Elevate your lifestyle with the SBI Prime Credit Card, a premium, all-purpose card designed for the discerning individual who spends across categories. It rewards you generously on everyday spends like dining, groceries, and shopping, while also unlocking a world of exclusive travel and lifestyle privileges. It’s the perfect card for those who seek value in every transaction.
Card at a Glance
| Category | Details |
|---|---|
| Best Suited For | All-Round Spending, Travel, Dining, Groceries, Entertainment |
| Welcome Benefit | ₹3,000 e-Gift Voucher from leading brands. |
| Joining Fee | ₹2,999 + Applicable Taxes |
| Renewal Fee | ₹2,999 + Applicable Taxes (Reversable on spending ₹3 Lakhs in the previous year) |
| Reward Rate | 4 Reward Points per ₹100 on all spends (1 RP = ₹0.25, equivalent to 1% reward rate). |
| Accelerated Rewards | 10 Reward Points per ₹100 on Dining, Groceries, Movies, and Department Stores. |
| Birthday Bonus | 20 Reward Points per ₹100 on spends made one day before, on, and one day after your birthday. |
| Fuel Surcharge Waiver | 1% waiver on fuel spends between ₹500 & ₹4,000 at all fuel stations (max. ₹250 per statement). |
Why Choose the SBI Prime Credit Card?
The SBI Prime Card is packed with features that offer unmatched value, making every purchase count.
🎁 Premium Welcome Gift
Receive an e-Gift Voucher worth ₹3,000 from a curated list of premium brands like Aditya Birla Fashion, Bata/Hush Puppies, Pantaloons, Shoppers Stop, and Yatra upon fee payment.
✈️ Exclusive Travel Benefits
- Complimentary Airport Lounge Access: Enjoy unlimited free access to over 1,000+ domestic and international airport lounges through the DreamFolks membership.
- Complimentary Memberships: Receive free membership to Club Vistara (get 4 upgrade vouchers) and Priority Pass (4 free visits per year), enhancing your travel experience.
🏆 Milestone Benefits
- Annual Fee Waiver: Get your renewal fee of ₹2,999 waived on achieving a total spend of ₹3 Lakhs in the previous card year.
- Spend-Based Rewards: Earn additional reward points on achieving specified annual spending milestones.
🔒 Security & Convenience
- Contactless Payments: Enabled with NFC for secure and fast tap-to-pay transactions.
- Zero Fraud Liability Protection: You are not held responsible for any fraudulent transactions on your card once you report them.
Fees & Charges
| Fee Type | Amount (Excl. GST) |
|---|---|
| Joining Fee | ₹2,999 |
| Annual/Renewal Fee | ₹2,999 |
| Finance Charges | 3.5% per month (42% per annum) |
| Cash Advance Fee | 2.5% of the amount (Min. ₹500) |
Late Payment Charges:
| Outstanding Balance | Charges (Excl. GST) |
|---|---|
| ≤ ₹500 | Nil |
| ₹501 – ₹1,000 | ₹400 |
| ₹1,001 – ₹10,000 | ₹750 |
| ₹10,001 – ₹25,000 | ₹950 |
| ₹25,001 – ₹50,000 | ₹1,100 |
| > ₹50,000 | ₹1,300 |
Eligibility & Application
Eligibility Criteria
- Age: 21 years to 60 years
- Income: A regular source of income with a minimum annual income as specified by SBI Card (typically higher than standard cards).
- Credit Score: A healthy credit score (usually 750+) is required for approval.
Documents Required
- Completed Application Form
- Identity Proof: PAN Card (Mandatory), Aadhaar, Passport, or Driver’s License
- Address Proof: Aadhaar, Passport, Utility Bill (not older than 3 months)
- Income Proof: Latest Salary Slips, Form 16, or ITR Returns
How to Apply?
Applying for your SBI Prime credit Card is quick and easy.
- Online (Recommended):
- Visit the official SBI Card website.
- Navigate to the ‘Credit Cards‘ section and select ‘SBI Prime Credit Card’.
- Click on ‘Apply Now’ and fill in the online application form with your personal, employment, and income details.
- Upload scanned copies of the required documents.
- Submit the form for instant verification and approval.
- Offline:
- Visit your nearest SBI branch or an SBI Card representative.
- Collect and fill out the physical application form.
- Attach self-attested copies of all required documents and submit.
Similar Premium Credit Cards
| Credit Card | Key Feature |
|---|---|
| Axis Bank Select Credit Card | 10 EDGE RP on ₹200 spent on Select Partners. |
| HDFC Diners Club Privilege | Up to 10X rewards on SmartBuy portal. |
| IndusInd Bank Legend | 2 Reward Points per ₹100 spent. |
Explore Other SBI Credit Cards
- SBI SimplyCLICK Credit Card
- SBI Cashback Credit Card
- SBI Elite Credit Card
- BPCL SBI Card OCTANE
- IRCTC SBI Card PRIME
Frequently Asked Questions (FAQs)
Q1. What is the credit limit on the SBI Prime Credit Card?
The credit limit is determined by SBI Card based on your income, credit history, and other internal criteria. It is typically on the higher end, aligning with its premium segment.
Q2. Can I use my SBI Prime Card for international transactions?
Yes, the card is enabled for international transactions. You can use it for purchases and cash withdrawals abroad. Dynamic Currency Conversion (DCC) charges may apply.
Q3. What should I do if my card is lost or stolen?
Immediately report the loss to SBI Card’s 24×7 helpline (1800 129 1290 or 39020202 from your registered mobile number) to block the card and prevent fraudulent use. A replacement card will be issued.
Q4. Is there a balance transfer facility?
Yes, SBI Card offers Balance Transfer and Personal Loan options on the Prime card at competitive interest rates. You can check your pre-approved offers via the SBI Card app or website.
Q5. How can I redeem my reward points?
Reward points can be redeemed easily for air miles, gift vouchers, statement credit, or merchandise through the SBI Card rewards portal or mobile app.
Terms and conditions apply. The benefits and offers are subject to change as per the bank’s policy. Please refer to the official SBI Card website for the most current information.
SBI Prime Credit Card Benefits.
SBI Prime Credit Card Review
SBI Prime Credit Card Customer care number
SBI Prime Credit Card How to redeem points
