South Indian Bank SBI Card Prime

1. Annual Milestone Rewards: By reaching spend thresholds over the card membership year, you can accumulate up to Rs.11,000 in vouchers annually. This is an ideal way to promote your everyday usage and turn your spending into rewards with higher value.  

1. Additional Reward Points: With this card, you earn 10 reward points per Rs.100 for necessary lifestyle and entertainment spends like dining, movies, groceries, and department stores. With this level of accumulation, you will get reward points for everyday transactions, and the bonus points will allow you to build points much faster.  

1. Ongoing Rewards on All Purchases: On all other eligible retail transactions (excluding fuel), you receive 2 reward points per Rs.100 spent. This assists in generating benefits across multiple spending categories. 

1. Birthday Benefits: Use your birthday to shop and get 20 reward points for every Rs.100 spent, a maximum of 2000 points in a year. This bonus benefit is an added value to your birthday shopping and gifting. 

1. 1% Fuel Surcharge: Offers a 1% waiver against any fuel transaction from Rs.500 to Rs.4,000, max Rs.250 per statement cycle.  This helps save the cost of petrol or diesel every month. 

1. Complimentary Airport Lounge Access: Qualify for complimentary access to select domestic and international travel lounges, and enhance your travel experience by enjoying the comfort, free wi-fi, refreshments, etc., in a lounge while you wait for your flight. Especially helpful for business travellers and frequent flyers. 

1. Travel Insurance & Card Security: Cardholders will receive an air accidental death insurance cover of Rs.50 lakh, effective until 15 August 2025. Instead of paying for card losses, the lost card liability coverage will provide coverage in the event of your card being lost or stolen for any unauthorised transaction and has a maximum limit of Rs.1 lakh. 

1. Premium Lifestyle Benefits: Receive exclusive offers for golfing, luxury hotels, car bookings and more, through SBI Card lifestyle partners. Get more than just a card, but aspects of a premium experience as a complement to your leisure and business lifestyle. 

Main Features of the South Indian Bank SBI Card PRIME

The key features of the South Indian Bank SBI Card Prime credit card are as follows:

1. Fast and Convenient Contactless Payments: The card features Visa payWave technology that will allow you to make quick and secure contactless payments when at a visa payWave-compliant terminal.  This feature allows you to make quick transactions either at your grocery store or at your favourite cafe. It is ideal for small value transactions. 

1. International Acceptance: The South Indian Bank SBI Card PRIME is accepted at over 29 million outlets globally inluding 3.25 lakh+ stores in Indian. You will be able to use the card at all major retail stores, restaurants, hotels (domestic and international, online grocery shopping - giving you flexibility and convenience on how to pay. 

1. Free Priority Pass Membership: SBI Card will provide cardholders with free access to its Priority Pass program, which offers access to premium airport lounges across Indian and outside Indian. Travel comfortably, whether you are a frequent flyer or not. 

1. Flexipay facility (EMI): The Flexipay facility is available for purchases of more than Rs.2,500.  Cardholders can convert transactions into easy monthly instalments.  You have up to 30 days from the purchase to activate your Flexipay option.  This will help customers spend wisely on high-ticket items without straining your monthly outlay. 

1. Easy Bill Payment Facility: With Easy Bill Pay, making utility payments is efficient - pay all your utility bills (electricity, water, landline, broadband, and mobile) in one place. This system is easier and less time-consuming. It will also ensure no interruption of any necessities. 

1. Balance Transfer Option: Easily transfer personal debt from other credit cards onto your South Indian Bank SBI Card PRIME for lower interest payments on your outstanding balances. The transfer will consolidate credit card debt, reduce interest payments, and put you in control of repayment. 

1. Global Emergency Card Replacement: If you lose your card, anywhere in the world, SBI Card can have your card replaced to give you peace of mind while you travel domestically or internationally. 

1. Cash-on-the-Go: Get emergency cash from over 1 million ATMs that support Visa around the world! When you need emergency cash, locally or globally, you have it literally at your fingertips! 

1. Add-on Cards for Family: You can get free add-on credit cards for your spouse, parents, siblings and adult children (18+). Add-on cards share your credit limit and earn rewards on all eligible spending, which makes identifying and controlling family expenses easy.

