A premium credit card to complement a premium lifestyle, the SBI PRIME Card comes with a joining fee (which is also the first-year fee) of Rs.2,999. The annual fee is Rs.2,999 per year and starts from the second year. You can enjoy a fee waiver if you spend a minimum of Rs.3 lakh annually. The interest rate charged on the outstanding balance is up to 3.35% per month or 40.2% p.a.
The State Bank of India provides its customers with the SBI Card PRIME which is a credit card offering a wide range of rewards. This card gives you joining benefits along with reward points for transactions done through various categories such as travel, fuel and, lifestyle.
Key Highlights of the SBI Card PRIME
The SBI Card PRIME is among the premium credit cards offered by the bank curated specifically for frequent travelers and for the people who make most of their purchases online.
An e-gift voucher worth Rs.3,000 given from the bank on paying your annual fees.
This voucher can be redeemed on purchases made at Bata, Marks and Spencer, Hush Puppies, Pantaloons, Yatra.com and Shoppers Stop.
With your SBI Card PRIME, for every Rs.100 spent on your birthday, you get 20 reward points.
Win a Pizza Hut voucher worth Rs.1,000 on purchases worth more than Rs.50,000 in a quarter.
Get gift vouchers from Pantaloons or Yatra worth Rs.7,000, on spending more than Rs.5 lakh in a year.
Features and Benefits of the SBI Card PRIME
This card offers a wide range of features and benefits spread across various categories such as hotel stays, flight bookings, fuel, etc.
Hotel Stay Benefits
Get a complimentary Trident Privilege Red Tier Membership, which provides 1,000 welcome points on registration.
Enjoy an instant discount of 10% on bookings made through the hotel website.
1,500 bonus points added on your first hotel stay.
Complimentary Airport Lounge Access
With the Club Vistara Silver Program, get 1 free lounge access voucher and 1 upgrade voucher.
You will be eligible for 4 free lounge visits per year at international airport lounges.
The VISA/MasterCard lounge access program provides 8 complimentary visits per year at domestic airports.
MasterCard / Visa Privileges
Earn up to 10,000 miles per night on hotel stay and an additional 25% extra miles on Kaligo.com.
Get up to 8% off on bookings made through hotels.com across the Asia Pacific.
Enjoy up to 35% discount on Avis Car Rentals and up to 10% off on Avis Car Rentals.
Air accident insurance cover of Rs.50 lakh and credit card fraud liability cover of Rs.1 lakh given to primary cardholders.
Fuel Surcharge Waiver
Avail 1% fuel surcharge waiver across all petrol pumps.
This offer is valid for transactions between Rs.500 to Rs.4,000.
A maximum waiver that can be availed is of Rs.250 per statement cycle.
SBI PRIME Credit Card Limit
The credit card limit of this credit card is at the discretion of the bank. In order to decide the limit for a particular credit card, the bank considers a number of factors such as the credit history of the applicant, credit score along with the repayment behavior of past and current debts.
Latest Offer Benefits of the SBI PRIME Credit Card
Get discounts on hotel, flight, and bus bookings on EaseMyTrip with your SBI PRIME credit card.
Avail EMI for your travel bookings made on Goibibo, Cleartrip, and Yatra.com.
Enjoy a discount of 20% on Zomato on a minimum transaction of Rs.300.
Avail EMI payment on products purchased from online shopping platforms such as Amazon, Flipkart, Myntra, etc.
Reward Point Benefits of the SBI PRIME Card
Enjoy 2 reward points for every Rs.100 spent on retail purchases.
Reward points can be redeemed to pay your outstanding amount.
1% fuel surcharge waived on transactions ranging between Rs.500 and Rs.4,000 at all petrol pumps.
How To Redeem Reward Points?
You can redeem your reward points through State Bank of India net banking. Here are the steps which need to be followed:
Log in to your SBI net banking account.
Click on the 'redeem rewards' option on the main page.
You can choose the reward category from the catalog given to you.
