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PSB SBI Card PRIME

The PSB SBI Card PRIME is the premium credit card that partners with SBI Card, as well as public sector banks (PSB), and is best suited for frequent travellers and lifestyle enthusiasts.  

The PSB SBI Card PRIME provides great value from its introductory welcome voucher and milestone rewards, to enticing lifestyle perks relating to hotels and car hire, which can yield significant savings to our customers. Contactless payments, along with Visa/RuPay acceptance, provide secure and useful spending globally, and cardholders get the reassurance of fraud and limited air accident cover, as well as emergency card replacement services. The Flexipay and balance-transfer options allow cardholders to manage larger purchases more easily.

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Benefits and Features of the PSB SBI Card PRIME

The following are the benefits and features of the PSB SBI Card PRIME Credit Card:  

  1. Welcome Voucher: Rs.3,000 e‑gift voucher from select brands like Bata, Pantaloons, Shoppers Stop, Yatra, etc. Delivered within 5 working days of request.  
  1. Milestones Reward: Quarter Rs.1,000 Pizza Hut voucher on Rs.50,000 spend and a year on Rs.5 lakh spend. Annual spend on Rs.3 lakh, Renewal fee waived. 

Reward Points: 

  1. 20 points/Rs.100 on utility standing instructions. (5% effective cash-back),  
  1. 10 points/Rs.100 on dining, groceries, departmental stores, movies,  
  1. 2 points/Rs.100 on all other spends (0.5% cash-back equivalent)  
  1. Fuel Surcharge Waiver: 1% surcharge waiver on petrol spends between Rs.500-Rs.4,000, up to Rs.250 per month. 
  1. Premium Travel & Lifestyle Offers: Up to 10% off car rental (Hertz) and up to 35% off Avis car rentals. Up to 15% on IHG hotels and resorts, and RuPay cashback at lifestyle brands, 15% Cashback on flights and bookings on MakeMyTrip, and 20% off ZoomCar.  
  1. Contactless Payments: Via Visa payWave or RuPay Tap for speed and security. 
  1. Travel Insurance & Fraud Protection: Rupees 1 lakh in fraud liability cover; complimentary air accident coverage of Rupees 50 lakh (ends 15 August 2025) 
  1. Emergency Card Replacement: 24×7 card replacement support, especially useful when travelling abroad. 
  1. Flexipay & Balance Transfer: Flexipay (only if spends are >2,500) turns spends into EMIs and we transfer balances from other cards (at attractive rates). 
  1. Global Acceptance & Add-on Cards: Accepted at 24+ million outlets; can issue up to three add-on cards to family members (age 18+).
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Fees and Charges of the PSB SBI Card PRIME

The fees and charges associated with the PSB SBI Card PRIME are as follows: 

Fee Type 

Amount/Rate 

Joining Fee (One-Time) 

Rs.2,999 + GST 

Renewal Fee (Annual) 

Rs.2,999 + GST 

Renewal Fee Waiver 

Waived if annual spends ≥ Rs.3,00,000 

Add-on Card Fee 

Nil 

Finance Charges (Retail & Cash) 

Up to 3.75% per month (45% p.a.); min Rs.25 per billing cycle 

Cash Advance Fee 

2.5% of amount withdrawn; min Rs.500 (domestic & international ATMs) 

Late Payment Charges 

Rs.0 (up to Rs.500) Rs.400 (Rs.501–Rs.1,000) Rs.750 (Rs.1,001–Rs.10,000) Rs.950 (Rs.10,001–Rs.25,000) Rs.1,100 (Rs.25,001–Rs.50,000) Rs.1,300 (above Rs.50,000) 

Overlimit Charges 

2.5% of overlimit amount; min Rs.600 

Foreign Currency Mark-up 

3.5% on international transactions 

Reward Redemption Fee 

Rs.99 per redemption request (waived if account is closed voluntarily) 

Cheque Bounce/Payment Dishonour Fee 

Rs.500 

Card Replacement Fee 

Rs.100 

Emergency Card Replacement (Abroad) 

USD 175 

Priority Pass Lounge Access (Paid) 

USD 27 per visit after complimentary limits (if applicable) 

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Eligibility Requirements for the PSB SBI Card PRIME

The eligibility criteria for the PSB SBI Card PRIME are listed below:  

  1. Indian resident aged 21 years or above 
  1. Regular income (salaried or self-employed) with a stable financial profile 
  1. Satisfactory credit score (typically CIBIL 650+ expected) 

Documents Required for PSB SBI Card PRIME

The following documents need to be submitted if you are applying for the PSB SBI Card PRIME credit card:  

  1. PAN card (mandatory) 
  1. Proof of identity and address (Aadhaar, passport, driver’s licence, etc.) 
  1. Income proof: salary slips, Form 16, ITR or bank statements 
  1. Aadhaar-linked mobile number for OTP-based e-KYC
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How to Apply for the PSB SBI Card PRIME Credit Card

You can apply for the PSB SBI Card PRIME credit card online by following the instructions given below:  

  1. Step 1: Visit the SBI Card website, locate PSB SBI Card PRIME under banking partnerships and click ‘Apply Now’. 
  1. Step 2: Fill in your personal, income, and contact details. 
  1. Step 3: Verify your mobile with OTP, enter PAN and other required information. 
  1. Step 4: Complete KYC via Aadhaar OTP e-KYC, video call, or in-person submission. 
  1. Step 5: Upon approval, your card will be dispatched within 7–10 working days. 