Fees & Charges – South Indian Bank SBI Card PRIME

The table below outlines the fees and charges associated with the South Indian Bank SBI Card Prime: 

Eligibility Criteria for the South Indian Bank SBI Card Prime

Applicants must typically meet these criteria to qualify for the South Indian Bank SBI Card PRIME: 

1. Be a resident Indian aged between 21 and 70 years (for salaried/self-employed applicants)  

1. Hold a regular source of income, whether salaried or self-employed 

1. Demonstrate a good credit history, typically a healthy CIBIL score and clean repayment record 

1. Final approval depends on SBI Card’s internal eligibility assessment after the application 

Documents Required for the South Indian Bank SBI Card Prime

To apply for the card, you will need to submit the following valid, self-attested documents:

Proof of Identity (any one of the following): PAN, Aadhaar, Passport, Driving Licence, or Voter ID 

Proof of Address (any one of the following): Aadhaar, Passport, Driving Licence, Voter ID, or recent utility bill 

Income Proof: 

1. Salaried applicants: Latest salary slips, Form 16, or personal ITR 

1. Self-employed applicants: ITR, business-related documents, or bank statements 

Note: SBI Card may request additional documents (such as bank statements or business proof) based on individual profiles or policy requirements.

How to Apply for the South Indian Bank SBI Card Prime

Online Application Process

You may apply for the South Indian Bank SBI Card PRIME by following the steps given below: 

1.  Step 1: Visit the official SBI Card website 

Begin by going to www.sbicard.com. Ensure you use the official website only to safeguard your information and to have a safe application. Find the South Indian Bank SBI Card PRIME under the section 'Co-branded Cards'. 

1. Step 2: Start your application 

On the product page of the card, choose the ‘Apply Now’ option. This will redirect you to the secure online application page. 

1. Step 3: Enter your personal details 

Fill in information like your full name (according to your PAN card), date of birth, mobile number, and email ID. Cross-check for accuracy to prevent problems during verification. 

1. Step 4: Provide income and occupation information 

Enter your monthly or yearly income along with the type of occupation such as salaried, self-employed, or otherwise. These inputs are crucial in determining eligibility and your credit limit. 

1. Step 5: Provide address and PAN 

Give your complete residential address and PAN number. These are used for identity verification and credit assessment. 

1. Step 6: Upload your KYC documents 

Upload clear, scanned copies of important documents. These typically include: 

1. PAN card 

1. Valid address proof (Aadhaar card, passport, voter ID, utility bill, etc.) 

1. Income proof (ITR, Form 16, salary slips) 

1. Recent passport-sized photograph 

1. Step 7: Complete KYC authentication 

You might be required to go through Aadhaar-based e-KYC or video KYC according to the recent regulatory norms. This process enables your identity verification completion. 

1. Step 8: Submit your form 

After completing all the required details and uploading your documents, submit your application online. A confirmation message along with a reference number will appear. 

1. Step 9: Track your application 

Use the reference number given to monitor the status of your application on the SBI Card website. The status is typically updated within a few working days. 

1. Step 10: Approval and card dispatch 

Once verified and approved successfully, your South Indian Bank SBI Card PRIME will be mailed to your registered address. An SMS or email with tracking details will also be sent to you.

Offline Application Process

Follow these instructions if you want to apply for a South India Bank SBI Prime Credit Card offline:   

Step 1: Visit a Partner SBI Branch  Go to any SBI branch that processes credit card applications and request the South Indian Bank SBI Card PRIME form. 

Step 2: Fill in the Application Form  Complete your personal, employment, and income details legibly on the printed form. 

Step 3: Attach Documents  Include self-attested photocopies of: 

1. PAN card 

1. Proof of address (e.g., Aadhaar, driving licence, utility bill) 

1. Latest salary slip (for salaried) or ITR/bank statements (for self-employed) 

Step 4: KYC Verification  Present originals for in-person verification. Biometric or e-KYC may also be conducted by branch staff. 

Step 5: Submit the Completed Application  Hand over the form and documents; you will receive an acknowledgement or reference receipt. 

Step 6: Processing Time  Your application will be under review for 10–20 working days. 

Step 7: Card Dispatch  Upon approval, SBS Card PRIME will be dispatched and delivered to your address within 7–10 working days.

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