The total reward points will be shown to you on the left side of the page.
Input the city for the delivery of the rewards.
Choose the quantity of the reward and then click on 'add to cart'.
Once done, check on the disclaimer and click on 'place order'.
Fees and Charges of the SBI PRIME Card
Type of Charge
Rs.2,999 (From 2nd year)
Add-On card fee
Up to 3.35% per month
Cash withdrawal fee
2.5% of the amount withdrawn or Rs.300 (SBI ATMs)
3% of the amount withdrawn or Rs.300 (International ATMs)
The applicant can be a resident as well as a non-resident of India.
Documents Required To Apply For Sbi Prime Credit Card
Filled credit card application form.
A copy of PAN card or Form 60.
Identity proof - PAN, driving license, Aadhaar Card, etc.
Income proof - latest pay slips, Form 16, IT return copy, etc.
Residence proof - Passport, Ration Card, electricity bill, Aadhaar, etc.
Passport size color photographs of the applicant.
*The list of documents mentioned above is indicative and additional documents might be asked for when you apply for the PRIME credit card.
How To Apply For The SBI Prime Card Online?
You can apply for the SBI PRIME credit card from the State Bank of India website.
Application of the credit card can also be done from the BankBazaar website. Here are the steps which you need to follow:
Check your eligibility for the card by clicking 'Check Eligibility'.
Submit the information that you are asked for.
Next, upload the documents when you are prompted to do so.
Use the tracking ID on the 'Track Application' process and get the application status.
SBI PRIME Card FAQs
Is the SBI Card PRIME a contactless credit card?
Yes, the SBI Card PRIME is powered with contactless technology that enables swipe-less transactions at POS terminals.
Can I use SBI Card PRIME abroad?
Yes, you can use the card anywhere across the globe. The SBI Card PRIME is accepted at over 24 million outlets across the world. A foreign transaction fee of up to 3.5% of the transaction amount will be charged every time you use the card abroad.
How to report the loss of my SBI Card PRIME Credit Card?
If you have lost your SBI Card PRIME in India, you can report it immediately to the bank by calling its 24x7 helplines 1860 180 1290 or 39 02 02 02 (prefix local STD code). In case you lost the card abroad, you can call the respective Visa helpline number specific of the country to report the loss. The list of toll-free numbers of more than 70 countries is available on SBI website or Visa website.
How many add-on credit cards can I avail on my SBI Card PRIME?
You can apply for up to 2 add-on credit cards on your SBI Card PRIME Credit Card.
Is balance transfer facility available on SBI Card PRIME?
Yes, SBI Card PRIME comes with a balance transfer on EMI facility that allows you to transfer the outstanding balance on your other bank credit cards to SBI PRIME Credit Card. Once the amount is transferred, you can pay it back in easy monthly installments at a lower interest rate in flexible tenures.
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SBI Prime card i have got recently anyway its a premium card. I have not used the card much. I bought the card for making the utility bill because its gives 20 points for every Rs. 100 i spent. They have a a catalog where i can purchase by using those points hence i get 5% returns based on my purchase.
I am holding SBI prime credit card where the limit of the card is good, EMI options are available but rate of interest was high, I am using this card from last three years, card has charges of Rs. 2000 but if we purchase for certain amount then the annual fee is waived off.
I hold SBI PRIME credit card and its been 6months. I am using it for regular purpose and its a basic card also the offers are not much. I have no experience with late payments and EMI conversion. They should increase my limit. The annual fee is applicable and need to pay Rs.3000.
SBI is a new card and i have not used that much. I have been using the card from the month of April. Certainly the features are good hence i got the card. Its a Prime card and I'm convenient with the bill cycle. I have not contacted the customer care service till now.
I have SBI prime credit card it has the annual fee but the charges get waived off if I spend certain limit of transactions. Generally I get reward points for my spends but only concern about the credit limit is lesser I was expecting Rs. 1 lakh from their end.
