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

    Apply for this special credit card and enjoy several premium privileges like special vouchers and complimentary membership of Priority Pass program and Trident Privilege Red Tier program. Also, explore the rich world of the PRIME Rewards program.
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    1st Year Fee
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    2999
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    SBI Card PRIME is Rated as "Great!" by 604 Users

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    Promised Interest Rate

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    SBI Card PRIME is one of the premium credit cards offered by SBI for its elite group of customers. If you’re a frequent traveller or use your credit card extensively for all online and offline transactions, the SBI Card PRIME is a good option.

    The card offers exclusive airport lounge access at both domestic and international airports and provides numerous rewards through its attractive reward points programme.

    Features and benefits of SBI Card PRIME

    Welcome bonus: SBI welcomes you on board with a gift worth Rs.3,000 from popular online and offline brands including Bata/Hush Puppies, Pantaloons, Shoppers Stop, Marks and Spencer and Yatra.com.

    You will have an option to choose any one of the e-vouchers, which will be sent to your registered e-mail within 5 days of request. Except for Yatra and Shoppers Stop, you can redeem all other vouchers even in retail stores by showing the code.

    PRIME Reward points program:

    • Under the PRIME Rewards program, you can enjoy 20 reward points for every Rs.100 spent on utility bill payments made through standing instructions.
    • Enjoy 15 reward points on every Rs.100 spent at Big Basket grocery store.
    • Earn 10 reward points on purchases related to dining, groceries, movies, and departmental stores.
    • 2 reward points on all other retail spends.
    • More credit card reward points on birthday spends will be awarded at a rate of 20 points for every Rs.100 spent.
    • Reward points can be redeemed to pay your card outstanding (4 RP = Rs.1)

    Milestone benefits:

    • Spend Rs.50,000 in one calendar quarter using your SBI Card PRIME and win a Pizza Hut voucher worth Rs.1,000.
    • Spend Rs.5 lakh in a calendar year and get free gift vouchers from Pantaloons or Yatra worth Rs.7,000.

    Annual fee waiver: Spend Rs.3 lakh in a calendar year and get the renewal fee for the year waived off.

    Hotel stay benefits: Every SBI Card PRIME member receives complimentary Trident Privilege Red Tier Membership, which provides 1,000 welcome points on registration.

    The membership provides 10% instant discount on bookings made through the hotel website and 10 points for every Rs.100 spent during hotel stays at participating hotels.

    Further, you will receive 1,500 bonus points on your first hotel stay and an additional Rs.1,000 hotel credit on extended night stay.

    To avail all the benefits, you need to apply for the Trident Privilege Red Tier Membership through SBI Cards website.

    Complimentary airport lounge access:

    • You will become a free member of Club Vistara Silver Program sponsored by Vistara Airlines. The program offers 1 free lounge access voucher and 1 upgrade voucher.
    • Through international Priority Pass Program, you are eligible for 4 free lounge visits per year to international airport lounges.
    • The VISA/MasterCard lounge access program provides 8 complimentary visits per year to airports within India.

    MasterCard/Visa privileges:

    • Free golf: Enjoy 4 free golf rounds on Green Fees per year and one complimentary golf lesson per month at popular golf courses in India.
    • Hotel privileges: Book your stay at partner hotels and earn up to 10,000 miles per night on hotel stay and additional 25% extra miles on Kaligo.com. Also, get up to 8% off on bookings made through hotels.com across Asia Pacific.
    • Discounts on car rentals: Up to 35% discount on Avis Car Rentals and up to 10% off on Avis Car Rentals.

    Free insurance

    Air accident insurance cover of Rs.50 lakh and credit card fraud liability cover of Rs.1 lakh will be provided free to the 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. Maximum waiver that can be availed is of Rs.250 per statement cycle.

