The SBI Prime Credit Card offers premium privileges for individuals across various categories, including travel, shopping, and dining. Whether you’re a frequent traveler, a shopping enthusiast, or someone who enjoys dining out, this card provides tailored benefits for your lifestyle. Below is a detailed overview of its features, benefits, fees, and rewards.
Key Features of SBI Prime Credit Card
SBI Prime Credit Card
Welcome Benefits
Gift voucher (worth Rs. 3,000) from any of these brands, Yatra, Aditya Birla Fashion, Bata/Hush Puppies, Shoppers Stop, and Pantaloons.
Movie & Dining
5X Reward Points (10 Reward Points) on dining and movie spendsGet up to 25% discount on dining bills at partner restaurants (only with AmEx variant)
Rewards Rate
10 Reward Points for every spend of Rs. 100 on groceries, dining, movie and departmental store, 2 RPs for every Rs. 100 spent on all other retail.
Reward Redemption
Redeem reward points on Sbicard.com for gift vouchers or for settling the card’s statement balance.1 RP = Rs. 0.25
Travel
N/A
Domestic Lounge Access
8 complimentary domestic airport lounge visits per annum (max visits 2 per quarter)
International Lounge Access
4 complimentary international airport lounge access every year with Priority Pass Membership (2 per quarter)
Golf
Complimentary 4 rounds of green fee and 1 complimentary golf lesson every month and also up to 50% off on golf games (With MasterCard Variant only)
Insurance Benefits
Air accident cover (worth Rs. 50 lakhs), fraud liability cover (worth Rs. 1 lakh) applicable from 48 hours prior to 7 days post reporting about the loss of the card to the bank
Fees & Charges
Spend-Based Waiver
Renewal fee is waived off if a minimum of Rs. 3 lakhs were spent in the previous year
Rewards Redemption Fee
Rs. 99 (plus applicable taxes) per redemption request
Foreign Currency Markup
3.5% of the transaction amount
Interest Rates
3.5% per month (42% per annum)
Fuel Surcharge
1% fuel surcharge waiver applicable on every fuel transaction between Rs. 500 to Rs. 4,000 (maximum waiver of Rs. 250 in a month).
Cash Advance Charges
2.5% of the amount withdrawn or Rs. 500 (whichever is higher)
- Welcome Gift Offer:
Receive a gift voucher worth ₹3,000 upon card issuance as a welcome benefit. - Reward Points for Spending:
- Earn 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental stores.
- For other retail spends, get 2 Reward Points for every ₹100 spent.
- Special e-Gift Voucher:
- Avail an e-Gift Voucher worth ₹7,000 from Yatra or Pantaloons on spending ₹5 lakh in a year.
- Quarterly Spending Rewards:
- Get a Pizza Hut e-voucher worth ₹1,000 by spending ₹50,000 in a calendar quarter.
- Renewal Fee Waiver:
- Enjoy a waiver on the renewal fee by spending ₹3 lakhs or more in the previous year.
- Airport Lounge Access:
- 4 Complimentary International Lounge Access per year (maximum 2 per quarter).
- 8 Complimentary Domestic Lounge Access per year (maximum 2 per quarter).
- Luxury Hotel Discounts:
- Save up to 15% on the best available room rates and F&B services at Lalit Hotels (MasterCard variant only).
- Enjoy up to 10% off on Hertz car rentals and up to 35% off on Avis car rentals (Visa card variant only).
- Exclusive privileges at 900 premium hotels worldwide (Visa card variant only).
- Birthday Rewards:
- Earn 20 Reward Points for every ₹100 spent on your birthday (capped at 2,000 Reward Points).
| Pros | Cons |
| High reward points on select categories | High annual fee |
| Complimentary lounge access | Foreign currency markup of 3.5% |
| Attractive milestone rewards | Requires significant spending to maximize benefits |
READ MORE:- SBI ELITE Credit Card Review: Is It Worth Your Money?
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Benefits of SBI Prime Credit Card
The SBI Prime Card offers a range of world-class benefits across various categories like dining, movies, travel, shopping, golf, and more. In addition to these perks, the card also comes with exclusive welcome and milestone benefits. Let’s dive into the detailed benefits and features of the SBI Prime Card.
Welcome Benefits
Start your journey with a bang! New SBI Prime cardholders receive a gift voucher worth ₹3,000 from leading brands like Yatra, Bata, Pantaloons, Aditya Birla Fashion, and Shoppers Stop.
Reward Structure
- 10 Reward Points per ₹100 spent on groceries, dining, movies, and departmental stores.
- 2 Reward Points per ₹100 on all other categories.
- 20 Reward Points for every ₹100 spent on your birthday (valid for the day before, on, and after your birthday, capped at 2,000 points per year).
- Each Reward Point is valued at ₹0.25, making the effective reward rate:
- 2.5% on dining, groceries, and movies.
- 0.5% on other retail purchases.
Lounge Access and Travel Benefits
- Domestic Lounge Access: 8 complimentary visits per year (max 2 visits per quarter).
- International Lounge Access: 4 complimentary visits annually via Priority Pass Membership.
- Exclusive hotel discounts:
- Up to 15% off at Lalit and F&B hotels (MasterCard variant).
- Up to 10% off on Hertz car rentals and 35% off on Avis (Visa variant).
- VIP hotel upgrades with American Express Tablet Plus membership.
Dining and Entertainment Privileges
- 5X Reward Points on dining and movie tickets.
