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  • 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.
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    SBI Card PRIME

    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.

    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, Yatra.com and Shoppers Stop.
    Birthday Benefit
    • With your SBI Card PRIME, for every Rs.100 spent on your birthday, you get 20 reward points.
    Annual Fee Waiver 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 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.
    Free Insurance
    • 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

    Travel offers:
    • 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.
    Dining Offers:
    • Enjoy a discount of 20% on Zomato on a minimum transaction of Rs.300.
    Shopping Offers:
    • 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 Amount
    Annual fee Rs.2,999
    Joining fee Rs.2,999
    Renewal fee Rs.2,999 (From 2nd year)
    Add-On card fee Nil
    Interest rate 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)

    Cash payment fee Rs.100
    Cheque pickup Rs.100
    Payment dishonor fee 2% of the payment amount; minimum of Rs.450
    Statement request Rs.100 per statement (more than 2 months old)
    Cheque fee Rs.100
    Late payment

    From Rs.0 - Rs.200 - Nil

    more than Rs. 200 up to Rs. 500 - Rs.100

    More than Rs. 500 up to Rs. 1,000 - Rs.400

    More than Rs.1,000 up to Rs. 10,000 - Rs.600

    More than Rs. 10,000 up to Rs. 25,000 - Rs.800

    More than Rs. 25,000 - Rs.950.

    Over limit fee 2.5% of the over limit amount; minimum of Rs.500
    Card replacement Rs.100
    Foreign currency transaction 3.5%
    Rewards redemption fee Rs.99

    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 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

    1. Is the SBI Card PRIME a contactless credit card?
    2. Yes, the SBI Card PRIME is powered with contactless technology that enables swipe-less transactions at POS terminals.

    3. Can I use SBI Card PRIME abroad?
    4. 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.

    5. How to report the loss of my SBI Card PRIME Credit Card?
    6. 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.

    7. How many add-on credit cards can I avail on my SBI Card PRIME?
    8. You can apply for up to 2 add-on credit cards on your SBI Card PRIME Credit Card.

    9. Is balance transfer facility available on SBI Card PRIME?
    10. 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.

      

    Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. Display of such IP along with the related product information does not imply BankBazaar's partnership with the owner of the Intellectual Property or issuer/manufacturer of such products.

    SBI Card Prime Reviews

    • SBI Cards Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      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 .
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 22, 2019
    • SBI Cards
      SBI Cards Credit Card
      "Need to increase the credit limit"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 1
      , new delhi
      Reviewed on Dec 17, 2019
    • SBI Cards Credit Card
      "Nice Card"
      0.5 4.5/5 "Excellent!"
      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.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 08, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 07, 2019
    • SBI Cards Credit Card
      "Need to improve"
      0.5 2.0/5 "Expected more"
      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.
      Was this review helpful? 0
      , kolkata
      Reviewed on Nov 26, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , new delhi
      Reviewed on Nov 25, 2019
    • SBI Cards Credit Card
      "Best Service"
      0.5 4.5/5 "Excellent!"
      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 .
      Was this review helpful? 1
      , ghaziabad
      Reviewed on Nov 04, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 3
      , mumbai
      Reviewed on Nov 04, 2019
    • SBI Cards Credit Card
      "Dissatisfactory"
      0.5 1.0/5 "Really Bad"
      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.
      Was this review helpful? 4
      , hyderabad
      Reviewed on Oct 31, 2019
    • SBI Cards Credit Card
      "Nice Card"
      0.5 5.0/5 "Blown Away!"
      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.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 30, 2019
    • SBI Cards Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 1
      , thane
      Reviewed on Oct 28, 2019
    • SBI Cards Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      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.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 21, 2019
    • SBI Cards Credit Card
      "Very Nice to use"
      0.5 3.0/5 "Satisfactory"
      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.
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      I have to give back my SBI credit card and i don't get any benefits on this card. They are charging a annual fee of Rs. 3000. First time when i pay the annual fee, they have issued me some vouchers. The promised things were not met on SBI. SBI customer care service is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 17, 2019
    • SBI Cards Credit Card
      "Yet to experience the card"
      0.5 5.0/5 "Blown Away!"
      I have a good transaction history in their bank based on that bank has offered me a high end benefits card of Prime. I have received the card 2 days back hence I'm not aware of the benefits. They have provided me a credit limit of Rs. 64000 and the cash limit of Rs. 12000. I didn't received any joining benefits. I haven't submit any documents for this card.
      Was this review helpful? 1
      , chennai
      Reviewed on Sep 22, 2019
    • SBI Cards Credit Card
      "Good premium utility payment card"
      0.5 4.0/5 "Great!"
      SBI Prime card i have got recently anyway its a premium card. I have not used the card much. I bought the card for making the utility bill because its gives 20 points for every Rs. 100 i spent. They have a a catalog where i can purchase by using those points hence i get 5% returns based on my purchase.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding SBI prime credit card where the limit of the card is good, EMI options are available but rate of interest was high, I am using this card from last three years, card has charges of Rs. 2000 but if we purchase for certain amount then the annual fee is waived off.
      Was this review helpful? 1
      , new delhi
      Reviewed on Sep 16, 2019
    • SBI Cards Credit Card
      "Need to increase the limit"
      0.5 4.0/5 "Great!"
      I hold SBI PRIME credit card and its been 6months. I am using it for regular purpose and its a basic card also the offers are not much. I have no experience with late payments and EMI conversion. They should increase my limit. The annual fee is applicable and need to pay Rs.3000.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Sep 01, 2019
    • SBI Cards Credit Card
      "Good Card"
      0.5 4.0/5 "Great!"
      SBI is a new card and i have not used that much. I have been using the card from the month of April. Certainly the features are good hence i got the card. Its a Prime card and I'm convenient with the bill cycle. I have not contacted the customer care service till now.
      Was this review helpful? 1
      , mumbai
      Reviewed on Aug 27, 2019
    • SBI Cards Credit Card
      "Can do better"
      0.5 5.0/5 "Blown Away!"
      I have SBI prime credit card it has the annual fee but the charges get waived off if I spend certain limit of transactions. Generally I get reward points for my spends but only concern about the credit limit is lesser I was expecting Rs. 1 lakh from their end.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Aug 27, 2019
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