In India's expanding credit card market, the SBI Prime Credit Card is a high-end but value-for-money offering for salaried individuals, travelers, and daily spenders. With exclusive perks and intelligent rewards, it's one of the finest lifestyle credit cards provided by the State Bank of India.
Whether it is fuel savings, complimentary lounge benefits, or cashback on groceries and dining—SBI Prime Credit Card provides a complete bouquet. In this guide, we’ll explore its key features, eligibility, charges, reward programs, and how to make the most of your card.
What is the SBI Prime Credit Card?
The SBI Prime Credit Card is a prestigious card issued by the SBI Card, well suited for individuals who have travel or dining as part of their regular spending and utility bills. It is somewhat in the middle, thus rendering it suitable for mid-to-high income categories.
It comes in both Mastercard and Visa variants and offers milestone rewards, lounge access, fuel surcharge waivers, and welcome gifts that make the annual fee worthwhile.
Key Features of the SBI Prime Credit Card
1. Welcome Benefits
Welcoming e-gift voucher worth ₹3,000 from top brands like Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra. The E-voucher shall be sent within 30 days to the Primary Account Holder after he/she has paid the Annual Fee.
2. Milestone Rewards
Continue shopping and accumulate expenses worth ₹3 lakh in a year to receive e-gift vouchers of ₹3,000. Spend ₹5 if you want to catch up with additional vouchers worth ₹7,000 as well. In this way, the Milestone Benefits serve as an added attraction to those shopping a lot.
3. Reward Points
Travel Benefits with the SBI Prime Credit Card
If you love traveling, the card has much to offer:
Fuel Surcharge Waiver
Utility & Bill Payment Offers
When paying utility bills with the SBI Prime Credit Card, members will also realize the following:
Additional Lifestyle Benefits
Annual Fee & Charges
On spending over ₹3L in a year, the renewal fee against the SBI Prime Credit Card is waived off.
Eligibility Criteria
To apply for the SBI Prime Credit Card, you should meet the following:
How to Apply for the SBI Prime Credit Card
You can obtain an online solicitation within these steps:
Managing Your Card
Upon approval, managing the SBI Prime Credit Card is easy through:
Tips to Maximize Your Card Benefits
Real Example
Mr. Rajat Sharma, working as an IT professional, shared: "I spend about ₹30,000 on bills, fuel, and food every month. With SBI Prime, I get lounge access while traveling and vouchers worth ₹10,000 last year."
FAQs About the SBI Prime Credit Card
Q1. Can I convert my purchases into EMIs?
Yes, one can convert eligible purchases into EMIs with SBI card on any transaction worth ₹2,500 and above.
Q2. Is there any provision for a supplementary card?
Yes, you can request additional credit cards in the names of your family members.
Q3. What to do if I lose my card?
First, block the card online via the app or the helpline. You will be issued a free replacement.
Whether it is fuel savings, complimentary lounge benefits, or cashback on groceries and dining—SBI Prime Credit Card provides a complete bouquet. In this guide, we’ll explore its key features, eligibility, charges, reward programs, and how to make the most of your card.
What is the SBI Prime Credit Card?
The SBI Prime Credit Card is a prestigious card issued by the SBI Card, well suited for individuals who have travel or dining as part of their regular spending and utility bills. It is somewhat in the middle, thus rendering it suitable for mid-to-high income categories.
It comes in both Mastercard and Visa variants and offers milestone rewards, lounge access, fuel surcharge waivers, and welcome gifts that make the annual fee worthwhile.
Key Features of the SBI Prime Credit Card
1. Welcome Benefits
Welcoming e-gift voucher worth ₹3,000 from top brands like Pantaloons, Shoppers Stop, Aditya Birla Fashion, or Yatra. The E-voucher shall be sent within 30 days to the Primary Account Holder after he/she has paid the Annual Fee.
2. Milestone Rewards
Continue shopping and accumulate expenses worth ₹3 lakh in a year to receive e-gift vouchers of ₹3,000. Spend ₹5 if you want to catch up with additional vouchers worth ₹7,000 as well. In this way, the Milestone Benefits serve as an added attraction to those shopping a lot.
3. Reward Points
- 10 Points per ₹100 on dining, groceries and Departmental stores
- 2 Points per ₹100 on all other categories of spend
- Value of one reward point when redeemed is ₹0.25
Travel Benefits with the SBI Prime Credit Card
If you love traveling, the card has much to offer:
- Access to four free domestic airport lounge visits every quarter (16/year!)
- International lounge access--max 4 visits in a year; via Priority Pass
Fuel Surcharge Waiver
- The cardholder is entitled to a 1% waiver on fuel surcharge when refueling at any petrol pump across India.
- Does not work on purchase transactions within a range of ₹500-4,000.
- Maximum waiver: ₹250 per billing cycle.
Utility & Bill Payment Offers
When paying utility bills with the SBI Prime Credit Card, members will also realize the following:
- 10 reward points per ₹100 spend.
- AutoPay for BSNL, MTNL, electricity, gas, water bills, etc.
Additional Lifestyle Benefits
- Vistara Club Membership
- Trident Privilege Membership
- Offers at dining merchants all over India
- Special deals during Amazon/Flipkart festivals
Annual Fee & Charges
Details | Charges |
| Annual Fee (1st Year) | ₹2,999 + GST |
| Renewal Fee (from 2nd Year) | ₹2,999 + GST (waived on ₹3L spend) |
| Interest Rate | 3.5% per month (42% per annum) |
| Foreign Currency Markup | 3.5% |
| Cash Advance Fee | 2.5% (minimum ₹500) |
On spending over ₹3L in a year, the renewal fee against the SBI Prime Credit Card is waived off.
Eligibility Criteria
To apply for the SBI Prime Credit Card, you should meet the following:
- Age: 21 to 60 years.
- Salaried or self-employed with a consistent income.
- Good credit score (preferably 700+).
- Income Proof and PAN card.
How to Apply for the SBI Prime Credit Card
You can obtain an online solicitation within these steps:
- Visit www.sbicard.com.
- Click on “Credit Cards” → Select SBI Prime Credit Card.
- Fill out the application form and submit valid documents.
- Completing the Lawful Compliance and reviewing the e-KYC Document Verification.
- Track the status of the application from the website portal.
Managing Your Card
Upon approval, managing the SBI Prime Credit Card is easy through:
- SBI Card Mobile App
- NetBanking
- 24x7 customer care and SMS alerts
Tips to Maximize Your Card Benefits
- Always settle your card for full due to avoid paying interest.
- Note well: Keep watch on your yearly spend so that you do, in fact, unlock the Milestone Rewards.
- Dine, grocery shop, and make utility payments (electricity, gas, etc.) to earn more reward points.
- Use your points to book travels for rewards or get some discount.
- Turn on the AutoPay feature to keep late payment fees at bay.
Real Example
Mr. Rajat Sharma, working as an IT professional, shared: "I spend about ₹30,000 on bills, fuel, and food every month. With SBI Prime, I get lounge access while traveling and vouchers worth ₹10,000 last year."
FAQs About the SBI Prime Credit Card
Q1. Can I convert my purchases into EMIs?
Yes, one can convert eligible purchases into EMIs with SBI card on any transaction worth ₹2,500 and above.
Q2. Is there any provision for a supplementary card?
Yes, you can request additional credit cards in the names of your family members.
Q3. What to do if I lose my card?
First, block the card online via the app or the helpline. You will be issued a free replacement.