Offline Process 

If you want to apply offline, you may do so by going to a Punjab & Sind Bank branch that accepts credit card applications. Proceed as follows: 

  1. Step 1: Visit the Nearest Partner Branch. Proceed to your nearest Punjab & Sind Bank branch (or specified SBI branch) that offers SBI credit card applications. Ask for the PSB SBI Card PRIME application form. 
  1. Step 2: Fill in the Application Form. Fill in the physical application form with correct personal, contact, employment, and income information. Fill in clearly and do not leave any compulsory fields blank. 
  1. Step 3: Submit Supporting Documents. Submit self-attested photocopies of the following documents: 
  1.  PAN card 
  1.  Identification proof (Aadhaar, passport, voter ID, etc.) 
  1.  Address proof (Aadhaar, driving license, electricity bill, etc.) 
  1.  Income proof: Recent salary slips, Form 16 (in case of salaried), or ITR/bank statement (in case of self-employed) 
  1. Step 4: KYC Verification. Submit the original documents for verification at the branch. In some instances, biometric e-KYC or physical verification may be necessitated. 
  1. Step 5: Submit the Completed Application. After attaching and verifying all documents, submit your completed application to the branch officer. You will be given an acknowledgement receipt with a reference number. 
  1. Step 6: Application Review and Card Issuance. SBI Card shall process your application. Once approved, your PSB SBI Card PRIME will be delivered to the registered address within 7 to 10 working days. 
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FAQs

  • What will happen to the complimentary air accident insurance associated with the PSB SBI Card PRIME after 15 August 2025?

    The complimentary air accident insurance of Rs.50 lakh with the PSB SBI Card PRIME would be discontinued from 15 August 2025. Post 15 August 2025, existing cardholders will no longer be entitled to the above insurance benefit, and SBI Cards will no longer bear liability for claims in respect of an event occurring after this benefit is withdrawn. 

  • Can I redeem reward points earned on my PSB SBI Card PRIME for cashback or credit to my account?

    Reward points earned on the PSB SBI Card PRIME can only be redeemed on the SBI Card rewards platform for selected gift vouchers, items or can be redeemed directly at any of the Landmark group outlets branded Lifestyle, Home Centre, Max and Spar, at the redemption rate of 4 points = Rs.1. 

  • Does the PSB SBI Card PRIME come with free lounge access?

    Complimentary airport lounge access for domestic or international flights is not included in the PSB SBI Card PRIME at the time of issuance. If you need lounge access, you will have to either pay the applicable fee for entry into the lounge or consider an SBI Card variant that offers access to the lounge. 

  • Do I earn reward points if I convert a purchase to Flexipay EMIs?

    You earn reward points only on the transaction value at the point of purchase. If you convert the purchase to EMIs with Flexipay after the fact, you will not get any additional points on the EMIs related to that purchase, including interest or charges. There are additional restrictions; this applies only to purchases of Rs.2,500 and over, and the request for the EMI conversion must be made within 30 days. 

  • Can I pool rewards points from the PSB SBI Card PRIME with my other SBI Cards?

    The rewards points earned on the PSB SBI Card PRIME cannot be pooled or transferred to any other SBI credit cards. Each card account keeps its own separate reward point balance, and the reward point redemption must be done through that card's rewards portal.  

  • What is the limit on the fuel surcharge waiver for the PSB SBI Card PRIME?

    The customer will receive a 1 percent waiver on fuel surcharge for transactions between Rs.500 and Rs.4,000 on any petrol station in India. But the maximum you can avail of in terms of fuel surcharge as waiver in the same billing cycle is Rs.250. Fuel transactions do not earn any rewards points on the PSB SBI Card PRIME. 

  • How many add-on cards can be issued on the PSB SBI Card PRIME and to whom?

    You can ask for three add-on cards on your PSB SBI Card PRIME. An add-on card can be issued to members of your immediate family, including your spouse, children, siblings, or parents, if they are at least 18 years old. There is a common credit limit for add-on card transactions. The transactions made through the add-on cards will show on the main card statement. 

  • Is the contactless payment feature on the PSB SBI Card PRIME less secure for higher value transactions?

    The contactless functionality for the PSB SBI Card PRIME is secure which has been enabled by Visa payWave. For card purchases of Rs.5 lakhs and over, the card holder will be required to enter a PIN to authorise the payments. This adds security for users on high-value transactions.  

  • Is it possible to convert my existing SBI Card to a PSB SBI Card PRIME?

    Currently, SBI Card does not offer direct upgrades or product conversion from an existing SBI Card to the PSB SBI Card PRIME. If interested in the co-branded card, you will have to apply for the card as a new credit card and satisfy the eligibility criteria in place at the time of completing the application form. Approval is at the discretion of SBI based on their regular review process. 

  • When are milestone benefits like vouchers or bonus points awarded on the PSB SBI Card PRIME?

    Milestone rewards, like vouchers and annual bonus points on the PSB SBI Card PRIME, are all paid on the basis of tracking spend, done by SBI Card. If you get a voucher in relation to Pizza Hut, for example, it should be sent to you within 21 working days of the end of the qualification period. 

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