I have a Prime card from State bank of India which is a premium card. I never had any issue so far and the given limit of Rs. 1.5 lakhs is okay for me. I get a unlimited free airport launch access since we are maintaining a salary account with them. For me, the annual fee its not there because i am getting the salary from the same account.
Earlier i had a SBI prime card and the annual charges are very high which is Rs. 5000 and they have wrongly debited the money from Amazon which is a 2 transaction and i have closed the card. I raised the request but they have credited only 1 transaction amount. Many times i called the customer care and they said it will take 6 months to resolve this issue
SBI also good card to use but we don't get that much offers and discounts. I have a SBI prime card hence i get a premium offers like airport launch access. This card had a annual fee of Rs. 3000 for that they will provide some gift voucher as well..
The process of getting the credit card is more and they have rejected the documents hence i have to give once again and i received 2 to 3 verification calls by saying that they are SBI people and i raised a complaint also. Actually their service is worst and i have chosen the SBI prime card because i would get a better benefits and they will provide some coupons as well.
As per payment part, I would say SBI is best and also am holding salary account so the payment mode is easy and getting updated immediately. I am using SBI Prime card for more than 2 years. The credit limit is not sufficient which they need to improve. The annual fee is not applicable.
I used SBI prime card for past one year. They are charging annual fee of Rs.3000 so canceled the card and taken a new card. There was more unwanted charges. The credit limit is not up to the mark. I got a gift voucher of Rs.3000 on Pantaloons as joining offer.
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M KUMARA VISHAL
Reviewed on May 24, 2019
It has just been five months since i am using the SBI Card PRIME, the services provided by them had been quite good so far. I am satisfied with the credit limit which they had given with this card and it has an annual maintenance charges of 3000. There has not been much offers coming with this card so far and i have used the card for all purposes.
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MAHESH SATHAYYA BINGI
Reviewed on May 17, 2019
I am using the SBI CARD PRIME for almost an year and the services of them had been pretty much good. There is a good credit limit with this card and it has a good reward point system which i am able to redeem the points which i am getting. It does not have any annual charges and i am using the card for all sort of purposes.
I am using the SBI PRIME CARD for the last couple of months and i am quite satisfied with the services provided by them. There was some annual charges of 2999 with this card and i am using the card for shopping and all other purchases where i get some good offers as well.
I am using the SBI PRIME CARD for the last four to five years where the services with them has been good. There is a good credit limit with the card and there is also some added benefits in using this card. There is annual charges with the card and there is waver off option where if i am using a certain limit it will get waved off.
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TEK BAHADUR SUBEDI
Reviewed on Apr 25, 2019
I am not satisfied with state bank credit card here credit limit is 75k , I have this card last two years , in this card offer also available , but their customer service is not good and response is also not good , I want closed this card , I am not happy with this credit card ,
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Reviewed on Apr 22, 2019
SBI Prime, I would say its a great card, The customer service is very helpful and prompt only for this product. I am using it for 2 years and credit limit is average, I have received a lot of benefits on this card but need to pay annual fee o Rs.3000. I use this card for multi purpose and EMI conversion is comfortable with 7.5% of interest.
I am using the SBI PRIME CREDIT CARD for more than a year and their services had been quite good. The Credit limit with the card is quite less than my existing card and it has some annual charges as well. There has not been much good benefits in using the card and i use the card for most of the purposes.
I holding SBI PRIME CARD more than 2 years this is a premium card. This is the best card for purpose i can use this card. Annual charges for this card is Rs. 3000 no fee wavier but i can adjust annual charges to reward points.Credit limit is really good and sufficient. I am getting gift vouchers gift coupons like hand looms and more.
SBI prime credit card is good for their reward points, like they use to give good reward points to me,and they have charged me annual fee up to 500 rupees,but instead of waived off they have given me good points,and the credit limit which they have given me was sufficient,Their overall service is good.
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MUTHURAJ SELVARAJ NIRMAL MUTHURAJ
Reviewed on Mar 30, 2019