- Up to 25% discount at partner restaurants (exclusive to the American Express variant).
Golf Benefits (MasterCard Variant Only)
- 4 complimentary rounds of golf per month.
- Up to 50% discount on additional golf games.
- 1 free golf lesson every month.
Milestone Benefits
- ₹1,000 Pizza Hut e-voucher on quarterly spending of ₹50,000.
- ₹7,000 e-voucher from Yatra or Pantaloons on annual spending of ₹5 lakhs.
- Renewal Fee Waiver: Spend ₹3 lakhs annually to waive the ₹2,999 renewal fee.
Insurance and Protection
- Air Accident Insurance: ₹50 lakh coverage.
- Fraud Liability Cover: ₹1 lakh for unauthorized transactions (valid from 48 hours before to 7 days after reporting card loss).
- Zero Liability Protection: Safeguards you against unauthorized transactions if the loss is reported promptly.
Zero Liability Protection
The SBI Card offers zero liability protection to its credit cardholders. This means that if your card is lost or stolen and any unauthorized or fraudulent transactions occur, you won’t be held responsible, as long as you report the loss to the bank promptly.
SBI Prime Card Rewards Benefits
- 10 Reward Points for every ₹100 spent on dining, movies, groceries, and departmental store spends.
- 2 Reward Points for every ₹100 spent on all other retail spends with the card.
- 20 Reward Points every time you spend ₹100 on a birthday (Reward Points on Birthday spends (one day before, on the birthday, and one day after the birthday) is capped at 2,000 Reward points per calendar year)
Reward Points Redemption
Following are the redemption options for the Reward points earned with the card:
SBI Card Prime Eligibility
Each credit card has specific eligibility requirements that must be met. These criteria typically include factors such as the applicant’s age, income, and credit history. The SBI Card Prime also has its own set of eligibility conditions, which are outlined below:
| Criteria | Age | Income |
| Salaried | 18 years – 65 years | ₹32,000 per month |
| Self-employed | 21 years – 65 years | ₹32,000 per month (as per ITR) |
How to Apply For SBI Card Prime?
SBI Card offers multiple ways for customers to apply for the SBI Prime Credit Card, both online and offline. To apply offline, visit your nearest SBI branch and fill out the application form. Make sure to carry the necessary documents such as proof of identity, address, and income. For those who prefer applying online, here are the simple steps to follow:
Customer Care and Bill Payment Options
- Bill Payment Methods:
- Use the YONO app to pay your bill quickly.
- Pay online through the SBI Card BillDesk portal.
- Deposit cash or cheque at the nearest SBI branch or ATM.
- Customer Care Numbers:
- Toll-Free: 1800 180 1290
- Email Support: Visit the official SBI Card website for detailed contact options.
Who Should Get the SBI Prime Credit Card?
The SBI Prime Credit Card is ideal for:
Compare Other Cards To SBI Prime Credit Card
| Category | SBI Prime Credit Card | SBI Card Elite | HDFC Regalia Credit Card |
| Annual Fee | ₹2,999 + GST | ₹4,999 + GST | ₹2,500 + GST |
| Rewards Rate | 2 Reward Points on every spend of ₹100.5x Reward Points on dining, movies, groceries, and departmental stores. | 2 Reward Points on every ₹100 spent.5x Reward Points on dining, groceries, and departmental stores. | 4 Reward Points on every spend of ₹150 |
| Reward Redemption | 1 Reward Point = Re. 0.25 for redemption against gift vouchers, products, and cashback. | 1 Reward Point = Re. 0.25 for redemption against the product catalog and statement balance. | 1 RP = Re. 0.20 for redemption against cashback1 RP = Re. 0.35 for redemption against products and gift vouchers1 RP = Re. 0.50 for redemption against flight/hotel bookings |
| Additional Benefits | Gift vouchers worth up to ₹8,000 every year on achieving the spend milestone.Complimentary domestic and international lounge access | Complimentary domestic and international lounge access every year.Up to 2 complimentary movie tickets every month. | Complimentary domestic (12 per year) and international lounge (6 per year) access every year.Up to 15,000 bonus Reward Points every year on achieving the spend milestone. |
Pros and Cons of SBI Prime Credit Card
Advantages
- The card is suitable for frequent travelers as it offers complimentary domestic as well as international lounge access.
- The annual fee of ₹2,999 is waived upon achieving the required minimum spend.
- As the card offers exciting privileges across different lifestyle categories, such as dining, entertainment, golf, etc, it is a great option for those who love to spend on lifestyle-related categories.
Disadvantages
- The card might not be a suitable choice for those who are not ready to pay an annual fee of ₹2,999.
- The basic reward rate (2 RPs on every spend of ₹100) could be better.
Why Choose the SBI Prime Credit Card?
The SBI Prime Credit Card combines value, versatility, and convenience, offering tailored benefits for frequent travelers, dining enthusiasts, and shoppers. Its balanced reward structure and milestone benefits make it a solid choice for those looking to maximize returns on spending.
Take the next step towards a rewarding financial experience by applying for the SBI Prime Credit Card today!
SBI Prime Credit Card Review
The SBI Card Prime is a more affordable alternative to the SBI ELITE Card, making it a great option for those who spend a lot on shopping and travel but don’t want to pay a high annual fee. With an annual fee of ₹2,999, the card offers solid benefits and good reward rates. It’s a great choice for individuals who want value without breaking the bank.
If you’re already using the SBI Card Prime, feel free to share your experience. Your feedback could help others make an informed decision!