    Fees and Charges of SBI PRIME Credit Card

    Type of credit card fee or charge Amount
    Joining fee Rs.2,999
    Annual fee Rs.2,999
    Interest rate Up to 3.35% per month
    Cash withdrawal fee 2.5% of the withdrawn amount or Rs.300 (SBI ATMs) 2.5% of the withdrawn amount or Rs.300 (International ATMs)
    Rewards redemption fee Rs.99
    Cash payment fee Rs.100
    Late payment fee  Total amount due Rs.0 to Rs.200 – NIL  Rs.201 to Rs.500 – Rs.100  Rs.501 to Rs.1,000 – Rs.400  Rs.1,001 to Rs.10,000 – Rs.600  Rs.10,001 to Rs.25,000 – Rs.800  Rs.25,001 and above – Rs.950 
    Payment dishonour fee  2% of the payment amount or Rs.450 
    Statement retrieval fee  Rs.100 per statement older than 2 months
    Over-limit fee  2.5% of the over-limit amount or Rs.500 
    Foreign currency transaction fee  3.5% of the transaction amount 
    Card replacement charge  Rs.100 
    Payment dishonour fee 2% of payment amount subject to a minimum amount of Rs.450
    Cheque pickup fee Rs.100
    Charge Slip Retrieval Rs.225 for each slip

    Eligibility to apply for SBI Card PRIME

    The eligibility for procuring an SBI Card PRIME is decided based on the applicant’s declared income and employment, among other factors.

    If you wish to know whether you’re eligible to apply for the card, follow the instructions mentioned below. 

    • Go to SBI Credit Cards ‘Simplyfier’ page (www.sbicard.com/en/personal/credit-cards/simplyfier.page) 
    • Click on ‘Your income and expense information’ 
    • Select your income and monthly expenditure and click on ‘Show my card’ 

    You will then find the list of cards you are eligible for. If you find SBI Card PRIME in the list, it indicates that you met the eligibility criteria to apply for the card. You can click on ‘Apply Now’ button under the card to apply for the same. 

    How to apply for SBI Card PRIME Credit Card Online

    You can apply for SBI PRIME credit card online either through SBI official website or BankBazaar, which is a trusted partner of SBI.

    • Apply for SBI Card PRIME through SBI: To apply for SBI Card prime on SBI website, you can visit SBI Card website (www.sbicard.com) and follow the steps provided below
      • Go to SBI Card PRIME page
      • Find ‘Apply Now’ section
      • Enter your name, mobile number, email ID, check the authorisation box and click on ‘I want to apply now’ button

    You will be contacted by an SBI credit card representative on your registered mobile number or e-mail in a few days. Once your eligibility for the card is evaluated and you meet the set criteria, the process to apply for the card will be explained to you.

    Apply for SBI Card PRIME through BankBazaar

    • Visit BankBazaar.com and click on the ‘Credit Cards’ tab.
    • You will find various credit card options from which you should click on the SBI Bank and then choose the SBI Card PRIME.
    • You can also check whether you are eligible for the credit card by using BankBazaar’s eligibility calculator tool. According to your eligibility and needs, a list of credit cards will be projected on the page.
    • Analyse, compare and choose the ideal credit card and click on the “Apply” option to instantly apply online for the credit card.

    FAQs related to SBI Card PRIME

    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. You simply need to wave the card at the terminal to process the transaction. However, to enjoy the contactless privilege, you need to use the card only at terminals that are upgraded to accept contactless cards. At regular terminals, you need to swipe or dip your card through the card reader to process the payment.

    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, including 3.25 lakh outlets in India. However, 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 loss of my SBI Card PRIME Credit Card?

    If you 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 are 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. Your immediate family members including your spouse, children of above 18 years, siblings and parents can use the supplementary cards that come with almost all the privileges of the primary credit card.

    Is balance transfer facility available on SBI Card PRIME?

    Yes, SBI Card PRIME comes with balance transfer on EMI facility that allows you to transfer the outstanding on your other bank credit cards to SBI PRIME Credit Card. Once the amount is transferred, you can pay it back in easy monthly instalments at a lower interest rate in flexible tenures.

