil.
  • Finance charges: 3.50% per month (42% p.a.).
  • Cash advance fee: 2.5% of transaction amount or Rs. 500 (whichever is higher).
  • Cash payment fee and Cheque pickup: Rs. 250 + applicable taxes.
  • Late payment charges:
    • NIL for the total amount due from Rs. 0 - Rs. 500
    • Rs. 400 for the total amount due above Rs. 500 & up to Rs. 1,000
    • Rs. 750 for the total amount due above Rs. 1,000 & up to Rs. 10,000
    • Rs. 950 for the total amount due above Rs. 10,000 & up to Rs. 25,000
    • Rs. 1,100 for the total amount due above Rs. 25,000 & up to Rs. 50,000
    • Rs. 1,300 for the total amount due above Rs. 50,000
    • An additional charge of Rs. 100 will be levied on missing payment of the Minimum Amount Due by the due date for two consecutive cycles. Also Check: How to Pay SBI Credit Card Bill?
  • Payment dishonor charges: 2% of the payment amount (minimum Rs. 500).
  • Rewards redemption fee: Rs. 99.
  • Card replacement: Rs. 100 to Rs. 250.
  • Cheque payment fee: Rs. 100.
  • Processing fee on all rent payment transactions: Rs. 199.
  • Over-limit fee: 2.5% of over limit amount. 
  • Dynamic currency conversion markup fee: 3.50% 

SBI Card PRIME Eligibility Criteria

The basic eligibility criteria to be fulfilled to get approved for the SBI PRIME credit card are:

  • The applicant should be a salaried employee or a self-employed individual.
  • The age of the primary applicant must be between 21 years and 70 years.
  • The applicant must have a stable income source.
  • The applicant must have a good credit history.
  • The credit score of the applicant should be 750 or above.

Moreover, you can check the basic SBI Credit Card Eligibility Criteria for other SBI Cards.

Document Required for SBI Card PRIME

The documents required to apply for an SBI PRIME credit card are listed below:

  • Proof of identity: Aadhar Card, PAN Card, Voter ID Card, Driving Licence, etc. (any one).
  • Proof of address: Aadhar Card, Driving Licence, Utility Bills, Passport, etc. (any one).
  • Proof of income: Last 3 months’ bank statements, salary slips of last 3 months, or latest audited ITR.

How to Apply for the SBI Card PRIME?

You can apply for SBI Card PRIME through any of the following ways: 

  • Offline: Visit the nearest SBI branch and fill up the credit card application form or call on the SBI helpline number.
  • Online: Through the bank’s official website or YONO mobile app. 

Follow the steps below to apply for an SBI PRIME Card through the official website of the bank:

  • Visit the official website of SBI.
  • Go to the ‘Credit Cards’ section and select the SBI Card PRIME option. 
  • Then click on the ‘Apply Now’ button.
  • Proceed further by filling in all the required details.

Alternatively, you can also apply for the card online from our website. The process for the same is given below:

  • Click on the ‘Credit Cards’ tab on the homepage of our website.
  • Enter all the required details, such as your name, mobile number, email address, employment information, income details, etc.
  • Verify your mobile number by keying in the OTP received on your number.
  • You will get a call from our credit card expert to help you complete the credit card application process.

View and improve your credit score - for free.

Know how good your score is

Get insights on how to improve it

Unlock offers as per your score

chart_15f235bf64.svg

The best offers from India’s most
trusted banks

Axis-Bank.webp
HDFC-Bank.png
SBI-Card.webp
IDFC.png

Compare Best Credit Cards

To earn max rewards & redeem cashback, value back offers, discounts & exclusive deals. Select the best Credit Card as per need.

SBI PRIME Credit Card FAQs

✅ How do I earn Maximum points on my SBI Card?

image

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 waivers and e-gift voucher.

✅ What are the reward points benefits of the card?

image
  • 10 reward points on spending per Rs.100 on dining, groceries, departmental stores & movies.
  • 2 reward points on spending per Rs. 100 on all other retail categories except fuel.
  • You can pay your card outstanding with reward points. 
  • 4 Reward Points = Rs. 1.

✅ How do I redeem my SBI Card PRIME reward points?

image

It is absolutely hassle-free to redeem reward points of your SBI Card PRIME. You can redeem the points through the 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 vouchers, 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 the reward catalogue.

✅ Can I increase the limit of my SBI Card PRIME?

image

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 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 www.sbicard.com or email the same. 
You can also send the documents to the following address:
Correspondence Department, DLF Infinity Towers, Tower C, 10-12 Floor, Block 2, Bldg 3, DLF Cyber City, Gurgaon - 122002

✅ How do I use the Balance Transfer facility on EMI?

image

The 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 the following ways:

  • By logging on web or app with your SBI Card account credentials.
  • Under the 'Benefits' link on the left side you can find the 'Balance Transfer' tab. Click on it.
  • Fill up the 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 of a credit card?

image

It is mandatory for financial institutions to report the 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 effort, whatsoever. This will help you avail easy loans, overdrafts, and credit lines in the future.