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

    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.

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    Key Highlights of the SBI PRIME Credit Card

    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.

    • 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
    Apply for SBI Card PRIME
    SBI Card PRIME

    Features and Benefits of the SBI PRIME Credit Card

    The features and benefits of SBI PRIME Credit Card are as follows:

    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.

    Upto 20x reward points:

    • For every Rs.100 spent on birthday, earn 20 reward points
    • For every Rs.100 spent on groceries, dining, departmental store or movie, earn 10 reward points.
    • For every Rs.100 spent on other retail purchases other than fuel, earn 2 reward points.

    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.

    Travel 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.
    • Get a complimentary Club Vistara Silver Membership.
    • Earn 9 Club Vistara points on every Rs.100 spent.

    Complimentary Airport Lounge Access:

    • Enjoy complimentary access to international airport lounges four times a year.
    • Enjoy complimentary access to domestic airport lounges eight times a year.


    • Convert your transactions into easy monthly instalments with the Flexipay option.
    • This can be done by using your SBI PRIME Credit Card to make purchases of Rs.2,500 or more and logging into within 30 days of making the purchase.

    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).

    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%

    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.

    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 Credit 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.

    Other Similar Credit Cards

    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

    FAQs on SBI PRIME Credit Card

    1. Is the SBI PRIME Credit Card a contactless credit card?

      Yes, the SBI PRIME Credit Card 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 PRIME Credit Card?

      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.

    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 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.

    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 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.

    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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