    SBI Card Prime Reviews

    • SBI Cards Credit Card
      "Not satisfied"
      0.5 3.0/5 "Satisfactory"
      I have been using SBI prime credit card for past 1.5 years. The credit limit is low which am not happy. It would be appreciable if they can increase the limit. Actually I was using SBI Simply Save card and recently upgraded this card and which has annual fee of above 3K, overall unhappy.
      Was this review helpful? 0
      , chennai
      Reviewed on Mar 21, 2019
    • SBI Cards Credit Card
      "Very Expensive Card for people who travel"
      0.5 3.0/5 "Satisfactory"
      SBI is a very much expensive card anyway i do get a voucher. I need to pay the annual fee of Rs. 3000 in stead of cashback they will provide the voucher worth of Rs. 3000 which can redeem in the selected showrooms like Bata, Yatra.com, shoppers stop, pantaloons. Rewards points system is very less. For every 4 rewards point for Rs. 1. Sur charges will not be waived off.
      Was this review helpful? 1
      , bangalore
      Reviewed on Feb 15, 2019
    • SBI Cards Credit Card
      "Need to improve the customer care"
      0.5 2.0/5 "Expected more"
      They are charging a higher rate of interest. I have bought the annual fee free card but in the first month bill, they have charged me a annual fee of Rs. 2999. When i call the customer care, they have said to me like i will be getting a voucher for the annual fee. Customer care executive is not user friendly in SBI.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Jan 19, 2019
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I am using SBI Prime card for past 1year with zero annual fee. The credit limit was very low, they have offered me only 50K. The customer service is better, There was some hidden charges and no much offers, Am using the card for shopping, electricity bills, mobile bills and etc.
      Was this review helpful? 1
      , kolkata
      Reviewed on Jan 19, 2019
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I have been using this credit card for pretty long time and the services which they had been providing so far has been quite good. There is a good credit limit with this card and there has been some good reward points which gets through this card. There has been some annual charges with this card as well.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jan 10, 2019
    • SBI Cards Credit Card
      "Good offers card"
      0.5 3.0/5 "Satisfactory"
      I'm holding a credit card with State bank of India for last 4 years. They are regularly giving an offer. They are providing rewards points and cashback. The rewards points is accumulated i can able to convert into cash. They have offered me a credit limit of Rs.1.50 lakhs and i'm satisfied with it. I have been using a prime card.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 05, 2018
    • SBI Cards Credit Card
      "Need to increase the limit"
      0.5 3.0/5 "Satisfactory"
      SBI has offered me a credit limit of 60K using it almost 2 years and they have not increased the limit. Other services are excellent but only they need to increase the limit. There is no hidden charges. Some discounts are available for the card. I have a SBI prime card and they are charging annual fee of 3000 rupees.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 01, 2018
    • SBI Cards Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I had been using the card for a long time and the services which they had been providing so far had been good. The credit limit with the card has been satisfactory and there has been some good offers with the card as well. There has been an annual fee of 3000 and there has been vouchers giving which is worth enough.
      Was this review helpful? 0
      , mumbai
      Reviewed on Nov 01, 2018
    • SBI Cards Credit Card
      "Average Service"
      0.5 3.0/5 "Satisfactory"
      I had been holding the SBI Prime Card for the last one year and the services which they had been providing so far had been good so far. But the annual fee with the card has been a little high, and the credit limit which they had given with the card was only 40,000. I had been using the card for shopping, fuel recharges, mobile recharges, and also for electricity bills.
      Was this review helpful? 1
      , jaipur
      Reviewed on Sep 07, 2018
    • SBI Cards Credit Card
      "Average card"
      0.5 3.0/5 "Satisfactory"
      Am holding my Sbi prime credit card started using it. . Am satisfied with the credit limit which the have provided .There is annual charge of rs 400 for the card . I get cash back points and offers in some of the vendors. The customer service and response is good.
      Was this review helpful? 1
      , new delhi
      Reviewed on Aug 25, 2018
    • SBI Cards Credit Card
      "AVERAGE"
      0.5 3.0/5 "Satisfactory"
