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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Having my Prime card from State Bank of India. In this card, reward points and vouchers are useful. With the small reward points i can purchase anything. They are charging me a annual fee of Rs. 3000 but it will get waived off if i use the card for Rs. 2 lakhs in a year. I faced a fraudulant activity because when the card was kept in my pocket, i have received a message that the card has been used in 20 dollars in US hence i have complaint immediately they have blocked my card and after a lot of follow up, they have reversed the money to my account so the must have more security.
In SBI, they have upgraded my credit card into SBI prime card 1 year before. In this card, i get a benefits of Trident hotel membership, VISTARA club membership, airlines other than this i get a reward points on purchasing a groceries and booking a hotel. The credit limit is very low because just 2 months only, they have increased upto Rs. 96000. They have charged me a annual fee of Rs. 3000 but they will provide vouchers from 6 brand which is selected by the customer. When i opt for EMI, interest rate is quite high.
I need a international lounge access thats the reason i opted the credit card from State Bank of India. In Prime card, I get a 8 times domestic lounge access facilities and 4 times international lounge access in a year. I need to pay the annual fee of Rs. 2999 for that i need to use the card upto Rs. 5 lakhs in a year.
I am using SBI Prime card which is annual fee chargeable of 1500 rupees plus GST. On 2 years back applied this card via bank. I use this card for an online shopping so got good discount. If I spend this card for mobile bill payment and TATA Sky payment there is waiver off option for fee. There is movie ticket offer one plus one free in Bookmyshow and free airport lounge access are avail on yearly 4 times.
I wanted SBI visa card but they have provided me master card and they are charging me extra money which is not promised. I was told that the card will have a annual fee of Rs. 500 but they are charging Rs. 1700 now. I called the customer care regarding this but most of the time they are not reachable.
I have been using SBI card for more than 5 years. It is annual fee chargeable of 1000 rupees but if I spend certain amount within a year fee will be waiver off so that's a good option. Recently they had enhanced the limit once and now I am holding 70K in my card which is sufficient. It is Prime card. EMI conversion is avail with charges. I use it for purchase, fuel and retail purpose. I get reward points often but I haven't redeemed yet.
For the past 1 year I am holding SBI prime credit card. It is a annual fee chargeable of 3000 rupees in a year, if i spend Rs. 2L no annual fees. The limit is given for 50k which is good. EMI option is applicable and charges are nominal. Mostly i use this card for shopping. Interest rate was very high, need to work on this.
I have SBI credit card which was taken through Online .I am using this credit card for the past 2 years .This was a prime card and no extra benefits so far ,This credit card was delivered o proper time frame .The agent explained the whole process of this credit card .I am satisfied with the service so far .
I am using SBI prime credit card, I'm getting rewards points, lounge access, vistara membership, movie ticket offer, petrol surcharge, shopping. The annual fee of Rs. 2999, if i spend 1.5lakhs within 6 months fee will be waived off. They given a credit limit of 98k if they increase i will be more happy.
SBI card is good because they have provided me a BATA showroom coupon and pizza hut coupons on a regular basis. Its a SBI prime card hence i need to pay the annual fee since i have used the limit of Rs. 50000, they have waived off my annual fee. I am receiving good discounts and rewards points on this card.
I am using SBI credit card quite for a long time. This is a premium card and i am paying annually Rs. 2999 and there is a no fee waiver and i am getting reward points.Rate of interest charges was high, need to improve in customer service.This is a govt bank need to improve not getting proper response.
In SBI, they are charging annual fee. I pay on time hence i'm not aware of the interest rates. SBI cards are not free and the airport lounge access facility with the higher end card. I have a SBI prime card for that they are charging Rs. 3500 annually for the first year, they have given me some free gift.
I had chosen SBI credit card because there is a good feature available. They have provided me a credit limit of Rs. 51000 and I'm fully satisfied with it. They are charging me a annual fee of Rs. 2999 and there is no annual fee waiver. Its a prime card. Whenever I do shopping, I get some rewards points.
I have State Bank Of India credit card which was taken through Bank directly.This was a prime card and it is a free card as well .I am satisfied with the credit limit so far ,I have got this credit card without any delay and comfortable on using this card.I am satisfied with the service .
I have State Bank of India credit card which was taken through agent.The credit limit was really good and it was up to 1lakh.The reward points can be converted into cash as well.I am using SBI prime card and so far not faced any network issues .This was a chargeable card and I am satisfied with their service so far.
SBI is charging more interest rate and also they are charging 3500rupees per annum for PRIME card which am not at all happy. I would suggest them to reduce the interest rate. The credit limit is also average. I am not interested with this card and not doing any transactions also.
I have been using the prime card from State bank of India. I never used any offers so far but they are keep on sending the offer messages to me. They are giving the credit limit of Rs. 50000. They are charging me an annual fee of Rs. 2000. I have never faced any till now. I used to make the bill payment through online.
I have been using SBI prime card for more than 3 years which was applied directly. It is an annually chargeable card. The customer service is not good. There is an access for airport lounges and those reward points will be converted as vouchers up to 7 thousands on this card. Net banking doing good for bill payment. EMI charges are high.
4 years ago, i have taken my credit card from SBI and the card variant is prime card. If i reach the quarterly limit, they will provide some pizza voucher. In SBI, i get a 10% discounts Amazon prime. If i spent Rs. 3 lakhs and above, they will deduct the annual fee or else i need to pay the yearly charges of Rs. 2500.
In SBI, they are providing a voucher if i pay the annual fee of Rs. 3000 and if i use more than Rs. 5000 yearly, the annual fee is getting waived off. In SBI, i have a prime card. They gave me a credit limit of Rs. 50000. Customer care service is good.