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Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
SBI card PRIME is a multi-purpose card that can be used for a variety of purposes. It can be used for shopping, rewards and dining, as well as for flights, hotels, etc. SBI PRIME Credit Card offers accelerated rewards for everyday spending categories such as groceries, dining, departmental store, etc. This makes it a great card for high spenders.
Some of the benefits that you can get with this card include complimentary membership to priority pass, club Vistara, Trident red tier, etc. Read on to know more about it.
The SBI PRIME Credit Card 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.
The features and benefits of SBI PRIME Credit Card are as follows:
Welcome Bonus:
Upto 20x reward points:
Milestone Benefits:
Travel Benefits:
Complimentary Airport Lounge Access:
Flexipay:
Accepted globally: You can use your SBI PRIME Credit Card at nearly 24 million outlets all over the world which includes 3.25 lakh outlets in India.
Card Replacement Facility: Replace your lost or stolen SBI PRIME Credit Card from any location in the world.
Add-on cards: Extend the benefits of your SBI PRIME Credit Card to up to two members of your family (spouse, parents, children or siblings who are at least 18 years old).
| 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2.5% of the amount withdrawn or Rs.500 (Domestic ATMs) 2.5% of the amount withdrawn or Rs.500 (International ATMs) |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 |
|
| 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% |
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.
*The list of documents mentioned above is indicative and additional documents might be asked for when you apply for the PRIME credit card.
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.
Some of the best credit cards that offer benefits similar to SBI Card Prime are listed in the table below:
| Name of the Credit Card | Feature | Fees |
|---|---|---|
| Axis Bank Select Credit Card | On every Rs.200 spent, earn 10 EDGE points | Rs.3,000 |
| HDFC Diners Club Credit Privilege Card | Earn 10x reward points on shopping through SmartBuy | Rs.2,500 |
| HDFC Regalia Credit Card | For every Rs.150 spent on retail purchases, earn 4 reward points | Rs.2,500 |
| ICICI Bank Sapphiro Credit Card | On every Rs.100 spent earn up to 4 payback points | Rs.3,500 |
| IndusInd Bank Legend Credit Card | On every Rs.100 spent on weekends, earn 2 reward points | Nil |
Yes, the SBI PRIME Credit Card is powered with contactless technology that enables swipe-less transactions at POS terminals.
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.
If you have lost your SBI PRIME Credit Card in India, you can report it immediately to the bank by calling its 24x7 helplines at 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 to the country to report the loss. The list of toll-free numbers from more than 70 countries is available on the SBI website or the Visa website.
You can apply for up to 2 add-on credit cards on your SBI Card PRIME Credit Card.
Yes, SBI PRIME Credit Card comes with a balance transfer on EMI facility that allows you to transfer the outstanding balance on your other bank credit cards to your 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.
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
You can check the status of your SBI Prime credit card application by clicking on the link https://www.sbicard.com/en/eapply.page#track-retrieve-form where in the box under ‘Track Application’ enter either your reference number or application number and click on 'Track'.
In case you were unable to complete your application process, click on the link https://www.sbicard.com/en/eapply.page#track-retrieve-form and under ‘Retrieve Application’ enter your first name and mobile number in their respective boxes and click on ‘Retrieve’.
Some of the reasons why your application for the 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 the correct documents, then there the bank is at liberty to reject your application.
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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