Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • SBI PRIME Card

    A premium credit card to complement a premium lifestyle, the SBI PRIME Card comes with a joining fee of Rs.2,999. You can enjoy a fee waiver if you spend a minimum of Rs.3 lakh annually.
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    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 SBI Credit 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 SBI which is curated specifically for frequent travelers and for the people who make most of their purchases online.

    • Get an e-gift voucher worth Rs.3,000 as a welcome gift.
    • Lucrative PRIME Reward Points system.
    • If your expenses in a year exceed Rs.3 lakh, the annual fee of the credit card will be waived off.
    • Win a Pizza Hut voucher worth Rs.1,000 on purchases worth more than Rs.50,000 in a quarter.
    • Get complimentary Club Vistara and Trident Privilege Memberships

    Features and Benefits of the SBI Card PRIME

    Welcome Bonus
    • 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, and Shoppers Stop.
    Birthday Benefit
    • With your SBI Card PRIME, for every Rs.100 spent on your birthday, you get 20 reward points. This is subject to a maximum of 2,000 points per annum.
    Milestone Benefits
    • 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 Rs.5 lakh or more in a year.
    • The annual fee of the credit card will be waived off on spending Rs.3 lakh or more in the previous year.
    Hotel Stay Benefits
    • Get a complimentary Trident Privilege Red Tier Membership.
    • Earn 1,000 Welcome Points on registration.
    • Enjoy an instant discount of 10% on bookings made through the hotel website.
    • Earn 1,500 bonus points on your first hotel stay and an additional Rs.1,000 hotel credit for extended night stay.
    • Earn 10 points on spending every Rs.100 on the card at all participating hotels.
    Complimentary Airport Lounge Access MasterCard / Visa Privileges
    • 4 complimentary rounds every year on Green Fees.
    • 1 complimentary golf lesson every month at select golf courses across India.
    • Enjoy exclusive benefits at 900 luxury hotels across the world.
    Insurance benefits
    • Air accident insurance cover of Rs.50 lakh and credit card fraud liability cover of Rs.1 lakh given to primary cardholders.

    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.

    How 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:

    Step 1: Log in to your SBI net banking account.

    Step 2: Click on the 'redeem rewards' option on the main page.

    Step 3: You can choose the reward category from the catalog given to you.

    Step 4: The total reward points will be shown to you on the left side of the page.

    Step 5: Input the city for the delivery of the rewards.

    Step 6: Choose the quantity of the reward and then click on 'add to cart'.

    Step 7: Once done, check on the disclaimer and click on 'place order'.

    Fees and Charges of the SBI PRIME Card

    Type of Charge Amount
    Annual fee Rs.2,999
    Renewal fee Rs.2,999
    Add-On card fee Nil
    Cash advance fee

    2.5% of the amount withdrawn or Rs.500 (Domestic ATMs)

    2.5% of the amount withdrawn or Rs.500 (International ATMs)

    Finance Charges 3.50% per month or 42% per annum
    Payment dishonor fee 2% of the payment amount; minimum of Rs.450
    Statement request Rs.100 per statement (more than 2 months old)
    Cash payment fee Rs.250
    Late payment fee
    • From Rs.0 to Rs.500 - Nil
    • More than Rs.500 up to Rs.1,000 - Rs.400
    • More than Rs.1,000 up to Rs.10,000 - Rs.750
    • More than Rs.10,000 up to Rs.25,000 - Rs.950
    • More than Rs.25,000 up to Rs.50,000 - Rs.1,100
    • More than Rs.50,000 - Rs.1,300
    Cheque payment fee Rs.100
    Over limit fee 2.5% of the over limit amount; minimum of Rs.600
    Rewards redemption fee Rs.99
    Foreign currency transaction 3.50%

    Eligibility of SBI PRIME Card

    • You must be between 18 - 70 years of age.
    • Add-on credit cardholder must be above 15 years.
    • 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 licence, 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

    Step 1: Check your eligibility for the card by clicking 'Check Eligibility'.

    Step 2: Submit the information that you are asked for.

    Step 3: Next, upload the documents when you are prompted to do so.

    Step 4: Use the tracking ID on the 'Track Application' process and get the application status.

    FAQs on SBI PRIME Card

    1. 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.

    2. 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.

    3. 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.

    4. 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.

    5. 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.

    6. How can I contact SBI through post if I have any query related to SBI Prime credit card?

      In case of any query related to SBI Prime credit card you can contact SBI by sending a mail via post to the address given below:

      SBI Cards and Payment Services Limited
      Unit 401 & 402, 04th Floor, Aggarwal Millennium Tower,
      E-1,2,3 Netaji Subhash Place,
      Wazirpur, New Delhi 110034

    7. How can I check the status of my application for SBI Prime credit card?

      You can check the status of your SBI Prime credit card application by clicking on the link where in the box under ‘Track Application’ enter either your reference number or application number and click on ‘Track’.

    8. I couldn’t complete my application process for application for SBI Prime credit card. How can I retrieve my application form online?

      In case you were unable to complete your application process, click on the link and under ‘Retrieve Application’ enter your first name and mobile number in their respective boxes and click on ‘Retrieve’.

    9. My application for SBI Prime credit card got rejected. What can be the possible reasons behind the rejection?

      Some of the reasons why your application for SBI Prime card got rejected could be that you may not have met the required eligibility criteria. In case your credit score is low, or if you do not withdraw the minimum monthly income, then the bank can reject your application. In case you are unable to submit correct documents, then there the bank is at liberty to reject your application.

    10. What are the eligibility criteria I will have to fulfil in order to apply for SBI Prime card?

      Salaried individuals must be aged at least 21 years while self-employed individuals must be 25 years and above to be eligible to apply for SBI Prime Card. Retired pensioners aged between 40 years and 70 years can also apply for this credit card.

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