      My credit card was taken with SBI , i am holding this card from past 1month . I cannot give rating for promise rate of interest because i am not aware about that . Recently i have started using this credit card so i did not receive any benefit but hope i will get soon . I got this card for multipurpose . They offered 75000 of credit limit but i expected more so i am not happy with the limit . Annual fee will be waive off if i spent more than 100000 .
      Was this review helpful? 2
      , lucknow
      Reviewed on Aug 21, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      The process in getting this card has been good and the card also had reached on the right time as well. The credit limit which they had given with the card has been satisfactory and there has also been some good features and benefits with the card as well. I am yet to use the card for the purchases and shopping.
      Was this review helpful? 1
      , noida
      Reviewed on Aug 01, 2018
    • SBI Cards Credit Card
      "GOOD"
      0.5 4.5/5 "Excellent!"
      My credit card was taken with SBI bank. Credit limit is very satisfactory and the services which have been provided is pretty good but i can not say much about benefits because i am not aware of it. But i am not satisfied with annual fee because initially they said for the 1st year it is but they charge 2500rs.Customer service response is good.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jul 27, 2018
    • SBI Cards Credit Card
      "Good service"
      0.5 2.0/5 "Expected more"
      I had been holding this card for a while and the card has been having good options with the EMI and they also had given me with a credit limit of 52 thousand which has been good. I had been using the card for groceries and at other departmental stores. There has been an annual fee of 3000 which has been high.
      Was this review helpful? 2
      , bangalore
      Reviewed on Jul 17, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I've been using the SBI Prime Credit card for a while. This is a very good card, . I am really happy with the card. The limit is 50000 which is fair for me. The credit card application is really useful to track the spending and billing cycle. Overall it is a very useful card.
      Was this review helpful? 0
      , pune
      Reviewed on Jul 16, 2018
    • SBI Cards Credit Card
      "Very good service"
      0.5 5.0/5 "Blown Away!"
      I've been using the SBI Prime Credit card for a while. In SBI reward points are good, it also offers petrol surcharge waiver. I can easily en-cash the reward points as well. Overall it has been a very good experience with the card and their services.
      Was this review helpful? 2
      , ahmedabad
      Reviewed on Jul 12, 2018
    • SBI Cards Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      Using this SBI prime card almost 2 week. I don't remember about the credit limit. There is no annual fee for this credit card. I can pay the bill of other credit card thats the best thing about this credit card. I have done very less transaction by using in this card. I have used this card in restaurants but there is no cashback offer that. I don't much comment on this credit card since its new to me.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jul 11, 2018
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I had chosen to go with this card since the card will be very much useful for me. They had given me with a good credit limit and also there has been good offers with the card. I am looking forward in charging the billing cycle and i am disappointed that they had added the insurance with the bill where i have already spoken with the customer support regarding that.
      Was this review helpful? 0
      , chennai
      Reviewed on Jul 07, 2018
    • SBI Cards Credit Card
      "Average Card"
      0.5 5.0/5 "Blown Away!"
      I have received the card around 4 days back. I have not use the card. Need to do 1st transaction. Once i use the credit card, i could say more about it. There is a national swiping benefits available. There are some rewards points available and i just want to accumulate the reward points. They have given a credit limit of Rs. 62000 and I'm happy about that. If i transact 3 lakhs in a year they will waive off the annual fee.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jul 06, 2018
    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I bought the SBI PRIME CARD Online , the card is good for Online shopping, The credit limit is okay. The whole application process was easy and hassle free. I'll have to use this card more to commend on the features and benefits associated with this card. So far it has been a good experience with the card.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Jul 06, 2018
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